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This financing is Proparco’s second operation with the microfinance institution and will allow Enda Tamweel to support a larger number of micro-entrepreneurs in Tunisia. The specific aim is to support women and rural communities, thereby contributing to the financial inclusion of populations excluded from the traditional financial system.


Building on over 20 years’ experience, Enda Tamweel is the leader in Tunisia’s microfinance market, with over 80% of market share.

Since 1995, Enda Tamweel has allocated over 2.8 million microcredits to 730,000 micro-entrepreneurs. At the start of 2018, the institution was operating via a network of 86 branches and 3 mobile branches, serving 337,000 micro-entrepreneurs nationwide with an outstanding amount of around TND510m, and employing some 1,700 people.


The reserved capital increase of TND72m, to which Proparco is participating (TND17.5m), will allow Enda Tamweel to mobilize more debt to serve more micro-entrepreneurs in Tunisia and meet their increased needs for microcredit.

It will thereby contribute to financial inclusion for populations excluded from the traditional financial system. Furthermore, an ongoing technical assistance budget will support the MFI in the definition and implementation of its “gender” strategy, which aims to promote access to microcredits for women.


The project will support financial inclusion for populations with little access to banking services in Tunisia. Indeed, Enda is proceeding with an effective targeting of poor populations excluded from financial services. Proparco’s operation will allow around 82,000 clients to benefit from a microfinance product.

In terms of service provision and prices, Enda’s positioning is also in line with its social mission: the range of credit products is diversified and flexible, allowing it to serve micro-entrepreneurs’ needs at various stages in the development of their activities and in various agricultural and non-agricultural economic sectors.
The development of mobile banking solutions and the mobile branch also meet the objective of targeting remote populations and reducing indirect costs for clients.

Finally, in terms of client protection, the institution has improved its practices over the years. It now applies the highest international standards and obtained certification in 2015.