دور الشمول المالي في تحقيق النمو الاقتصادي في دول المغرب العربي : دراسة قياسية باستخدام نماذج Panel ARDL للفترة 2004-2020

الملخص EN

This study aims to estimate the impact of activating the financial inclusion policy on economic growth on 3 Maghreb countries (Algeria, Tunisia, Morocco) during the period from 2004-2020.

the economic growth represented financial inclusion with GDP Per Capita ; as for the variable of financial inclusion represented in the indicatores of access to financial services : the number of commercial bank branches and the number of automated teller machines (ATMs).

the (Panel-Data ARDL) model and the combined average group (PMG) method were used to study the sample, and the results of the study showed a positive and significant impact of the number of ATMs on economic growth in the long run, while in the short run the number of commercial bank branches are affects and positively.