Financial Inclusion in Tunisia : Low-Income Households and Micro-Enterprises

This technical note provides a snapshot of financial inclusion trends and challenges in Tunisia. It follows the recent expiration of the Coordinated Vision for the Development of Microfinance in Tunisia 2011-2014, national strategy published in 2011. This document does not examine all aspects...

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Main Author:	World Bank Group
Format:	Report
Language:	English en_US
Published:	Washington, DC 2015
Subjects:	FINANCIAL SYSTEM DEVELOPMENT BUSINESS OWNERS EMPOWERMENT MONETARY POLICY SAVINGS SERVICES DEPOSIT FINANCIAL SERVICES BORROWER ECONOMIC GROWTH DEPOSITS PEOPLE CAPITAL ACCUMULATION MONEY LAUNDERING FINANCING MICRO-ENTERPRISES INTEREST GUARANTEES EMPLOYMENT OPPORTUNITIES SAVINGS ACCOUNTS INTEREST RATE INSURANCE SERVICES BANKING SERVICES BANK ACCOUNT ENTREPRENEURS INEQUALITIES EXCLUSION REVENUES MONEY TRANSFER FORMAL FINANCIAL SECTOR MONEY-LENDERS INSURANCE POLICIES FINANCIAL DIFFICULTY LOAN VENTURE CAPITAL FIRMS LOAN AMOUNT BORROWERS AVERAGE BALANCE PAYMENTS BANKRUPTCY CURRENT ACCOUNTS MFIS MICROFINANCE INSTITUTIONS INCOME- GENERATING ACTIVITIES ECONOMIC ACTIVITY ACCESS TO FINANCIAL SERVICES FORMAL FINANCIAL SERVICE INTERNATIONAL FINANCE ANTI-MONEY LAUNDERING EXPATRIATE SAVINGS INDEBTEDNESS FINANCIAL NEEDS FINANCIAL INSTITUTION CHECKING ACCOUNT PARTIAL CREDIT CURRENCY EXCHANGE UNION CURRENT ACCOUNT FINANCES INTEREST RATES ECONOMIC EMPOWERMENT FIRST LOANS PAYMENTS SERVICES PAYMENT FINANCIAL INSTITUTIONS DEBT LIMITED ACCESS FINANCING NEEDS FINANCIAL PRODUCTS MICRO-ENTREPRENEURS LENDERS SOCIAL SECURITY VENTURE CAPITAL LOANS ENTERPRISES FARMERS ELECTRONIC PAYMENTS AGRICULTURAL BANK ASSET ACCUMULATION FINANCIAL SYSTEM SMALLHOLDERS FINANCE FOREIGN CURRENCY BANKS SMALL LOANS UNIONS UNEMPLOYMENT INVESTMENT BANKS GRANT FORMAL FINANCIAL INSTITUTION CAPITAL OPERATING COSTS SMALL ENTERPRISES BASIC NEEDS WOMAN FAMILY ACCESS TO FINANCE NEW COMPANIES INCOME-GENERATING ACTIVITIES FINANCIAL EXCLUSION BANK MICRO- ENTREPRENEURS MAXIMUM LOAN AMOUNT CREDIT FORMAL FINANCIAL SERVICES UNIVERSAL ACCESS INVESTMENT BANK DEBT COLLECTION LOAN CONDITIONS WORKING CAPITAL HOUSEHOLD AUTOMATIC TELLER ACCESS TO SAVINGS FINANCIAL EDUCATION REPAYMENT REPAYMENT RATES ENTERPRISE FINANCIAL ACCOUNT UNIVERSAL BANKS DEMAND FOR SAVINGS FINANCIAL SERVICE PROVIDERS JOB CREATION CASH MANAGEMENT INSURANCE PREMIUM CREDIT GUARANTEE FINANCIAL SERVICE CREDIT BUREAU DIVERSIFICATION POSTAL SAVINGS MICROCREDIT FINANCIAL INFRASTRUCTURE PROFITABILITY ACCESS TO CREDIT MICROFINANCE ECONOMIC OPPORTUNITIES MONEY ORDERS BANK LOAN SECURITY BANK LOANS FINANCIAL DEVELOPMENT INVESTMENT OUTSTANDING DEBT FINANCIAL INTERMEDIATION COMMERCIAL BANKS HOUSEHOLDS PAYMENT SERVICES EQUALITY LOAN SIZE CAPITAL REQUIREMENT STUDENTS INVESTMENTS BORROWING RISK MANAGEMENT TECHNICAL SUPPORT DEBIT CARD FEES HOME IMPROVEMENT FAMILIES WOMEN PUBLIC BANKS OUTREACH OUTSTANDING LOANS BANK BRANCHES ENTREPRENEUR FINANCIAL SYSTEMS ARREARS LENDING CONDITIONS MONEY TRANSFERS CREDIT INSTITUTIONS SMALL BUSINESSES CREDIT LINES GUARANTEE SAVINGS BANK DEVELOPMENT BANK CREDIT REGISTRY CONSUMER PROTECTION FINANCIAL SECTOR DEVELOPMENT INEQUALITY MICROFINANCE INSTITUTION MFI EMPLOYEES
