نحو إطار مفاهيمي للشمول المالي و المصرفي الإسلامي : دراسة تحليلية لأبعاده و مؤشراته و تأثيراته

Abstract EN

This paper aims to highlight the efficiency of access to a secure and affordable formal financial and banking system in improving the living conditions of financially excluded clients.

This paper also uses the I-SIP theory to develop an integrated conceptual framework to help addressing barriers and constraints to financial inclusion policies, and presents financial indicators covering three dimensions (Access, Usage, Quality) from global surveys to measure the gap's size between supply and demand for appropriate financial and banking products.

Finally, the paper provides guidelines for researchers and policymakers to gauge the spread of Islamic financial services and its effects on individuals, firms, and the economy.

Balancing inclusion, stability, integrity and protection.