National Program "CAP EMPLOIS" Supports Business Competitiveness and Job Creation
The national program "CAP EMPLOIS", under the Ministry of Employment and Vocational Training, has introduced a new financing line aimed at supporting business competitiveness, encouraging private initiative, and promoting job creation.
Key Features of the Program
- The program offers credits of up to 200,000 dinars, combining honor loans and bank financing, as well as targeted support for project owners and entrepreneurs.
- The program addresses three main profiles: individuals seeking to create a project, those planning to expand an existing activity, and project owners in need of working capital.
- The program is based on a hybrid system combining honor loans funded by the African Development Bank (BAD) and credits granted by the Tunisian Solidarity Bank (BTS).
Financing Conditions
- Honor loans are interest-free and require no guarantees.
- BTS credits are subject to a 10% interest rate.
- Repayment conditions vary depending on the type of financing:
- 12 years with a 7-year grace period for loans related to project creation or expansion.
- 5 years with a 3-year grace period for working capital loans.
Eligibility Criteria and Selection Process
- To be eligible, candidates must:
- Be Tunisian nationals.
- Be at least 20 years old.
- Be registered with a local employment office.
- Hold a university degree, vocational training, or proof of professional competence.
- The program excludes individuals with a negative credit history. Candidates are encouraged to regularize their credit situation before applying.
- Project selection is based on several criteria, including:
- The quality and clarity of the business plan.
- The project's profitability.
- Its ability to generate employment.
- The consistency between the project owner's profile and the proposed activity.
Special Support for Women Entrepreneurs
- Women project owners will receive a subsidy under the AFAWA initiative (Affirmative Finance Action for Women in Africa).
- The subsidy represents 2% of the project's cost and covers approximately 50% of the costs related to preparing the application dossier.
Registration and Contact Information
- Registration is open exclusively online through the Ministry of Employment's dedicated platform.
- Candidates who have already been notified of their approval do not need to register and will be contacted directly.
- For more information and to register, please visit: https://acces-financement.emploi.gov.tn/
