TUNISIA SOUK AT-TANMIA’S THIRD EDITION · the Bank specify that should an operation that exceeds...

AFRICAN DEVELOPMENT BANK GROUP

TUNISIA

SOUK AT-TANMIA’S THIRD EDITION

RDGN/PGCL

March 2018

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1. OBJECTIVE OF THE REQUEST 1.1. The rules and procedures of the Trust Funds for Countries in Transition (TFT) hosted by the Bank specify that should an operation that exceeds USD 1 million be put forward it must be approved by the Board of the Bank. The third edition of the Souk At-tanmia program in Tunisia falls into this category. Hence, the Board’s approval is sought for the third edition of Souk At-tanmia so that the Secretariat of the Partnership Steering Committee, currently hosted by the Bank (The North Africa Regional Development and Business Delivery Office (RDGN)), can transfer the necessary resources in order to cover the cost of the technical assistance services and grants to beneficiaries.

2. BACKGROUND

2.1 Five years after the 2011 revolution and despite a successful political transition, Tunisia still faces major challenges. Unemployment rates are still high, particularly among young graduates and women (31.2% and 23% by December 2015, respectively), and regional disparities persist. The January 2016 protests following the suicide of a young unemployed in Kasserine and the 2 weeks curfew in the region that followed are clear indications of the fragility of the situation. Or, so far, the pace of reform implementation has been slow and the use of public sector recruitment to solve unemployment has created a self-perpetuating cycle by which unemployment continues to rise and the public sector continually expands to contain it. This has actually weakened Tunisia’s macroeconomic fundamentals, leaving the government with less policy space to address this issue.

2.2 Tunisia needs to generate accelerated and inclusive growth that creates equal economic opportunities for all Tunisians. This can only come with strong participation from the private sector. However, Tunisia’s private sector still suffers from several inefficiencies notably a non-conducive business environment and a lack of entrepreneurship culture. This has resulted in a low level of private investment, enterprise creation and slow pace of growth and job creation. Indeed, the average number of enterprises created annually over the last 5 years per mil inhabitants is only 0.9 in Tunisia compared to 3.5 in Algeria, 1.1 in Morocco and 4 to 8 companies in OECD countries. One of the main challenges that enterprises and entrepreneurs face is the fragmentation of the support value chain. Notably, a 2013 infodev (World Bank affiliated entity) mapping concludes that “Ideally, there should be a continuous chain of entrepreneur support services from the idea stage through to the early growth stage. In Tunisia, this chain of entrepreneur support services is fragmented, and several “links” in the chain are weak”. Notably, the situation worsened after the revolution, causing a downgrade of the country from the 45th position in 2011 to the 77th position (out of 189 countries) in 2017 on the Doing business ranking published by the World Bank. Obviously, these weaknesses in the value chain are more acute in underserved regions and for undeserved groups such as youth and women. 2.3 The difficult access to the financial system remains one of the major obstacle to inclusive growth development in Tunisia, particularly for the vulnerable sections of the population who either lack funds to start-up activities or the personal contribution or guarantees required by banks and financial institutions before raising the funds necessary for mounting any productive project. By overcoming this challenge of access to financing, coupled with comprehensive non-financial support, the Souk At tanmia Partnership will help to render a large swath of the population,

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especially youths and the underprivileged, autonomous. By supporting the creation of micro-small- and medium-sized enterprises (MSMEs) nationwide, it will contribute to build the momentum for inclusive growth by generating productive employment, while helping to reduce social and regional disparities. 2.4 Souk At-tanmia has a distinctive position in the Tunisian ecosystem given its two unique features. First, it offers non-financial support to beneficiaries (training, coaching, mentoring and access to market) in addition to financial assistance (in the form of grants from the partnership and additional debt funding from 2 partner local banks). This differentiates it from most entities and programs available in Tunisia, which offer coaching, mentoring or financial support only. Second, Souk At-tanmia is a Partnership that leverages on the comparative advantages and network of different public and private national and international entities. As such the initiative allows it to deliver a strong and comprehensive support and to maximize the impact and visibility of its interventions. Notably, Souk At-tanmia is the largest mobilization of partners in Tunisia, gathering 20 international and national entitiesselected based on their area of expertise and leadership position in their respective fields. 2.5 Through a third edition of the program, the Partnership will continue to i) promote a demonstration effect to address major unemployment challenges ii) consolidate the development impact of the program; iii) foster the role of the Partnership in the ecosystem as a quality label to improve access to finance.

Box 1: Organisational Structure of the Souk At tanmia Partnership In terms of organizational and governance structure, Souk At-tanmia functions as a Partnership governed by a Partnership agreement that was signed by each partner. In addition, each partner signed a contribution letter that clearly describes its contribution to an ongoing edition of the Partnership (financial and/or in-kind). Contributions were negotiated by the Secretariat and reflect the expertise, comparative advantage and area of interest of partners. A steering committee comprising representatives from all partners is responsible for oversight of all activities performed by the Partnership; namely approval of the Partnership work program, strategic orientations and key decisions related to selection of beneficiaries, changes in the Partnership composition and resource management. The daily operations of Souk, involving the coordination of the work of 20 partners with different agendas and requirements and dealing with thousands of entrepreneurs in addition to key stakeholders in the ecosystem, is handled by a Secretariat hosted at the North Africa regional department of the African Development Bank. During the pilot edition, the Secretariat comprised a coordinator, a communication officer, a private sector development specialist and 2 M&E officers handling portfolio supervision, monitoring and evaluation activities.1 Note that contributions from main financiers of the initiative were channeled through the Trust Fund for countries in transition (TFT trust fund) and used in part to pay for the operating cost of the Secretariat and in other part to cover the cost of providing grants to beneficiaries. Because Souk did not have a legal entity, financial resources were transferred from the TFT into a Souk account that was domiciled at BFPME, a partner bank dedicated to SME financing in Tunisia. The latter was responsible for the disbursement of grants to beneficiaries once approved by the Partnership. This activity was performed by BFPME, a financial intermediary and partner for the Souk At-tanmia Partnership.

