Taysir Microfinance SA

What Taysir Microfinance SA does

Taysir Microfinance SA is the first microfinance institution licensed in Tunisia (Société Anonyme, licensed 28 March 2014), headquartered in Cité El Khadra, Tunis, and operating 33 branches across all major Tunisian governorates with 104 employees. The company extends microcredit in the 500-40,000 TND range via eight named products — Intilaak, Tanmia, Tawfik, and Tamayouz for income-generating activities, plus A3yedna, 9rayti, Dari, and Dari Plus for living-condition improvements (festive, education, home improvement) — and bundles each loan with a life micro-insurance policy. Disbursement runs through the MobiTasshil co-branded debit card on the e-dinar SMART platform, and repayment is accepted at branches, via mobile, and via the Viamobile cash agent network operating 24/7 across Tunisia.

The business model is interest income on microcredit, augmented by insurance commissions and donor-funded non-financial services. Taysir is 79.189% owned by Groupe Horchani, which has progressively raised its stake from 70% (October 2018) to 79.189% (February 2021), with capital increased to 26,300,000 TND in 2024. The non-profit subsidiary Taysir Conseil delivers coaching, financial education, soft-skills, digital inclusion, and individual training, often co-funded by EU, USAID, AFD, ILO, GIZ, Swisscontact, and UNIDO programs. The customer base skews mission-driven: 71.73% of clients reside in Regional Development Zones, 46.06% of credits go to women, and 51.79% go to youth, with cumulative disbursements of 728,647,679 TND across 130,398 credits.

Name

Taysir Microfinance SA

Legal name

Taysir Microfinance SA

Website

https://taysirmicrofinance.com

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, operating 33 branches nationwide and providing microcredit (500–40,000 TND), bundled life micro-insurance, and digital repayment channels to underserved micro-entrepreneurs, women, and youth in Regional Development Zones.

Ownership category

akta.pro rank

Product category

Microfinance

NAICS

Nondepository Credit Intermediation (5222), Other Nondepository Credit Intermediation (52229)

SIC

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

akta.pro primary industry

Microloans & Working Capital Loans (FSAKAGAA)

akta.pro secondary industries

SBA/Government-Backed & Development Finance Loans (FSAKAGAI), Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM)

Keywords

• Microfinance lending
• Microcredit products
• Financial inclusion
• Microenterprise financing
• Consumer credit services

Headquarters

HQ city

Tunis

HQ country

Tunisia

HQ region

Africa

Offices33 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Microcredit Interest Income: Taysir earns interest income on microcredit loans extended to micro-entrepreneurs. Loans range from 500 TND to 40,000 TND across income-generating and living condition improvement categories, with repayment terms up to 60 months.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels6 records

Core offering

Taysir Microfinance SA provides tiered microcredit loans to Tunisian micro-entrepreneurs and individuals, ranging from 500 TND to 40,000 TND across income-generating projects and living-condition improvements, with repayment terms up to 60 months. Each new credit is bundled with a life micro-insurance policy. The company additionally delivers non-financial services (training, financial education, digital inclusion, and individual coaching) through its subsidiary Taysir Conseil to support borrower success and repayment.

Product overview

Taysir Microfinance SA is a Tunisian microfinance institution ( agréée March 2014) offering a multi-tiered microcredit portfolio alongside micro-insurance and non-financial advisory services. Its microcredit range spans four income-generating products — Intilaak (500–3,000 DT, up to 18 months), Tanmia (3,001–8,000 DT, up to 36 months), Tawfik (8,001–20,000 DT), and Tamayouz (20,001–40,000 DT, up to 60 months) — and four living-condition improvement products — A3yedna (festive financing, 500–1,500 DT), 9rayti (education), Dari (home improvement, no collateral), and Dari Plus (home improvement with collateral). A life micro-insurance policy is bundled with each new credit. Repayment flexibility is provided through three channels: the co-branded MobiTasshil mobile banking card on the e-dinar SMART platform, the Viamobile cash agent network, and in-branch cash payments. The subsidiary Taysir Conseil (non-profit association, created 2013) extends the offering with non-financial services: coaching and advisory, financial education, soft skills development, digital inclusion, and individual training — targeting women and youth in underserved regional development zones.

Differentiator

Problem solved

Functional benefit

Brands

• Taysir Conseil: Non-profit consulting association providing training, accompaniment, and advisory services to micro-entrepreneurs, particularly women and youth in underserved regions of Tunisia.

Products and services

• Intilaak (انطلاق) Microcredit

Quantifiable outcome

• 130,398 total credits granted; 728,647,679 TND total disbursed
• +4 more outcomes

Named customers4 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature2 records

Partnerships

14 partnerships are on record, tiered core and minor.

