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Real-Time Analysis of Liquidity's Impact on Bank Lending in Tunisia

Author

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  • Mohamed Aymen Ben Moussa
  • Chedia Hedfi

Abstract

Purpose: This paper explore the relationship between liquidity and bank lending in Tunisia. Design/Methodology/Approach: The analysis is performed through a panel model in a sample of 11 banks in Tunisia over the period (2005-2022). Findings: Our principal finding is that liquidity has a significant effect on bank lending. The increase of bank liquidity ameliore the possibility of credits by banks. Practical Implications: The findings inform to regulators, investors, and customers the importance of bank liquidity in the policy of bank lendings. In the aftermath of the financial crisis regulators recognize the need to strengthen the liquidity management and financial stability of banks then develop framework for assessing liquidity on banking in addition to more stringent capital adequacy rules. Originality/Value: This research is original in the Tunisian context and helps the investors to make their decisions when they borrow or finance their investments. To comply with the new standards banks have to improve their capital buffers change the structure of their balance sheet improving the liquidity of their assets and the stability of their funding

Suggested Citation

  • Mohamed Aymen Ben Moussa & Chedia Hedfi, 2025. "Real-Time Analysis of Liquidity's Impact on Bank Lending in Tunisia," International Journal of Finance, Insurance and Risk Management, International Journal of Finance, Insurance and Risk Management, vol. 15(2), pages 27-39.
    • Handle: RePEc:ers:ijfirm:v:15:y:2025:i:2:p:27-39
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    JEL classification:

    • G21 - Financial Economics - - Financial Institutions and Services - - - Banks; Other Depository Institutions; Micro Finance Institutions; Mortgages
    • G35 - Financial Economics - - Corporate Finance and Governance - - - Payout Policy
    • G38 - Financial Economics - - Corporate Finance and Governance - - - Government Policy and Regulation

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