Online Access:	http://documents.worldbank.org/curated/en/2015/08/24865372/technical-note-financial-inclusion-tunisia-low-income-households-micro-enterprises http://hdl.handle.net/10986/22497

id	okr-10986-22497
recordtype	oai_dc
spelling	okr-10986-224972021-06-14T10:14:41Z Financial Inclusion in Tunisia : Low-Income Households and Micro-Enterprises World Bank Group FINANCIAL SYSTEM DEVELOPMENT BUSINESS OWNERS EMPOWERMENT MONETARY POLICY SAVINGS SERVICES DEPOSIT FINANCIAL SERVICES BORROWER ECONOMIC GROWTH DEPOSITS PEOPLE CAPITAL ACCUMULATION MONEY LAUNDERING FINANCING MICRO-ENTERPRISES INTEREST GUARANTEES EMPLOYMENT OPPORTUNITIES SAVINGS ACCOUNTS INTEREST RATE INSURANCE SERVICES BANKING SERVICES BANK ACCOUNT ENTREPRENEURS INEQUALITIES EXCLUSION REVENUES MONEY TRANSFER FORMAL FINANCIAL SECTOR MONEY-LENDERS INSURANCE POLICIES FINANCIAL DIFFICULTY LOAN VENTURE CAPITAL FIRMS LOAN AMOUNT BORROWERS AVERAGE BALANCE PAYMENTS BANKRUPTCY CURRENT ACCOUNTS MFIS MICROFINANCE INSTITUTIONS INCOME- GENERATING ACTIVITIES ECONOMIC ACTIVITY ACCESS TO FINANCIAL SERVICES FORMAL FINANCIAL SERVICE INTERNATIONAL FINANCE ANTI-MONEY LAUNDERING EXPATRIATE SAVINGS INDEBTEDNESS FINANCIAL NEEDS FINANCIAL INSTITUTION CHECKING ACCOUNT PARTIAL CREDIT CURRENCY EXCHANGE UNION CURRENT ACCOUNT FINANCES INTEREST RATES ECONOMIC EMPOWERMENT FIRST LOANS PAYMENTS SERVICES PAYMENT FINANCIAL INSTITUTIONS DEBT LIMITED ACCESS FINANCING NEEDS FINANCIAL PRODUCTS MICRO-ENTREPRENEURS LENDERS SOCIAL SECURITY VENTURE CAPITAL LOANS ENTERPRISES FARMERS ELECTRONIC PAYMENTS AGRICULTURAL BANK ASSET ACCUMULATION FINANCIAL SYSTEM SMALLHOLDERS FINANCE FOREIGN CURRENCY BANKS SMALL LOANS UNIONS UNEMPLOYMENT INVESTMENT BANKS GRANT FORMAL FINANCIAL INSTITUTION CAPITAL OPERATING COSTS SMALL ENTERPRISES BASIC NEEDS WOMAN FAMILY ACCESS TO FINANCE NEW COMPANIES INCOME-GENERATING ACTIVITIES FINANCIAL EXCLUSION BANK MICRO- ENTREPRENEURS MAXIMUM LOAN AMOUNT CREDIT FORMAL FINANCIAL SERVICES UNIVERSAL ACCESS INVESTMENT BANK DEBT COLLECTION LOAN CONDITIONS WORKING CAPITAL HOUSEHOLD AUTOMATIC TELLER ACCESS TO SAVINGS FINANCIAL EDUCATION REPAYMENT REPAYMENT RATES ENTERPRISE FINANCIAL ACCOUNT UNIVERSAL BANKS DEMAND FOR SAVINGS FINANCIAL SERVICE PROVIDERS JOB CREATION CASH MANAGEMENT INSURANCE PREMIUM CREDIT GUARANTEE FINANCIAL SERVICE CREDIT BUREAU DIVERSIFICATION POSTAL SAVINGS MICROCREDIT FINANCIAL INFRASTRUCTURE PROFITABILITY ACCESS TO CREDIT MICROFINANCE ECONOMIC OPPORTUNITIES MONEY ORDERS BANK LOAN SECURITY BANK LOANS FINANCIAL DEVELOPMENT INVESTMENT OUTSTANDING DEBT