Article 38 of the finance bill for the year 2026 introduces a new financing line amounting to 20 million dinars, from the National Employment Fund, intended for vulnerable categories and with limited income.
This measure aims to support the creation of economic activities and strengthen the financial inclusion of the most vulnerable populations.
Interest-free credits
According to the text of the bill, beneficiaries will be able to access interest-free credits of a maximum amount of 10,000 dinars each. These loans will be allocated to financing small economic activities and local micro-projects over the period from January 1, 2026 to December 31, 2027.
Reimbursement is planned over a maximum period of six years, including a grace year granted to beneficiaries to allow them to consolidate their projects before reimbursement begins.
This initiative is part of a budgetary policy oriented towards social justice and inclusive recovery, by offering financial tools adapted to people excluded from traditional banking circuits.
Management entrusted to the BTS
The implementation of this mechanism will be ensured by the Tunisian Solidarity Bank (BTS), already specialized in financing small entrepreneurs and microprojects. An agreement will be concluded between the BTS, the Ministry of Finance and the Ministry of Employment, to define the conditions for granting, monitoring and reimbursement of credits.
The BTS will be responsible for selecting the files, providing support to the beneficiaries and guaranteeing the proper use of funds, in accordance with the social objectives of the system.
This measure complements other measures planned in the PLF 2026, which emphasizes support for low-income groups, the creation of sustainable jobs and the promotion of the solidarity economy. By facilitating access to interest-free financial resources, the government seeks to encourage self-employment and reduce precariousness in disadvantaged regions.
