Document of The World Bank FOR OFFICIAL USE ONLY Report No. 16778 IMPLEMENTATION COMPLETION REPORT REPUBLIC OF TUNISIA FIFTH URBAN PROJECT (Loan No. 3064-TUN) June 23, 1997 Private Sector, Finance and Infrastructure Division Maghreb and Iran Department Regional Office for the Middle East and North Africa This document has a restricted distribution and may be used by recipients only in the performance of their official duties. Its contents may not otherwise be disclosed without World Bank authorization. EXCHANGE RATES 1 Tunisian dinar (TD) (1989) = $1.07 1 U.S. dollar (1989) = TD 0.94 1 Tunisian dinar (TD) (1996) = $1.04 1 U.S. dollar (1996) = TD 0.99 FISCAL YEAR January 1 - December 31 WEIGHTS AND MEASURES Metric system ACRONYMS AND ABBREVIATIONS AFH Land Development Agency ARRU Urban Rehabilitation and Renewal Agency BCT Central Bank of Tunisia BDU Urban Data Bank BH Housing Bank CNEL National Housing and Savings Fund CNET National Tunisian Savings Fund CNRPS Social Security and Retirement Fund CNSS National Social Security Fund CPF Land Registration CPSCL Local Communities Support Fund DGATU Regional and Urban Planning Department FNAH National Housing Improvement Fund FOPROLOS Workers' Housing Fund IFC International Finance Corporation MEAT Ministry of Environment and Regional Planning MEH Ministry of Infrastructure and lhousing MPF Ministry of Planning and Finance ONAS National Sewerage Authority OTC Office of Topography and Cartography SAL Structural Adjustment Loan SNIT National Real Estate Corporation SPROLS Public Housing Company UNDP United Nations Development Program USAID United States Agency for International Development Vice President Mr. Kemal Dervi~ Director Mr. Daniel Ritchie Division Chief Mr. Anir Al-Khafaji Responsible Staff Ms. Maryse Gautier, Municipal Engineer Mr. Denis Chaput, Financial Sector Specialist FOR OFFICIAL USE ONLY Table of Contents Pages Preface Evaluation Sum m ary ............................................ . i PART I. PROJECT IMPLEMENTATION ASSESSMENT ............................................1..I Housing Sector Background ............................................ 1 A. Project Objectives ..2 B. Achievement of Project Objectives ..5 C. Implementation Record and Major Factors Affecting the Project ..6 D. Project Sustainability ..9 E. Bank Performance ..9 F. Borrower Performance ..10 G. Assessment of Outcome .. I H. Future Activities ..12 1. Key Lessons Learned ..13 PART II. STATISTICAL ANNEXES Table 1: Summary of Assessment .16 Table 2: Related Bank Loans/Credits .17 Table 3: Project Timetable 18 Table 4: Loan/Credit Disbursements: Cumulative Estimated and Actual 18 Table 5: Key Project Implementation Indicators 19 Table 5A: BH's Financial Performance Ratios and Comments .20 Table 6: Kev Project Performance Indicators 22 Table 7: Studies Included in the Project .23 Table 8A: Project Costs .24 Table 8B: Project Financing .25 Table 9: Status of General Project Conditions .26 Table 10: Compliance with the Bank's Manual of Procedures .28 Table 11: Bank Resources: Staff Inputs .28 Table 12: Bank Resources: Missions .29 APPENDIX Borrower's Contribution to the ICR This document has a restricted distribution and may be used by recipients only in the performance of their official duties. Its contents may not otherwise be disclosed without World Bank authorization. IMPLEMENTATION COMPLETION REPORT REPUBLIC OF TUNISIA FIFTH URBAN PROJECT (Loan No. 3064-TUN) Preface This is the implementation completion report for the Fifth Urban Project for which the Government of the Republic of Tunisia received a loan in the amount of US$58 million equivalent, signed on June 30, 1989. The loan took effect on January 23, 1990, and was closed on December 31, 1996, after the initial closing date of June 30, 1995 was extended. The last disbursement was made in May 1997 and the undisbursed balance of $56,000 was cancelled. USAID participated in the project financing with a contribution of US$15 million. This report was prepared by Aoufa Ezzine, a consultant, and Denis Chaput (MN1PI) and was revised and supplemented by Maryse Gautier (MNlP1). It was reviewed by Amir Al-Khafaji, Division Chief (MNIP1), and by Rene Costa, Project Adviser (MN1DR). It was drafted for the most part on the basis of information contained in the project documents and gathered during a field mission. The Borrower has contributed to preparation of the report by submitting its own project assessment, which is attached as an annex. IMPLEMENTATION COMPLETION REPORT REPUBLIC OF TUNISIA FIFTH URBAN PROJECT Loan No. 3064-TUN EVALUATION SUMMARY Introduction i. Tunisia is a relatively urbanized developing country, since 61 percent of its population of 8.7 million lives in urban areas (1994 values). The urban growth rate during the last 10 years averaged 3.7 percent a year, with the population increasing at the rate of 2.3 percent'. This rapid increase in the urban growth rate is reflected in a consistently high demand for infrastructure, serviced plots, and new housing, and in the need for capital to finance them. ii. The project deals with several critical problems linked to development of the housing sector in general and to housing finance more specifically. It comes at an opportune time, since the Government has decided to make changes to allow the private sector to play a greater role in the supply of low-cost housing (i.e., priced under TD 30,000, the equivalent of US$32,000). Project Objectives iii. The purpose of the project was to facilitate implementation of the new housing policy adopted by the Tunisian Government in July 1988. The project was designed essentially to: (a) increase the supply of affordable housing by simplifying the allocation of resources to low-income households, by mobilizing domestic savings and facilitating the conversion in April 1989 of the National Housing and Savings Fund (Caisse nationale d'epargne-logement or CNEL) into a housing bank (BH) with the legal status of a private bank, and by granting a line of credit to this institution, which would be restructured to focus on housing programs geared to low-income families; (b) increase participation by the private sector in developing sites, building housing, and performing the topographic work involved; (c) simplify the regulatory system governing land development and housing construction; and (d) begin modernizing the land management information system by simplifying land registration and management procedures. Project Implementation and Outcome iv. Achievement of project objectives has been generally satisfactory: Recent population growth has, however, slowed substantially; the figures for 1993 and 1994 are, respectively, 1.84 and 1.70 percent. . Housing finance conditions, the primary objective of the project, have changed considerably in Tunisia, as a result of the new opportunities offered by the loan, and the newly established BH has adapted to its new role; * The assistance given in the areas of urban and regional planning was made possible largely as a result of the 18-month extension of the closing date, * The objectives pertaining to improvement of the land information system, however, were not achieved. v. The proceeds of the project, namely $58 million, were 99 percent (US$57.9m) disbursed, a figure that included US$54.58 million allocated to the BH line of credit. This facility also benefited from carryover of the land records component funding that was canceled in 1995. Funds were disbursed at a very rapid pace during the early years of the project, but the rate slowed starting in 1995, with the termination of technical assistance, while the line of credit was mainly disbursed. Implementation Record and Major Factors Affecting the Project vi. The BH line of credit, 92 percent of which was used up two years after it was made available, allowed the completion of 15,000 housing units and the upgrading of 2,200 units, open to low- and middle-income families, and increased private sector participation in the housing and land market. At the same time, the BH improved its management capacity by modifying its accounting and computer systems. The Ministry of Infrastructure and Housing and the Ministry of Environment and Regional Planning, created during project implementation, have made effective use of the available resources in developing urban planning, housing, and regional planning strategies. vii. However, because of a failure to make the appropriate decisions and a lack of coordination among the authorities concerned-Ministry of Justice, land registries, and Office of Topography and Cartography-no substantial progress was made with the land information system, a subject that had been under discussion since the early 1980s. Project Sustainability viii. Project sustainability is partially assured by the importance of the housing finance reforms in place, and also by the other projects in the process of being implemented or under discussion. More sustainable results would nevertheless be achieved with deeper strengthening of BH management and an opening of housing finance to commercial banks. As far as strategies are concerned, sustainability will depend on follow-up activities performed by the ministries acting as contracting authorities. Important legislative amendments to city planning texts have already brought about permanent changes. However, there is still progress to be achieved in land management, but decisions must first be made so that the pitfalls that occurred during this project can be avoided. - iii - Bank and Borrower Performance ix. The Bank was notably flexible in adapting to basic changes that occurred during the preparation and implementation stages. Perhaps, however, it was too flexible on land issues, when greater rigor on institutional organization during the preparation phase might have prevented what was ultimately a failure. x. The Borrower's performance was satisfactory on the whole. Essential project operations were carried out effectively. The weaknesses observed stemmed from: (a) management shortcomings on the part of the BH, although this problem brought out the fact that project financial control had been very effective in doing what was expected of it; and (b) failure to make the appropriate decisions that would have advanced one of the project components. Lessons Learned xi. The main lessons have to do with the need to pursue housing finance reform in Tunisia-by diversifying the financial products available on the market and by facilitating financing for other banks to prevent a de facto monopoly by BH. The lessons taught by the failure with the land management component should convince decisionmakers that any new reform in the sector needs to be preceded by some key decisions, such as appointment of a sole responsible official with access to adequate resources. IMPLEMENTATION COMPLETION REPORT REPUBLIC OF TUNISIA FIFTH URBAN PROJECT (Loan No. 3064-TUN) PART I PROJECT IMPLEMENTATION ASSESSMENT BY THE BANK Housing Sector Background 1. - The housing sector has made impressive progress since independence. From 1975 to 1980, the rate of growth in housing outpaced the population growth rate. Despite a population increase of 3.7 percent in urban areas since 1975, the housing market has managed to respond satisfactorily to increased demand, from both a quantitative and qualitative standpoint. The housing stock grew by about 5 percent a year, with 40,000 to 50,000 units added every year throughout the 1980s. The housing occupancy rate in Tunisia went from 5.6 inhabitants in 1977 to 5.3 in 1986, so the number of units today is close to the number of households. This development was achieved in spite of major problems in the issuance of property titles and a substantial reduction in the supply of serviced plots of land. The private sector was responsible for producing 70 percent of the housing, including regulated and unregulated construction. 