Abstract
EnglishBefore 2011, the Tunisian microfinance sector was built on a “duopoly” between a public bank, the Banque tunisienne de solidarite (BTS), which had a monopoly over the financing of local microcredit associations (AMC), and a microfinance institution (ENDA-Inter-arabe). The changes set in motion by the authorities since the Revolution have brought new actors to microfinance, while also triggering a crisis for microcredit associations, which are the intermediaries for public financing in the sector. The article analyzes how the recent evolution seems to make it unlikelier for innovative, hybrid approaches which allow for local financing in peripheral areas with respect to the Tunisian development model to take root, while increasing the risk of the commercialism of microfinance and of its concentration. francaisAvant 2011, le secteur du microcredit s’est construit en Tunisie sur la base d’un « duopole » entre une banque publique, la Banque tunisienne de solidarite (BTS), disposant du monopole de financement des associations locales de microcredit (AMC), et une institution de microfinance, Enda Inter-arabe. Les changements engages par les autorites depuis la revolution tunisienne ont amene de nouveaux acteurs dans la microfinance, tout comme ils ont provoque la crise des associations de microcredit, relais du financement public dans le secteur. Fort de ces constats, l’article analyse comment l’evolution engagee semble voir s’eloigner la possibilite d’ancrer des approches hybrides novatrices, permettant de deployer un dispositif de financement de proximite dans les zones peripheriques du modele de developpement tunisien, tout en augmentant les risques d’une derive commerciale de la microfinance et de sa concentration.
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