FINANCIAL INTERMEDIATION COMMERCIAL BANKS HOUSEHOLDS PAYMENT SERVICES EQUALITY LOAN SIZE CAPITAL REQUIREMENT STUDENTS INVESTMENTS BORROWING RISK MANAGEMENT TECHNICAL SUPPORT DEBIT CARD FEES HOME IMPROVEMENT FAMILIES WOMEN PUBLIC BANKS OUTREACH OUTSTANDING LOANS BANK BRANCHES ENTREPRENEUR FINANCIAL SYSTEMS ARREARS LENDING CONDITIONS MONEY TRANSFERS CREDIT INSTITUTIONS SMALL BUSINESSES CREDIT LINES GUARANTEE SAVINGS BANK DEVELOPMENT BANK CREDIT REGISTRY CONSUMER PROTECTION FINANCIAL SECTOR DEVELOPMENT INEQUALITY MICROFINANCE INSTITUTION MFI EMPLOYEES This technical note provides a snapshot of financial inclusion trends and challenges in Tunisia. It follows the recent expiration of the Coordinated Vision for the Development of Microfinance in Tunisia 2011-2014, national strategy published in 2011. This document does not examine all aspects of financial sector development, but rather concentrates specifically on financial inclusion for low-income households and micro-enterprises. 2015-08-19T13:55:10Z 2015-08-19T13:55:10Z 2015-06 Report http://documents.worldbank.org/curated/en/2015/08/24865372/technical-note-financial-inclusion-tunisia-low-income-households-micro-enterprises http://hdl.handle.net/10986/22497 English en_US CC BY 3.0 IGO http://creativecommons.org/licenses/by/3.0/igo/ World Bank Washington, DC Economic & Sector Work Economic & Sector Work :: Other Financial Sector Study Middle East and North Africa
repository_type	Digital Repository
institution_category	Foreign Institution
institution	Digital Repositories
building	World Bank Open Knowledge Repository
collection	World Bank
language	English en_US
topic	FINANCIAL SYSTEM DEVELOPMENT BUSINESS OWNERS EMPOWERMENT MONETARY POLICY SAVINGS SERVICES DEPOSIT FINANCIAL SERVICES BORROWER ECONOMIC GROWTH DEPOSITS PEOPLE CAPITAL ACCUMULATION MONEY LAUNDERING FINANCING MICRO-ENTERPRISES INTEREST GUARANTEES EMPLOYMENT OPPORTUNITIES SAVINGS ACCOUNTS INTEREST RATE INSURANCE SERVICES BANKING SERVICES BANK ACCOUNT ENTREPRENEURS INEQUALITIES EXCLUSION REVENUES MONEY TRANSFER FORMAL FINANCIAL SECTOR MONEY-LENDERS INSURANCE POLICIES FINANCIAL DIFFICULTY LOAN VENTURE CAPITAL FIRMS LOAN AMOUNT BORROWERS AVERAGE BALANCE PAYMENTS BANKRUPTCY CURRENT ACCOUNTS MFIS MICROFINANCE INSTITUTIONS INCOME- GENERATING ACTIVITIES ECONOMIC ACTIVITY ACCESS TO FINANCIAL SERVICES FORMAL FINANCIAL SERVICE INTERNATIONAL FINANCE ANTI-MONEY LAUNDERING EXPATRIATE SAVINGS INDEBTEDNESS FINANCIAL NEEDS FINANCIAL INSTITUTION CHECKING ACCOUNT PARTIAL CREDIT CURRENCY EXCHANGE UNION CURRENT ACCOUNT FINANCES INTEREST RATES ECONOMIC EMPOWERMENT FIRST LOANS PAYMENTS SERVICES PAYMENT FINANCIAL INSTITUTIONS DEBT LIMITED ACCESS FINANCING NEEDS FINANCIAL PRODUCTS MICRO-ENTREPRENEURS LENDERS SOCIAL SECURITY VENTURE CAPITAL LOANS ENTERPRISES FARMERS ELECTRONIC PAYMENTS AGRICULTURAL BANK ASSET ACCUMULATION FINANCIAL SYSTEM SMALLHOLDERS FINANCE FOREIGN CURRENCY