{"id":31837,"date":"2015-12-24T10:27:36","date_gmt":"2015-12-24T09:27:36","guid":{"rendered":"http:\/\/kapitalis.com\/tunisie\/?p=31837"},"modified":"2015-12-24T11:14:32","modified_gmt":"2015-12-24T10:14:32","slug":"lendettement-de-la-classe-moyenne-en-hausse-de-261-depuis-2011","status":"publish","type":"post","link":"https:\/\/kapitalis.com\/tunisie\/2015\/12\/24\/lendettement-de-la-classe-moyenne-en-hausse-de-261-depuis-2011\/","title":{"rendered":"Endettement de la classe moyenne: Hausse de 261% depuis 2011"},"content":{"rendered":"<p><img loading=\"lazy\" decoding=\"async\" class=\"alignnone size-full wp-image-4013 aligncenter\" src=\"http:\/\/kapitalis.com\/tunisie\/wp-content\/uploads\/2015\/06\/Marche-central-de-Tunis.jpg\" alt=\"Marche-central-de-Tunis\" width=\"626\" height=\"380\" \/><\/p>\n<p><em><strong>Envol\u00e9e des prix, inflation, ch\u00f4mage, pertes d&#8217;emploi, endettement, appauvrissement, rien n&rsquo;\u00e9pargne la classe moyenne tunisienne.<\/strong> <\/em><br \/>\n<!--more--><\/p>\n<p>Cette frange, qui ne repr\u00e9sente d\u00e9sormais que 67% de la population, contre 80% il y a une d\u00e9cennie, est la premi\u00e8re \u00e0 subir les ondes de choc des changements intervenus dans le pays. Pourtant les disparit\u00e9s sociales et r\u00e9gionales comptaient parmi les facteurs d\u00e9clencheurs de la r\u00e9volution du 14 janvier 2011.<\/p>\n<p>Ainsi, durant les quatre derni\u00e8res ann\u00e9es, l&rsquo;\u00e9rosion du pouvoir d&rsquo;achat du consommateur tunisien est estim\u00e9e \u00e0 40%, selon une enqu\u00eate r\u00e9alis\u00e9e par l&rsquo;Universit\u00e9 de Tunis, soit une baisse moyenne de 10% par an.<\/p>\n<p>Cette d\u00e9gradation s&rsquo;explique, dans une large mesure, par la hausse de l&rsquo;inflation r\u00e9elle \u00e0 4,3%, d&rsquo;apr\u00e8s l&rsquo;Institut national de la statistique (INS).<\/p>\n<p>Une \u00e9tude de l&rsquo;Observatoire de la d\u00e9fense du consommateur et du contribuable montre que 60% ou plus des salari\u00e9s sont d\u00e9sargent\u00e9s \u00e0 partir du 8e \u00a0jour du mois.<\/p>\n<p>Le volume impressionnant des comptes courants d\u00e9biteurs revenant aux m\u00e9nages illustre l&rsquo;ampleur du ph\u00e9nom\u00e8ne. Il est estim\u00e9 \u00e0 8000 MD pour le tiers de ce type de compte.<\/p>\n<p>L&rsquo;endettement des m\u00e9nages, rien qu&rsquo;aupr\u00e8s du syst\u00e8me financier, s&rsquo;est accru \u00e0 partir de 2011 de 261,2% pour atteindre, actuellement, 17.600 MD, dont presque 60% destin\u00e9s \u00e0 la consommation.<\/p>\n<p>L&rsquo;\u00e9conomiste Mourad Hattab souligne l&rsquo;apparition de nouveaux pauvres au sein de la classe moyenne largement compos\u00e9e des fonctionnaires. \u00ab<em>Le ph\u00e9nom\u00e8ne est difficilement quantifiable vu l&rsquo;opacit\u00e9 des donn\u00e9es statistiques<\/em>\u00bb en Tunisie, affirme-t-il.<\/p>\n<p>Ce constat est largement partag\u00e9 par le directeur g\u00e9n\u00e9ral de l&rsquo;Institut national de la consommation (INC), Tarek Beljazia, qui \u00e9voque au d\u00e9but une d\u00e9mocratisation de la consommation en se r\u00e9f\u00e9rant \u00e0 une \u00e9tude sur les changements des modes de consommation r\u00e9alis\u00e9e \u00e0 l&rsquo;institut apr\u00e8s l&rsquo;introduction des grandes surfaces.<\/p>\n<p>Toutefois, le changement de modes de consommation a \u00e9t\u00e9 marqu\u00e9 parall\u00e8lement par \u00ab<em>une d\u00e9rive<\/em>\u00bb au niveau des d\u00e9penses familiales avec l&rsquo;\u00e9mergence de consommateurs \u00ab<em>kamikazes<\/em>\u00bb vivant au-dessus de leurs moyens.<\/p>\n<p style=\"text-align: right;\"><strong>A. B. M.<\/strong> (avec Tap)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Envol\u00e9e des prix, inflation, ch\u00f4mage, pertes d&#8217;emploi, endettement, appauvrissement, rien n&rsquo;\u00e9pargne la classe moyenne tunisienne.<\/p>\n","protected":false},"author":11,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[995,2433],"tags":[126,229,1057,478,2059,740,1192],"class_list":["post-31837","post","type-post","status-publish","format-standard","hentry","category-economie","category-tunisie","tag-banque","tag-consommation","tag-endettement","tag-inflation","tag-pouvoir-dachat","tag-prix","tag-salaires"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Endettement de la classe moyenne: Hausse de 261% depuis 2011 - Kapitalis<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/kapitalis.com\/tunisie\/2015\/12\/24\/lendettement-de-la-classe-moyenne-en-hausse-de-261-depuis-2011\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Endettement de la classe moyenne: Hausse de 261% depuis 2011 - 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