AMEF Consulting

Tunisian Banking Sector – Regulatory Retrospective 2025

AMEF Consulting — Fri, 16 Jan 2026 15:48:42 +0000

1. Introduction Between prudential caution, accelerated digitalisation and strengthened compliance requirements, 2025 will have been above all a year of “execution”: the Central Bank of Tunisia (BCT) translated structuring projects (cheque reform, Basel/IFRS convergence, modernisation of foreign exchange, AML/CFT) into operational texts directly actionable by banks. 2. Financial stability Two […]

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Digital Financial Services

Slim Hedi Chekili - AMEF Consulting — Thu, 30 Jan 2025 10:00:59 +0000

Introduction Digital Financial Services (DFS) have become a central pillar of economic development, particularly in emerging and developing economies. In the field of microfinance, DFS facilitate access to financial services for populations excluded from the traditional banking system, while reducing operating costs. This phenomenon is all the more significant in […]

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RETROSPECTIVE 2024 REGULATION OF THE TUNISIAN FINANCIAL SECTOR

Mongi Ben Tkhayat - AMEF Consulting — Mon, 13 Jan 2025 10:39:37 +0000

I. Banks In 2024, the Central Bank of Tunisia issued 14 circulars and 23 notes to banks and financial institutions, compared with 8 circulars and 24 notes in 2023. The main topics covered in 2024 and the related circulars were as follows: 1.Banks’ obligations with regard to cheque transactions (BCT […]

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OVERVIEW OF TAKAFUL INSURANCE

Jilani Ben Lagha - AMEF Consulting — Mon, 13 Jan 2025 09:12:35 +0000

I. TAKAFUL insurance Takaful insurance is based on the Islamic principles of solidarity and risk sharing. It operates on a participatory model in which members contribute to a common fund. In the event of a claim, this fund is used to compensate participants. Unlike conventional insurance, the Takaful model : […]

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THE CONCEPT OF THE INDEPENDENT ADMINISTRATOR

Jilani Ben Lagha - AMEF Consulting — Mon, 02 Dec 2024 10:14:05 +0000

I. Concept of the Independent Administrator The concept of the independent director originated in the USA, with the first recommendations on corporate governance issued by the Securities and Exchange Commission (SEC) in 1940. It was not until 1978 that US regulations required listed companies to set up audit committees composed […]

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The Postal Bank: simply a competitor to traditional banks or a major player committed to financial inclusion?

Slim Hedi Chekili - AMEF Consulting — Mon, 18 Nov 2024 11:07:25 +0000

I. The « Postal Bank» concept The concept of ‘’Postal Bank” refers to a financial institution that differs from traditional banks both in terms of objectives and characteristics: In terms of specific objectives, the main aims of the Postal Bank in developing countries are to: Broaden financial accessibility by offering […]

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Perspectives of Inclusive Insurance

Mongi Ben Tkhayat - AMEF Consulting — Thu, 18 Jul 2024 10:51:29 +0000

I. Introduction We have become “familiar” with Inclusive Finance and several national financial inclusion strategies have been defined and implemented in several countries around the world, particularly in countries where the rate of access to formal financial services is low. On the other hand, Inclusive Insurance, which should be a […]

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Has the agricultural value chain model really contributed to the development of agricultural financing?

Slim Hedi Chekili - AMEF Consulting — Mon, 15 Jul 2024 08:33:12 +0000

I. Introduction Agricultural value chains offer a model capable of making a significant contribution to the development of agriculture, insofar as they promote better coordination between the various players in the chain, such as producers, processors, distributors and retailers. This greater coordination leads to greater transparency and better risk management, […]

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Integrating Climate Change into Banking Strategies

Slim Hedi Chekili - AMEF Consulting — Tue, 09 Jan 2024 08:51:04 +0000

I. Introduction The consequences of climate change, such as rising sea levels, the occurrence of extreme weather events, the disruption of terrestrial and marine ecosystems, the acidification of the oceans, the reduction in biodiversity, etc., translate into a number of climate risks with a direct impact on the banking sector. […]

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Crowdfunding : Source of Financing and Investment Opportunity

Jilani Ben Lagha - AMEF Consulting — Thu, 04 Jan 2024 12:59:09 +0000

I. Introduction Crowdfunding, also known as participative financing, presents itself as a method of fundraising that allows individuals and businesses to seek financial contributions from a large number of people, in various forms of financing, typically through online platforms. It serves as an innovative alternative to traditional funding methods, providing […]

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