Working towards inclusive, sustainable and resilient microfinance that supports equitable development in our country.
Our ESG Vision
Our ESG Approach
Microcred SA integrates ESG criteria throughout the financing approval process to support sustainable activities, preserve resources and protect our clients from over-indebtedness.
Each financing facility thus becomes a driver of economic and social impact.
Microcred, an Institution Committed to Sustainable Development
Microcred, committed to sustainable and responsible impact
At Microcred, we place social, economic and environmental impact at the heart of our mission. As a microfinance institution, we promote financial inclusion and support entrepreneurs in developing activities that create value, jobs and lasting prosperity.
Our commitment to sustainable development is reflected in concrete actions aimed at:
- Supporting the transition to a more sustainable and inclusive economy;
- Supporting impact-driven projects in the green, blue, circular and solidarity economies;
- Raising our clients’ awareness of good social and environmental practices;
- Integrating ESG (Environmental, Social and Governance) principles into our activities and decisions.
Through this approach, Microcred helps foster responsible growth that benefits people, communities and the environment.
Our Economic and Social Impact in 2025
Whether you are a farmer, trader, service provider, craftsperson, startup founder or individual.
+
28 000
entrepreneurs supported across various sectors
215
Million
in financing for impact-driven projects
+
7614
young entrepreneurs supported
+
10932
women supported
48
Million
in financing for green projects
Putting Impact at the Heart of Our Strategy
- By supporting our clients in their transition to a sustainable economy,
- By raising awareness of social and environmental considerations,
- By supporting projects in the green, blue and circular economies, as well as fair and solidarity-based trade,
- By integrating ESG principles into our operations, identifying links between business opportunities and social and environmental impact.
“A structured ESG approach based on recognised international standards and aligned with the Sustainable Development Goals and global best practices”
Responsible and Committed Governance…
Microcred actively promotes sustainable development through inclusive governance that fosters fairness, diversity and equal opportunities, particularly for women and men.
Guided by a clear strategic vision, our institution directs its activities towards projects with a strong social and environmental impact, with particular emphasis on:
- Financial inclusion for marginalised populations,
- Economic empowerment of women and young people in rural areas,
- Support for sustainable activities in agriculture and the green and circular economies,
- Encouraging local and responsible entrepreneurship.
The institution has an ESG Committee responsible for overseeing social projects in line with its ESG procedures. Chaired by Executive Management, it brings together key stakeholders, including members of the CCE (Employee Consultative Committee) and the CSST (Occupational Health and Safety Committee), to fulfil its mission, reporting directly to the Management Committee.
Microcred also benefits from an inclusive network of partnerships involving responsible partners who share the same commitment to sustainable development principles.
Our ESG commitment is at the heart of our mission: to promote inclusive, sustainable and resilient microfinance that supports equitable development in our country.
Broader Access to Financial Services
The “Economic and Financial Inclusion” component is central to Microcred SA and lies at the very heart of our social mission. Our vision and strategic commitment are reflected in our economic and social inclusion activities, with specific objectives to reduce financial exclusion and align with the Sustainable Development Goals (particularly SDGs 1, 5, 8 and 10). Microcred SA aims to meet its clients’ needs ethically and responsibly through appropriate financial and non-financial services, in order to increase our positive impact and support more environmentally friendly projects.
A Structured and Sustainable Strategy
As part of our business development strategy, which seeks to strengthen financial inclusion and ensure the long-term sustainability of our institution, Microcred SA works to:
- Expand its branch network to be closer to existing and prospective clients,
- Ensure the continuity and financial strength of our model,
- Provide quality services with optimised response times.
What Our Clients Say
Every piece of feedback helps us improve our products and services every day.
“Mbarka Mbarki, founder of Oasissia, winner of the Microcred Agribusiness Award. Named Tunisia’s Woman Entrepreneur of 2024”
Mbarka Mbarki
“Syrine Kharroubi, founder of Couleur Farine de Carthage, winner of the Empowerment Award at the Tunisia Women Entrepreneurs Awards sponsored by Microcred ”
Syrine Kh
“Mariem Athimni, founder of the Layma brand, winner of the Inclusivity Award at the Tunisia Women Entrepreneurs Awards sponsored by Microcred ”
Mariem Athimni
Receives international recognition from MicroRate for Institutional Financial Strength (β+) and Social Impact (★★★★)
