أثر الشمول المالي على كفاءة البنوك في الجزائر باستعمال نموذج Dea و تحليل Panel Tobit خلال الفترة 2012-2019

الملخص EN

This research paper aimed to measure the impact of financial inclusion on efficiency of banks' in Algeria during the period 2012-2019 using DEA models with input orientation and Panel Tobit analysis.

The findings of our paper included that the study sample is technically inefficient during study period, and wasted 45.

4% from their resources, which indicates the importance to improve banking system efficiency.

In fact, Financial inclusion, size and liquidity ratios showed a positive effect on overall technical efficiency scores.

While, the use of the internet and credit indices were not statistically significant, which means financial inclusion is a good channel through which banking efficiency can be improved.