Taysir Microfinance

What Taysir Microfinance does

Taysir Microfinance SA is a Tunisia-based Société Anonyme founded in 2013 and licensed on March 28, 2014, as the first Microfinance Institution (IMF) in Tunisia. The company originates microcredit loans ranging from 500 TND to 40,000 TND through a tiered product suite (Intilaak, Tanmia, Tawfik, Tamayouz, A3yedna, 9rayti, Dari, Dari Plus), serving micro-entrepreneurs, women, youth, and populations in Regional Development Zones (71.73% of clients). It bundles each loan with a life micro-insurance contract through BH Assurance and operates a multi-channel repayment infrastructure comprising a co-branded MobiTasshil mobile banking card, a Viamobile nationwide cash agent network, and in-branch cash collection. As of 2024, the company has granted 130,398 credits totaling 728,647,679 TND in cumulative disbursements, operates 33 agency branches across Tunisia, and employs 101-250 staff. A non-profit subsidiary, Taysir Conseil, provides non-financial services (training, coaching, financial education, digital inclusion, soft skills) to clients.

Taysir generates revenue primarily through interest income on its microcredit portfolio and commissions from bundled life insurance, with additional revenue potential from its San3etna.com e-commerce marketplace launched in February 2021 to help borrowers commercialize their products. Its go-to-market is a direct physical channel motion: credit advisors in 33 agency branches across Tunisia engage borrowers face-to-face, supported by an inbound contact center (+216 29 500 500) and a digital loan application form on taysir.com.tn. The company is 79.189% controlled by the diversified Horchani Group (since February 2021), with capital increased to 26,300,000 TND in 2024, and benefits from co-funding and program partnerships with AFD, EU, BEI, OIT, USAID, DCIM, GIZ, and SILATECH. The distribution and technology stack are conventional microfinance infrastructure (no AI/ML or proprietary digital products beyond the payment card and e-commerce platform), and the business is regulated by Tunisian financial authorities under the IMF license.

Name

Taysir Microfinance

Legal name

Taysir Microfinance SA

Website

https://taysir.com.tn

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

101–250 employees

Short description

Taysir Microfinance SA is Tunisia's first licensed microfinance institution, originating microcredit loans (500-40,000 TND) for micro-entrepreneurs, women, youth, and populations in Regional Development Zones through 33 agency branches and a MobiTasshil/Viamobile digital repayment infrastructure.

Ownership category

akta.pro rank

Product category

Microfinance

NAICS

Nondepository Credit Intermediation (5222), Credit Intermediation and Related Activities (522)

SIC

Short-Term Business Credit Institutions (6153), Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM), Loan Servicing Platforms (Billing, Statements, Customer Self-Service) (FSAGAHAH), SME, Microfinance & Financial Inclusion Facilities (BPADACAI)

Keywords

• Microfinance services
• Microcredit lending
• Financial inclusion
• Small business loans
• Consumer lending

Headquarters

HQ city

Tunis

HQ country

Tunisia

HQ region

Africa

Offices33 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales

Revenue model

1. Microcredit Origination & Interest Income: Taysir generates revenue by originating microcredits ranging from 500 TND to 40,000 TND, charging interest on loans. The institution earns interest income on the loan portfolio, with revenue derived from credit disbursement fees and ongoing interest payments across product tiers (Intilaak, Tanmia, Tawfik, Tamayouz, A3yedna, 9rayti, Dari, Dari Plus). The company had disbursed 728,647,679 TND in total credits across 130,398 credits granted.
2. Micro-insurance (Life Insurance): A life insurance contract is subscribed at the time of loan disbursement, providing a fixed capital throughout the membership period paid to beneficiaries in case of death or IDT (total permanent disability). Revenue likely derives from insurance premiums or commissions embedded in the loan product.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels6 records

Core offering

Taysir Microfinance is a licensed Tunisian microfinance institution that originates microcredits ranging from 500 TND to 40,000 TND to underserved micro-entrepreneurs, women, youth, and populations in Regional Development Zones. The company distributes its products through a 33-branch agency network, complemented by MobiTasshil mobile banking, the Viamobile cash agent network, and a website-based loan application. Taysir Conseil, a related non-profit arm, provides non-financial services (training, accompaniment, financial education, digital inclusion) bundled with credit access.

