سبل تعزيز الشمول المالي في المنظومة المصرفية الجزائرية

الملخص EN

High rates of financial inclusion allow achieving financial stability, stimulating economic growth, improving the level of well-being of individuals and reducing poverty, which called most countries to adopt a set of appropriate measures to increase it.

Financial inclusion is the state in which members of society are able to obtain financial services in an ongoing basis with reasonable coast and high quality that match with their financial needs.

Algeria, like most developing countries, still records low rates of financial inclusion and suffers from the negative effects of financial exclusion.

Therefore, the present paper attempts to identify the mechanisms that allow strengthening financial inclusion in the Algerian banking system, as it reached the need to adopt financial technology and digital solutions, eradicate financial illiteracy (financial education), and support Islamic finance in order to achieve better levels of financial inclusion.