مجلة النمو الاقتصادي والمقاولاتية
Volume 6, Numéro 4, Pages 1-8
2024-01-05
The Reality Of The Application Of Financial Inclusion And Its Repercutions On The Credit Risks In Commercial Banks In Tunisia During The Period 2017-2021
Authors : Chakor Djelthia Fayza .
Abstract
The study aims to highlight the reality of financial inclusion at the tunisian banking sector, and the implications of its application on the credit risks in commercial banks during the period 2017-2021 . depending on the descreptive and analytical method and using the data of the central bank of tunisia and the reports of the relevant official institutions. the reasearch concluded that there is a slowdown in promoting financial inclusion at the tunisian banking sector, as owning and using accounts to perform various banking services, as well as the ability to obtain financing is still weak, especially for low-income people and females and small enterprises. Despite the increase in non-performing loans in tourism, agrecultural sector, banks were able to maitain accepteble levels in capital adequacy indicators, assets quality and profitabelity,thus reducing the potential negative effects of applying financial inclusion on credit risks.that due to the central bank’s polities to find a rapprochement between the precautionary framwork with tha bazel standars and the development of the operational framework for banking control on the one hand , and raise the competence of banks regarding the provision of information about customers and calculating of loans on the other hand .
Keywords
financial inclusion ; credit risk ; commercial banks ; non-performing loans ; banking control
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