• OIT (Organisation Internationale du Travail) / ILOcoreStrategic or Co-development Partner · 1 January 2014The International Labour Organization partners with Taysir on multiple projects including AFERE (supporting rural women entrepreneurs), ETOFE, EDJEF, and JEUN'ESS-SIF. ILO provides technical assistance, funding coordination, and program design support for Taysir's social and economic inclusion initiatives.
• CRIF (Conseil Régional Ile de France)minorStrategic or Co-development PartnerThe Regional Council of Ile-de-France supports development projects in Tunisia through partnerships with microfinance institutions like Taysir.
• SILATECHcoreStrategic or Co-development PartnerSilatech is a regional initiative focused on youth employment and entrepreneurship in the Arab world. Partners with Taysir on programs targeting young micro-entrepreneurs in Tunisia.
• La Poste TunisienneminorChannel Partner/ Reseller/ DistributorThe Tunisian Post office network serves as a distribution and service access point supporting Taysir's outreach in areas where bank branches are scarce.
• BH AssuranceminorOthersBH Assurance partnership signed in May 2021 with ILO participation, offering life insurance and savings products to Taysir clients under preferential terms, particularly for AFERE project beneficiaries.
• ADA (Appui au Développement Autonome)minorStrategic or Co-development PartnerADA supports inclusive finance and microfinance development in developing countries, providing technical assistance and program support to Taysir.
• Taysir ConseilcoreImplementation/ SI/ Consulting PartnerTaysir Conseil is the non-profit arm of the Taysir Group, providing non-financial services including training, financial education, accompaniment, and coaching to Taysir microcredit clients and beneficiaries.
• TamweeliminorStrategic or Co-development PartnerTamweeli partnership signed March 2021, facilitating access to Taysir products and services for a broader client base.
• SPARKminorStrategic or Co-development PartnerSPARK signed partnership in April 2021 to support youth entrepreneurship and economic inclusion programs in Tunisia in collaboration with Taysir.
• GIZminorStrategic or Co-development PartnerGIZ (Deutsche Gesellschaft für Internationale Zusammenarbeit) partners with Taysir Conseil to support development projects targeting women and youth in underserved regions of Tunisia.
• CAWTARminorStrategic or Co-development PartnerCAWTAR signed a framework partnership in January 2021 with Taysir Conseil to strengthen rural women's economic participation in Tunisia (Béja and Médenine governorates) under a social innovation project in the agri-food sector.
• SOS KinderdorpenminorStrategic or Co-development PartnerSOS Kinderdorpen partners with Taysir to support vulnerable populations and youth entrepreneurship in Tunisia.
• SwisscontactminorStrategic or Co-development PartnerSwisscontact provides technical assistance and training support to Taysir's non-financial services, particularly for entrepreneurship development programs.
• CarPlusminorStrategic or Co-development PartnerCarPlus partners with Taysir to support financial inclusion and micro-enterprise development programs.

Scale indicators8 records

Recent moves18 records

Expansion highlights6 records

Direct peers

• Advans Banque (Tunisia): Tunisian subsidiary of the Advans international microfinance group, serving micro and small entrepreneurs with credit and related services. Directly competes in the same Tunisian microcredit segment as Taysir.
• Microcred (Tunisia): Previously operated as a microfinance institution in Tunisia serving micro-entrepreneurs with similar products to Taysir; part of the Baobab/Brilliance-evolving microfinance network in North and Sub-Saharan Africa.
• ENDA Tamweel: Tunisia's other major microfinance institution, offering microcredit to micro-entrepreneurs across Tunisia. Most directly comparable to Taysir in terms of product portfolio, regulatory environment, and target customer segments.

Broad incumbents

• Zitouna Bank: Tunisian Islamic bank with a focus on inclusive finance and underserved segments; broader banking institution but with comparable target segments and Islamic finance positioning relevant to Taysir's microcredit base.
• Al Baraka Bank Tunisia: Tunisian Islamic bank offering SME, microfinance, and inclusive finance products. Comparable as a broader incumbent serving similar underserved and small-business segments in Tunisia.
• Amen Bank: Tunisian commercial bank that is also a Taysir financial partner. Comparable as a broader incumbent providing SME and retail credit in Tunisia, useful for benchmarking bank-partner economics.
• ProCredit Bank: Development-oriented bank group operating in emerging markets including the Balkans, Eastern Europe, and Africa with a focus on SME and microentrepreneur lending. Comparable in mission alignment and emerging-market microcredit strategy.
• Baobab (formerly Microcred): Pan-African digital microfinance group serving micro-entrepreneurs across multiple African markets; relevant peer for evaluating Taysir's potential regional expansion and digital transformation path.

Emerging players

• Tala (digital lender): Global digital microcredit lender using mobile data and alternative scoring to underwrite small-ticket loans in emerging markets. Comparable as a forward-looking competitor on digital delivery and underwriting models.
• Branch International: Mobile-first microfinance and digital lending platform operating across Africa and other emerging markets. Comparable as an emerging digital-first microcredit competitor that could pressure Taysir's physical-branch model over time.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/user/TaysirMicrofinance/featured
• Facebookfacebook.com/TaysirMF
• LinkedInlinkedin.com/company/taysir-microfinance-sa

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 SA