Product overview

Taysir Microfinance operates as a microfinance institution offering a tiered suite of microcredit products for income-generating activities (Intilaak, Tanmia, Tawfik, Tamayouz) and products for improving living conditions (A3yedna, 9rayti, Dari, Dari Plus), with loan amounts ranging from 500 DT to 40,000 DT. The portfolio is complemented by a life micro-insurance product, multiple repayment channels (carte Mobi-tashil mobile banking, Viamobile cash network, and in-person cash at agencies), and a non-profit consulting arm called Taysir Conseil providing accompaniment, financial education, soft skills, digital inclusion, and individual coaching services. The company focuses on underserved populations in Regional Development Zones across Tunisia.

Differentiator

Problem solved

Functional benefit

Brands

• Intilaak: Micro-credit product for financing projects, working capital or stock, ranging from 500 DT to 3,000 DT with repayment up to 18 months
• Tanmia
• Tawfik
• Tamayouz
• A3yedna
• 9rayti
• Dari
• Dari Plus
• MobiTasshil
• Viamobile

Products and services

• Intilaak (انطلاق)
• Tanmia (تنمية)
• Tawfik (توفيق)
• Tamayouz (تميّز)
• A3yedna (أعيادنا)
• 9rayti (قرايتي)
• Dari (داري)
• Dari Plus (داري +)
• Micro-assurance (Micro-insurance)
• Taysir Conseil (تيسير للاستشارة)

Quantifiable outcome

• 130,398 credits granted to date
• +4 more outcomes

Named customers4 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

14 partnerships are on record, tiered core and minor.

• BH AssurancecoreStrategic or Co-development Partner · 1 May 2021Partnership signed May 2021 between Taysir Microfinance SA and BH Assurance. The convention aims to encourage Taysir clients, particularly those in the AFERE project, to subscribe to savings/insurance accounts with preferential conditions. BH Assurance provides life insurance bundled with microcredit products.
• SPARKminorStrategic or Co-development Partner · 1 April 2021Partnership signed April 2021 between Taysir Microfinance SA and SPARK (an international development organization focused on youth and entrepreneurship in the Middle East and North Africa). SPARK supports Taysir's entrepreneurship programs for youth.
• TAMWEELIminorChannel Partner/ Reseller/ Distributor · 1 March 2021Partnership convention signed March 2021 between Taysir Microfinance and Tamweeli, a financial inclusion platform or intermediary that may facilitate access to Taysir's products for target populations.
• SENIATNAminorStrategic or Co-development Partner · 1 February 2021Partnership signed February 2021 between Taysir Microfinance SA and SENIATNA. The partnership aims to facilitate access for producers/artisans collaborating with SENIATNA to Taysir's products and services, while SENIATNA presents the articles and products of Taysir clients on its platform san3etna.com.
• CAWTARminorStrategic or Co-development Partner · 1 January 2021CAWTAR signed a framework partnership agreement with Taysir Conseil in January 2021 in the field of strengthening women's economic participation in rural Tunisia (Béja and Médenine governorates), within the framework of a social innovation project in the agri-food sector for women's empowerment in the Mediterranean basin.
• OIT (Organisation Internationale du Travail)coreStrategic or Co-development PartnerThe International Labour Organization (ILO/OIT) is a key strategic partner implementing projects such as AFERE (Appui au Femmes Rurales en Entrepreneuriat), ETOFE, EDJEF, and JEUN'ESS-SIF with Taysir. OIT provides funding, program design, and technical assistance for microfinance-linked entrepreneurship support programs targeting women and youth.
• SILATECHcoreStrategic or Co-development PartnerSilatech is a regional organization focused on youth employment and entrepreneurship in Arab countries. Partners with Taysir on programs targeting young entrepreneurs and job seekers in Tunisia.
• La Poste TunisienneminorChannel Partner/ Reseller/ DistributorLa Poste Tunisienne (Tunisian Post) is a national postal network partner that may provide physical service points for loan disbursement, repayment, or financial inclusion outreach in underserved areas.
• ADA (Appui au Développement des Autonomisations)minorStrategic or Co-development PartnerADA is a development organization that supports financial inclusion and microfinance initiatives. Partner of Taysir in development programs targeting marginalized populations.
• SOS Villages d'EnfantsminorOthersSOS Villages d'Enfants Tunisia is listed as a partner of Taysir Conseil, likely involved in social development and youth support programs.
• SwisscontactminorStrategic or Co-development PartnerSwisscontact is a Swiss development organization providing technical assistance and training support for entrepreneurship development programs with Taysir Conseil.
• Danone Eco SystemminorStrategic or Co-development PartnerDanone Eco System is a Danone subsidiary supporting social business and economic development projects. Partner of Taysir Conseil on entrepreneurship development and economic inclusion initiatives.
• CARPLUSminorOthersCARPLUS is listed as a partner of Taysir Conseil. Nature of partnership not detailed in available sources.
• Taysir ConseilcoreStrategic or Co-development PartnerTaysir Conseil is the non-profit consulting arm of the Taysir Group, created in March 2013. It provides non-financial services (training, accompaniment, financial education, digital inclusion, soft skills, individual coaching) to Taysir microcredit clients and candidates, creating an integrated value proposition. Its mission is to support micro-entrepreneurs and populations excluded from classical financial circuits, particularly women and youth in Regional Development Zones.