2. Policies implemented by the Tunisian Government over the past 20 years have improved the institutional system in place. A number of public agencies have been established under the Ministry of Infrastructure and Housing: SNIT (National Real Estate Corporation) for home construction, ARRU (Urban Rehabilitation and Renewal Agency) for renovation of urban areas, and AFH (Land Development Agency) for site development. CNEL, the former Housing and Savings Fund, has been reorganized as the Housing Bank (BH). 3. However, at the end of the 1980s the sector encountered a growing number of problems. The type of housing offered by the private sector, whether for individual transactions or public housing programs, became increasingly expensive and so no longer met the demands of many households. In addition, available credit terms in the housing finance system left out the middle- and low-income households. 4. Previous urban projects: Four previous projects were developed with the Bank's assistance. The first and second, for $18 million and $19 million respectively, focused on urban planning and urban transportation in Tunis and Sfax. The third and fourth projects tackled the institutional restructuring of AFH and ARRU. Under the fourth project specifically, subsidiary loans were offered to public and private developers to provide and build on serviced lots. The present project and the municipal development project now -2- being implemented deal more with financial institutions, while the latter also focuses on building up the Local Communities Support Fund (CPSCL). These projects have helped the Bank to acquire a broad view of the issues involved in the urban sector and more partially in the housing sector in Tunisia. 5. Preparation for this project began as a result of two requests presented by the Tunisian Government: the first concerned assessment of the extent of housing demand, with a view to drawing up a five-year sector plan; and the second concerned the improvement of land information. Its preparation came after some twelve years of continuous talks on the urban sector between the Government and the World Bank, plus four earlier projects and as many sectoral studies, and was part of the new housing policy announced by the Tunisian Government in July 1988. The main features of this new policy were: (a) an increase in the supply of building lots, to be achieved by providing incentives for the private sector and redirecting the focus of the public land development agency toward low-income households; (b) an increase in available funds, to be achieved by reorganizing the housing savings system; and, (c) revision of outdated construction and infrastructure procedures and of urban planning regulations. In March 1989, Parliament passed a law creating a new Housing Bank (BH), which was established on April 28, 1989. A. Project Objectives 6. The purpose of the project was to facilitate implementation of the new housing policy adopted by the Tunisian Government in July 1988. The project was designed essentially to accomplish the following: (a) increase the supply of affordable housing by simplifying allocation of the resources for low-income households by mobilizing domestic savings, facilitating the conversion of the National Housing and Savings Fund into a housing bank, and granting a line of credit to that institution, which would be restructured to gear its operations to housing programs for low-income families; (b) increase involvement of the private sector in site development, housing construction, and topographical work; (c) simplify the regulatory system governing land development and housing construction; and (d) begin modernizing the land information management system by simplifying procedures for the registration and conveyancing of property. 7. The project had three components: housing finance, technical assistance, and management of information on land. Housing Finance 8. This component was the key element of the project, and followed the conversion of CNEL into a housing bank, which took place in April 1989. Included were training and technical assistance programs required to accomplish this, and a US$51 million line of credit to the new institution to fund loans for subprojects for the following purposes: (a) Production of low and moderate-cost serviced lots by developers; -3- (b) Construction of low and moderate-cost housing by developers; (c) Purchase of new low and moderate-cost housing by individuals; (d) Construction of low and moderate-cost housing by individuals; (e) Expansion and rehabilitation of housing by individuals. Technical Assistance 9. This component focused on capacity building throughout the Ministry of Infrastructure and Housing (iEH) and its agencies, so that MEH could implement and ensure- supervision of the new housing policy adopted by the Government in July 1988. This included new land development and housing construction regulations and reorganization of two parastatal entities: the National Real Estate Corporation (SNIT) and the Land Development Agency (AFH). The objective was to help the Government pull out of the housing production sector, thereby benefiting private sector operators, and to center Government attention on policy formulation and monitoring, to ensure that the regulations and procedures in effect are enforceable and are being enforced. 10. More specifically, this institutional support targeted capacity building within 2VIEH, BH, AFH, and SNIT, as follows: (a) MEH: (i) Studies on legislation and regulations applicable to urban and land planning, and development and implementation of a program to simplify these laws and regulations; (ii) Studies on the rental market; (iii) Implementation of a program to improve urban development management structures, to consist of: (a) a study on restructuring programming and coordination processes; (b) introduction of a regional planning information system; (c) design of a master plan for development of the Greater Tunis Area; (d) a preparatory study on information systems to facilitate the management of urban development; and (e) introduction of a pilot system for metropolitan Tunis; (iv) Supply of equipment and documentation; (v) Provision of a training program for MEH staff. -4- (b) BH: (i) Technical assistance with introduction of new type of internal organization, based chiefly on: (a) adoption and administration of new savings instruments; (b) creation of a marketing division, and (c) building up of its evaluation capacity; (ii) Development and adoption of a management information system; (iii) Development and implementation of a personnel training program; (iv) Procurement of computer hardware/software. - (c) AFH and SNIT: Finalization and adoption of performance contracts incorporating the following provisions: (i) Preparation and implementation of training programs for AFH and SNIT staff, (ii) Development and adoption of an information and management system, by the AFH and SNIT; (iii) Supply of materials, equipment, and computer hardware/software. Management of Land Information 11. This component consisted of immediate and medium-term steps to put in place a cartographic and land documentation system designed to meet the needs of users involved in land development or improvement projects (central government, local governments, property agencies, public service concession holders, and public and private developers). 12. While cartographic documentation was to be built up and expanded through map development, land registration efforts were to consist of (a) Implementation of a program to improve property registration in Tunisia, bring land records up to date, and provide equipment and documentation; (b) Action to increase the capacity of the Topography and Cartography Office (OTC) to gather cartographic and topographic data, prepare cadastral maps, and supply regional OTC offices with equipment and documents, (c) Drafting and application of an OTC performance contract. -5- Project Organization 13. NEH was initially the agency made primarily responsible for implementing the technical assistance components of the project, with the exception of that focused on the BH, and for managing the property information system. The BH was responsible for implementing the housing financing component and for building up its own institutional capacity. When the Ministry of Environment and Regional Planning (MEAT) was established during project implementation, some of MEH's institutional capacity building responsibilities (specifically, those relating to land management) were transferred to MEAT: (a) study of ways to reorganize the programming and coordination processes; (b) introduction of an information system for regional land use planning; and (c) preparation of a master development plan for the Greater Tunis Area. B. Achievement of Project Objectives 14. For the most part, the project met its objectives for the housing finance and institutional support components. It did not, however, attain its goals for the land information management component. 15. By strengthening a recently created housing bank with the legal status of a joint stock company, this project facilitated the development of the housing sector, which accounts for about one-fifth of annual sector investments in Tunisia. This solid, independent financial institution, BH, is capable of meeting 75 percent of the housing sector's identified financing needs while taking little or no funds from the Government budget. The project helped promote the use of credit to finance housing and to change people's way of thinking on the subject. It also helped reduce, over time, the informal sector's share of investments. In addition, private developers received an encouragement with this project. One of the successes of the project was the development of the private construction industry through a new line of credit. 16. The project was primarily geared to serving low-income households, by providing housing that costs less than TD 30,000. The initial line of credit of US$51 million was increased to US$54 million in 1995, and it was entirely spent, benefiting modest households with low-cost housing (TD 30,000) and small lots (200 sm). 17. The training, research, and equipment programs that were part of the project's second component made it possible to supervise and implement the new housing policy adopted by the Government. At the same time, laws on urban development and construction were revised to encourage the growing participation of the private sector in servicing lots and building housing, and the AFH was restructured to gear its operations to developing smaller land parcels with lower equipment standards and to improve its management. In addition, the AFH and the BH have enhanced their cooperation and have included low-income housing in their joint program. Nevertheless, SNIT, and at a lesser degree AFH, did not completely achieve their objective of capacity strengthening. -6 - 18. The objectives of the land information management component were not achieved. Work to devise a plan of action to modernize cartography/topography services and land registration arrangements and to simplify registration procedures, one of the conditions for disbursement of the loan proceeds, got off to a late start, and no recommendations were ever implemented under the project, because of failure by the agencies concerned to act. No disbursements were made under this component. It was canceled in 1995. 