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Title:Does greater banking inclusion enhance or undermine banking stability in Tunisia? Evidence from a nonlinear analysis
Authors:ID Sebai, Meriem (Author)
Files:URL https://journals.um.si/index.php/oe/en/article/view/5956
Description: Prost dostop
 
.pdf RAZ_Sebai_Meriem_2026.pdf (563,53 KB)
MD5: 1A0DE8A0DAE470428863F6209B8D729B
 
Language:English
Work type:Scientific work
Typology:1.01 - Original Scientific Article
Organization:EPF - Faculty of Business and Economics
Abstract:This paper employs a panel smooth transition regression approach to investigate the relationship between banking inclusion and banking stability in Tunisia over the period 2006–2022. Considering various dimensions of banking stability, our findings indicate an inverted U-shaped relationship between banking inclusion and stability. This indicates that banking inclusion is pivotal for strengthening banking stability up to a certain threshold. Nonetheless, once this threshold is reached, higher levels of banking inclusion lead to banking instability. This is primarily due to increased exposure to less financially experienced clients. Additionally, rapid credit expansion can strain banks’ internal risk management systems, even under strong regulatory oversight in Tunisia. This transition between regimes unfolds gradually. Our research provides essential policy implications and guidance for Tunisian financial regulators in designing strategies to balance banking inclusion and banking stability.
Publication status:Published
Publication version:Version of Record
Publication date:27.03.2026
Year of publishing:2026
Number of pages:str. 37-51
Numbering:Vol. 72, no. 1
PID:20.500.12556/DKUM-98025 New window
UDC:336.71(611)
ISSN on article:2385-8052
COBISS.SI-ID:277524483 New window
DOI:10.2478/ngoe-2026-0004 New window
Publication date in DKUM:08.05.2026
Views:129
Downloads:3
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Categories:Misc.
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Record is a part of a journal

Title:Naše gospodarstvo : revija za aktualna ekonomska in poslovna vprašanja
Publisher:Ekonomsko-poslovna fakulteta
ISSN:2385-8052
COBISS.SI-ID:274517248 New window

Licences

License:CC BY-NC-ND 4.0, Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International
Link:http://creativecommons.org/licenses/by-nc-nd/4.0/
Description:The most restrictive Creative Commons license. This only allows people to download and share the work for no commercial gain and for no other purposes.

Secondary language

Language:Slovenian
Title:Ali večja vključenost v bančni sistem krepi ali ogroža stabilnost bančnega sistema v Tuniziji? Ugotovitve nelinearne analize
Keywords:bančna vključenost, bančna stabilnost, razmerje v obliki obrnjene črke U, Tunizija, panelna regresija z gladkim prehodom


Collection

This document is a part of these collections:
  1. Naše gospodarstvo

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