قياس العلاقة بين الشمول المالي و رأس المال البشري في العراق للمدة (2010-2019)‎ باستخدام نموذج Ardl

Abstract EN

The research methodology was based on the basis and theories supported by the quantitative analysis based on the use of the ARDL model for periods of time 2010-2019 to study the analysis of the impact of financial inclusion on sustainable human capital in Iraq, and the results of the model showed its opposition to the hypothesis of a expulsion relationship between the two, due to the impact of wars and internal shocks to the economy during the research period.

The results of the model indicated that there is an inverse relationship between independent variables and human capital in the short and long term and the possibility of modifying and balancing in just two and a half quarters, and the results supported the success of financial inclusion in Iraq for the coming years as a vision for the future to achieve this through salary settlement and accelerated technological development and reached long-term flexibility (0.

013) and this does not apply to the logic of economic theory.

The remaining is explained by other variables that are not included in the standard model and are included in the U random variable.

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