Abstract
The aim of this research is to adapt an instrument for measuring skills management within the framework of micro-finance associations in Tunisia. After carrying out a literature review and an exploratory qualitative study with twelve associations, the proposed instrument was distributed to the global network of microcredit associations. With almost two hundred questionnaires returned, all the analyses we carried out confirmed the reliability and validity of this new tool built around four variables: Continuous Learning, Withdrawal Position, Evaluation, Training (APEF). The adaptation and validation of the APEF tool in the associative field of micro-finance opens important prospects for empirical research into this expanding business sector, where the measurement of this management style is still relatively unexplored.

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