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3. THE PREVIOUS EDITIONS

3.1. A pilot edition of Souk At-tanmia was launched in July 2012 after the Boards approved the initiative and successfully implemented before it closed in December 2013. The pilot edition mobilized about USD 1.2 million1 and was open to different types of beneficiaries: NGOs, existing businesses and individual entrepreneurs. It also had a multi-sector focus. The cost of eligible projects ranged between TND 10,000 and TND 180,000 (as of July 2012, 1 TND=0.62 USD) while individual grant size was allowed to range between TND 10 000 and TND 30 000. Beneficiaries were not required to have a minimum level of contribution during this edition and most of them ended up asking for the maximum (i.e. TND 30,000). Grants extended by Souk At-tanmia sought to cover either the total value or part of the personal contribution of entrepreneurs in the project (equity). Entrepreneurs who needed additional debt funding were encouraged to apply for a loan from partner financial institutions, namely BFPME and BTS.2 Beneficiaries also received non-financial support in the form of a 3-day training, tailored mentoring and coaching activities (1 year) throughout the implementation process of the pilot edition. Coaching and mentoring was done on a voluntary basis by most Partners with notable exceptions such as UNIDO which hired professional ones. 3.2 In view of the positive results achieved during the pilot edition, the steering committee of the Partnership decided to launch a second edition of Souk At-tanmia on April, 30th, 2014. President Kaberuka represented the Bank at the opening ceremony in addition to high-level personalities such as the American and British ambassadors in Tunisia and the Tunisian minister of economy and finance. The design of this second edition was performed by the Secretariat in consultation with partners to reflect lessons learnt from the pilot edition as well as international best practices (see Box 1 for a description of main changes in the second edition). Among notable changes in the second edition is the use of dedicated programs under the Partnership to support business creation and extension as the pilot edition showed that a one size fits all approach is not optimal to serve these 2 types of beneficiaries. Over USD 3 million were mobilized from several partners. The second edition supported about 100 beneficiaries by offering strengthened non-financial services compared to the pilot edition.

1In addition to AfDB which was the initiating partner, the pilot edition included Banque de Financement des Petites et Moyennes Entreprises (BFPME), Banque Tunisienne de Solidarité (BTS), the British Council, Chambre des Jeunes Dirigeants (CJD), Confédération des Entreprises Citoyennes de Tunisie CONECT (employer union), the Danish government, The UK Department for International Development (DFID), the Government of the United States of America, the Mediterranean School of Business (MSB), Microsoft Tunisia, Talan Tunisia, Total Tunisia, TOUENSA (Network of CSOs), Tunisiana, and five (5) UN Agencies (UNIDO, IOM, UNDP, ILO, FAO). Partners of the second edition include Banque de Financement des Petites et Moyennes Entreprises (BFPME), Banque Tunisienne de Solidarité (BTS), the British Council, Chambre des Jeunes Dirigeants (CJD), Confédération des Entreprises Citoyennes de Tunisie (CONECT) (employer union), the Danish government, Education for Employment (EFE)the UK Department for International Development (DFID), the Government of the United States of America, the Mediterranean School of Business (MSB), Microsoft Tunisia, Talan Tunisia, UNIDO, IOM, UNDP, Tunis Place de marché (TPM), and Atuge (network of diaspora and local graduates from prestigious international schools).

2 Beneficiaries were also free to apply for loans with other financial institutions

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3.3 Through its two editions (July 2012 and April 2014), Souk has proved extremely efficient to achieve its objectives. Main outcomes are summarized in Table 1. Table 1: Main achievements of Souk At-tanmia

Note: 1 TND=0.5 USD as of May 19th, 2016.

3See final evaluation report http://www.soukattanmia.org/uploads/document/final-report-of-the-final-evaluation-of-the-pilote-edition.pdf 4 Detailed outcomes about reduced bureaucracy and application processing time are detailed in the internal evaluation of Souk second edition which is available from the Partnership upon request.

Pilot Edition Second Edition Number of beneficiary projects

61 projects 100 projects

Access to finance and leverage effect

x Grants disbursed: USD 0.89 million x Total resources mobilized: USD 2 million. x Multiplier effect (w.r.t grants) : 2.24

x Grant to be disbursed: USD 1.8 million x Total resources mobilized (including grants)

USD 6 million x Multiplier effect (w.r.t grants) : 3.3

Development impact

x 54% of beneficiary projects initiated by youth

x 64% of beneficiary located in most economically disadvantaged regions of Tunisia;

x 33% by female entrepreneurs x 34% by unemployed x 530 jobs created

x 66% of beneficiary projects initiated by youth x 50% of beneficiary are located in most

economically disadvantaged regions of Tunisia;

x 36% by female entrepreneurs x 50% by unemployed x 800 potential jobs to be created

Strengthened capacity of Tunisian entrepreneurs and businesses

Capacity building: 3-day entrepreneurship training focusing on BP development and basic business management for 300 entrepreneurs

Coaching and mentoring: 12 months coaching and mentoring period for 100 projects

Capacity building: 60 hours “Build Your Business” training for 250 entrepreneurs Coaching and mentoring: x 19 months coaching period (9 months were

dedicated for fundraising 6 to 12 months mentoring period.

Improved entrepreneurship culture in Tunisia and youth economic empowerment

Participation in 8 events about promoting employment, entrepreneurship and youth economic empowerment in Tunisia3

x Launching of an innovative conference cycle and Organization of 7 conferences about entrepreneurship challenges followed by thematic workshops. 850 persons mobilized.

x Participation in 17 events to promote entrepreneurship culture.

