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The impact of lending relationship on risk premium and credit availability: evidence from Tunisia

Author

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  • Meryem Bellouma
  • Abdelwahed Omri
  • Sami Bennaceur

Abstract

This paper presents empirical evidence from a representative sample of Tunisian firms on the importance of loan officers in the production of 'soft information' by opposition of 'hard' information, testing whether firm borrowers have a relationship with their bank or with their loan officer. To establish the main determinants of the credit conditions in Tunisia, our study is based on a sample of 297 companies, dealing with a Tunisian bank from 1998 to 2002. The main finding of this paper is that the risk premium depends only on the hard information proxies. However, the availability of credit seems related to the interaction between the loan officer and the customer through the collection of 'soft' information.

Suggested Citation

  • Meryem Bellouma & Abdelwahed Omri & Sami Bennaceur, 2009. "The impact of lending relationship on risk premium and credit availability: evidence from Tunisia," Afro-Asian Journal of Finance and Accounting, Inderscience Enterprises Ltd, vol. 1(3), pages 235-250.
    • Handle: RePEc:ids:afasfa:v:1:y:2009:i:3:p:235-250
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    Citations

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    Cited by:

    1. Emmanuel Kwabena Anin & Dominic Essuman & Kwame Sarpong, 2016. "The Influence of Governance Mechanism on Supply Chain Performance in Developing Economies: Insights from Ghana," International Journal of Business and Management, Canadian Center of Science and Education, vol. 11(4), pages 252-252, March.
    2. Fredj FHIMA & Ridha NOUIRA & Philippe ADAIR, 2023. "Financement des entreprises et prêts non perfor-mants en Tunisie," Region et Developpement, Region et Developpement, LEAD, Universite du Sud - Toulon Var, vol. 58, pages 65-81.
    3. Belaid, Faiçal & Boussaada, Rim & Belguith, Houda, 2017. "Bank-firm relationship and credit risk: An analysis on Tunisian firms," Research in International Business and Finance, Elsevier, vol. 42(C), pages 532-543.
    4. Zouhour Ben Hamadi & Hammami Yosra, 2016. "Expertise du CA, prise de risques et performance : Cas des banques tunisiennes," Post-Print hal-01901202, HAL.
    5. Bellouma Meryem, 2011. "Governance Mechanisms and Buyer Supplier Relationship:Static and Dynamic Panel Data Evidence from Tunisian Exporting SMEs," International Journal of Economics and Financial Issues, Econjournals, vol. 1(3), pages 88-98, September.
    6. Mohamed Oudgou & Abdeslam Boudhar, 2023. "The bank–SME relationship and rationing risk reduction: an empirical study on survey data," SN Business & Economics, Springer, vol. 3(8), pages 1-39, August.

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