واقع الشمول المالي في الجزائر على ضوء بعض التجارب الناجحة : الإمارات العربية المتحدة و غانا- نموذجا

الملخص EN

This research paper came to answer the main problem, which mainly revolves around the reality of financial inclusion in the United Arab Emirates and Ghana, and how can Algeria benefit from their successful experience? Where we used the descriptive analytical method, First, to shed light on the theoretical framework of financial inclusion, and its role in achieving financial stability, increasing economic growth and combating poverty, while analyzing its reality in Algeria.

Where the study concluded that developing countries still suffer from deterioration and weakness in the field of financial inclusion, where notes the disparity in account ownership between the rich and the poor and between the Genders, with the exception of some countries, for example, the United Arab Emirates, which ranks first in the Arab world according to the World Bank's index of financial inclusion, With the exception of some countries, for example, the United Arab Emirates, which ranks first in the Arab world according to the World Bank's index of financial inclusion, and Ghana, which ranks second in Africa in the money market by mobile phone, and digital financial services contribute effectively to the promotion and popularization of financial inclusion, and this is what requires a financial and banking sector that depends on technology in the manufacture and marketing of financial products and services, which encourages Algeria to accelerate the development of its financial institutions, following the leading experiences in order to expand the field of inclusion financial and social development goals