Reduced bureaucracy effects4

x Reduced from 128 days to 86 days processing time to access a government fund providing support to entrepreneurs.

x Reduced by an average of 45% the application process length for different financial institutions.

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3.4 The above achievements helped Souk At-tanmia to continuously secure the support of its original donors (UK, US and Denmark). To consolidate the efforts and the development impacts of the program the three (3) donors have scaled up their combined contribution for the launch of a third edition (C.f Table 2). It is important to note that during this third edition key resources are being deployed to setup and develop an online platform that will enhance the efficiency and delivery of the program. This platform could also be used to support the scale-up and replication of the program in different countries in the North Africa region in a first step and throughout the continent in a second step. Table 2: Donors Contributions

Souk 1 Souk 2 Souk 3

UK 300,000 GBP 400,000 GBP 2,000,000 GBP US 400,000 USD 700,000 USD 1,200,000 USD Denmark 1,750,000 DKK 11,000,000 DKK 300,000 EUR* UNDP 25,510 USD 10,000 USD IOM 10,000 USD 10,000 USD 10,000 USD FAO 10,000 USD ILO 34,000 USD UNIDO 55,000 USD

* The amount of Euros 300,000 is resulting from the Souk second edition savings to support the implementation of Souk third edition as a counterpart for the Danish contribution to Souk 3

4. THE THIRD EDITION 4.1. In view of the positive results achieved during the previous editions, the steering committee of the Partnership decided to launch a third edition of Souk At-tanmia on March, 10th, 2016. The Director General Mohamed el Azizi represented the Bank at the opening ceremony in addition to high-level personalities such as the American and British ambassadors in Tunisia and the Tunisian minister of employment. The design of this third edition was performed by the Secretariat of the Partnership Steering Committee and improved based on the different feedbacks and finding from the mid-term evaluation for the 2nd edition. For instance the feedbacks received about the BYB have been used to negotiate with the providers’ partner to redesign the program curriculum to have it tailored to the needs of the Business Plan preparation by the candidates. 4.2 To improve the efficiency and delivery of the program, the following actions are carried out for the third edition: i) the different steps of the selection process have been reviewed and new evaluation tools have been introduced such as the entrepreneurship test and the business model canvas; ii) The selection and technical assistance will focus on a sector approach, and paid experts with key expertise in each sector will be hired to provide specific and targeted feed-backs to preselected candidates; iii) Ideation camps will be organized to foster creative thinking on how to come up with business opportunities, that leverage on the comparative advantage of the entrepreneurs regions; iv) the coaching services have been restructured to take into account the specific needs of the projects specific sectors and intensive kick-start workshops will be organized to optimize the timeline for the business plans finalization.

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4.3 Approximately USD 4 million were mobilized from several partners (excluding in-kind contributions) as follows:

• The Ministry of Foreign Affairs of Denmark: EUR 300,0000 (eq. 248,229 $) • The Department for International Development (DFID): GBP 2,000,000 (eq. USD

2,440,000), • The US State Department: USD 1,200,000, • The United Nations Development Program (UNDP): $10,000, • The International Organization for Migrations (IOM): USD 10,000.

4.4 Contributions from the US State Department, UNDP and IOM were ring fenced to grant funding and directly channeled to a partnership’s account hosted at BFPME, which serve to fund grants to beneficiaries. Conversely, contributions received from DFID and Denmark were channeled through the Trust Fund for countries in transition (TFT trust fund) hosted by the Bank and are used to cover the operational implementation of the third edition (secretariat staffing, communication activities, reporting, etc.,) and technical assistance to beneficiaries, equivalent of EUR 1,989,082) as well as grant funding (equivalent of EUR 648,916) through transfers to the partnership account hosted at BFPME. The selection process for this third edition was finalized and grant disbursement will start in May 2018. The timeline and key milestones of the third edition are detailed in Table 2. The objective for this edition is to support a larger number of beneficiaries, about 110, compared to previous editions (respectively 61 and 100). For this third edition, Souk At-tanmia received over 4,423 applications, of which about 1,890 fully completed applications were evaluated. The selection process is about to be finalized and grant disbursement should start by Q2 2018. 4.5 The disbursement process, the financial management and the legal arrangement for the Third Edition are similar to the previous editions. Therefore and based on the same organizational structure of the Partnership and in accordance with the Partnership agreement signed in 2012 and revised on 7th July 2017: (i) the financial intermediary for the partnership, namely the Banque de Financement des Petites et Moyennes Entreprises (BFPME), will still receive direct financing from partners and funding through the TFT to provide grants to beneficiaries and also enter into grant agreements with each beneficiary; and (ii) the Bank as a partner hosting the Secretariat of the Partnership Steering Committee, will handle the operational implementation of the Partnership and the technical assistance to beneficiaries through the TFT.

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Table 3: Key milestones of the third edition

Project Start and End Date: Activity/Milestones Timeframe Launching of call for proposals 10th March, 2017 Deadline for the reception of first round application forms 31st March , 2017 Deadline for 2nd round of selection for the shortlisted 250 projects 28th April 2017 Capacity building program for the 250 shortlisted projects 12th Mai – 11th June, 2017 Deadline for 3rd round of selection for the shortlisted 175 projects 6th July 2017 Start of the coaching phase 31st July 2017 Start of the grants disbursement phase to the projects May 2018 End of the coaching phase August 2018 Start of the mentoring and projects post creation monitoring Phase. September 2018 End of the Program December 2019

5. CONCLUSION AND RECOMMENDATIONS

5.1. Despite its small size, the Souk At-tanmia’s Partnership delivered very positive results in terms of jobs and support to disadvantaged groups, and raised the Bank visibility in Tunisia. 5.2. The rules and procedures of the Trust Funds for Countries in Transition (TFT), hosted by the Bank, specify that should an operation that exceeds USD 1 million be put forward it must be approved by the Board of the Bank. The third edition of the Souk At-tanmia falls into this category.