BANKS SMALL LOANS UNIONS UNEMPLOYMENT INVESTMENT BANKS GRANT FORMAL FINANCIAL INSTITUTION CAPITAL OPERATING COSTS SMALL ENTERPRISES BASIC NEEDS WOMAN FAMILY ACCESS TO FINANCE NEW COMPANIES INCOME-GENERATING ACTIVITIES FINANCIAL EXCLUSION BANK MICRO- ENTREPRENEURS MAXIMUM LOAN AMOUNT CREDIT FORMAL FINANCIAL SERVICES UNIVERSAL ACCESS INVESTMENT BANK DEBT COLLECTION LOAN CONDITIONS WORKING CAPITAL HOUSEHOLD AUTOMATIC TELLER ACCESS TO SAVINGS FINANCIAL EDUCATION REPAYMENT REPAYMENT RATES ENTERPRISE FINANCIAL ACCOUNT UNIVERSAL BANKS DEMAND FOR SAVINGS FINANCIAL SERVICE PROVIDERS JOB CREATION CASH MANAGEMENT INSURANCE PREMIUM CREDIT GUARANTEE FINANCIAL SERVICE CREDIT BUREAU DIVERSIFICATION POSTAL SAVINGS MICROCREDIT FINANCIAL INFRASTRUCTURE PROFITABILITY ACCESS TO CREDIT MICROFINANCE ECONOMIC OPPORTUNITIES MONEY ORDERS BANK LOAN SECURITY BANK LOANS FINANCIAL DEVELOPMENT INVESTMENT OUTSTANDING DEBT FINANCIAL INTERMEDIATION COMMERCIAL BANKS HOUSEHOLDS PAYMENT SERVICES EQUALITY LOAN SIZE CAPITAL REQUIREMENT STUDENTS INVESTMENTS BORROWING RISK MANAGEMENT TECHNICAL SUPPORT DEBIT CARD FEES HOME IMPROVEMENT FAMILIES WOMEN PUBLIC BANKS OUTREACH OUTSTANDING LOANS BANK BRANCHES ENTREPRENEUR FINANCIAL SYSTEMS ARREARS LENDING CONDITIONS MONEY TRANSFERS CREDIT INSTITUTIONS SMALL BUSINESSES CREDIT LINES GUARANTEE SAVINGS BANK DEVELOPMENT BANK CREDIT REGISTRY CONSUMER PROTECTION FINANCIAL SECTOR DEVELOPMENT INEQUALITY MICROFINANCE INSTITUTION MFI EMPLOYEES
spellingShingle	FINANCIAL SYSTEM DEVELOPMENT BUSINESS OWNERS EMPOWERMENT MONETARY POLICY SAVINGS SERVICES DEPOSIT FINANCIAL SERVICES BORROWER ECONOMIC GROWTH DEPOSITS PEOPLE CAPITAL ACCUMULATION MONEY LAUNDERING FINANCING MICRO-ENTERPRISES INTEREST GUARANTEES EMPLOYMENT OPPORTUNITIES SAVINGS ACCOUNTS INTEREST RATE INSURANCE SERVICES BANKING SERVICES BANK ACCOUNT ENTREPRENEURS INEQUALITIES EXCLUSION REVENUES MONEY TRANSFER FORMAL FINANCIAL SECTOR MONEY-LENDERS INSURANCE POLICIES FINANCIAL DIFFICULTY LOAN VENTURE CAPITAL FIRMS LOAN AMOUNT BORROWERS AVERAGE BALANCE PAYMENTS BANKRUPTCY CURRENT ACCOUNTS MFIS MICROFINANCE INSTITUTIONS INCOME- GENERATING ACTIVITIES ECONOMIC ACTIVITY ACCESS TO FINANCIAL SERVICES FORMAL FINANCIAL SERVICE INTERNATIONAL FINANCE ANTI-MONEY LAUNDERING EXPATRIATE SAVINGS INDEBTEDNESS FINANCIAL NEEDS FINANCIAL INSTITUTION CHECKING ACCOUNT PARTIAL CREDIT CURRENCY EXCHANGE UNION CURRENT ACCOUNT FINANCES INTEREST RATES ECONOMIC EMPOWERMENT FIRST LOANS PAYMENTS SERVICES PAYMENT FINANCIAL INSTITUTIONS DEBT LIMITED ACCESS FINANCING NEEDS FINANCIAL PRODUCTS MICRO-ENTREPRENEURS LENDERS SOCIAL SECURITY VENTURE CAPITAL LOANS ENTERPRISES FARMERS ELECTRONIC PAYMENTS AGRICULTURAL BANK ASSET ACCUMULATION FINANCIAL SYSTEM SMALLHOLDERS FINANCE FOREIGN CURRENCY BANKS SMALL LOANS UNIONS UNEMPLOYMENT INVESTMENT BANKS GRANT FORMAL FINANCIAL INSTITUTION CAPITAL OPERATING COSTS SMALL ENTERPRISES BASIC NEEDS WOMAN FAMILY ACCESS