المحددات الرئيسة للشمول المالي في البلدان العربية

المؤلفون

  • بشار احمد العراقي
  • سمير فخري النعمة

الكلمات المفتاحية:

الشمول المالي، الاستبعاد المالي، التعليم المالي، أبعاد الشمول المالي، ، منهجية الانحدار الذاتي للفجوات الزمنية الموزعة.

الملخص

     يهدف البحث إلى تشخيص العوامل الرئيسة المحددة للشمول المالي في البلدان العربية, مستخدما المنطلقات النظرية والدراسات التطبيقية المتناولة لتلك العوامل والتي أطرت في معظمها ضمن اتجاهين أساسيين هما عوامل جانب الطلب (الدخل, العمر, التعليم, الجنس, التحضر, التوظف, وأخرى) وعوامل جانب العرض (المسافة, اللوائح, غياب المنتجات المناسبة, المخاطر, وأخرى), أضيف إليهما اتجاها آخر يمثل عوامل البيئة الاقتصادية والمالية والقانونية للدولة ( أطر مؤسسية , أنظمة  قانونية, واستقرار سياسي, وأخرى). ولدعم الأطر والمنطلقات النظرية بالتحليل الكمي وظفت منهجية الانحدار الذاتي للفجوات الزمنية الموزعة(ARDL) , وباعتماد البيانات المزدوجة غير المتوازنة ((Panel Data Unbalance لسبع عشرة دولة عربية للسنوات (2011, 2014, 2017). وقد أفصحت نتائج التقدير عن اشتراك متغير البنية المالية (X8) في تأثيره الإيجابي في المؤشرات الثلاث الممثلة للشمول المالي (AC) الذي يعبر عن النسبة المئوية للبالغين الذين يمتلكون حسابات جارية لدى المصارف أو أي مؤسسة مالية أخرى و (SC)الذي يشير إلى النسبة المئوية للبالغين الذين يمتلكون حسابات ادخارية لدى المصارف أو أي مؤسسة مالية خلال الـ 12 شهرا الماضية و(BC) الذي يعكس النسبة المئوية للبالغين المقترضين من المصارف أو من أي مؤسسة مالية خلال الـ 12 شهرا الماضية, كما مارس متغير الدخل (X1) تأثيرا إيجابيا في كل من (AC) و(SC) , ومتغير التعليم (X2) الذي اثر سلبا في (SC) و(BC) , ومتغير التصنيع (X9) الذي اثر إيجابيا في كل من (AC) و (SC).

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التنزيلات

منشور

2024-09-17

كيفية الاقتباس

بشار احمد العراقي, & سمير فخري النعمة. (2024). المحددات الرئيسة للشمول المالي في البلدان العربية. المجلة العراقية للعلوم الادارية, 15(60), 184–214. استرجع في من https://mail.journals.uokerbala.edu.iq:8443/index.php/ijas/article/view/2287