Microfinance Solutions for MSMEs and Consumers

Microfinance Solutions for MSMEs and Consumers
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Microfinance Solutions for MSMEs and Consumers
Microfinance Solutions for MSMEs and Consumers
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SectorMost major industry classification systems use sources of revenue as their basis for classifying companies into specific sectors, subsectors and industries. In order to group like companies based on their sustainability-related risks and opportunities, SASB created the Sustainable Industry Classification System® (SICS®) and the classification of sectors, subsectors and industries in the SDG Investor Platform is based on SICS.
Financials
Corporate and Retail Banking
Business Model Description

Offer alternative microfinancing options for MSMEs and consumers with limited access to the banking system

Expected Impact

Increase access to capital for SMEs and disadvantaged people via the use of microfinance

How is this information gathered?
Updated: 12 Dec, 2022 Date of Production: 13 Dec, 2022
Tunisia
Indicative ReturnDescribes the rate of growth an investment is expected to generate within the IOA. The indicative return is identified for the IOA by establishing its Internal Rate of Return (IRR), Return of Investment (ROI) or Gross Profit Margin (GPM).
> 25% (in ROI)
Investment TimeframeDescribes the time period in which the IOA will pay-back the invested resources. The estimate is based on asset expected lifetime as the IOA will start generating accumulated positive cash-flows.
Medium Term (5–10 years)
Market SizeDescribes the value of potential addressable market of the IOA. The market size is identified for the IOA by establishing the value in USD, identifying the Compound Annual Growth Rate (CAGR) or providing a numeric unit critical to the IOA.
USD 100 million - USD 1 billion
Average Ticket Size (USD)Describes the USD amount for a typical investment required in the IOA.
USD 1 million - USD 10 million
Direct ImpactDescribes the primary SDG(s) the IOA addresses.
No Poverty (SDG 1) Decent Work and Economic Growth (SDG 8) Industry, Innovation and Infrastructure (SDG 9)
Indirect ImpactDescribes the secondary SDG(s) the IOA addresses.
Reduced Inequalities (SDG 10)

