The Relationship Between Costs And Availability Of Credit: An Empirical Study For Some Tunisian Firms

Abstract

The aim of this paper is twofold. First, the paper aims to analyze the relationship between the number of bank enterprise relationships and the cost of credit for some Tunisian firms. Using an econometric model based on panel data analysis, results show that the number of bank financing lenders increases the cost of credit. Second, the paper aims to determine the rapport between the number of bank partners and the availability of the credit. By using a qualitative model based on the logit estimation, results show that the number of banks affects negatively and significantly the availability of credit.