تحليل واقع الائتمان المصرفي والبطالة في الاقتصاد العراقي للمدة (2004-2020)‎

الملخص EN

The subject of bank credit is one of the very important topics in economic life in general and banking life in particular by providing the necessary funds to investors and providing the liquidity needed by the Iraqi economy.

the study was based on the financing provided by commercial banks to both local and foreign investors.

the study's importance is related to the banking industry's capacity to create an environment that is conducive to the employment of laborers.

with regard to the study's goal, it revolves around how much bank credit affects the unemployment rate as well as the roles that credit plays in relation to this variable.

there is a relationship between the monetary current in the Iraqi economy and the commodity and service stream represented by the demand for labor, which means that the possibility of activating and revitalizing the commodity sectors through cash credit and cash pledges.

the monetary variables and unemployment are integrated over the long term as independent variables, meaning that the unemployment problem can be addressed through monetary changes.

the researcher has made some recommendations, the most notable of which is probably that unemployment is a significant and complex issue, so the problem falls on the shoulders of all institutions dealing with money.

commercial banks contribute to lowering the unemployment rate, and bank credit should act as a catalyst for lowering the rising unemployment in Iraq.