المشاريع الصناعية تمثل 68% من جملة المشاريع الممولة من طرف بنك تمويل المشاريع الصغرى والمتوسطة

Industrial projects topped the list of projects financed by the Small and Medium Enterprises Financing Bank with a rate of 68 percent, according to what Hamdi Qusayah, director of Briefing, Diagnostics and Development at the bank, confirmed.

Qusayah said in a statement to “Watt”, that the volume of investments of projects financed by the Bank for Financing Small and Medium Enterprises in the industrial field amounted, from its inception until the end of March 2022, to a value of 964 million dinars, which contributed to the creation of 1,129 projects that enabled the creation of more than 23 thousand. place of work.

The food industries sector came in second place with 21 percent with a volume of investments exceeding 300 million dinars, while the agricultural sector attracted only 6 percent with investments that did not exceed 61 million dinars.

In the same period mentioned above, the Small and Medium Enterprises Finance Bank approved 1,656 projects with an investment cost of 1,266 million dinars, which enabled the creation of more than 30,000 jobs, according to Qusayah.

With regard to regional distribution, the same source noted that the southwestern province (Gafsa, Tozeur and Kebili) received the lowest percentage of projects approved by the bank, at 7.5 percent, with an investment volume that did not exceed 74 million dinars.

On the other hand, the Greater Tunis region (Ariana, Tunis, Ben Arous and Manouba) accounted for the largest share of the approved projects, with more than 24 percent and investments of nearly 210 million dinars, followed by the North-Eastern region (Zaghouan, Nabeul and Bizerte), with 14 percent and investments exceeding 211 million dinars.

Qusayah, on the other hand, spoke about the most important problems facing the implementation of projects that the Small and Medium Enterprises Finance Bank contributes to financing, perhaps the most important of which is the failure to complete the project within the expected deadlines, due to the complexity of the administrative procedures to obtain the necessary licenses to establish the project and the clear deterioration of the management qualifications of young entrepreneurs. This is due to their lack of business experience and the lack of entrepreneurial culture.

The spokesman added that the bank records a weakness in the qualifications and technical, administrative and marketing experience necessary to reach the launch of the project and the inability of many of the emitters to complete the financing structure to avoid banks financing new developments due to the high degree of risks and the inability of these institutions to provide traditional guarantees.

The Director of Briefing, Diagnostics and Development at the Small and Medium Enterprises Financing Bank suggested several solutions to overcome these problems, including urging the regional authorities to further coordinate between the structures involved in the attribution of licenses and the support structures in the launch of projects in order to stimulate a pattern of achievements and solve the problems that may hinder the establishment of institutions in their time.

He also called for the creation of a unified specialized structure to make it more efficient in the field of promoting private investment and the creation of small and medium enterprises, as well as contributing to the capital in the event that the motive was unable to complete the capital structure, provided that transparency is ensured in its attribution and the ability to pay it is assured.

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