19. The financial participation of USAID and good coordination with the Bank facilitated the achievement of objectives. USAID contributed US$15 million to the BH, funds that were spent entirely on a general program whose objectives were in line with the Bank's. Its purpose, in fact, was to facilitate the conversion of CNEL into a bank and to encourage private sector involvement in the land development for housing. C. Implementation Record and Main Factors Affecting the Project 20. The original project closing date was June 30, 1995. However, the project was finally closed on December 31, 1996, or 18 months late, because of delays in starting up certain studies for the institutional support component, and cancellation of the land information component. The funds for this component, namely US$3 million, were reallocated to the housing component. Housing Finance 21. This component, which is the key element of the project -- accompanying the conversion of the National Housing and Savings Fund into a Housing Bank -- was a complete success. The credit line granted to the BH so that it could offer loans to developers and private individuals to build and purchase housing was spent more rapidly than initially anticipated. Two years after the project started, 92 percent of the total line of credit had been disbursed and spent. It allowed an increased number of low-income households to use this type of financing, and marked an enormous change in housing finance methods in Tunisia, where this type of financing was used on a marginal basis and was confined to a high-income segment of the population. It also allowed the private sector to develop. It must be noted, though, that the private sector benefited mainly from the project in housing building, not from land development. Land development did not take advantage of the project to expand. 22. The management capacity of the new BH has benefited to a great extent from the project. All the steps required to convert CNEL into the BH were taken at the scheduled times. Thus, a plan of action determining the internal structure of the BH, including a new organization chart, the opening of several offices in various parts of the country, and staff training in banking procedures and information systems, was drawn up and implemented, as was a strategic plan setting forth the guidelines for its development on the basis of the changing environment. Moreover, a master plan for computerization of the BH was designed and put in place, in addition to an accounting plan financed by USAID. -7- 23. However, the financial auditor discovered irregularities amounting to nearly US$9 million over the period 1990-92. The Bank took a firm position in reaction to this finding, and required that these amounts be repaid or else the component would be suspended. The BH, which immediately promised that it would straighten out this situation, kept its word, and the Bank was not asked to make any disbursements until the amounts owing were reimbursed. Modernization of Urban Planning Regulations 24. The Ministry of Infrastructure carried out all operations scheduled for the housing and urban development sectors in full, including staff training, supply of equipment, and studies, and all within the established deadlines. Thus the Department of Urban Development managed to improve urban development laws by issuing all the implementing provisions for the Urban Development Code. In addition, studies on the equipment grid and the standardized map legend for urban areas will make it possible to harmonize urban planning throughout the country. Finally, studies such as the one on urban strategy, public housing policy, and housing costs and pricing have provided a basis for quality management of the housing and urban development sector. The Ministry of Equipment and Housing should, however, not delay in using all these studies to its advantage. 25. Progress in developing the urban data bank (BDU), which was initiated by the District of Tunis and was recently, in January 1996, converted into an urban agency, has been held up because of insufficient coordination with the other ministries and institutions involved. In fact, compilation of the basic cartographic data, which should logically have been done by the OTC, was in fact done by the District of Tunis. This had the effect of slowing down efforts to complete the data bank under the project. 26. Finally, even though the performance contracts for AFH, SNIT, and OTC were concluded, they did not lead to specific action, and the operations of these agencies only improved very slightly as a result. Regional Planning Studies 27. A study on the Master Plan for Development of the Greater Tunis Area was mostly completed apart from publication of the final report, which was financed by MEAT. It has been delayed as compared to the original schedule for two reasons: (a) study implementation slowed down at the time the Ministry of Environment and Regional Planning was set up, since it subsequently took over this work; (b) the start of the second phase was deferred because of delays in publishing the survey data. This study, which was conducted as part of preparations for the Ninth Plan, contains a large amount of information that should guarantee that the development of metropolitan Tunis will be consistent with the various existing sectoral programs and with national development efforts. Moreover, an analysis of watersheds carried out during the project has provided a plan for protecting cities against floods. -8- Computerization of Services 28. This sector is the weak link in the project implementation chain. In fact, within the TA program only two studies could not be completed and they both had to do with computerization: a study on the master plan for computerization (PDI) of MEH; and the AFH information study. 29. Despite close supervision by the Bank and attentive assistance from the outset of the project, the PDI study experienced many problems. The terms of reference for the study, however, were completed as part of this project. The Ministry still maintains its objectives and the PDI could be financed either by MEH budget or as part of the seventh road project currently underway. The AFH information study also experienced an important delay during the preparation phase. In fact, a prior study on organization of the agency proved necessary, and this was carried out with French Government assistance in 1996. As a result, there was not enough time left to carry out and complete the information study under this project. 30. The primary factors behind these problems seem to have to do with the initial definition of a master computer plan, which pertains not only to acquisition of equipment, but to an in-depth study on organization, which the institutions were perhaps not ready to undertake. These studies were important enough that they should have been opened to international consulting services. Another reason for the delay could have been the creation of the new computer organization in the Government, in the form of the General Computer Secretariat, and its newly-created procedures. Management of Land Information 31. This component did not deliver the expected results. One condition for disbursement under this project component, in fact, was a report on the measures planned to modernize and simplify registration procedures in OTC and CPF. An initial report was drafted as part of the conclusions of the Eighth Plan (1992-96). However, the plan's forecasts established in 1993, or five years later than the planned date, were unrealistic and so a new plan of action was drawn up in 1995. Despite its imperfections, mainly the lack of a summary analysis and failure to give adequate treatment to key problems, it constituted an additional step, marked by the promulgation of Law No. 95-10 of January 15, 1995 to improve procedures. Previously, the OTC performance contract was published in March 1991 for the 1992-96 period. In addition, a new ministry for Government property and land matters was created in 1991. 32. Despite these efforts to bring substantial improvements to the land information system, the Government decided to request that the funds for this component be transferred over to the housing component in 1995, thereby extending the closing date of the project and putting a definitive end to any attempt at reform in this area of the project. -9- 33. To upgrade the legal system, the institutions in charge of implementing it must be overhauled. The main obstacle to the effective operation of this component was the fact that it was impossible to ensure satisfactory coordination because of the absence of a ranking of authority among the three institutions involved, namely the Real Estate Court, CPF, and OTC. The nonfunctioning of the land registration system and the frozen titles were aggravated by the fact that responsibilities were diluted among the ministries. After examining various possibilities for reforming the system, the Government nonetheless decided to confirm the current arrangements based on three executing agencies whose powers remained unchanged. It is in this context that a new programming exercise is to be initiated. D. Project Sustainability 34. The results of this project will most likely prove sustainable. Project continuity is ensured partially by the initial municipal development project which, like this project, is assisting local officials in making fundamental changes in the area of institutional public sector functions; and by the implementation of the Second Municipal Development Project. The objective of these two projects is to increase the capacity of the local authorities to finance investments, develop their capacity to collect revenues, and build their institutional capacity as effective service providers. In the area of urban planning, the results achieved could be lasting because of the enactment of several urban laws (see para. 24); the results could be even reinforced with efforts made by MEH to implement and follow up on studies to make advantage of analyses and recommendations. 35. Project sustainability will also depend on sustained financing. This could be provided by building the institutional system for financing housing, which would involve supporting the development of the BH, strengthening its management, and encouraging the banking sector to participate in and to finance housing. E. Bank Performance Identification/Appraisal 36. Discussions between the Bank and Tunisian officials during the preparation phase, up to 1987, were geared to putting two projects in place: the first was designed to deal with the land information system; and the second was confined to the housing loan sector. The project to simplify and modernize the land registry system had been under discussion since 1983 and had undergone several revisions. 