دور الكفاءة الذاتية المالية في العلاقة بين المعرفة المالية للمصريين و شمولهم المالي

الملخص EN

Aim of the Paper : this study aimed to investigate the impact of Egyptians’ financial literacy on their financial inclusion by testing the mediated role of financial self-efficacy.

Study Design : the study relied on the multiple regression method, as well as the methodology outlined by Baron and Kenny (1986) to test the mediated role of financial self-efficacy in the relationship between financial literacy and financial inclusion.

Sample and Data : the study used a questionnaire to collect data from a sample of 385 Egyptians (60 % males and 40% of females).

Results : the results showed a significant positive effect of financial literacy on financial inclusion.

Also, the results showed that financial self-efficacy partially mediates the relationship between financial literacy and financial inclusion.

Conclusion : the study ended with a set of recommendations for decision makers in the state bodies at the level of education, media and financial institutions.

The recommendations aimed to enrich financial literacy among Egyptians and enhance their financial self-efficacy as a mechanism to improve the level of financial inclusion.