Loyalty Loan Mechanism Starts 2026

The financial and banking system in Tunisia has begun implementing the "Honor Loan" mechanism with a 0% interest rate starting from October 1, 2026. The goal is to facilitate access to bank financing for citizens, especially those who are unbanked and face low financial inclusion rates of around 36%, compared to rates approaching 100% in other countries. To qualify for this loan, applicants must have a bank account, which could expedite the process of opening new accounts and enhance financial inclusion. Experts expect that the number of beneficiaries will not exceed 12,000 individuals. Strict financial rules will remain in place to ensure repayment capacity, but this program is unlikely to significantly achieve the broader goal of comprehensive financial inclusion.

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