The Tunisian Microfinance Supervisory Authority (ACM) has published its microfinance barometer, for the month of December 2022.
As of September 30, 2022, the sector had 508,587 active clients with MFIs SA for a portfolio of approximately TND 1,549.1 million.
The number of active clients of MFIs SA and their outstandings recorded two respective annual growth rates of 8.09% and 11.46% between the end of the first nine months of 2021 and 2022.
The amount of the average outstanding amount per active customer recorded an increase of 3.11% during the same period, going from 2,954 TND to 3,046 TND.
The disbursements of MFIs SA reached 1192.4 million TND during the first nine months of the year 2022 against 1148.9 million TND during the same period of the year 2021, thus recording an increase of 3.79% .
The amount of the average microcredit of MFI SA recorded an annual growth rate of 0.84%, going from 3,692 TND to 3,723 TND between September 2021 and September 2022.
The number of active credits of IMF SA increased from 509,131 credits as of September 30, 2021 to 550,971 credits as of September 30, 2022, recording an annual growth rate of 8.22%.
The amount of the average outstanding amount per active loan recorded an increase of 3% during the same period, going from 2,730 TND to 2,812 TND.
The number of people who were able to obtain for the first time in their life financing granted to them by an MFI SA, rose during the third quarter of 2022 to 15,399, compared to 13,033 and 12,455 people. respectively during the same period of the years 2020 and 2021.
The percentage of people having been able to access a first financing in their life and which was granted to them by an MFI SA, compared to the total number of customers financed by these same institutions, was established during the third quarter of the year 2022 to 13.2%, compared to 12.7% and 11.7% respectively during the same period of the years 2020 and 2021.
ANALYSIS OF THE CROSS-INDEBTEDNESS OF MFI SA CLIENTS
As of September 30, 2022, the number of cross-customers IMFSA – (IMFSA – Bank or Leasing company) amounted to 139,135 customers (without duplicates), i.e. 27.36% of IMF SA customers. This population has an outstanding amount with MFIs SA of 630.2 million TND while its PAR 30 amounted to 5.01%.
The number of cross-customers (IMFSA- [IMFSA -Banques ou Sociétés de leasing]) recorded an increase of 18.48%, from 117,430 customers on 09-30-2021 to 139,135 customers on 09-30-2022. This population is made up of cross-customers without duplicates (IMF SA – IMF SA) and (IMF SABanks, etc.).
The number of cross-customers (IMF SA – IMF SA) increased by 10.19%, from 17,813 customers at the end of the 3rd quarter of 2021 to 19,629 customers at the end of the same period of the year. year 2022. This population represents as of 30-09-2022, 3.86% of all active clients of MFIs SA and has an outstanding amount of around 193.8 million TND, i.e. 12.51% of outstanding total of MFIs SA.
The number of cross-customers IMF SA – Banks stood at 30-09-2022 at 126,283 customers against 105,303 customers a year earlier. The outstanding amount of this population amounted on 30-09-2022 to approximately 2,153 million TND and 515.3 million TND respectively with banks and IMF SA.
Between September 2021 and September 2022, the average outstanding amount per cross-customer (IMF SA – IMF SA) and that per cross-customer (IMF SA – Banks) at IMF SA, respectively recorded an increase of 2.07% and 1. 39%, from 9,673 TND and 4,025 TND on 09-30-2021 to 9,873 TND and 4,081 TND on 09-30-2022.
At the end of the first nine months of 2022, the crossed population (IMFSA- [IMFSA – Banques ou Sociétés de leasing]) represents 27.36% of all active clients of IMF SA. These customers hold 40.68% of the outstandings of MFI SA against 38.08% a year earlier.
Among SA MFIs, the quality of the portfolio of these cross-clients deteriorated slightly, increasing by 33 basis points. Indeed, the PAR30 of this population fell from 4.68% on September 30, 2021 to 5.01% at the end of the same month of 2022.
As of 09-30-2022, the PAR 30 of cross-clients (IMF SA- IMF SA) and (IMF SA – Banks and/or leasing companies, etc.) stood at 4.06% and 5.24% respectively.
