L’\u00e9conomiste Ridha Chkoundali ne m\u00e2che pas ses mots : l’\u00e9conomie tunisienne s’enfonce dans une crise de liquidit\u00e9s sans pr\u00e9c\u00e9dent, avec un record de 27,5 milliards de dinars circulant en dehors des banques. Selon lui, ce chiffre \u00ab\u00a0astronomique\u00a0\u00bb n’est pas un accident de parcours, mais le r\u00e9sultat direct de l\u00e9gislations d\u00e9connect\u00e9es de la r\u00e9alit\u00e9 \u00e9conomique du pays.<\/p>\n
![\"\"](\"https:\/\/realites.com.tn\/fr\/wp-content\/uploads\/2025\/10\/Ridha-Chkoundali-300x158.jpg\")
Ridha Chkoundali<\/p><\/div>\n
Dans un post publi\u00e9 ce soir sur sa page Facebook, l\u2019expert pointe du doigt une contradiction flagrante : alors que l’\u00c9tat cherche \u00e0 lutter contre l’\u00e9vasion fiscale, certaines r\u00e9formes r\u00e9centes ont produit l’effet inverse. La complexit\u00e9 de la nouvelle loi sur les ch\u00e8ques et l’introduction pr\u00e9cipit\u00e9e de la facturation \u00e9lectronique ont instaur\u00e9 un climat de peur chez les petits commer\u00e7ants et les entrepreneurs. Pour \u00e9chapper \u00e0 une bureaucratie jug\u00e9e punitive ou \u00e0 des sanctions p\u00e9nales, ces acteurs se sont massivement r\u00e9fugi\u00e9s dans les transactions en esp\u00e8ces.
\nLe \u00ab\u00a0coup de gr\u00e2ce\u00a0\u00bb, selon l’analyse de Chkoundali, est l’abrogation de la disposition limitant les paiements en esp\u00e8ces \u00e0 5 000 dinars. En supprimant ce plafond, le l\u00e9gislateur a l\u00e9gitim\u00e9 le recours au \u00ab\u00a0cash\u00a0\u00bb pour de grosses transactions, ass\u00e9chant ainsi les d\u00e9p\u00f4ts bancaires. Le r\u00e9sultat est math\u00e9matique : les banques n’ont plus les fonds n\u00e9cessaires pour pr\u00eater au secteur priv\u00e9, \u00e9touffant ainsi tout espoir de croissance ou d’investissement.
\nPour Ridha Chkoundali, le constat est sans appel : si le Parlement ne revient pas sur ces d\u00e9cisions pour restaurer la confiance dans le syst\u00e8me bancaire, la Tunisie risque de voir son \u00e9conomie formelle s’effondrer au profit d’un syst\u00e8me informel dominant. Il appelle \u00e0 une r\u00e9vision urgente de ces lois avant que la \u00ab\u00a0catastrophe\u00a0\u00bb mon\u00e9taire ne devienne irr\u00e9versible, ramenant le pays \u00e0 des pratiques financi\u00e8res d’un autre \u00e2ge.<\/p>\n","protected":false},"excerpt":{"rendered":"
L’\u00e9conomiste Ridha Chkoundali ne m\u00e2che pas ses mots : l’\u00e9conomie tunisienne s’enfonce dans une crise de liquidit\u00e9s sans pr\u00e9c\u00e9dent, avec un record de 27,5 milliards de dinars circulant en dehors…<\/p>\n","protected":false},"author":144,"featured_media":382638,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[3,6],"tags":[10148,1849,3736,8396],"class_list":["post-382637","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une","category-economie","tag-cash","tag-economie-tunisienne","tag-realites-online","tag-ridha-chkoundali"],"yoast_head":"\n
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