Scale indicators9 records

Recent moves15 records

Expansion highlights5 records

Others

• Viamobile (Taysir's network partner): Viamobile is a Tunisian mobile-money agent network integrated into Taysir's loan repayment rails; it functions as an enabler/distribution partner rather than a direct microcredit competitor, providing proximity-based cash repayment infrastructure for microfinance institutions.

Broad incumbents

• ProCredit Bank (Tunisia): ProCredit Bank Tunisia is part of the ProCredit group, serving SMEs and micro-businesses with banking products that overlap with Taysir's tiered microcredit offerings at the upper end (Tamayouz 20,001–40,000 DT), while operating as a regulated depository institution.
• BRAC Microfinance: BRAC is one of the world's largest microfinance and development organizations, with operations across multiple continents serving micro-entrepreneurs through tiered credit, training, and non-financial services comparable in structure to Taysir's offering.

Emerging players

• Kashf Foundation: Kashf Foundation is a Pakistan-based microfinance institution focused on women's financial inclusion through microcredit and enterprise development, sharing Taysir's emphasis on women borrowers (46.06% of Taysir's credits) and bundled non-financial services.

Direct peers

• ENDA Tamweel: ENDA Tamweel is the largest microfinance institution in Tunisia, offering microcredit products similar to Taysir's Intilaak/Tanmia/Tawfik/Tamayouz tiered suite, with both institutions targeting the same micro-entrepreneur and underserved populations across Tunisian governorates.
• Advans Tunisie: Advans Tunisie is a licensed microfinance institution operating in Tunisia with a comparable product portfolio (microcredit, SME loans, savings) and similar focus on financial inclusion for micro-entrepreneurs and small businesses excluded from conventional banking.
• Attawfik Microfinance: Attawfik is another Tunisian microfinance institution competing directly with Taysir on microcredit and financial inclusion for underserved populations, operating under similar regulatory oversight by Tunisian financial authorities.
• Microcred Tunisie (Baobab): Microcred Tunisie, now operating as Baobab, is a subsidiary of the pan-African microfinance group Baobab and competes directly with Taysir in Tunisia through microcredit and digital repayment channels targeted at micro-entrepreneurs.

Regional players

• Al Amana Microfinance (Morocco): Al Amana is one of the largest microfinance institutions in Morocco and a regional North African MFI peer. It shares Taysir's model of tiered microcredit for micro-entrepreneurs and women, though operating in a different domestic market with its own regulatory regime.
• MDP (Microfinance pour le Développement des Pauvres, Morocco): MDP is a major Moroccan microfinance institution serving rural and urban micro-entrepreneurs with tiered microcredit, sharing Taysir's social-mission orientation and donor-funded program model, though primarily in Morocco rather than Tunisia.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubem.youtube.com/user/TaysirMicrofinance/featured
• Facebookfacebook.com/TaysirMF
• LinkedInlinkedin.com/company/taysir-microfinance

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Taysir Microfinance