المحددات المؤثرة في مستوي الشمول المالي في العراق للمدة "2004-2020"

Abstract EN

The aim of the research is to measure the most important determinants of financial inclusion in Iraq, through the use of financial inclusion indicators, which were represented by a set of dependent variables, which are three main dimensions that include the availability of services, which was expressed by the number of banking branches, the accessibility of services, and it is measured by the volume of deposits with banks As well as the indicator of the use of services, which is measured by the volume of credit as a percentage of the gross domestic product.

As for the independent variables that were used as specific indicators of financial inclusion in Iraq, they are the number of employees, the interest rate, the number of people in rural areas in addition to the per capita GDP.

The research found a significant effect of the independent variables on financial inclusion in Iraq.

The research recommended the need to take all means and measures by the government to help enhance financial inclusion and remove all obstacles that limit the spread of services provided by banks and financial institutions.