37. An initial appraisal took place in July 1987 at a time when all the persons in charge were being changed. On the side of the Borrower, there was a change of presidents, a change in Government, and new SNIT and AFH directors, and on the side of the Bank, a reorganization was underway. A second appraisal mission was therefore sent out in October 1988. It followed some important decisions: (a) the changes at the head of Government caused a review of the land registrv project and an additional feasibility study - 10 - was launched; (b) the Government decided to convert CNEL into a housing bank. The decision was then made to group the two projects together into an urban project, which was identified as such in 1988. The two major obstacles to housing development were thus brought together: the land information system and the housing finance system. The fundamental question of designating a high-level official in charge of the land component, stressed by the Bank at the time, was left unanswered, and implementation of the component suffered as a result. If, during this preparatory phase, the Bank had exerted greater pressure to resolve the problems that it had correctly identified, this would probably have helped advance the project. Supervision 38. Bank supervision continued on a very regular basis. Developing the management capacity (start-up and supervision) of the various studies, supervision of land registration, and supervision of contracts are all areas where the Bank worked intensively and constructively. The aide-memoires and information transmitted sought to help the Borrower overcome its problems, especially in the area of computerization of the ministry, where specific missions of specialists were sent out, and in the area of land registration, where recommendations for coordination and for launching the plan of action were repeated constantly and persistent attempts were made to facilitate study and analysis. However, the line of credit was monitored with partial data, and BH level of performance, as emphasized in para. 40, could have been noted earlier. F. Borrower Performance Management of the Line of Credit Component 39. The BH has played a key role in the effective implementation of the project and its line of credit. It has managed to adapt to its new status by making improvements in terms of accounts and computer processing. It has performed its functions effectively, and has kept the Bank informed of implementation of the component. It reacted quickly to requests to transfer amounts from the land information component and it increased spending in the category receiving the new funds. However, it has allowed irregularities to occur over a two-year period, without exercising the necessary control or making the necessary corrections. Yet once the problem was brought to light, BH proceeded to make the necessary corrections. Financial control, in contrast, was performed satisfactorily. 40. Even though the project objectives did not deal with the financial performance of BH, a financial assessment of BH performance indicators is provided in the annex (see Table 5A and joint comments), based on 1994 and 1995 audits. The 1996 BH audit was also provided, but too late to be included in the calculations. The main findings stress some weaknesses in BH portfolio management, such as nonperforming loans and underprovisioning. The capital adequacy ratio was still below the ratio required by Bank regulation but is expected to increase with the additional TD 15 million in provisioning - 11 - approved in 1995 and implemented in two steps: half in December 1996 and half in July 1997. Management of the Technical Assistance Component 41. Overall, MEH did a good job managing the component under its responsibility. A large number of studies were undertaken, many in areas of strategic value, and so supervision was complex. Most of the studies were completed on time and were of satisfactory quality, with the exception of the master plan for computerization, where the pertinent decisions were not made, as explained earlier. The Urban Agency also did a good job managing the studies under its authority. Implementation of the BDU, which is now virtually completed, currently poses an important challenge to the Agency, which must make sure that this tool is widely used by the communes and other institutions. Now the Agency needs to learn how to make itself known and to make sure others are aware of the quality of the tools it has available. The AFH and the SNIT did not achieve altogether satisfactory results. AFH finished its accounting study but did not complete the study of its information system. As for SNIT, its performance contract did not lead to any concrete decisions. Management of the Land Information Component 42. This component was not managed in a satisfactory way. First of all, the initial plan of action was not put into effect until 1993, five years after the scheduled date. This plan was not followed by actual achievements, despite the active participation of the Bank, which analyzed the plan and proposals for future measures in January 1995. Second, the steps needed to appoint an official to head this component were never taken, which later proved to be a serious mistake, when the component failed. Procurement 43. Contracts for studies were put out in observance of rules of competition. However, various problems arose, such as: (a) difficulties in expeditiously producing adequate, precise terms of reference; (b) problems linked to use of open bidding procedures for studies; and (c) problems in establishing a balanced relationship between the chief contractor and the consultant while the studies were being performed. Changes in the rules are expected-there is a study underway under the aegis of the Ministry of Economic Development-and they should improve the general situation. G. Assessment of Outcome 44. Generally speaking, the outcome of the project was satisfactory, despite the problems noted in the land management information component. - 12 - Housing finance 45. The line of credit granted to the BH for housing loans led to the following results: (a) Development of 160 hectares of urban land into serviced lots where 14,199 housing units were built; (b) Mortgages totaling US$67 million were granted to individuals for construction or purchase of housing; (c) Expansion of the limited operations of CNEL, by converting it into a true housing bank and strengthening the personnel of the BH through a systematic training program; (d) Training of a new category of private developers capable of gradually taking over most of the current functions of SNIT and AFH; (e) Development and enlargement of 2,212 housing units for private individuals. Institutional support 46. Support by the Tunisian Government for housing, urban planning, and regional planning has been provided through training programs, studies, and equipment for MEH and its agencies, the BH and MEAT. More specifically, studies were conducted to improve urban planning laws, define a rental housing policy, and manage urban development. These studies led to a bill to revise the urban planning code; to reform of the local tax system, in a law passed in January 1997; to analyses and recommnendations on housing finance and the land market; to the introduction of a computer development plan in NEH, along with staff training and computer equipment; and to the first phase of the master plan for development of the Greater Tunis area. 47. Work to modernize the land registry system and to create basic topographic maps, originally programmed as part of the project, was not carried out. H. Future Activities 48. The housing sector in Tunisia has performed well over the past twentv years and has reached a new threshold. To enable it to advance even further, new reforms are needed to cover housing finance, the operation of the land system, the rental market, and management of the existing housing stock. Future Bank projects in the area of urban development should include these aspects. A Second Municipal Development Project is expected to be effective around November 1997. It would continue efforts to build the capacity of local governments to manage urban services. Moreover, the various talks that have taken place have pointed to the possibility of preparing a new project to rehabilitate - 13 - old buildings, and there are plans to resume talks on land information, so that a more realistic project can be developed. However, sustainability in housing finance has not been achieved, since BH management still need improvement and sector reforms are still necessary. I. Key Lessons Learned 49. Project implementation has led to the following recommendations for the housing sector in general, and for its financing and the land market in particular: (a) A mortgage refinancing market should be developed so that banks can finance part of the sector's needs by selling high-yield mortgage certificates. The housing sector began encountering problems in the 1990s. The type of housing provided by the private sector, whether through private transactions or in public housing programs, became increasingly expensive and/or unattractive for many households. In addition, the lending terms offered by the housing finance system made the financial conditions inappropriate for a growing number of low- and middle-income households. Development of a mortgage refinancing arrangement accessible to all present or potential lenders would provide a stable solution to this situation. By creating a secondary mortgage market, banks could cover some of the sector's financing requirements by selling high-yield mortgages. An operation such as this would be beneficial to them while at the same time be consistent with their furnctions and with their obligations to their members to be financially efficient. In addition, it would help make housing finance more widely available. (b) At the same time that a mortgage refinancing arrangement is put in place, the Government and the Bank need to explore the possibility of reforming numerous aspects of housing finance. Areas open to reform include lending terms, rates, the tax system, and resources of banking institutions. Further, the fact that it is impossible to obtain loans to purchase old buildings particularly affects families looking for their first home, and is not favorable either to rotating the housing stock or to adapting types of housing to the changing needs of households. (c) The strengthening of BH should be sustained and housing finance should be extended to other banks, to avoid the pitfalls and consequences of a defacto monopoly situation for BH. (d) Housing credit should be expanded to cover all households. Foreign funds for financing housing do not cover the 'sandwich" category, those persons whose income is higher than households with access to FOPROLOS (social fund for low-income housing), but not high enough for them to personally supplement the BH - 14 - credit. A small part of this project will be geared to this group, and this initiative should be fiirther developed. (e) The institutional aspects of the land information system should be studied and responsibility for implementation should be given to a single institution. The current land registry system is long and complicated, and involves three institutions-OTC, CPF, and the Real Estate Court-each of which has a different legal status, is under a different authority, and operates according to different jurisdictional arrangements in different parts of the country. The lack of coordination among these three institutions and the absence of a higher authority have been the main causes of the failure of the land component. (f) The underlying causes of the freeze on land titling must be resolved before the pace of land registration can be stepped up. Failure to register land transactions is attributed to, among other things, extremely high inheritance taxes and transfer taxes or fees. (g) Incentives such as a national and local land tax system should be put in place- In the absence of a complete land registry, the Government does not have a practical land system. This tax would provide an equitable source of revenue, based on a professional appraisal of the land value. (h) The increase in unregulated housing construction should be gradually brought to an end in the Greater Tunis area. (i) Land and real estate watchdog agencies should be set up to produce reliable data so that the management needs, as well as the management and maintenance costs, of the existing real estate stock can be determined, and so that the structure and performance of the private sector will be more apparent. 