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Publication Details
AFRICAN RESEARCH NEXUS
SHINING A SPOTLIGHT ON AFRICAN RESEARCH
business, management and accounting
The impact of lending relationship on risk premium and credit availability: Evidence from Tunisia
Afro-Asian Journal of Finance and Accounting, Volume 1, No. 3, Year 2009
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Description
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. Copyright © 2009 Inderscience Enterprises Ltd.
Authors & Co-Authors
Bellouma, Meryem
Tunisia, Le Bardo
Institut Supérieur de Gestion de Tunis
Tunisia, Nabeul
University of Economics and Management
Tunisia
Research Laboratory Finance et Stratégie Des Affaires
Omri, Abdelwahed
Tunisia, Le Bardo
Institut Supérieur de Gestion de Tunis
Tunisia, Tunis
High Institute of Management
Canada
Research Laboratory Finance
Bennaceur, Sami
Tunisia, Tunis
Essec Tunis
Unknown
Laboratory Economie
Statistics
Citations: 14
Authors: 3
Affiliations: 7
Identifiers
Doi:
10.1504/AAJFA.2009.024300
ISSN:
17516447
e-ISSN:
17516455
Study Locations
Tunisia