Enda Tamweel and Hashgraph Launch Hedera Loyalty Program in Tunisia

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• Enda Tamweel and The Hashgraph Association have launched a Hedera-powered loyalty program for microfinance clients in Tunisia.

• The program rewards timely loan repayments and also recognizes positive environmental and social behavior.

Enda Tamweel is bringing distributed ledger technology into Tunisia’s microfinance market, with a new loyalty program built on Hedera.

Hedera moves into microfinance rewards

The Tunisian microfinance institution launched the program with The Hashgraph Association, the Swiss-based nonprofit supporting the Hedera ecosystem. The system integrates with Enda Tamweel’s existing infrastructure through APIs and records key transactions on the Hedera network.

The aim is practical rather than speculative. Clients are rewarded for timely loan repayments, while the model also recognizes social and environmental behaviors. That gives the program a broader role than a standard points scheme.

Enda Tamweel is Tunisia’s market leader, serving more than 544,000 clients and representing 79% of the country’s microfinance market. Across its wider history, the institution says it has supported 1.3 million beneficiaries through 5.6 million loans, with total disbursements of $4.2 billion.

Kamal Youssefi, president of The Hashgraph Association, said the group’s work in Africa and MENA is tied to “a more sustainable, efficient, innovative, and digitally inclusive way” of living. He added that the Hedera-powered solution could be scaled into other verticals across Africa.

Transparency becomes part of the credit relationship

Microfinance remains a key access point for communities outside traditional banking, especially small businesses, women and rural entrepreneurs. In Tunisia, the sector is regulated and growing, but trust and user engagement still matter.

Mohamed Zmandar, chief executive of Enda Tamweel, said the loyalty system is designed to recognize

“not only financially reliable clients, but also those demonstrating strong engagement in social and environmental impact.”

The program also includes a referral feature. Enda Tamweel expects the Hedera-powered solution to attract 120,000 new clients per year, turning loyalty into both a retention tool and a distribution channel.