5.3. Therefore, the Boards of Directors are requested to approve from the resources of the TFT the financing of projects supported by this third edition of Souk At-tanmia of EUR 2.6 million.

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ANNEX 1: LIST OF 178 FINALISTS PROJECTS FOR SOUK AT TANMIA’S THIRD EDITION

Project governorate Sector Country Gender Age Project description Project

total cost Souk grant

Personal contribution

Potential for job

creation

1 Sidi Bouzid Handicraft Tunisia Female 33 Production unit for articles made from olive wood 70 000 35 000 35 000 Between

11 and 30

2 Monastir Handicraft Tunisia Male 26

Manufacture of natural cosmetics (creams, soaps, lotions, serums) based on medicinal and aromatic plants and fresh fruits

70 000 35 000 35 000 Between 6 and 10

3 Gabès Agriculture

and agri-business

Tunisia Female 28 Organic composting unit based on organic and biodynamic tomato waste

53 000 26 500 26 500 Between 6 and 10

4 Tunis ICT Tunisia Male 28

Digitalization of financial services / Development of solutions for the financial sector (banks and insurance companies)

145 000 50 000 95 000 More than 30

5 Kasserine Handicraft Tunisia Male 25

Manufacture and sale of leather goods and sandals with a contemporary design inspired by Tunisian handicraft

60 000 30 000 30 000 Between 11 and 30

6 Sidi Bouzid Manufacture and industry Tunisia Male 35 Manufacture of ornamental

ironwork 83 000 35 000 48 000 Between 6 and 10

7 Sfax Manufacture and industry Tunisia Male 30 Manufacturing of chiller for

parts during machining 150 000 50 000 7 500 Between 11 and 30

II

8 Sidi Bouzid Agriculture

and agri-business

Tunisia Male 42 Genetic improvement of the productivity of local goats in the region of Sidi Bouzid

160 000 50 000 110 000 Between 11 and 30

9 Medenine Agriculture

and agri-business

Tunisia Male 33 Mixed goat farming 140 000 49 000 91 000 Between 6 and 10

10 Ariana Other services Tunisia Female 30 Dog parc 120 000 42 000 6 000 Between

11 and 30


and agri-business

Tunisia Female 31

Laboratory of water analysis (salinity, pH, suspended material, nitrite content, Escherichia coli, intestinal enterococci, ...) and soil (conductivity, organic matter content, gypsum content, sulphate content, active limestone, ...)

108 000 37 800 5 400 Between 6 and 10

12 Ariana Other services Tunisia Female 35

Workshop for the production of educational equipment and materials for early childhood.

70 000 35 000 3 500 More than 30

13 Sidi Bouzid Other services Tunisia Male 30 Provision of charging

stations 143 000 50 000 93 000 Between 6 and 10

14 Tunis Education Tunisia Female 38 English Language Learning Center for New Technologies and the Arts

115 000 40 250 5 750 Between 11 and 30

15 Gafsa Manufacture and industry Tunisia Male 30 Extraction of essential oils 120 000 42 000 78 000 Between

11 and 30

16 Gafsa Manufacture and industry Tunisia Female 33

Production unit for biodegradable plastic packaging

150 000 50 000 7 500 Between 11 and 30

III

17 Ben Arous ICT Tunisia Male 33

Service to parents allowing them to control the activity of their children (1 to 6 years) on all the screens of the house (TV, tablet, mobile, ...)

100 000 35 000 65 000 Between 6 and 10

18 Gafsa Agriculture

and agri-business

Tunisia Male 27

Manufacturing unit for dates various products : powder, sirop, jam and paste

550 000 50 000 27 500 More than 30

19 Bizerte Manufacture and industry Tunisia Male 41

Manufacture of smart decorative home lighting products (home automation)

75 000 35 000 40 000 Between 1 and 5

20 Gabès Other services Tunisia Male 29

Provision of ultralight motorized airplane (ULM) to customers for agriculture or tourism

288 000 50 000 14 400 More than 30

21 Nabeul Agriculture

and agri-business

Tunisia Female 31 Production of organic marmelade 52 000 26 000 2 600 Between

11 and 30

22 Gabès Other services Tunisia Female 33 Vocational Training Center

and Coworking Space 115 000 40 250 74 750 Between 11 and 30

23 Mahdia Renewable

energies and recycling

Tunisia Female 34

Recycling used tires for the production of powdered and granulated rubber, steel fiber and textile fiber for various industries

650 000 50 000 32 500 Between 11 and 30


and agri-business

Tunisia Female 29 Extraction of chitin and chitosan through crustaceans

149 000 50 000 7 450 Between 6 and 10

IV

25 Zaghouan Agriculture

and agri-business

Tunisia Male 35 Beekeeping: Production and valorization of bee products

55 000 27 500 2 750 Between 6 and 10

26 Béja Agriculture

and agri-business

Tunisia Male 31 Production and sale of Pleurote mushrooms 149 000 50 000 99 000 Between 6

and 10

27 Nabeul ICT Tunisia Male 24

Intermediate (and wholesale) platform for fish products for the benefit of professional customers

142 000 49 700 92 300 Between 6 and 10

28 Jendouba Renewable


Tunisia Male 27

Plastic recycling unit that collects plastic waste, grinds it and sells it to plastic injection plants

95 000 35 000 4 750 Between 11 and 30


and agri-business

Tunisia Male 37

Apiculture: Production and development of bee products and beekeeping services (honey, training, ...)

