New Measures to Support Community Enterprise Financing
The Ministry of Finance has announced new measures to support the financing of community enterprises, specifying the terms of coverage by the National Credit Guarantee Fund for loans granted to these structures. This decision, signed on November 4, 2025, by Finance Minister Michket Slama Khaldi and published in the Official Journal of the Republic of Tunisia (JORT), aims to encourage the creation and sustainability of social and solidarity-based enterprises.
Key Provisions
According to the text, the National Credit Guarantee Fund will now cover a portion of the loans granted by banks to community enterprises, whether from their own resources or borrowed funds. The mechanism includes several forms of intervention:
- Coverage of a portion of non-recoverable financing
- Coverage of a portion of judicial fees related to recovery
- Coverage of interest resulting from debt restructuring for agricultural enterprises
Eligibility and Procedure
To benefit from this guarantee, banking institutions must declare the financing granted to the Tunisian Guarantee Company. During this declaration, they must also deduct 1% of the loan amount, as a contribution from the beneficiary company, and transfer this sum to the National Credit Guarantee Fund account opened at the Central Bank of Tunisia.
Guarantee Terms
In the event of a community enterprise's default, the National Credit Guarantee Fund will cover up to 90% of the unrecovered capital, leaving the bank to assume the remaining 10% and related interest. Additionally, the Fund will cover 75% of the judicial pursuit fees incurred for loan recovery.
Special Consideration for the Agricultural Sector
In the event of a natural disaster recognized by the Ministries of Agriculture and Finance, the Fund will support the interest on rescheduled loans for a maximum period of five years.
