What Advans Tunisie does

Advans Tunisie is a Tunisian microfinance institution founded in 2013 at the initiative of Advans SA, an international microfinance network, and operational since March 2015. The company extends microcredits to micro-entrepreneurs, small and medium enterprises, women, youth and agricultural operators across Tunisia, with a loan book above 350 MDT (Million Tunisian Dinars) and more than 39,000 active credits. Its shareholder structure combines the Advans group (53.38%), the German development finance fund SANAD (30%), Tunisia's Amen Bank (8.60%) and the social-investor group INAAM (8.00%).

The product suite is built around five core credit offerings — Tatouir (startup credit up to 7,000 DT), Mostakbali (working capital up to 20,000 DT), Imtiez (business development up to 40,000 DT), Saba (agricultural credit up to 40,000 DT) and El Beya (women-focused credit) — supported by a Mobitasdid co-branded prepaid card with La Poste Tunisienne that integrates loan repayment, balance consultation, transfers and bill payments. The underlying technology stack is light: an online credit-request form, a remote coaching platform delivered through consumer messaging tools (Skype, WhatsApp, Messenger, phone), and integrations with partner banks and payment establishments (Amen Bank, Attijari Bank, Swared, Wafacash) and direct debit for collections. Underwriting and approval are carried out by branch credit officers and a credit committee.

Revenue is generated primarily through interest income on microcredits and add-on streams including borrower insurance, prepaid-card transaction fees (e.g., 500 millimes per Mobitasdid repayment) and partner commissions. Distribution is anchored by a 31-branch network covering urban, semi-rural and rural Tunisia, with accompaniment programs (Siyehetna, Rafekni, Tashil, 3*100%) layering non-financial services — coaching, financial education and digital-marketing training — on top of credit.

Name

Advans Tunisie

Legal name

Advans Tunisie

Website

https://advanstunisie.com

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

251–500 employees

Short description

Advans Tunisie is a microfinance institution serving Tunisian micro-entrepreneurs, SMEs, women, youth and agricultural operators with microcredits up to 40,000 DT, supported by a 31-branch network, the Mobitasdid co-branded prepaid card, and non-financial accompaniment programs.

Ownership category

akta.pro rank

Product category

Microfinance Services

NAICS

Credit Intermediation and Related Activities (522)

SIC

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

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industry

Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM)

Keywords

• Microfinance services
• Microcredit lending
• Financial inclusion
• Agricultural lending
• Women entrepreneurship

Headquarters

HQ city

Tunis

HQ country

Tunisia

HQ region

Africa

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Microcredit Interest Income: Revenue generated from interest on microloans ranging from 7,000 DT to 40,000 DT provided to micro-entrepreneurs. Loan products include Tatouir (up to 7,000 DT), Mostakbali (up to 20,000 DT), Imtiez (up to 40,000 DT), and Saba for agricultural activities (up to 40,000 DT). Interest rates are studied and adapted to client needs.
2. Borrower Insurance: Insurance solutions offered to micro-entrepreneurs to protect their projects in case of adverse events. Provides coverage for borrowers throughout the loan lifecycle.
3. Repayment Channel Fees: Revenue from various repayment channels including postal commissions on Mobitasdid card payments (500 millimes per transaction), and potentially fees from banking partner and payment establishment networks (Swared, Wafacash).

Pricing tiers

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Advans Tunisie is a microfinance institution providing microcredit loans (from 7,000 DT up to 40,000 DT) to micro-entrepreneurs, along with multi-channel repayment infrastructure (partner banks, payment establishments, Mobitasdid prepaid card), borrower insurance, and non-financial accompaniment coaching programs for women, youth, and agricultural clients. The company operates 31 branches across urban, semi-rural, and rural Tunisia, serving over 39,000 active borrowers and supporting the launch and development of small businesses.

Product overview

Advans Tunisie is a microfinance institution offering a portfolio of microcredit products complemented by digital payment infrastructure and non-financial support services. The core credit offerings include five distinct products: Tatouir (startup microcredit up to 7,000 DT), Mostakbali (working capital/investment up to 20,000 DT), Imtiez (business development up to 40,000 DT), Saba (agricultural credit up to 40,000 DT), and El Beya (women's empowerment credit up to 10 million DT). These credit products are supported by diversified repayment channels including partner banks (Amen Bank, Attijari Bank), payment establishments (SWARED, Wafacash), and the proprietary Mobitasdid prepaid card in partnership with Poste Tunisienne. The product suite also includes borrower insurance protection and coaching programs (Siyehetna, Rafekni, Tashil, 3*100%) providing financial education, digital marketing, and communication skills training to support micro-entrepreneur success.

