أثر الشمول المالي على النمو الاقتصادي في نيجيريا خلال الفترة 2005-2018

Abstract EN

Economic growth is one of the important economic indicators, which can be measured in several ways, including the GDP per capita, and on the other hand, financial inclusion is the appropriate option in financial transactions in light of the demands of health authorities in most countries of the world for social distancing to preserve public health in light of the Corona pandemic.

The financial inclusion resulting from digital financial services can also give a boost to economic growth, to study measuring the impact of financial inclusion indicators on economic growth in Nigeria during the period from 2005-2018.

The study found that there is a co-integration and a long-term equilibrium relationship between the independent variables and the dependent variable, and there is a direct effect of increasing the number of ATMs on the GDP per capita, as every increase in the number of machines by one machine will result in an increase in the value of GDP.

The increase in the number of commercial bank branches by one branch will result in an increase in the value of the GDP per capita at current prices denominated in US dollars by approximately $0.431.

There is a positive effect of the increase in the number of customers who obtained loans Of the commercial banks by 1,000 customers, it will result in an increase in the value of the GDP per capita at current prices, denominated in US dollars, by approximately $0.74.

There is a weak negative impact of the number of deposit accounts in commercial banks on the GDP per capita.

The study recommends working to make banking services more available from ATMs and bank branches until they reach the global average, reaching all segments of society and encouraging them to deal with the banking sector, with a focus on providing banking services and reaching marginalized groups in society and working to integrate them into the banking sector and encourage them to Using banking transactions, working to provide modern banking services through financial technology, technical solutions and working to reduce the cost of banking transactions on customers to increase the application of financial inclusion, working to spread financial culture, facilitation and facilitation for middle and low-income people to enter under the umbrella of the banking sector, deepening the use of Technology in all banking sectors and encourage innovation of new services to enhance financial inclusion