مجلة دراسات في الاقتصاد وإدارة الأعمال
Volume 6, Numéro 2, Pages 423-442
2024-03-16

Bank Credit As A Monetary Expander In The Algerian Economy - An Analytical Reading Of The Period (2000-2021)-

Authors : Ouarti Chahra . Moussaoui Riyadh .

Abstract

This study examines the importance of bank credit as a key source for enhancing liquidity and its pivotal role in stimulating the Algerian economy. Amidst challenges stemming from various crises, including the Global Financial Crisis of 2008, the oil crisis of 2014, and the health crisis of 2019, the study investigates the impact of these events on monetary indicators and the performance of Algerian banks. Utilizing an analytical approach, the study analyzes the credit activity of banks and its implications. The findings underscore that, despite the decline in oil deposits, the effectiveness of the Algerian banking system in stimulating monetary circulation and managing crises has relied heavily on the expansion of lending activities and the increased involvement of private sector institutions as significant sources of credit. This study sheds light on the resilience and adaptability of the Algerian economy in the face of economic challenges, emphasizing the importance of bank credit as a driver of economic growth and stability.

Keywords

Bank credit؛ monetary indicators؛ Credit performance؛ Algerian economy.