{"id":139026,"date":"2025-10-20T19:09:18","date_gmt":"2025-10-20T17:09:18","guid":{"rendered":"https:\/\/lexpertjournal.net\/fr\/?p=139026"},"modified":"2025-10-20T19:09:18","modified_gmt":"2025-10-20T17:09:18","slug":"decashing-le-gouvernement-schizophrene","status":"publish","type":"post","link":"https:\/\/lexpertjournal.net\/fr\/?p=139026","title":{"rendered":"D\u00e9cashing: le gouvernement schizophr\u00e8ne"},"content":{"rendered":"

Il est \u00e9vident aujourd\u2019hui que nous sommes face \u00e0 un gouvernement schizophr\u00e8ne. Les cadres du minist\u00e8re des finances et des autres minist\u00e8res qui ont \u00e9labor\u00e9 le projet de loi des finances pour 2026 ne savent plus sur quel pied danser. En effet, on est devenu capable de pr\u00e9voir la chose et son contraire dans deux lois de finances cons\u00e9cutifs.<\/h4>\n

Les gouvernements tunisiens ne sont pas \u00e0 leurs premiers changements de cap.\u00a0 Parfois on \u00e9l\u00e8ve les droits de douane, l\u2019ann\u00e9e d\u2019apr\u00e8s on les baisse\u00a0; on instaure un imp\u00f4t ou une taxe et on l\u2019abroge l\u2019ann\u00e9e d\u2019apr\u00e8s sans explication\u2026et les cas ne manquent pas.<\/h4>\n

Mais quand il s\u2019agit de se mettre \u00e0 l\u2019oppos\u00e9e d\u2019une strat\u00e9gie nationale et d\u2019une orientation internationale, les choses deviennent plus dangereuses.<\/h4>\n

Le projet de lois des finances pour 2026 nous a apport\u00e9 une grande surprise. L\u2019article 57 du projet de loi des finances pour 2026 a annul\u00e9 l\u2019article 45 de la loi des finances de 2019, qui stipule\u00a0: la n\u00e9cessit\u00e9 d\u2019utiliser les outils bancaires ou postaux lors des transactions commerciales. C\u2019est ainsi qu\u2019il est obligatoire de mentionner la r\u00e9f\u00e9rence du ch\u00e8que bancaire ou postal dans les contrats de vente des biens immobiliers, des voitures ou des fonds de commerce si le montant d\u00e9passe 5000 dinars. Au cas \u00e9ch\u00e9ant ou en cas de d\u00e9faut de mention, une p\u00e9nalit\u00e9 est signal\u00e9e au contrevenant.<\/h4>\n

Ce projet d\u2019article vient en harmonie avec les mesures prises en 2024 sur l\u2019utilisation du cash. En effet, et sous la pression de plusieurs secteurs (agriculteurs, march\u00e9s aux bestiaux, march\u00e9s de voitures d\u2019occasion,\u2026.) il y a eu l’abrogation de l’article 16 de la loi n\u00b02014-54 par le d\u00e9cret-loi de 2024.\u00a0Selon cet amendement la d\u00e9tention d’un montant en esp\u00e8ces de 5000 dinars ou plus n’est plus une infraction p\u00e9nale et vous n’avez donc pas \u00e0 justifier sp\u00e9cifiquement l\u2019origine de cette somme. Cet amendement a \u00e9t\u00e9 bien salu\u00e9 par plusieurs secteurs et amis fin \u00e0 plusieurs d\u00e9rives.<\/h4>\n

Toutes ces mesures \u00e9taient consign\u00e9es dans une strat\u00e9gie nationale pour le d\u00e9cashing.<\/h4>\n

<\/h4>\n

C\u2019est en application de cette strat\u00e9gie nationale \u00e9labor\u00e9e principalement par la Banque Centrale, que les recettes des finances ont int\u00e9gr\u00e9 les TPE dans leur mode de paiement, apr\u00e8s des ann\u00e9es d\u2019attente, et des pol\u00e9miques qui d\u00e9coulent d\u2019une forte r\u00e9sistance au changement de la part de l\u2019administration tunisienne. Une action pr\u00e9vue en Juin 2019, n\u2019a \u00e9t\u00e9 rendue possible qu\u2019en 2024.<\/h4>\n

Ce revirement et changement de cap vient renforcer la position du cash dans l\u2019\u00e9conomie nationale. En effet, les billets et monnaie en circulation ont atteint 25.2 milliards de dinars au 20-10-2025. Un record de 26 milliards de dinars a d\u00e9j\u00e0 \u00e9t\u00e9 atteint au mois d\u2019Ao\u00fbt 2025. Le plus douloureux dans cette mesure, est qu\u2019elle est pr\u00e9sent\u00e9e sous le chapeau de \u00ab\u00a0la facilitation de la prestation des services administratifs\u00a0\u00bb. Un titre jug\u00e9 anecdotique par certains experts.<\/h4>\n

Ce projet d\u2019article vient aussi \u00e0 l\u2019oppos\u00e9 de la tendance dans le monde avec la r\u00e9duction du cash dans toutes les \u00e9conomies surtout avec le d\u00e9veloppement des applications, de la connectivit\u00e9 et de l\u2019intelligence artificielle.<\/h4>\n

Cette disposition risque d\u2019an\u00e9antir les efforts de la Banque Centrale et plusieurs banques pour d\u00e9velopper le paiement mobile, les wallets et la digitalisation des transactions.<\/h4>\n

Certes la mesure est populaire, et plait \u00e0 tout le monde, mais risque de faire des ravages dans l\u2019\u00e9conomie nationale \u00e0 travers le d\u00e9veloppement de l\u2019informel et de la contrebande. A qui va profiter le crime\u2026.<\/h4>\n

<\/h4>\n

abou farah<\/h4>\n","protected":false},"excerpt":{"rendered":"

Il est \u00e9vident aujourd\u2019hui que nous sommes face \u00e0 un gouvernement schizophr\u00e8ne. Les cadres du minist\u00e8re des finances et des autres minist\u00e8res qui ont \u00e9labor\u00e9 le projet de loi des finances pour 2026 ne savent plus sur quel pied danser. En effet, on est devenu capable de pr\u00e9voir la chose et son contraire dans deux […]<\/p>\n","protected":false},"author":2,"featured_media":139027,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[29,28],"tags":[],"class_list":["post-139026","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-actualites","category-economie"],"yoast_head":"\nD\u00e9cashing: le gouvernement schizophr\u00e8ne - L'expert Journal<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lexpertjournal.net\/fr\/?p=139026\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"D\u00e9cashing: le gouvernement schizophr\u00e8ne\" \/>\n<meta property=\"og:description\" content=\"Il est \u00e9vident aujourd\u2019hui que nous sommes face \u00e0 un gouvernement schizophr\u00e8ne. Les cadres du minist\u00e8re des finances et des autres minist\u00e8res qui ont \u00e9labor\u00e9 le projet de loi des finances pour 2026 ne savent plus sur quel pied danser. 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