6() The housing aid system should be reviewed with a view to ensuring that only the poor segments of the population receive government subsidies. IMPLEMENTATION COMPLETION REPORT REPUBLIC OF TUNISIA FIFTH URBAN PROJECT (Loan No. 3064-TUN) PART II STATISTICAL ANNEXES Table 1: Summary of Assessments Table 2: Related Bank Loans Table 3: Project Timetable Table 4: Loan Disbursements: Cumulative Estimated and Actual Table 5: Key Project Implementation Indicators Table 5A: BH's Financial Performance Ratios and Comments Table 6: Key Project Performance Indicators Table 7: Studies Included in the Project Table 8A: Project Costs Table 8B: Project Financing Table 9: Status of General Project Conditions Table 10: Compliance with the Bank's Manual of Procedures Table 11: Bank Resources: Staff Inputs Table 12: Bank Resources: Missions - 16 - Table 1: Summary of Assessments Not Achievement of Objectives Substantial Partial Negligible applicable Macroeconomic Sectoral policy X Financial objectives X Institutional development X Phvsical objectives X Poverty reduction X Environmental objectives X Public sector management X Development of private sector X Sustainabilitv x Bank Performance Identification X Preparation X Appraisal X Supervision X Borrower performance Preparation X Implementation X Legal aspects X Assessment of Outcome X - 17 - Table 2: Related Bank Loans Year of Loanlcredit title Purpose approval Status Previous Projects 1. First Urban Development - Establishing the District of Closed in 1982 |Project Tunis (Loan 432-TUN, - Renovation of a railway line US$18m) 2. Second Urban - First Bank project in the 1979 Closed in 1985 Development Project housing sector (Loan 1705-TUN, - Urban projects in Tunis and US$19m) Sfax - Rehabilitation and upgrading of low-income neighborhoods with the creation of ARRU 3. Third Urban - Improvement of housing 1983 Closed in 1993 Development Project conditions for the poor (Loan 2223-TUN, - Institutional support in the US$25m) housing sector 4. Fourth Urban - Same as for the Third UDP 1986 Closed in 1995 Development Project (Loan 2736-TUN, US$30.2m) Subsequent Projects I. Municipal Development - Institutional support to the 1992 Ongoing Project (Loan 3507-TUN, local authorities in municipal US$75m) management 2. Second Municipal - Development of urban services 1997 Scheduled to Development Project and institutional capacity begin in (equivalent to $80 million) building November 1997 - 18 - Table 3: Project Timetable Steps in project cycle Date planned Actual date Identification 1985 1985 Preparation 1987 1987 Appraisal 11/1988 11/1988 Negotiations 3/1989 3/1989 Board Presentation 5/18/1989 5/18/1989 Signing 6/30/1989 6/30/1989 Entry into force 9/30/1989 1/23/1990 Closing of Loan 6/3011995 12/3 1/1996 Table 4: Loan Disbursement: Cumulative Estimated and Actual (USS millions) Fiscal Year 1990 1991 1992 1993 1994 1995 1996 1997 Appraisal estimate 2.30 9.90 24.40 37.80 48.20 56.30 58.00 58.00 Actual 33.63 43.56 49.53 51.89 52.98 53.60 55.50 57.94 Actual as % of 14.62 4.40 2.02 1.37 1.10 0.95 0.96 1.00 estimate Date of last 6/90 6/91 6/92 6/93 6/94 6/95 5/96 5/97 disbursement -19- Table 5: Key Project Implementation Indicators (BH Performance Ratios) Actual* Key indlicators Estimated 1989 1990 1991 1992 1993 1994 1995 1996 1. Annlual sprcad on loans () >= 2 poinits N.D. N.D. 2.35 2.81 2.54 2.50 1.89 3.16 2. Debt-equity ratio c=15/1 12.6 15.7 13.5 7.6 8.8 9.12 9.5 8.6 3. DebI-scrviceratio >I,i a1 2.4 1.7 1.4 1.7 1.8 1.6 1.6 1.' 4. Liquidity ratio (%) >= 10% savings 16.69 13.51 6.38 12.47 19.59 45.14 59.91 91.41 5. Commilmenl ratio <20 % . . . ._. As reported by RH - 20 - Table 5A: Financial Performance Ratios .____________________________.___________________________ .1995 1994 Profitabilitv Ratios As a % of average total assets: - total interest income 6.26% 6.24% - net interest income 3.18% 3.05% - non-interest income 0.98% 0.84% - total operating expenses 2.97% 2.80% - net profit (pre-tax) 1.11% 1.14% - net profit (post-tax) 0.85% 0.82% Total interest expense as % of average interest bearing liabilities 3.45% 3.61% Return on average equitv (pre-tax) 20.86% 19.38% Return on average equitv (post-tax) 15.87% 13.96% Operating expenses/gross operating income 41.10% 39.54% Net intermediation margin 3.20% 2.95% Average total balance sheet assets 995,229,909 881,223.329 Average shareholders' funds 53,132,522 51.979.273 Average interest bearing liabilities 886,239,987 782.007.955 Average interest earning assets 935,838.226 838.469.059 Capital Adequacy l Total Capital to risk-weighted assets 4.67% 6.54% Tier I and qualifying portion of Tier 2 capital to risk-weighted assets 4.67% 6.54% Risk-weighted balance sheet assets/Total balance sheet assets 58.70% 55.41% Risk-weighted off balance sheet assets/Total risk weighted assets 34.07% 35.99% Asset Quality l Value of Loan Loss Provision as % of Total Loans 2.75% 2.70% Value of Loan Loss Provision as % of non-performing loans 34.03% n.a. Non-performing ("bad loans") as % of Total Loans 8.08% n.a. Value of loans overdue (>90 days) as % of Total Loans 20.86% n.a Non-performing loans over 50000 TD as % of loans over 50000 TD 26.43% n a. - 21 - Summary Assessment of BH's Financial Performance 1. Asset quality: Loans represent 83 percent of BH total assets which reach 1.05 billion TD at the end of 1995. One third of the loan portfolio is funded by special financing sources which include the second, third and fourth Urban Development Loan granted by the World Bank, grants from USAID, and funds from FOPROLOS. The credit risk on more than 90 percent of loans funded by special resources is borne by the government. For these loans, BH acts on an agency basis in exchange for management fees on loan collection and disbursement. The auditors' report on internal control mentions that the collection rate on these loans is relatively weak without providing specific data. For the remaining two thirds of the loan portfolio, loans for more than 90 days represent more than 20 percent of total loans, which is two times higher than for most Tunisian banks. More accurate information is provided on loans over 50000 TD which have to be individually classified in accordance with bank regulation. For loans over 50000 TD, non- performing loans overdue for more than one year account for more than 25 percent of the total. Non-performing bridge financing loans to real estate developers are particularly high at more than 40 percent of the total. Underprovisioning is estimated at 12.4 million TD in the 1995 audit report. This adjustment would raise loan provisions from 2,75 percent to 5 percent of total loans. 2. Earnings After-tax return on assets was 0.85 percent in 1995, which is equal to the average return on assets achieved by the 12 Tunisian deposit taking banks. At 3.2 percent, the BH net intermediation margin before provisions is also in line with the banking system's average. Non- interest expenses are 41 percent of gross operating income, which is high on an international scale but lower than for most Tunisian banks. However, the BH overall satisfactory earnings performance should be interpreted by taking into account the rather systematic underprovisioning of its loan portfolio. The annual addition to loan provisions represents less than 20 percent of pre- provision earnings in 1995. A higher provision rate consistent with the required upward adjustment of loan provisions estimated in the audit report would have reduced earnings significantly. 3. Capital Adequacy Owing to the credit risk assumed bv the government on loans funded by special resources, about a third of BH loan portfolio is given a zero weight in the calculation of risk weighted assets. This decreases BH's regulatory minimum level of capital. The capital to risk weighted assets ratio was 4.7 percent in 1995, just short of the 5 percent ratio required by the banking regulation. A 15 million TD addition to capital was approved in 1995 but was not completed during the 1995 fiscal year according to the audit report. This capital contribution would have raised the capital adequacy ratio above the statutory minimum. - 22 - Table 6: Key Project Performance Indicators Key indicators Estimated Actual 1. Servicing of lots 250 ha 160 ha 2. Construction of housing 12,200 14,200 3. Jobs in the housing sector 12,000/year 4. Jobs in construction-related sectors 2,500/year 5. Number of housing units developed and 1,500 2,212 enlarged 6. Loan share in housing finance 70% (instead of the 70% previous 45%) 7. Loans granted to individuals for Equivalent of US$160m US$67m construction or purchase of housing - 23 - Table 7: Studies Included in the Project Study Status Impact Improvement of urban planning laws Completed Revision of urban planning code and its implementing provisions Definition of a rental housing policy Completed Discussions on reform of the rental market and (12/1991) management of the existing housing stock Management of urban development Completed Start of a computerization plan for MEH Town policy strategy Completed Proposal for a strategy based on different situations (12/1996) and accompanied by instruments for implementation Equipment grid Completed (1996) Proposal for equipment standards in urban planning documents Standardized city legend Completed (1996) Harmonization of map legends for all urban planning documents Master plan for computerization of PDI terms of Now possible to launch PDI MEH reference defined in May 1996 Development of an urban data bank Ongoing Basic tool for development of urban planning for metropolitan Tunis Vacant housing in the District Completed Better information on the housing stock in Tunis (September 1996) Housing costs and prices 2nd phase Economic trends in production of housing stock completed in September 1996 New housing strategy Completed Government consideration of projected trends (February 1994) Computerization of AFH Not completed NA Introduction of cost accounting in Completed (1996) Better control of AFH accounts bv project AFH Plan for Development of Greater Completed Studv allowing for development of a unified Tunis metropolitan area with different programs underwav Introduction of an SIG Ongoing Management tool available to the Government Analysis of watersheds Completed Plan for protecting towns against floods - 24 - Table 8A: Project Costs (USS millions) Estimated Actual Foreign Local Foreign Local Curr. Component Currency Currency Total Currency (IBRD TOTAL ____ ___ ___ share) _ _ _ _ _ _ A. Housing 121 66 187 143.29 69.84 213.13 B. Institutional 1.6 3.4 5.01 0.75 3.06 3.81 support _ BI. MEH capacity 0.32 2.03 2.35 0.31 1.32 1.63 building B2. Assistance and 1.07 1.17 2.24 0.17 0.69 0.86 equipment for the BH B3. SNIT and AFH 0.21 0.21 0.42 0.01 0.03 0.04 performance contract B4. MEAT - - 0.26 1.02 1.28 strengthening C. Land information 2.35 5.67 8.02 0 0 0 management C 1. Land registry 2.03 5.35 7.38 0 0 0 C2. Mapping .32 0.32 0.64 0 0 0 Project Total 124.9 75.07 200.3 144.04 72.90 216.94 *These figures are computed using 1989 as the base year: TD 1 = US$1.07. - 25 - Table 8B: Project Financing (USS millions) Estimated Actual Local Foreign Local Foreign currency currency Total currency currency Total IBRD 58 58 57.9 57.9 USAID 15 15 15 15 Bilateral aid 2.1 2.1 - 0 0 Tunisian contribution 124.9 124.9 144.04 0 144.04 Total 124.9 75.1 200 144.04 72.9 216.94 - 26 - Table 9: Status of General Project Conditions Type of Date of Agree- Section condition Status application Description ment Loan 3.04 12 Compliance April 1993 Provide an action plan for the with a delay of project's land component; about 4 vears disbursement condition. 