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Sector Sources
  • 1) ADA. MicroMED: accélérer l’inclusion financière en Tunisie. https://www.ada-microfinance.org/nos-projets/conseiller-les-institutions-publiques/tunisie 2) IMF, 2021. Tunisia: 2021 Article IV Consultation—Press Release; Staff Report; and Statement by the Executive Director for Tunisia. https://www.elibrary.imf.org/configurable/content/journals$002f002$002f2021$002f044$002farticle-A002-en.xml?t:ac=journals%24002f002%24002f2021%24002f044%24002farticle-A002-en.xml 3) La Presse, 2021. Réduire la masse monétaire en circulation. https://lapresse.tn/85660/reduire-la-masse-monetaire-en-circulation/ 4) LE COURRIER DE L’INDUSTRIE, 2017. http://www.tunisieindustrie.nat.tn/fr/download/ci/ci135.pdf 5) GIZ, 2021. Promotion de la finance digitale. https://www.giz.de/en/downloads/giz2021-fr-promotion-de-la-finance-digitale.pdf 6) Smart Tunisia. http://www.smarttunisia.tn/about-us/ 7) Stakeholders consultations held in 2021. 8) Stakeholders consultations held in 2021. 9) World Bank, 2020. Tunisia Economic Monitor. https://documents1.worldbank.org/curated/en/194331608565600726/pdf/Tunisia-Economic-Monitor-Rebuilding-the-Potential-of-Tunisian-Firms-Fall-2020.pdf 10) US Department of State. 2020 Investment Climate Statements: Tunisia. https://www.state.gov/reports/2020-investment-climate-statements/tunisia/ 11) L'Economiste Maghrebin , 2020. Quel financements a moindre cout pour la PME? https://www.leconomistemaghrebin.com/2020/12/19/conect-alternatives-proposees-pme-face-echec-etat/ 12) World Bank, 2015. Snapshot Financial Inclusion in Tunisia. https://documents1.worldbank.org/curated/en/861061467998506998/pdf/96222-REVISED-Box393219B-PUBLIC-ENGLISH-2015-Tunisia-Financial-Inclusion-Snapshot-EN-10-06.pdf 13) UNDP. https://procurement-notices.undp.org/view_file.cfm?doc_id=235386 14) Shops Plus and USAID, 2020. Digital Financial Services in the MENA Region. https://www.shopsplusproject.org/sites/default/files/resources/Digital%20Financial%20Services%20in%20the%20MENA%20Region.pdf 15) OECD and ILO, 2020. Changing Laws and Breaking Barriers for Women’s Economic Empowerment in Egypt, Jordan, Morocco and Tunisia. https://www.ilo.org/wcmsp5/groups/public/---africa/---ro-abidjan/---sro-cairo/documents/publication/wcms_760505.pdf 16) AfDB, 2019. FINANCIAL SECTOR MODERNISATION SUPPORT PROGRAMME II - (PAMSFI II). https://www.afdb.org/sites/default/files/documents/projects-and-operations/tunisia-_ar-_financial_sector_modernisation_support.pdf 17) Le baromètre de la Microfinance N°16-Septembre 2021 , Autorité de Contrôle de la Microfinance 18) World Bank, 2020. Tunisia Economic Monitor. https://documents1.worldbank.org/curated/en/194331608565600726/pdf/Tunisia-Economic-Monitor-Rebuilding-the-Potential-of-Tunisian-Firms-Fall-2020.pdf
IOA Sources
  • 19) AfDB, 2019. FINANCIAL SECTOR MODERNISATION SUPPORT PROGRAMME II - (PAMSFI II). https://www.afdb.org/sites/default/files/documents/projects-and-operations/tunisia-_ar-_financial_sector_modernisation_support.pdf 20) Shops Plus and USAID, 2020. Digital Financial Services in the MENA Region. https://www.shopsplusproject.org/sites/default/files/resources/Digital%20Financial%20Services%20in%20the%20MENA%20Region.pdf 21) Stakeholders consultations held in 2021. 22) Oxford Business Group. https://oxfordbusinessgroup.com/analysis/think-small-more-banks-are-looking-improve-funding-small-and-medium-sized-businesses 23) SWP, 2020. A Stable Countryside for a Stable Country?. https://www.swp-berlin.org/en/publication/tunisia-a-stable-countryside-for-a-stable-country/#en-d37675e1495 24) Secteur Prive Developpement, 2020. L’autonomisation des femmes par l’inclusion financière : le cas de la Tunisie. https://blog.secteur-prive-developpement.fr/2020/06/03/lautonomisation-des-femmes-par-linclusion-financiere-le-cas-de-la-tunisie/ 25) Plan International. https://plancanada.ca/microfinance-benefits 26) G20 Insights, 2020. Financial Inclusion for Women: A Way Forward. https://www.g20-insights.org/policy_briefs/financial-inclusion-for-women-a-way-forward/#:~:text=Having%20access%20to%20and%20use,of%20their%20households%20and%20businesses 27) EBRD, 2020. EBRD and EU strengthen small businesses in Tunisia. https://www.ebrd.com/news/2020/ebrd-and-eu-strengthen-small-businesses-in-tunisia-.html 28) Oxford Business Group. The Report: Tunisia 2019. https://oxfordbusinessgroup.com/tunisia-2019-0 29) Microfinance CEO Working Group, 2014. Over-Indebtedness: A Risk Management Approach. https://www.findevgateway.org/sites/default/files/publications/files/mfg-en-paper-over-indebtedness-a-risk-management-approach-apr-2014.pdf 30) World Bank Group, 2015. Technical Note Financial Inclusion in Tunisia. https://openknowledge.worldbank.org/bitstream/handle/10986/22497/Financial0incl0hot000technical0note.pdf?sequence=1&isAllowed=y 31) GIZ, 2021. Promotion de la finance digitale. https://www.giz.de/en/downloads/giz2021-fr-promotion-de-la-finance-digitale.pdf 32) GIZ. Support to the microfinance sector. https://www.giz.de/en/worldwide/19710.html 33) AMEF Consulting. Progress and Impacts of Microfinance Regulation in Tunisia. https://www.amef-consulting.com/progress-and-impacts-of-microfinance-regulation-in-tunisia/?lang=en 34) US Department of State. 2020 Investment Climate Statements: Tunisia. https://www.state.gov/reports/2020-investment-climate-statements/tunisia/ 35) Switchmed, 2020. Profile pays Tunisie. https://www.euneighbours.eu/sites/default/files/publications/2020-12/Tunisia_countryprofile.pdf 36) Alexander and Partner, 2020. Investment Promotion Regime in Tunisia. https://www.alexander-partner.com/publications/investment-promotion-regime-in-tunisia/ 37) Invest in Tunisia. Incentive Legislation. http://www.investintunisia.tn/En/incentive-legislation_11_24