الشمول المالي في الجزائر بين إتاحة و استخدام الخدمات المالية : دراسة مقارنة بين الجزائر و تونس و المغرب

الملخص EN

In our research, we examined the problem of enabling consumers of financial services to use the financial services offered by their producers (from different segments and regions) to increase the efficiency of the productivity of production factors and reduce the costs of alternative opportunities.

Therefore, we conducted a comparative study between Algeria, Morocco and Tunisia in terms of standards of availability and use.

In terms of availability indicators (which represent the supply of financial services), indicators of the development of the banking network in Algeria were tracked through: the number of electronically connected agencies, the evolution of the population of each banking agency, the number of employees per bank window, the development of automatic teller machines, the development of commercial bank branches.

As for the use side (i.

e.

the demand side for financial services), it has emerged from the development of the patterns of deposits according to their nature that most of them are on demand and do not contribute to financing exploitation or investment, with the development of the ratio of non-performing bank loans to total loans, borrowers from commercial banks, The development of broad money supply ratio of GDP, deposit interest rate (%), domestic credit provided to the private sector, depth of credit information index.

Algeria's lag was demonstrated in each of the criteria, despite its progress in per capita gross national income.

When comparing the documents required to hold a bank account between Algeria, Tunisia and Morocco, it was found that neighboring countries grant greater facilities to consumers of financial services, which indicates the need to activate these initiatives to orb the cash mass.