3.05 9 Partial June 30 of Discuss progress of compliance each year, implementation of MEH urban starting in planning activities, and SNIT, 1990, until AFH, and OTC performnance loan closing contracts. date 4.01 1 Partial Every year, Present the accounts and entries compliance starting in required to record operations. (the 1996 audit 1990, up to the are needed) loan closing date 4.02 12 Compliance 12/30/90 Introduce a system for regulation of real estate development. Article 10 Compliance, 12/31/96 Closing of project on June 30, 2 with a delay of 1995. a vear and a half Article 10 Compliance NA Bidding terms: subject to Bank 4 agreement for amounts over US$ 150,000. Project 2.07 3 Compliance NA Special account-US$5 million 3.01 1 Partial Every year, BH audit report. compliance from 12/31/89 (except 1996 until audit) completion of project 3.03 2 Compliance NA No new debts for the BH unless its debt ratio is equal to no more than 15/1. 3.04 2 Compliance NA No new debts for the BH unless - 27 - Type of Date of Agree- Section condition Status application Description ment its income is 1. 1 times its debt service payments. 3.05 2 Compliance NA Annual return for the BH at least 2% as of 1/90. Article 10 Compliance NA Lending criteria for 11 subprojects: TD 30,000 in housing cost; TD 7,000 in land cost; minimum densitv of 45uJha; 200 m2 maximum lot size; built area = 40%. - 28 - Table 10: Compliance with the Bank's Manual of Procedures No failures to comply with the manual of procedures wvere noted. Stage of Project Cycle Planned Actual Planned Actual (weeks) (weeks) (US$) US '000 Preparation n.a. 181.5 n.a. 411.5 Appraisal n.a. 453 n.a. 116.5 Negotiation through Board approval n.a. 13.7 n.a. 37.8 Supervision n.a. 116.9 n.a. 370.7 Completion/closing n.a. 4.0 n.a. 20.0 TOTAL n.a. 361.4 n.a. 956.5 Table 11: Bank Resources - Staff Inputs Estimated Actual Stage of US$ USS Project Cycle Weeks millions Weeks millions Priortoappraisal NA NA 181.5 411.5 Appraisal, signing NA NA 45.3 116.5 Signing, entry into NA NA 13.7 37.8 force Supervision NA NA 116.9 370.7 Completion NA NA 4.0 20.0 TOTAL NA NA 361.4 956.5 - 29 - Table 12: Bank Resources: Missions Stage of No. of No. of Perfor- Develop- Project Cycle M/A Persons Weeks mance ment l ____________ ______ ________ _______ Specialized Skills Objectives Problems Supervision 10/89 3 26 Urban Planner I I Start of land Financial Analvst information action Housing Spec. plan with a Bank expert. Reorganization of BH. Contract-program of |_____ ______ _________ AFH and SNIT. Supervision 02V90 2 2.2 Urban Planner 1 I Disbursement of Housing Spec. line of credit faster than expected. * Slow MEH component * Land infor- mation management action plan Supervision 07/90 3 2.6 Sr. Urban Planner I I BH action plan, Sr. Financial Analyst land and housing Housing Spec. development studies. Supervision 04/91 3 2 Sr. Urban Planner I I Need of TA for BH Sr. Financial Analyst strategic plan; Housing Spec. First discussions on TOR for MEH information plan studv. Supervision 04/92 2 2 Mun.Fin. Spec. I I Lack of acceptable Sr. Housing Spec. action plan for the land inforrnation component. Supervision 12/92 3 3.8 Sr. Urban Planner I I Revision of urban Sr. Fin. Analyst planning code. Sr. Housing Spec. Supervision 05/93 2 1.8 Sr. Urban Planner 2 2 90% of line of credit Sr. Housing Spec. disbursed. Lack of acceptable action plan for the land information component. - 30 - Stage of No. of No. of Perfor- Develop- Project Cycle M/A Persons Weeks Specialized Skills mance ment Objectiv Problems I_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ __________ e s Supervision 12/93 3 2.4 Sr. Urban Planner 2 2 Misuse of funds by Sr. Fin. Analyst BH signaled by Sr. Housing Spec. Contr6leur General des Finances. Supervision 06/94 1 0.6 Sr. Urban Planner 2 2 Agreement by MEH and Ministry of Plan for preparation of a revised action plan on land registration. Supervision 12/94 3 2.4 Sr. Urban Planner S S Correction of misuse Mun. Engineer of ftunds bv BH. . ____________ ________ Sr. Fin. Analyst Supervision 03/95 1 1 Sr. Urban Planner S S Studv on Greater Tunis Master Plan has started. Supervision 06/95 3 2 Sr. Urban Planner S S Study on Strategic Sr. Fin. Analvst Role of Cities has Mun. Engineer started: Report of closing date. Supervision 01/96 2 2 Sr. Urban Planner S S Slow implementation Mun. Engineer of information studies l____ ______ of MEH and AFH. Supervision 04/96 1 1 Mun. Engineer S S Greater Tunis Master Plan implementation has slowed down waiting for employment census data. Supervision 11/96 2 1.2 Mun. Engineer S S Some delays in audit Fin. Analyst reports. Discrepancy on disbursements with BH accounts. Completion 06/97 1 0.8 Municipal Engineer S S Tunisian contribution of ICR provided in June 1997. IMPLEMENTATION COMPLETION REPORT REPUBLIC OF TUNISIA FIFTH URBAN PROJECT (Loan No. 3064-TUN) THE BORROWER'S REPORT June 1997 REPUBLIQUE TUNISIENNE MINISTERE DE L'EQUIPEMENT ET DE L'HABITAT DIRECTION GENERALE DE LA COOPERATION DE LA PLANIFICATION ET DE LA FORMATION DES CADRES COOPERATION TUNISIE-BANQUE MONDIALE RAPPORT D'ACHEVEMENT DU 5e PROJET DU DEVELOPPEMENT URBAIN JUIN 1997 SOMMAIRE Pazes Presentation du projet I. Introduction ..................................................... H . Objectifs .............................................2 III. Realisation 5................ ......... ............. 5 IV. Actions de soutien .....................................................8 V. P erforman e ..........................................9 VI. Perennit. 10 VII. Evaluation des resultats et recom mandations ......11 RAPPORT D'ACHEVEMENT DU 5S PROJET DE DEVELOPPEMENT URBAIN I. INTRO]DUCTIO : Depuis son accession a l'lnd6pendance en 1956, la Tunisie a accorde une attention particuliere au secteur de l'habitat et a oeuvre pour assurer a l'ensemble des citoyens, les conditions d'une vie decente. Cette attention s'est traduite par de nombreuses realisations dans les secteurs de l'enseignement, de la sante et de la culture, I'amelioration des revenus des diff6rentes categories sociales, ainsi que celui de l'habitat et du raccordement des logements aux reseaux d'eau potable, d'electricite, d'assainissement... Le changement historique du 7 Novembre 1987 a permis de consolider et d'am6liorer 1'ensemble de ces acquis a partir de la coexistence des deux composantes economique et sociale dans la politique de developpement du pays. Cette coexistence constitue une garantie de croissance et de prosperite durables, visant I'am6lioration continue des conditions de vie de 1'ensemble de la population et oeuvrant a la consolidation des valeurs de justice sociale et des Droits de l'Homme. Pour atteindre ces objectifs, la Tunisie a poursuivi, entre autres, la realisation de plusieurs programmes d'habitat social et de lutte contre la pauvrete des populations d6favoris6es et d'amelioration des conditions de vie, aussi bien en milieu rural qu'en milieu urbain. Ceci a permis l'accroissement du parc immobilier surtout en faveur des categories aux revenus faibles ou moyens, parallblement a l'amelioration des elements de confort des logements. 1 C'est ainsi que le recensement gen6ral de la population et de l'habitat de 1994 a montre que le parc immobilier de la Tunisie s'lbve a 1 870 058 logements, effectif sup6rieur & celui des m6nages qui est de 1 704 800. Par ailleurs, la part des logements rudimentaires est passee de 25,8% en 1975, a 8,8% en 1984 et a 2,7% en 1994. Les logements raccordes au reseau d'eau potable sont passes de 72,5% en 1984, a 82,3% en 1994; dans le meme intervalle, le taux d'6lectrification est passe de 63,4% a 86% et le taux de raccordement au reseau d'assainissement, de 28,9% a 39,5% sachant qu'il est de 59,8% en milieu urbain. Cette am6lioration globale est encore plus significative dans les zones rurales et les quartiers populaires depuis 1987, grace aux programmes nationaux specifiques et aux programmes de developpement urbain. Ceci s'est r6alise notamment grace au programme de rehabilitation et d'assainissement des quartiers populaires, a celui visant la consolidation du parc immobilier, ou encore, au moyen des interventions du Fonds de Solidarite Nationale au profit des categories et des zones, demunies, d6nommees zones d'ombre. En effet, dans le cadre de ce Fonds, institue en 1992, grace a l'intervention personnelle du President de la R6publique, un Plan National de D6veloppement des diff6rentes zones d'ombre, a l'horizon 2000, a ete mis en place necessitant des investissements globaux de l'ordre de 450 millions de dollars, au profit de 1100 zones et touchant pres de 176 000 familles, issues pour la plupart des couches sociales d6sh6ritees. II- OBJECTIF DU PROJET: Plusieurs objectifs sectoriels ont ete fix6s lors du demarrage du projet a savoir': la privatisation de I'am6nagement de terrains et la construction de logements, I'augmentation de la part relative du credit disponibles pour le financement de I'habitat, I'am6lioration des systemes de gestion de l'information fonciere. Mais l'objectif principal du projet est de soutenir la mise en oeuvre de la nouvelle politique de I'habitat retenue par le Gouvernement Tunisien en 1988 a travers trois composantes principales du projet qui sont: le financement de I'habitat, le renforcement institutionnel et l'amelioration de la gestion des informations foncieres. 2 Financement de l'Habitat: 1-La transformation de la Caisse Nationale d'Epargne-Logement en Banque de I'Habitat est l'objectif central du projet puisqu'il offre de nouveaux instruments a la politique de financement de l'Habitat en Tunisie permettant ainsi au secteur de jouer pleinement son r6le de satisfaction des besoins en logements pour toutes les couches sociales notamment celles disposant de revenus faibles ou moyens. Pour appuyer cette transformation, une ligne de credit de 58 Millions $ a ete mise en place avec le concours de la Banque Mondiale dont 51 Millions $ retroc6des a la Banque de l'Habitat. 2-L'am6lioration de la contribution du secteur prive a l'amenagement de terrains et a la construction de logements. 3-La rationalisation de la reglementation d'amenagement de terrains et de construction de logements. Renforcement institutionnel: La nouvelle politique de I'Habitat, arret6e en juin 1988, a implique la mise en oeuvre de nouveaux moyens pour en assurer l'execution et le suivi tant par les services du Minist6re de l'Equipement et de I'Habitat que par les services des entreprises concernees. Ii s'agit d'ameliorer les capacites respectives d'intervention de ces services par l'am6lioration et la vulgarisation des textes rbglementaires favorisant l'am6nagement de terrains et la construction de logements, et la restructuration de la Societe Nationale Immobilibre de Tunisie (SNIT) et l'Agence Fonci&re d'Habitation (AFH). L'objectif final etant le desengagement progressif de l'Etat en faveur d'une participation croissante du secteur prive. Ce renforcement institutionnel comprend: I-Renforcement du Ministere de l'Equipement et de l'Habitat par: *Etudes sur la rbglementation en matiere d'urbanisme et des normes techniques 3 *Etude de logements locatifs (publics et priv6s) *Etude des proc6dures et de coordination intersectorielle pour l'amenagement urbain *Etablissement d'un systeme d'informations pour l'am4nagement du territoire *Elaboration du schema directeur d'amenagement du Grand Tunis *Etude preparatoire pour la mise en place de systbmes d'information pour la gestion du developpement urbain *Mise en place d'un systeme pilote sur l'agglom6ration de Tunis *Fourniture de mat6riel et de documentation *Programme de formation du personnel du Ministbre de I'Equipement et de l'Habitat et du Ministbre de l'Environnement et de l'Amenagement du Territoire.