Tunisia Telegraph: Aram Belhajh on Chouf Loan Conditions

Economic expert Aram Belhajag emphasized that the conditions for honor loans in Tunisia remain ineffective despite the recent issuance of an explanatory circular by the Central Bank of Tunisia. He pointed out that the circular focuses solely on formal procedures without addressing the core structural flaws. These loans suffer from a lack of risk pricing, weak assessment of repayment capacity, and limited allocated funds—around only 120 million dinars. Additionally, banks maintain control over the decision to accept or reject applications based on their internal policies, which reduces their effectiveness. Although some measures have been organized, such as the electronic platform and the monthly reporting requirement to the Central Bank, the biggest challenge remains the banks' absolute discretionary authority. There are also concerns that the limited funding and difficulties in banking supervision will result in minimal benefits and ineffective enforcement of the law.

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