149 000 50 000 7 450 More than 30

30 Kairouan Manufacture and industry Tunisia Male 35 Manufacturing unit for

cellular concrete 367 000 50 000 18 350 Between 6 and 10


and agri-business

Tunisia Female 28 Hydroponic culture of lettuce 83 000 35 000 48 000 Between

11 and 30

32 Kairouan Manufacture and industry Tunisia Female 26

Manufacture and marketing of melanine products (does not contain Bisphenol A (BPA)), tableware and accessories

132 000 46 200 6 600 Between 6 and 10

V

33 Sousse Manufacture and industry Tunisia Male 27

Manufacture of intelligent eco-energetic electronic systems

80 000 35 000 4 000 Between 11 and 30

34 Sousse ICT Tunisia Male 26 Manufacture of robots for didactic use for the needs of clubs and associations

75 000 35 000 40 000 Between 11 and 30

35 Jendouba ICT Tunisia Male 27

Design and implementation of Geographical Information Systems (GIS): Providing geolocation, design and modeling services to establish functional links helping to better manage the network, property or heritage

102 000 35 700 5 100 Between 11 and 30

36 Medenine ICT Tunisia Male 34

Design and implementation of Geographical Information Systems (GIS): Provision of detection services by measuring instruments for any underground network using Georadar, detector, scanner, GPS.

140 000 49 000 7 000 Between 6 and 10

37 Ariana Renewable


Tunisia Male 32 Audit and energy analysis platform 356 000 50 000 17 800 More than

30

38 Kairouan Manufacture and industry Tunisia Male 31 Production unit of 3D

decorative panels 377 000 50 000 18 850 More than 30


and agri-business

Tunisia Female 32 Extraction of the oil from dates' kernels 150 000 50 000 7 500 Between

11 and 30

VI

40 Ariana Other services Tunisia Male 29

Laboratory of Analysis in Civil Engineering: Mechanical Testing of Building Materials and Soils

192 000 50 000 9 600 Between 6 and 10

41 Sidi Bouzid Manufacture and industry Tunisia Female 35 Manufacture of clothing

through subcontracting 260 000 50 000 13 000 More than 30

42 Siliana Manufacture and industry Tunisia Female 28 Production unit of house

articles made out of linen 310 000 50 000 15 500 Between 11 and 30


and agri-business

Tunisia Female 37 Agricultural and Environmental analysis laboratory

100 000 35 000 65 000 Between 6 and 10

44 Nabeul Handicraft Tunisia Female 33

Extraction of essential oils from WFP collected from rural women in order to create a fair trade mark "Fairtrade".

148 000 50 000 7 400 More than 30


and agri-business

Tunisia Male 30 Bagging of agri-food products 147 000 50 000 7 350 Between 6

and 10

46 Siliana Renewable


Tunisia Male 32 Manufacturing unit for solar parabolic concentrators (CSP)

224 000 50 000 11 200 Between 6 and 10

47 Bizerte Agriculture

and agri-business

Tunisia Male 29 Breeding bait for fishing 75 000 35 000 40 000 More than 30

48 Gabès Manufacture and industry Tunisia Male 33

Production of a new generation of easy-to-install building blocks

39 000 19 500 1 950 Between 1 and 5

49 Sfax Manufacture and industry Tunisia Male 27 Development unit of mini

machines for construction 149 000 50 000 7 450 Between 11 and 30

VII

50 Sousse ICT Tunisia Male 28

Computer engineering services company (SSII or ESN) operating mainly in the Swiss and German market

85 000 35 000 50 000 More than 30


and agri-business

Tunisia Female 25

Collection unit, pasteurization and packaging of fresh camel milk

89 000 35 000 4 450 Between 6 and 10


and agri-business

Tunisia Male 31 Land preparation, harvesting and plant protection

210 000 50 000 10 500 More than 30

53 Kef Other services Tunisia Male 26

Consulting firm for geophysical studies in 1,2 or 3D

171 000 50 000 8 550 Between 11 and 30

54 Jendouba Services related to tourism

Tunisia Female 46 Cottage 338 000 50 000 16 900 Between 6 and 10

55 Sousse Agriculture

and agri-business

Tunisia Male 30 Packaged dried fruit production 37 000 18 500 1 850 Between

11 and 30


and agri-business

Tunisia Female 32 Production of Pet food 150 000 50 000 7 500 Between 11 and 30


and agri-business

Tunisia Female 31 Production of ice cream and fruit sorbet 130 000 45 500 84 500 Between

11 and 30

58 Kasserine Agriculture

and agri-business

Tunisia Male 35 Extraction of prickly pear oil, drying of pulps and production seed flour

160 000 50 000 8 000 More than 30

VIII

59 Gabès Other services Tunisia Female 33 Digital printing 117 000 40 950 5 850 Between 1

and 5


and agri-business

Tunisia Male 35 Concentrated feed production unit for livestock

406 000 50 000 20 300 More than 30

61 Tunis Manufacture and industry Tunisia Male 29

Tricycle Manufacturing / Frame manufacturing and assembly

600 000 50 000 30 000 Between 6 and 10

62 Jendouba Agriculture

and agri-business

Tunisia Female 26 Valuation of Carob in the form of flour and powder 89 000 35 000 4 450 Between

11 and 30

63 Sidi Bouzid Renewable


Tunisia Male 40

Plastic recycling unit that collects plastic waste, grinds it and sells it to plastic injection plants

153 000 50 000 103 000 Between 11 and 30


and agri-business

Tunisia Male 34 Drying fruits and vegetables 150 000 50 000 7 500 More than

30

65 Zaghouan Services related to tourism

Tunisia Male 41 Bed and breakfast hotel 477 000 50 000 23 850 Between 6 and 10

66 Kasserine Manufacture and industry Tunisia Male 47

Valorization of marble waste (Production of pavers, curbs, rubble stones and building stones made of marbled stones)