(1) 2-Renforcement de la Banque de l'Habitat par La d6finition d'une strat6gie commerciale visant A pr6ciser les produits de la Banque de l'Habitat et a prendre pied sur le march6 de l'6pargne primaire *Renforcement de sa capacite d'6valuation WMise au point d'un systeme d'information de gestion *Realisation d'un programme de formation *Acquisition d'6quipements informatiques 3-Renforcement de I'Agence Fonciere d'Habitation et de la Soci&d Nationale Immobiliere de Tunisie par la mise au point et 1'ex6cution de contrats-programmes en vue de reduire les d6lais de prestations et du ciblage des produits et comprenant principalement -1'etablissement et la realisation de programmes de formation du personnel -la mise au point et I'adoption de nouvelles proc6dures d' intervention (1) La Direction Generale de I'Amenagement du Territoire qul relevait du Mlnistbre de l'Equipement et de I'Habitat a 4td rattach6e au Ministere de l'Environnement et de l'Amenagement du Territoire cr6e pendant la rdaIisation du projet. 4 Gestion des informations foncieres: L'objectif de cette composante consiste a mettre a la disposition des divers usagers des informations recentes et fiables tant en matiere d'informations foncieres qu'en matiere de cartographie. Pour cela, il s'agit: -de mobiliser la Conservation de la Propriete Fonciere (CPF) pour assurer une mise a jour et empecher le "gel" des nouvelles attributions de titres -d'elaborer et d'executer un programme de renforcement de l'immatriculation fonciere comprenant l'acquisition de materiel et de documentation -de moderniser, d'informatiser et de decentraliser les services de l'Office de la Topographie et de la Cartographie en vue d'etre plus proches des usagers et de collecter les informations cartographiques et topographiques necessaires a la preparation des plans cadastraux et des cartes notamment au 1/25 000 trbs utiles aux urbanistes d'elaborer et de realiser un contrat-programme pour l'Office de la Topographie et de la Cartographie. III- REALISATION DU EROJET: Le projet a ete globalement realise dans de bonnes conditions et les r6sultats sont largement satisfaisants malgr6 l'annulation de la composante fonciere 1 -Financement de ('Habitat: *Le passage d'une Caisse en une Banque a ete execute parfaitement. Ainsi, en matiere d'octroi des credits pour le financement de l'habitat, des montants importants en cr6dits immediats ont ete consentis au cours des premieres annees du projet (90, 91, 92) grace a la mobilisation des fonds necessaires sur cette ligne de credit. Ce developpement a consacre la rupture avec l'activite de 1'ex-CNEL orientee exclusivement vers le financement de ('Habitat a travers le systbme d'Epargne-Logement. 5 *L'augmentation de l'offre de logements essentiellement de type social grace notamment a la mobilisation de la promotion immobiliere privee. *Le deblocage du pret a ete rapide 84% de l'enveloppe retrocedee au cours des deux premieres annees du projet: vu que le remboursement concerne le refinancement des prets accordes dans l'activite ordinaire de la Banque en tenant compte des conditions prevues dans I'ACCORD DE PROJET. *La transformation de la CNEL a 6te une occasion propice pour mettre en place des programmes ambitieux de formation de personnel et le developpement des proc6dures appropriees en matiere comptable et systeme d'information pour am6liorer la gestion de l'institution; *Un sch6ma Directeur Informatique de la Banque a 6te mis en place et finance sur cette ligne de credit. Les objectifs de ce schema et les r6alisations sont decrits sur une note separee presentant une evaluation propre de cette action. *L'volution des ratios de performance de la Banque au cours de l'ex6cution du projet temoigne de la solidite financiere de cette jeune Banque grace aux resultats acquis en matibre de consolidation de ses ressources et la diversification de ses emplois. 2- Renforcement institutionnel: *Des seminaires d'information et de sensibilisation ont accompagne les etudes menees par le Direction de l'urbanisme telles que I'etude de strat6gie urbaine, 1'etude d'elaboration de la grille des equipements et l'6tude d'elaboration de la l6gende urbaine unifi6e. *L'Agence Urbaine du Grand Tunis a procede au renforcement de la Banque de Donnees Urbaines du Grand Tunis (BDU), a l'heure de son utilisation comme base du developpement d'observatoires, et a l'heure de son ouverture vers les differents partenaires urbains, et son positionnement en tant qu' assistant technique en la matiere et lieu de developpement de projets pilotes regionaux. 6 Ainsi, grace a l'acquisition du mat6riel et des logiciels de renforcement, a la formation pour les anciens et de "mise anivea" pour les agents nouveaux, et grace a l'apport exterieiur d'ewpi:&L-k 6trangers, la BDU a acquis les outils et les moyens de sa politique future et de son positionnement dans la place des syst6rwes d'information g6ographiques dans la r6gion. *Etude relative a la mise en place d'une comptabilite bas6e suir les engagements et l'amelioration de la comptabilite analytique r ealise par l'Agence Fonciere d'Habitation. L'objectif de cette 6tude consiste essentiellement a mettre en place un nouveau systbme capable (le corriger les faiblesses constatees au niveau de la comptabilit6. *La Direction Gen6rale de l'Amenagement du T'erritoire (Ministere de l'Environnement et de l'Ann6nagement du Territoire) a men6 les actions suivantes: *La realisation d'un systeme d'irformation g6ographique pouir l'amenagment du territoire *I1'laboration d'une etude g6nerale intitulee "Analyse des bassins versants du Centre et du Sud en vue de la mise en cold. rnce des programmes de protection contre les inondations" *L'l6aboration de 1'6tude du Schema Directeur d'Am6nagewient dcu Grand Tunis, *La realisation d'un programme de formation pour les cadres de la Direction G6nerale de l'Amenagement du Territoire. 3- Gestion des informations foncieres: En raison de l'absence d'un consensus autour d'un nouvealU systeme de cadastre, les objectifs relatifs a l'amelioration du systeme d'information fonciere n'ont pu etre atteints et 1'enveloppe y afferente (3 MD) a ete reaffectee au financement des logenents sociaux. 7 IV- ACTIONS DE SOUTIEN: Dans le cadre du soutien du programme du 56 Projet de Developpement Urbain, plusieurs actions ont et6 men6es aussi bien en matiere d'habitat, d'urbanisme, d'amenagement du territoire, d'informatisation que de topographie et de cartographie. En effet, il convient de citer notamment la r6alisation des etudes d'habitat suivantes: lntitule de l'etude Date d'achevement Cout global (D) Source de financement Budget Exterieur Etude du regime de la copropriete Dec. 1991 46.000 100% 0 % en Tunisie et de ses reformes legislatives _ _ Etude de l'habitat locatif (1ere Dec. 1991 21.000 100% 0 °0 phase) Etude de i'habitat anarchique en Mars 1992 53.000 100% 0 % Tunisie _ Etude de l'habitat locatif (2eme Juin. 1993 53.371 100% 0 % phase) _ Etudes des projets de villages Dec. 1993 1 80.000 100% 0 % ruraux int6gr6s Etude d'identification des sites Juin 1994 40.000 100% 0 % de logements sociaux dans le Grand Tunis Etude des logements vacants a Mars 1996 15.000 100% 0 % Tunis Etude Nationale sur la r6habilita Mai 1997 180.000 100% 0 % tion de lHabitat vetuste et insa- lubre Etude de l'volution du coOt des en cours 40.000 100% 0 % logements Etude des formes architecturales en cours 73.000 100% 0 % et des techniques de construction Observatoire du foncier et de en cours 90.000 55% B.Mondiale l'immobilier dans le Grand Tunis 45% .___________ (40.000D) 8 En outre, les efforts deployes par l'Office de la Topographie et de la Cartographie pour resorber totalement le retard cumul6 notamment en matibre d'immatriculation facultative qui 6tait estime en 1990 a 4000 dossiers. Ces efforts se sont mat6rialises par I'acquisition d'equipements informatiques, photogrammetriques et topographiques, et I'amelioration des m6thodes de production dans le cadre d'un contrat-programme. Par ailleurs, il convient de relever l'intense campagne de formation et de vulgarisation menee par la Direction de l'Urbanisme, la Direction Generale de i'Habitat avec l'appui efficace de la France dans le cadre de la coop6ration technique soit par l'envoi de dix experts en Tunisie pour courtes dur6es soit l'invitation en France de quarante cadres tunisiens pour prendre connaissance de l'expertise fran,aise tant en matiere d'habitat qu'en matiere d'urbanisme et d'amenagement du territoire. De meme, il y a lieu de noter la cooperation efficace entre les services du Ministere de I'Equipement et de l'Habitat et l'Ecole Nationale d'Administration, soutenue par l'Allemagne F6d6rale, qui a permis d'organiser les dix seminaires regionaux et le seminaire national de vulgarisation du nouveau code de l'urbanisme et de l'am6nagement du territoire et des textes d'application correspondants dont la population cible a 6te estimee a 2000 personnes. Enfin, la Banque de l'Habitat a ben6ficie d'une contribution appr6ciable de l'USAID de 15 MD US qui a permis de soutenir sa transformation en Banque de l'Habitat et l'encouragement de la participation des promoteurs prives. V- PERFOLMANCE: La coop6ration avec la Banque Mondiale n'a pas failli a la bonne tradition qui remonte au d6but des ann6es soixante. En effet, tout s'est pass6 dans le respect mutuel et chacun s'est acquitte des taches qui lui incombent avec beaucoup de serieux. La Banque a approuve rapidement la reaffectation de 1'enveloppe correspondante (3MD) au financement de l'habitat quand la composante fonciere n'a pu etre concretisee faute de consensus des differents services concernes. 9 Par ailleurs, il y a lie.u de noter l'intervention efficace du controle financier qui a releve des erreurs d'imputation dans la gestion du prat par la Banque de I'Habitat, erreurs du reste corrigees rapidement. Notre souhait est de voir cette coop6ration se poursuivre dans tous les domaines et dans le meme esprit. Le Ministere de I'Equipement et de I'Habitat, le Ministere de I'Environnement et de l'Amenagement du Territoire et les diff6rentes agences ont, dans 1'ensemble bien gere leur projet, exception faite de 1'etude de Schema Directeur d'Amenagement du Grand Tunis qui a accuse un retard dans la realisation de la 2e tranche. Ce retard est dO essentiellement a la non disponibilite imm6diate des donnees du recensement general de la population et de l'habitat de 1994. VI- PERENNITE DU PROJET: Les progrbs accomplis dans le domaine du renforcement institutionnel des divers intervenants influan,ant la politique de l'Habitat constitue la base de la p6rennite du projet. En effet, le changement du statut de la CNEL en Banque et son renforcement institutionnel ont entrain6 des 6volutions irr6versibles dans son activit6 et des progres durables pour cette institution. De meme, les progrbs accomplis dans le domaine de la politique de I'Habitat et du financement en particulier ont ouvert la voie a l'introduction d'autres r6formes dans le secteur notamment la creation d'un march6 secondaire hypoth6caire. En outre, I'encouragement du secteur bancaire a participer au financement de P'habitat constituera une garantie supplementaire de la perennit6 financibre du projet qui demeure la condition principale de la perennite du projet. 1 0 VIIl- RVATAUTION DRIS RE T RECOMMANDATIONS: Mis. i part la composante foncibre, le projet a atteint ses objectifs et les r6sultats sont largement satisfaisants tant au niveau du financement de I'habitat qu'au niveau does actions inscrites dans la composante " renforcoment institutlonnel". En effet, la consommation des credits alloues a atteint un taux important estim6 A 99,76 %, ce qui prouve que la realisation est conforme A la planification. 