Differentiator

Problem solved

Functional benefit

Products and services

• Crédit Tatouir Microcredit product offering financing up to 7,000 DT for new micro-entrepreneurs starting their activity in Tunisia, with simplified procedures and relaxed conditions for entrepreneurs with at least 6 months of existing business activity.
• Crédit Mostakbali Microcredit product for micro-entrepreneurs to finance investments or working capital needs, offering up to 20,000 DT with a range of flexible and accessible guarantees.
• Crédit Imtiez Investment credit for business development of micro-entrepreneurs offering financing up to 40,000 DT with flexible guarantees and flexible repayment schedules.
• Crédit Saba Agricultural credit for financing farming activities, offering up to 40,000 DT with modular repayment schedules adjustable to farming cycles.
• Crédit El Beya (قرض البيّة) Women-focused microcredit offering up to 5,000 DT for women or up to 10,000 DT without guarantees for existing female clients with at least 2 years of tenure and positive payment history.
• Mobitasdid Prepaid Card (Carte Mobitasdid) Co-branded prepaid card with La Poste Tunisienne enabling credit repayment, balance consultation, money transfers between cards, bill payments (electricity, water, phone credit), and integrated with automatic bank withdrawal for loan installment collection.
• Bank Direct Debit (Prélèvement bancaire) Automatic bank deduction service allowing microcredit clients to sign a one-time authorization for automatic loan installment repayment from their personal bank account on the due date.
• Borrower Insurance (Assurance emprunteur) Micro-insurance solution protecting micro-entrepreneur borrowers against adverse events by providing coverage for their projects throughout the loan lifecycle.

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

Integration6 records

Feature2 records

Partnerships

Six partnerships are on record, tiered major and minor.

• USAIDmajorStrategic or Co-development Partner · 1 January 2023Technical partner supporting the Siyehetna (Tourism) accompaniment program for 2023-2024. Program provides coaching and 800 DT grants to 1,000 tourism sector clients.
• TAMSSmajorStrategic or Co-development Partner · 1 January 2023Technical partner supporting the Siyehetna (Tourism) accompaniment program for 2023-2024. Collaborates on coaching delivery and support services for tourism sector micro-entrepreneurs.
• Attijari BankminorChannel Partner/ Reseller/ DistributorBanking partner for loan repayment channel. Clients can pay loan installments at Attijari Bank branch network across Tunisia.
• La Poste TunisiennemajorTechnology or IntegrationStrategic partnership for Mobitasdid co-branded prepaid card enabling loan repayments, balance consultation, money transfers, bill payments, and phone credit recharge. Card integrates with automatic bank withdrawal system.
• SwaredminorChannel Partner/ Reseller/ DistributorPayment establishment partner providing convenient loan repayment locations through affiliated merchants. Points have extended operating hours compared to banks and post offices, allowing repayment after work hours.
• Wafacash TunisieminorChannel Partner/ Reseller/ DistributorPayment establishment partner providing additional loan repayment locations through Wafacash branch network across Tunisia.

Scale indicators7 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• Baobab (formerly Microcred): Baobab Group is a pan-African digital microfinance platform serving micro-entrepreneurs across multiple African countries with microcredit and adjacent financial services, directly comparable in mission, customer segment, and digital-first distribution strategy.
• Enda Tamweel: Enda Tamweel is Tunisia's largest microfinance institution and Advans Tunisie's most direct domestic competitor, offering similar microcredit and accompaniment services to micro-entrepreneurs across Tunisia with a comparable multi-channel distribution model.
• Advans Côte d'Ivoire: A sister company within the Advans SA group operating in Côte d'Ivoire, sharing the same group governance, microcredit product philosophy, and shareholder base as Advans Tunisie, making it a structurally identical peer in a different geography.
• Advans Ghana: Sister company in the Advans SA group providing microfinance services in Ghana with shared group governance, risk methodology, and product philosophy, making it a directly comparable peer with different geographic and regulatory exposure.
• Advans Cameroon: Another sister company in the Advans SA network, operating microfinance services to micro-entrepreneurs in Cameroon with the same group-wide methodology, board structure, and reporting lines as Advans Tunisie.
• Advans Nigeria: Sister entity of Advans Tunisie in the Advans SA group, operating microfinance in Nigeria with the same group methodology, product suite, and shareholder governance, providing a useful benchmark for Advans Tunisie's potential scale trajectory.

Broad incumbents

• Equity Bank: Equity Bank is a pan-African financial inclusion leader serving low-income and micro-entrepreneur segments across East and Central Africa, comparable in mission and customer base to Advans Tunisie but operating at materially larger scale as a regulated commercial bank.
• ProCredit Holding: ProCredit is a Europe-rooted development banking group with significant micro and SME lending operations across emerging markets, comparable to Advans Tunisie in serving underbanked entrepreneurs with a development-finance orientation but operating at much larger scale and across multiple countries.
• Kiva: Kiva is a global microfinance crowdfunding platform focused on financial inclusion for unbanked entrepreneurs, thematically comparable to Advans Tunisie's mission of serving underserved micro-entrepreneurs, but operating as a marketplace rather than a direct lender.

Regional players

• Tunisie Leasing & Factoring: A Tunisian-listed financial services firm focused on SME leasing and factoring, comparable to Advans Tunisie in serving small Tunisian businesses with credit products but operating at the higher-ticket SME end rather than the microfinance segment.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@advanstunisie1310?si=GkEq66rEqJ805Iux
• Facebookfacebook.com/advanstunisie
• LinkedInlinkedin.com/company/advans-tunisie
• TikToktiktok.com/@advans.tunisie
• Xx.com/groupadvans

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

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 Advans Tunisie