330 000 50 000 16 500 Between 11 and 30

67 Medenine Other services Tunisia Male 37 Production of plaster

coating 151 000 50 000 7 550 Between 6 and 10

IX

68 Kef Manufacture and industry Tunisia Male 33

Unit for the production of smart furniture in kit and wood with CNC tools

100 000 35 000 5 000 Between 6 and 10


and agri-business

Tunisia Male 32 Production of organic mycorrhizal fertilizer 200 000 50 000 10 000 Between

11 and 30


and agri-business

Tunisia Female 41 Automatic agricultural services 70 000 35 000 35 000 Between 6

and 10


and agri-business

Tunisia Female 24 Breeding snails 65 000 32 500 3 250 Between 11 and 30

72 Jendouba Services related to tourism

Tunisia Female 27 Enterprise offering multi-activity ecotourism services 250 000 50 000 12 500 More than

30

73 Tataouine Agriculture

and agri-business

Tunisia Female 27 Handmade unit of compost production 95 000 35 000 4 750 Between 6

and 10

74 Sousse Education Tunisia Male 34 Inition center for robotics and innovation 52 000 26 000 26 000 Between

11 and 30

75 Zaghouan Manufacture and industry Tunisia Female 34

Production of furniture, cladding and decorative items (indoor and outdoor) in "fiber-reinforced concrete (BHP)" and "lightweight concrete"

324 000 50 000 16 200 Between 11 and 30

76 Tunis Agriculture

and agri-business

Tunisia Female 22 Production of carob pulp for spread 460 000 50 000 23 000 Between

11 and 30

X

77 Kairouan Renewable


Tunisia Female 37 Production of recycled paper (mainly egg trays) 150 000 50 000 7 500 Between

11 and 30

78 Tunis ICT Tunisia Female 36 Solution de Gestion de projets de Test 280 000 50 000 14 000 Between

11 and 30


and agri-business

Tunisia Female 31 Beekeeping: Production and valorization of bee products

55 000 27 500 27 500 Between 1 and 5


and agri-business

Tunisia Female 31 Industrial production of healthy biscuits 150 000 50 000 7 500 Between 6

and 10


and agri-business

Tunisia Female 30 Nursery of aromatic and medicinal plants and capers 145 000 50 000 7 250 Between

11 and 30

82 Tataouine Manufacture and industry Tunisia Male 29 Manufacturing of plastic

pipe PE/PEHD 197 000 50 000 9 850 Between 6 and 10

83 Béja Handicraft Tunisia Female 44

Collection and valorization of wool (transformation into articles of clothing and household linen)

34 000 17 000 1 700 More than 30

84 Jendouba Other services Tunisia Male 28

Equestrian center, in the North-West area, offering courses, hikes and accommodation with an equestrian activity of breeding, sales and participation in competitions

150 000 50 000 100 000 Between 11 and 30

XI

85 Bizerte Manufacture and industry Tunisia Male 30

Production and installation of metal cladding of facades and other walls (stamped wall panel ready to install)

600 000 50 000 30 000 More than 30


and agri-business

Tunisia Female 36 Pastry specializing in the production of date syrup products

141 000 49 350 7 050 Between 6 and 10

87 Sidi Bouzid Other services Tunisia Male 33

Fast auto service station (maintenance, washing, emptying, changing tires ...)

116 000 40 600 5 800 Between 6 and 10


Digital performance monitoring solution with services and consulting for digital strategy

139 000 48 650 6 950 Between 11 and 30

89 Kasserine Renewable


Tunisia Male 30

Workshop for the production of decoration products made out of used tires

33 000 16 500 1 650 Between 11 and 30

90 Ben Arous Manufacture and industry Tunisia Male 22 Design, manufacturing and

sale of 3D printers 100 000 35 000 5 000 More than 30


and agri-business

Tunisia Female 33 Nile Tilapia Breeding 150 000 50 000 7 500 More than

30

92 Tunis ICT Tunisia Female 27

Manufacture of temperature sensors, humidity, lighting and movement that will be integrated in handicrafts made by disabled people

181 000 50 000 131 000 More than 30

93 Tataouine Other services Tunisia Female 31 Entertainment center for

children and family 71 000 35 000 36 000 Between 6 and 10

XII

94 Manouba ICT Tunisia Female 35

Graphic production and printing unit for all kinds of printed communication material "big and small"

150 000 50 000 7 500 More than 30

95 Zaghouan Renewable


Tunisia Male 30 Consulting services to save energy (BtoB and BtoC) 120 000 42 000 6 000 Between 6

and 10

96 Monastir Agriculture

and agri-business

Tunisia Female 34 Extraction of bioactive components through spirulina and CO2

149 000 50 000 7 450 Between 6 and 10

97 Tataouine Other services Tunisia Male 35 Exploitation of a soccer

field 341 000 50 000 17 050 Between 1 and 5


and agri-business

Tunisia Female 32 Culture of azolla for animal feed 230 000 50 000 11 500 Between

11 and 30

99 Gafsa Other services Tunisia Male 24

Automotive repair and maintenance workshop offering customers the possibility of lightening their budgets by renting a specific tooled location and benefit from the control of a licensed mechanic

