Tunisia: Microcred implements historic 8-point cut in interest rates
This new unified pricing, applied to all types of loans designed prior to this decision, positions Microcred SA among the most competitive institutions on the market. It will cover all its loan products disbursed starting Monday, August 4, 2025.
This significant rate cut is the direct result of the 'NEXTT' transformation plan, launched in October 2022 following the company's transition to 100% Tunisian ownership. The plan enabled a deep modernization of operations, significant productivity improvements, and a reduction in operating costs.
Customer-focused modernization
'Our transformation was not an end, but above all a way to fulfill a promise: making financial autonomy more accessible. Today, we are translating our efficiency gains into direct and tangible benefits for our clients, especially the most vulnerable,' said Ms. Awatef Mechri, CEO of Microcred SA.
'By reducing the cost of credit, we're giving them additional means to create value, better develop their impact projects, and sustainably improve their daily lives.'
The success of Microcred SA's transformation relies on two major pillars:
Complete digitalization of the customer journey: From online loan simulation to fund disbursement, all processes have been fully digitized to offer a simpler, faster, and more transparent experience.
A culture of hyper-proximity: Teams have been trained to strengthen listening and personalized support, addressing both experienced project holders and those who are only at the idea stage.
Over 50 New Credit Products to Accelerate Social and Economic Impact
In parallel with this general rate cut, Microcred SA is expanding its offerings with more than 50 new credit formulas tailored to specific needs:
Young graduates and women in rural areas with high-impact projects (green, circular, or solidarity economy);
Low-income and unbanked salaried workers needing financing for personal or family projects.
These new offerings also benefit from flexible repayment terms (monthly, quarterly, semiannual, or annual), adapted to the seasonality and actual financial capacity of each project.
With all these strong commitments, Microcred SA reaffirms its mission: to be a trusted partner and a growth catalyst of choice for micro-entrepreneurs and households excluded from the traditional financial system in Tunisia.
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