أثر الاستثمار في رأس المال البشري على تعزيز الشمول المالي في بعض الدول العربية للفترة (2004-2019)‎

Abstract EN

This study aims to identify the impact of human capital investment in enhancing financial inclusion in the economies of some Arab countries during the period 2004-2019.

To test the hypotheses, cross-sectional chain analysis (Panel Data) was used.

According to the statistical program Eviews9, The results of this study concluded: - Investment in human capital through education will be reflected in the level of financial awareness, digital knowledge, the level of technical awareness and the culture of using financial products among citizens, which makes them more in demand for financial services, It also works to raise the level of banking awareness by increasing dealing with banking institutions, which will be reflected in an increase in the rate of borrowing.