eng Science and Education Publishing Journal of Behavioural Economics, Finance, Entrepreneurship, Accounting and Transport 2376-1334 2015-03-05 3 1 39 46 10.12691/jbe-3-1-5 JBE2015315 article Mohamed Hadji BELGAROUI belgarouihadji@yahoo.fr 1 Imen ELLILI BELGAROUI 1 Faculty of Economics and Management of Sfax, Aerodrome Road, km. 4-3018-BP.1088 Tunisia Micro-projects are almost excluded from the funding programs offered by the Tunisian banking sector. This is partly due to the weakness of the amounts requested and, mainly, to the absence of collateral. In a bid to satisfy these small enterprises need for financing, a new financing specialized institution, was created in 1997, namely, the Tunisian Solidarity Bank (BTS). In this respects, the present paper attempts to provide a thorough examination and study of the state of financing needs and employability in Tunisia before and after the BTS establishment. http://pubs.sciepub.com/jbe/3/1/5/jbe-3-1-5.pdf microcredit microenterprise microfinance poverty unemployment