11 y a lieu, aussi, de souligner les bons resultats suivants: 1 -Au niveau du financement de I'habitat *la construction par des promoteurs de 14 199 logements A faible coOt et economiques I'octroi de prets par la Banque de l'Habitat A hauteur de 67 Millions de Dollars pour la construction ou l'acquisition de logements Ia transformation de la CNEL en Banque de l'Habitat et la mise A niveau de son personnel A travers un programme de formation continue 1'6mergence d'une nouvelle cat6gorie de promoteurs priv6s susceptibles d'augmenter sensiblement l'offre en matiere d'am6nagement de terrains et de construction de logements *la contribution a l'am6lioration de l'habitabilit6 des logements existants par l'extension et la renovation d'environ 2200 logements par des prbts s'elevant & 11,2 MDT. 2-Au niveau de renforcement institutionnel: Le renforcement institutionnel a etd concretise par -la revision du code de l'Urbanisme et de l'Am6nagement du Territoire et l'elaboration des textes d'application cons6quents, I 1 -la definition d'une politique du logement locatif, -le renforcement de la Banque de Donnees urbaines de l'Agence Urbaine du Grand Tunis, -la mise en place d'une comptabilite basee sur les engagements et l'amelioration de la comptabilite analytique pour les besoins de l'Agence Fonciere d'Habitation, -la realisation de quatre etudes specifiques d'am6nagement du territoire au profit du Ministere de l'Environnement et de l'Amenagement du Territoire permettant entre autre la mise en coherence des programmes de protection contre les inondations et la mise en place d'un systeme informatique d'aide a la d6cision dans les domaines d'amenagement du territoire et d'environriement. Ces etudes ont permis de mieux appr6hender les probl6matiques et de maltriser les differents aspects du secteur. En outre, la fourniture d'equipements et de logiciels, et la formation du personnel ont permis une mise a niveau appr6ciable tant au niveau des moyens de production qu'au niveau de la qualite de la production. Eu egard a la nouvelle orientation nationale en matiere d'equipement informatique, la composante "informatisation des services" constitue une r6alisation partielle de l'assistance technique. Toutefois, il y a lieu de relever 1'6tablissement des termes de rdf6rences de l'etude du plan directeur informatique du Ministbre de I'Equipement et de i'Habitat et l'acquisition d'equipements informatiques adequats qui ont permis l'amorce d'une reelle informatisation de ses services centraux que regionaux. En guise de recommandations, il y a lieu de mentionner la necessite de poursuivre les r6formes au niveau de I'Habitat et de l'urbanisme en accordant une attention particuliere au parc de logements existants qui constitue un patrimoine culturel a entretenir et A sauvegerder, ainsi qu'aux logements locatifs qui repondent aux besoins d'une couche sociale de plus en plus large. 1 2 COOPERATION AVEC LA [BANQUE .MONM)IAILE SITUATION AU 30/04/1997 (cn SU.S) cr6diis Credits deiuindc de Cri-dits aMHui6 ajUs3 rcallocaiion coiusonin4% 3u dii 31/12/1996 19/12/1996 1/ Banquc dc lllabitat 51000000 54.G70o00Q 541.362.803 54.595.4 11.3 cat0goiic A: 33.000.000 36.670.000 317.012.803 cat6goric B: 17.000.000 12.000.000 12.000.000 catigolic C: 1.000.000 6.000.000 5.350.000 2/ Assistance technique: !.°9 0 j3kO.WQ0 3.339¶50Q 2.967 Z36',I B[i 600.000 700.000 715 421.86 MEAT 1.140.000 1.140.000 950.127.43 rnntant estime4 M E-I 1.023.000 1.023.000 1.023.000.00 DISTRICT 267.000 322.000 243.763.84 A.f.It 150.000 150.000 31.440.00 D.R.O.I. 150.000 4.250 3.483.10 3-At Equip=mcnt et Mat6riel: SOU.00 - 29.7947 297 9470U0 3-B/ Composante fonciere: 3D000.000 4 Non aiTectw: 2.500.00- TOTAL. 58.000.000 58.000.000 58.00(.000 57.860.594.61 ItIEI,lQtIAT': 139.401.33 13 56 P.D.U APPUI INSTIIUTIONNEL AU M.E.H PROJET DE RENFORCEMENT DE LA BDU DU GRAND TUNIS TABLEAU RECAPUTILATIF DES PAYEMENTS DE LA lere ET2eme Tranche DATE 30/04/97 :::::::::::...;......... ......- -:: ::::::;:::: ::::-::::::::::::.:::::::::..A:Y:E::......JS::::::::::: ... ... ... ... ... ... ... . I ... . . .. ... ... ... ... ... ... ... ... .. .. . .:.. R E S:TE A :PA YER . . ::: IoNs C:__ : : :.S: :.:::::::: :.::: :: :.::::::£ EM : : :- . . ::: ::::::::8;:1:; F :: A:.: T:: :. : 7:: N-dordre .................. . d0i'siendeise NilsIRD eD.T .ParI:AUGT.- s 1 O(e T fendesisesd tte:T: ::-:en:D7: +t nDT. : -::hDT* EQUIPEMENTS Station UNIX + H D exlerne 25 416 000 2 541 600 27 957 600 25 416 000 2 541 600 27 957 600 18AU ScannerAo 16 800000 1 680000 18 480000 16 800 000 1680 000 18 480 000 19AU 3 Micro-ordinateurs 19 422 840 1 951 734 21 374 574 19 422 840 1 951 734 21 374 574 21AU Traceur a jet d'encre A0 24 335 000 4 136 950 28 471 950 24 335 000 4 136 950 28 471 950 23AU Modules ARC/INFO 27 260 000 2 726 000 29 986 000 27 260 000 2 726 000 29 986 000 26+51AU Reseaulocal 11190000 1 345800 12535800 11190000 91420 11281420 1254 380 20+25AU SGBDR:ORACLE 11 100000 1 110000 12210000 11 100000 11 100000 1 1100)00 17AU Logiciel compression images 2 975 000 297 500 3 272 500 2 975 000 2 975 000 297 500 48AU Materiel bureautique 2 388 697 406 078 2 794 775 2 388 697 406 078 2 794 775 27+28AU Sous Total 1*re Tranche 140 887 537 16 195 662 157 083 199 140 887 537 13 533 782 154 421 319 2 661 880 Deux onduleurs de type 3 KVA 8 584 000 1 459 280 10 043 280 8 584 000 1 459 280 10 043 280 43AU Materiel bureaubque 2 102 354 357 399 2 459 753 2 102 354 357 399 2 459 753 38+39AU Climabseur 1 599 945 567 980 2 167 925 1 599 945 667 980 2 167 925 40AU 3 PC Pentieum 3 750 000 375 000 4 125 000 3 750 000 375 000 4 125 000 41AU 1 PC Portable 2 987 600 298 760 3 286 360 2 987 600 2 987 600 298 760 35AU impriniante matricielle 630 000 63 000 693 000 630 000 630 000 63 000 42AU 3 imprimantes A jet d'encre A4 1 434 240 143 424 1 577 664 1 434 240 1 434 240 143 424 38AU scanner couleur A4 1 266 320 126 632 1 392 952 1 266 320 126 632 1 392 952 35AU un graveur CD 1 206 480 120 648 1 327 128 1 206 480 1 206 480 120 648 35AU Une came d4o 622 500 62 250 664750 622 50 62 250 664 750 36AU un compilaleur C 700 000 70 000 770 000 700 000 700 000 70 000 37AU 2 NFS pour windaws 1 674 000 167 400 1 841 400 167 400 167 400 1 674 000 44AU ARAB VIEW 500 000 50 000 550 000 550 000 49AU Windows 9S Arabe I Francais 99 000 9 900 108 900 99 000 99 000 9 900 53AU Imprimanle Desk Jet 340 448 000 46 480 494 480 494 480 52AU Sous Total 2Ume Tranche 27 604 439 3 918 153 31 522 592 24 982 439 3 115 941 28 098 380 3 424 212 TOIrAL SOUlPEMENTS II 68491 97*T6 --f zl8 1-6 -T1Ii03- T _____ 16S B6g9766116 64S723 102 519t ST88092. FORMATION GRAPHTECH 13150000 2 235 000 15 385 000 13 1500C0 2 235 000 15 385 000 47AU C.N I 13 000 000 1 740 000 14 740 000 13 000 OCO I 090 000 14 090 000 650 000 14AU+46AU ESRI-France 6.600 FF 2 378 258 84 000 2 462 258 6.600 FF 2 378 25a 84 000 2 462 258 8+12+13AU INRO 1.338CHF 4813155 4813155 1.338CHF 4213155 4213155 1+6+7+11AU TRACTEBEL 330 O00FB 10 291 380 10 291 380 330.000FB 10 291 3eo 10 291 380 24AU Visiles de sites 3 154 600 168 000 3 322 600 3 154 6C0 168 000 3 322 600 3+4+SAU TOTALFORMATIO-N: 46 787 393 4 22.7 000 51 0l4 393 :3 57100 49 764 393 : 6S0ooe: EXPERTISE Experlise generate S I G 40.000 FF 7 623 600 7 623 600 40 000 FF 7 623 6CC 7 623 600 1 5AU Expertise Observatoire I F 170.000 FF 38 800 300 640 000 39 440 300 '170 000 F 6400 OCo 540 000 7 040 000 45+50AU Assist tech planit Itansports 47.678FF 8 580 150 8 580 150 47,678FF 8 580150 8 580 150 16+22AU rOrAL EXPERTISE : 55 004 050 6 :640000 5.0 644 ::::: 22 603 750 j 640 090 23 243 750 :: JOURNEE D'ETUDE 9102719 1137724 10240443 . 91027191 1137724 10240443 _______. D R 0 1 - MISSION D'EXPERTISE Honoraires 1 000 000 1 000 000 1 00 CCO I 000 000 2AU Tratisputt 1 796 600 1 796 600 i 798 6Co 1 796 600 9AU Htbergement 686 500 686 500 686 500 686 500 TOTAL MISSION D EXPERTISE 3 483 100 3 483 100 3 483 100 1 3 483 100 SOUS-TOTAL-1 282 869 238 26 118 539 308 987 777 247 246 938 22 004 447 269 251 385 6 736 092 Actes du seminalre, brochure 4062127 738088 4800215 4 800 215 SOUSTOTAL-2 : 4062 127 .. .738 088: 4800215: : .. . :.:: . 4800 215 TOTAL GENERAL 286 931 365 28 856 627 313 787 992 247 246 93 22 004 269 251 385 1 536 307 * En cotirs do Palement BIRD. CONSTRUCTION DE LOGEMENTS ET AMENAGEMENT DE TERRAINS DANS LE CADRE DU 5eme PDU SOUS PROJETS NOMBRE MONNAIE DT Am 6nagement par promoteur 0 0 Terrains a faible coOt et terrains a coOt economique Construction par promoteurs de logements 7723 55 879 268 a faible coOt et logements 6conomiques Prets acquisition 3365 38 571 070 Prets construction 3111 28 301 435 Pr-ts extension et renovation 2212 11 168 857 TOTAL 16411 133 920 630 15 MINISTERE DE L'EQUIPEMNTENT E'f DE L'IIABITATr Couit du Projet Partic assistancc Technique (en D.T) Composante Partic B.I.R.D. Partic locale TOTAL B.H. 646.222 161.556 807.778 M.E.A.T. 950.127 237.532 1.187.659 M.E.HL 985.500 262.450 1.247.950 A.U.G.T. 243.764 33.540 277.304 A.F.H. 31.440 7.860 39.3)0 D.RO.I. 3.483 3. 483 TOTAL 2.860.536 702.938 3.563.474 16 BANQUE DE L'HABITAT SITUATION DEBLOCAGE 5 EME PDU PAR ANNEE DEBLOCAGE 90 91 92 93 94 95 96 97 TOTAL MONTANT EN DT 34 096 964,002 7 489 145,706 1 296 805,000 1 324 880,843 664 571,418 1 437 067,669 3 350 241,574 238 838,597 49 898 514,809 MONTANT EN SUS 38 556 748,91 8 050 311,83 1 454 225,74 1 302 614,80 666 569,19 1 570 466,61 3 472 163,11 237 733,05 55 310 833,24 SITUATION DEBLOCAGE PAR CATEGORIE (EN DINARS) DEBLOCAGE so 91 92 93 94 95 96 97 TOTAL 9 GATEGORIE IA 20 620 991,600 4 987 637,000 1 240 595,000 1 160 167,000 471 659,000 857 566,000 2 624 849,000 123 777,000 32 087 241,600 GATEGORIE 1B 10472 310,400 1 396 919,000 11 869 229,400 GATEGORIE IC 3 365 068,000 737 774,000 56 210,000 83 833,000 414 618,000 503 517,000 62 825,000 5 223 845,000 GATEGORIE 2 5 409,708 80 880,840 173 172,418 164 883,669 221 875,574 646 222,209 TOTAL 34 458 370,000 7 127 739,708 1 296 805,000 1 324 880,840 644 831,418 1 437 067,669 3 350 241,574 186 602,000 49 826 538,209 .NILNISfERE DE L'EQL'1PEMENT ET DE L'IIABITATI DIRECTION DE L'URBANISNIE Tableau coTectif: (les chiffr-es sont en milliers de Dinar-s Tunisienis) Estime P\6alisd composante Macinaie Locale Devises Totale Mannaie Locale Devises Totale Tresor P. ext6rieur Tresor P. exterieur BI: renfcrcement 139,9 421,2 561,1 140,25 501 641,25 cconplement accorde avec du MEH I'aco:rd de MD. E et la Banque (partie D. U) Mondiale pour lefinancement de l'tude *1e la strat6gic urbaine (1 C2: cartographie 125,7 498,4 624,1 * adions DU "84,T' "334,4" "419,1" "84,2" "332,5" "416,7" *actions DU entierement realisees * acticns MEAT "41,0" "164,0" "205,0" "38,0 "152,0" "190,0" * Total des factures gerees par Ia gerees par la DU DU MINISTERE DE L'ENVIRONNEINIEN T ET DE L'AMENAGEMENT DU TERllrTOiRlE 5Sme Projet de Developpement U rbain Situation des consommations au 30 Avril 1997 en 1000 USS COMPOSANTE credits alloucs Montant engage Credits 1 ___________________________________ consom nmes Bassins versants 500 500 SDA Grand Tunis 468 448 SIAT et SIG 160 77,76 Formation et Equipement 12 12 TOTAL 1140 1037,76 950,127 19 AU ;EN,C'E I4'oN('1E.1u: I)'IIABIg'I1'IO\''0N 5enie Projet dc D&cioppcment Urbain Situation des consommations au 30 Avril 1997 _ _ _ _ _ _ _ _ _ _ ____ __ _ _ _ _ _ _ t X COMPOSAN1'E l'artie B.I.R.D. Partie Budget Total lttudes pouir la mise en place d'unc comptabilit6 d'engagement et I'umelioration de la comptabilite 31.440 7.860 39.300 analytique 20 INDICATEUR-CLES DEXECUTION DU PROJET(RATIO DE PERFORMANCE DE LA BH) REEL I Marge annuelle sur les prets >=2 points 1.40% 1.32% 2.35% 2.8% 2.54% 2.50% 1.89% 3.16% 2 Ratio dettes/fonds propres <=15/1 12.6 15.7 13.5 7.6 8.8 9.12 9.5 8.6 3 Ratio du service de la dette 1.1a1 2.4 1.7 1.4 1.7 1.8 1.6 1.6 1.9 4 Ratio de liquidite >=10%60pargne 1 6.69% 13.51% 6.38% 12.47% 19.59% 45.14% 59.91% 91.41% 5 Ratio d'engagement <20% = = = 6.89% 5.49% 5.47% 4.27% 5.46% IMAGING Report No.: 16778 Type: ICR