TO FINANCE NEW COMPANIES INCOME-GENERATING ACTIVITIES FINANCIAL EXCLUSION BANK MICRO- ENTREPRENEURS MAXIMUM LOAN AMOUNT CREDIT FORMAL FINANCIAL SERVICES UNIVERSAL ACCESS INVESTMENT BANK DEBT COLLECTION LOAN CONDITIONS WORKING CAPITAL HOUSEHOLD AUTOMATIC TELLER ACCESS TO SAVINGS FINANCIAL EDUCATION REPAYMENT REPAYMENT RATES ENTERPRISE FINANCIAL ACCOUNT UNIVERSAL BANKS DEMAND FOR SAVINGS FINANCIAL SERVICE PROVIDERS JOB CREATION CASH MANAGEMENT INSURANCE PREMIUM CREDIT GUARANTEE FINANCIAL SERVICE CREDIT BUREAU DIVERSIFICATION POSTAL SAVINGS MICROCREDIT FINANCIAL INFRASTRUCTURE PROFITABILITY ACCESS TO CREDIT MICROFINANCE ECONOMIC OPPORTUNITIES MONEY ORDERS BANK LOAN SECURITY BANK LOANS FINANCIAL DEVELOPMENT INVESTMENT OUTSTANDING DEBT FINANCIAL INTERMEDIATION COMMERCIAL BANKS HOUSEHOLDS PAYMENT SERVICES EQUALITY LOAN SIZE CAPITAL REQUIREMENT STUDENTS INVESTMENTS BORROWING RISK MANAGEMENT TECHNICAL SUPPORT DEBIT CARD FEES HOME IMPROVEMENT FAMILIES WOMEN PUBLIC BANKS OUTREACH OUTSTANDING LOANS BANK BRANCHES ENTREPRENEUR FINANCIAL SYSTEMS ARREARS LENDING CONDITIONS MONEY TRANSFERS CREDIT INSTITUTIONS SMALL BUSINESSES CREDIT LINES GUARANTEE SAVINGS BANK DEVELOPMENT BANK CREDIT REGISTRY CONSUMER PROTECTION FINANCIAL SECTOR DEVELOPMENT INEQUALITY MICROFINANCE INSTITUTION MFI EMPLOYEES World Bank Group Financial Inclusion in Tunisia : Low-Income Households and Micro-Enterprises
geographic_facet	Middle East and North Africa
description	This technical note provides a snapshot of financial inclusion trends and challenges in Tunisia. It follows the recent expiration of the Coordinated Vision for the Development of Microfinance in Tunisia 2011-2014, national strategy published in 2011. This document does not examine all aspects of financial sector development, but rather concentrates specifically on financial inclusion for low-income households and micro-enterprises.
format	Report
author	World Bank Group
author_facet	World Bank Group
author_sort	World Bank Group
title	Financial Inclusion in Tunisia : Low-Income Households and Micro-Enterprises
title_short	Financial Inclusion in Tunisia : Low-Income Households and Micro-Enterprises
title_full	Financial Inclusion in Tunisia : Low-Income Households and Micro-Enterprises
title_fullStr	Financial Inclusion in Tunisia : Low-Income Households and Micro-Enterprises
title_full_unstemmed	Financial Inclusion in Tunisia : Low-Income Households and Micro-Enterprises
title_sort	financial inclusion in tunisia : low-income households and micro-enterprises
publisher	Washington, DC
publishDate	2015
url	http://documents.worldbank.org/curated/en/2015/08/24865372/technical-note-financial-inclusion-tunisia-low-income-households-micro-enterprises http://hdl.handle.net/10986/22497
_version_	1764451259931164672

Financial Inclusion in Tunisia : Low-Income Households and Micro-Enterprises

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