The NGO Enda Inter-arabe was set up in 1990 and started its activity by supporting ecological and development projects. It introduced microcredit back in 1995 to reach people who were excluded from appropriate financing. In 2015, after serving 500,000 clients, Enda developed and decided to transfer its microcredit activities to Enda Tamweel, the NGO focusing on supporting entrepreneurship.
Over the years, it became a leading microfinance institution in Tunisia and the Arab world. Today, the two entities together have a customized range of products with the aim of contributing to the financial empowerment of marginalized populations, especially women and young people, as well as farmers and livestock farmers.
“Today, 60% of our borrowers are women”, points out Essma Ben Hamida, founder and Chairperson of Enda Inter-arabe and Member of the Board of Directors of Enda Tamweel.
“We believe that women should be given priority as we’ve seen the positive impact that microcredit has on them: they are empowered, they regain power that was taken away from them for centuries, they gain self-confidence and they affirm their leadership”.
She adds: “The first time I sent a woman to the bank to make a repayment, she cried because she wasn’t used to it… Tunisian women had rights, but were economically dependent on men. Microfinance has been an economic liberator for them”.
Enda is intended for people who are excluded from the system and want to break out of the vicious circle of poverty, integrate into the country’s formal economy, and develop their own business.