مجلة دراسات وأبحاث اقتصادية في الطاقات المتجددة
Volume 10, Numéro 1, Pages 457-480
2023-05-15
The Role Of Financial Inclusion In Reducing Poverty And Inequality In The Select Arab Countries In Period (2004-2020)
Authors : Douma Hasnia . Bendob Ali .
Abstract
To promote access to bank accounts and formal financial services, Arab governments are trying to reinforce financial inclusion. This may lead to mortgage accumulation of debt or default, and other loans or even cases of insolvency and bankruptcy ;if people do not have the financial skills and abilities available. Within the Arab region of the world ,financial inclusion has reached its lowest level .As statistics show the percentage of adult in Arab countries do not have access to formal financial services .It reached around 70 % (168 million people), and this percentage stands at 76 % among women, and 93 % of poor and low-income classes . In 2014, just 29%of the population of the country had accounts with financial institutions .well- functioning insurance, payment items, credit, risk management and are likely to support the vulnerable. Those that have broad access to adequate financial Arab governments are seeking to strengthen financial inclusion to facilitate access to bank for vulnerable individuals and groups are inclusive financial structures; For exemple, acess to structured savings and credit systems and investment in productive activities, such as education or entrepreneurship, can be facilitated .Without such access, people rely on their limited informal economies to invest in their education. Financial inclusion has also been recognized by the G20, particularly as it relates to financial sector regulation and supervision as a result of financial reforms. The group considered it to be of the fundamental elements of financial stability following the 2008 global crisis; it has a major effect on optimizing the production of financial transactions for dependent countries by attaching to their flows an official character.This article explores the role of financial inclusion in reducing income inequality and poverty in the Arab region .By testing from 2004 to 2020,the relationship between the index financial inclusion, and the Gini coefficient, and the ratio of poverty in the select Arab countries. Using of a panel data the cross-sectional linear regression model. The key finding is that the relationship between financial inclusion and the Gini coefficient, and poverty negative and important, suggesting that financial inclusion in selecte countries studied decreases income inequality and poverty.
Keywords
Financial Inclusion, ; Income inequality ; poverty ; panel data ; Arab Countries
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