Enda Tamweel

Enda Tamweel is the best-known microfinance institution in Tunisia. It grew out of the NGO Enda inter-arabe, which introduced microcredit in the country in 1995. After the 2011 microfinance law allowed for-profit microfinance companies, Enda inter-arabe created Enda Tamweel as a société anonyme; it was approved by the Ministry of Finance on 31 December 2015 and is supervised by the Autorité de contrôle de la microfinance (ACM). At its launch the network served about 270,000 clients through 78 branches. In August 2024 Enda Tamweel reported 109 branches covering every governorate, plus mobile counters for isolated areas. It lends mainly to micro-entrepreneurs, women, young project holders and low-income households, and holds the SPTF Cerise+ client-protection certification at gold level. It is not a fintech startup, but it is one of the main credit channels outside the banks and has worked with technology partners, for example on a mobile card with La Poste Tunisienne (Mobitamweel, 2016) and on a risk and audit platform with Talys (2024). In June 2026 a syndicate led by Amen Bank, with BIAT, Arab Tunisian Bank and BTK, arranged TND 160 million of financing for the institution.