273 000 50 000 13 650 Between 11 and 30

100 Sfax Manufacture and industry Tunisia Male 26 Manufacture of paper or

cardboard articles 149 000 50 000 7 450 Between 1 and 5

101 Ben Arous Agriculture

and agri-business

Tunisia Male 29 Apiculture: Artificial insemination of bee queens 250 000 50 000 12 500 Between 6

and 10

102 Tunis ICT Tunisia Male 36 Manufacture of wireless micromodules for connected homes

450 000 50 000 22 500 Between 11 and 30

XIII

103 Ariana Handicraft Tunisia Female 33

Manufacturing workshop for luxury leather goods for the local and export markets

142 000 49 700 7 100 Between 11 and 30


and agri-business

Tunisia Male 55 Beekeeping: Production and valorization of bee products

75 000 35 000 40 000 More than 30

105 Tataouine Manufacture and industry Tunisia Female 33 Sewing workshop -

Production of quilts 38 000 19 000 19 000 Between 6 and 10

106 Bizerte Other services Tunisia Female 27 Distribution of tickets for

advertising 100 000 35 000 65 000 Between 6 and 10

107 Kasserine Manufacture and industry Tunisia Female 39 Manufacture of cardboard

cups 65 000 32 500 3 250 Between 6 and 10


and agri-business

Tunisia Female 47 Valorization of products made out of orange grove 100 000 35 000 5 000 Between 6

and 10


and agri-business

Tunisia Female 34 Production of dried tomatoes for export 143 000 50 000 7 150 Between 6

and 10

110 Nabeul Other services Tunisia Male 32 Auto Repair and

Maintenance Services 300 000 50 000 15 000 Between 11 and 30

111 Sidi Bouzid Manufacture and industry Tunisia Male 32 Manufacturing unit for

biodegradable plastic bags 200 000 50 000 10 000 Between 11 and 30


Marki: mobile application for site monitoring and management of "anomalies"

160 000 50 000 8 000 Between 11 and 30


and agri-business

Tunisia Female 23

Packaging unit of aromatic and medicinal plants to offer a full range of herbal teas

26 000 13 000 1 300 More than 30

XIV


and agri-business

Tunisia Female 35

Production of probiotic bacteria, which will be used as a food additive, intended for animal feed more specifically for farmed fish

600 000 50 000 30 000 Between 11 and 30

115 Kébili Renewable


Tunisia Male 42 Up-cycling unit for tires (innovative way to recycle tires)

120 000 42 000 6 000 Between 6 and 10


and agri-business

Tunisia Male 36 Production of dried tomatoes for export 144 000 50 000 7 200 More than

30

117 Tunis ICT Tunisia Female 31

Mobile platform for linking, referencing and online booking of sports and well-being activities

70 000 35 000 35 000 Between 6 and 10

118 Sousse Education Tunisia Male 30

Online platform offering training material and assistance to entrepreneurs exclusively via a MOOC platform

85 000 35 000 4 250 Between 6 and 10


and agri-business

Tunisia Male 28 Cultivation of edible mushroom 210 000 50 000 10 500 Between

11 and 30

120 Siliana Agriculture

and agri-business

Tunisia Male 37 Culture and extraction of aloe vera 130 000 45 500 84 500 Between

11 and 30

121 Medenine Other services Tunisia Female 43 Space for art and

entertainment 118 000 41 300 76 700 Between 6 and 10

XV

122 Kef ICT Tunisia Male 36

Development and commercialization of a SaS solution for recruitment management

150 000 50 000 100 000 Between 11 and 30


and agri-business

Tunisia Female 31 Vinegar production unit (made from apples and prickly pears)

146 000 50 000 7 300 Between 11 and 30

124 Siliana ICT Tunisia Female 33

E-commerce platform for the sale of modern high-end handicrafts products for the Scandinavian market

580 000 50 000 29 000 More than 30

125 Kasserine Manufacture and industry Tunisia Female 26 Manufacture of plastic

ropes of different diameters 148 000 50 000 7 400 Between 11 and 30

126 Tozeur Agriculture

and agri-business

Tunisia Female 33 Production of vinaigre made out of dates 98 000 35 000 4 900 Between 6

and 10


and agri-business

Tunisia Female 42 Production of fresh pasta 40 000 20 000 2 000 Between 11 and 30

128 Sfax Agriculture

and agri-business

Tunisia Male 23 Quail breeding unit 140 000 49 000 7 000 More than 30

129 Gabès Handicraft Tunisia Male 29 Tapestry workshop 45 000 22 500 22 500 Between 6 and 10

130 Medenine Handicraft Tunisia Male 30 Engraving unit for any support 64 000 32 000 3 200 Between 6

and 10

131 Kébili Renewable


Tunisia Male 25 Charcoal production from palm waste 134 000 46 900 6 700 More than

30

XVI

132 Kébili Agriculture

and agri-business

Tunisia Male 25 Artisanal coffee-making unit based on date kernels 75 000 35 000 3 750 More than

30


and agri-business

Tunisia Female 29 Jelly Candy Production Unit 80 000 35 000 4 000 More than

30

134 Mahdia Agriculture

and agri-business

Tunisia Female 22 Handmade unit for production of jam and fruit juice

113 000 39 550 5 650 Between 6 and 10

135 Kairouan Manufacture and industry Tunisia Male 28

Construction, maintenance and rehabilitation of metal structures (manufacture of tanks, tanks and containers)

145 000 50 000 7 250 Between 11 and 30

136 Zaghouan Renewable


Tunisia Male 40 Aluminized cardboard recycling (Tetrapack) to produce hardboard

187 000 50 000 9 350 Between 11 and 30

137 Medenine Manufacture and industry Tunisia Male 25

Manufacturing unit of colored powder pigment, "ecological" bricks and powdered iron sulphate

145 000 50 000 7 250 Between 11 and 30

138 Kairouan Agriculture

and agri-business

Tunisia Female 22

Vegetable coagulant production unit based on cardoon flowers (ferment for cheese)

