دور الشمول المالي في تعزيز أداء القطاع المصرفي الجزائري: دراسة قياسية باستخدام نمودج Panel خلال الفترة (2004-2017)‎

Abstract EN

This study aims to highlight the role of financial inclusion in enhancing the performance of the banking sector in Algeria during the period 2004-2017, using the Panel model.

The study concluded the following most important results: There is an inverse relationship between the capital adequacy index, management quality and performance indicators, but the financial inclusion and liquidity index have a positive impact on all profitability indicators (ROA, ROE, NIM), Accordingly, we conclude that the banking awareness among individuals has increased and their contribution to the banking system has increased, which has allowed the banks to increase the acceptance of deposits and the granting of loans and the financing of the most productive and profitable investments, which inevitably led to an increase in the profitability of the banks.

Accordingly, this result reinforces the role of financial inclusion in developing the banking sector and encouraging economic growth in Algeria during the study period.