Tunisia Central Bank on Interest-Free Honor Loans

The Central Bank of Tunisia has issued a new circular regulating the granting of "honor" loans without interest, which is scheduled to be officially implemented on October 1, 2026. The system aims to finance citizens, small projects, and micro and small enterprises, with borrowing limits of up to 5,000 dinars for individuals, 10,000 for small projects, and 25,000 for organizations. Repayment terms extend up to two years, with the possibility of a six-month deferment, all without interest or application fees. Applicants are required to have a clean banking record with no prior debts, and repayment capacity will be assessed based on the applicant's income. The funding comes from 8% of banks' profits. However, the limited amount of funds will benefit approximately 3,000 recipients, with priority given to applications submitted through the online platform. Questions have been raised about fairness among citizens and concerns over the two-year delay in activating the law since its approval.

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