140 000 49 000 7 000 Between 11 and 30

139 Kairouan Agriculture

and agri-business

Tunisia Male 38 Collection of snail slime 70 000 35 000 35 000 Between 11 and 30

140 Monastir Manufacture and industry Tunisia Male 23

Manufacture of articles made out of luminous fabric

80 000 35 000 4 000 Between 6 and 10

XVII

141 Medenine Handicraft Tunisia Male 30 Manufacture of tableware made out of ceramic 142 000 49 700 7 100 Between

11 and 30

142 Tozeur Manufacture and industry Tunisia Male 59 Manufacture of different

products with palm wood 150 000 50 000 7 500 Between 11 and 30

143 Gafsa Other services Tunisia Male 30 Multidisciplinary gym 320 000 50 000 16 000 Between

11 and 30

144 Medenine Other services Tunisia Female 29 Dancing school 83 000 35 000 4 150 Between 1

and 5


and agri-business

Tunisia Male 41

Hydro-compost manufacturing unit (association between a hydro-retenter that is potassium polyacrylate and a compost from organic waste)

146 000 50 000 7 300 Between 1 and 5

146 Sidi Bouzid Renewable


Tunisia Female 25 Solid waste collection unit (plastic, cardboard, glass, steel and iron)

98 000 35 000 63 000 Between 11 and 30

147 Tunis ICT Tunisia Male 29 ERP / web development, IoT 70 000 35 000 35 000 More than

30

148 Mahdia Renewable


Tunisia Male 33

Aluminum foundry: recycling of aluminum and production of a sheet of ordinary aluminum and food

650 000 50 000 32 500 Between 6 and 10


and agri-business

Tunisia Female 28 Beekeeping: Extraction of bee venom 150 000 50 000 7 500 Between 6

and 10

150 Bizerte Renewable


Tunisia Female 39 Collection and transformation of textile waste

165 000 50 000 8 250 Between 11 and 30

XVIII

151 Tataouine Other services Tunisia Female 26

Spa offering different types of treatments with water at different temperatures

575 000 50 000 28 750 More than 30


and agri-business

Tunisia Female 25 Pastry 78 000 35 000 43 000 Between 6 and 10

153 Medenine Manufacture and industry Tunisia Male 29

Manufacturing unit for plastic products (cups, spoons, plates, ...)

106 000 37 100 5 300 Between 11 and 30

154 Tunis Other services Tunisia Female 35

Leisure center oriented to accommodate disabled children

200 000 50 000 10 000 Between 11 and 30


and agri-business

Tunisia Female 40 Cultivation of cut and edible flowers 107 000 37 450 69 550 More than

30

156 Tataouine Manufacture and industry Tunisia Male 24 Unit for manufacturing

compressed earth blocks 140 000 49 000 7 000 More than 30

157 Kairouan Handicraft Tunisia Female 52 Weaving workshop 135 000 47 250 6 750 Between 6 and 10

158 Sfax Agriculture

and agri-business

Tunisia Male 26 Compost production unit from green olive waste as well as from poultry

75 000 35 000 40 000 Between 11 and 30

159 Kairouan Other services Tunisia Male 29 Car care and maintenance

services 150 000 50 000 7 500 Between 11 and 30

160 Monastir Manufacture and industry Tunisia Female 24 Women's clothing

manufacturing 65 000 32 500 3 250 More than 30

161 Manouba ICT Tunisia Male 33 Web platform gathering building and housing professionals

70 000 35 000 3 500 Between 6 and 10

XIX

162 Tozeur Agriculture

and agri-business

Tunisia Male 31 Jojoba culture 126 000 44 100 6 300 Between 11 and 30

163 Nabeul Manufacture and industry Tunisia Male 37

Manufacture and installation of magnetic softeners

150 000 50 000 7 500 Between 6 and 10

164 Tozeur Manufacture and industry Tunisia Female 36

Industrial unit for the production of mosquito nets for the protection of date regimes against pests and bad weather in the palm groves of southern Tunisia

150 000 50 000 7 500 More than 30


and agri-business

Tunisia Male 26 Processing, freezing and packaging unit for seafood 107 000 37 450 5 350 Between

11 and 30

166 Béja Other services Tunisia Male 24 Multidisciplinary gym 76 000 35 000 41 000 Between 1

and 5

167 Sousse Manufacture and industry Tunisia Female 32 Manufacture of paper

packaging 143 000 50 000 93 000 More than 30

168 Ariana Handicraft Tunisia Female 32

Training center specialized in handicraft jobs : workshops for adults and children and specialized coworking space

36 000 18 000 1 800 Between 6 and 10

169 Nabeul Manufacture and industry Tunisia Male 32

Design, assembly and marketing of mopeds and electric scooters.

400 000 50 000 20 000 Between 11 and 30

170 Gabès Education Tunisia Male 31 Training center 73 000 35 000 3 650 Between 11 and 30

171 Kébili Other services Tunisia Female 33 Cultural entertainment

center 75 000 35 000 3 750 Between 6 and 10

XX

172 Kasserine ICT Tunisia Male 28

Web & mobile platform for marketing and ads dedicated to the transport sector

118 000 41 300 5 900 Between 6 and 10

173 Tunis Other services Tunisia Male 37 Warehouse & Distribution

Platform 135 000 47 250 87 750 Between 11 and 30

174 Béja Renewable


Tunisia Male 28

Manufacture of small panels and photovoltaic systems from Photovoltaic cell waste

120 000 42 000 6 000 Between 6 and 10

175 Béja Manufacture and industry Tunisia Male 42 Crushed ice production unit 80 000 35 000 45 000 Between

11 and 30

176 Medenine Services related to tourism

Tunisia Female 36 ECOLODGE bed and breakfast hotel 650 000 50 000 32 500 Between

11 and 30

177 Sidi Bouzid Manufacture and industry Tunisia Female 36 Production of plastic cans,

for food and non-food use 165 000 50 000 8 250 Between 11 and 30


and agri-business

Tunisia Female 42 Culture of the Moringa plant 150 000 50 000 7 500 Between

11 and 30

TUNISIA SOUK AT-TANMIA’S THIRD EDITION · the Bank specify that should an operation that exceeds...

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