THE IMPACT OF DIMENSIONS OF FINANCIAL INCLUSION IN ENHANCING THE BANKING PROFITABILITY "AN APPLIED STUDY OF A SAMPLE OF EGYPTIAN COMMERCIAL BANKS" FOR THE PERIOD (2012-2020)

Authors

  • Dahham Lateef Dahham Lecturer Tikrit University-College of Administration and Economics

Keywords:

financial inclusion, profitability, Egyptian commercial banks

Abstract

The study aimed to measure the impact of financial inclusion on the profitability of commercial banks by taking a sample of public banks in the Egyptian market in the period from (2012 to 2020). With the criterion of using banking services and the criterion of accessing banking services, in contrast, the profitability of commercial banks was measured using the return on ownership and the return on assets, and it was concluded that financial inclusion is statistically significant on the return on assets and the return on ownership. The study recommended building a national strategy to enhance financial inclusion in Egypt and conducting more studies using other indicators of the performance of commercial banks.

References

Abu Dayyah, Majid Mahmoud, “The Role of Banking Spread and Financial Inclusion in Palestinian Economic Activity,” Master Thesis, Faculty of Economics and Administrative Sciences, Department of Economics, Gaza, 2016

-Al-Araji, Thuraya Abd al-Rahim Ali and al-Araji, Sabyan Tariq Saeed, “Economic Measurement of the Impact of Financial Inclusion on Banking Stability in Iraq,” Journal of Economic and Administrative Sciences, Volume 26, Issue 119, Iraq, 2020.

-Al-Amin, Noreen Magdi, “Financial Services between Exclusion and Inclusion,” The Banker’s Magazine, published by the General Department for Policies, Research and Statistics, Central Bank of Sudan, Issue 77, 2015

-Al Hayali, Walid, "Studies in Contemporary Accounting Problems", Dar Ahmed for Publishing and Distribution, Amman, Jordan, 2007

-Al-Khair, Zyoush, “The Role of Human Resources Accounting in Raising Financial Performance: A Case Study of the Commercial Industrial Complex,” Mohamed Boudiaf University, Faculty of Economic, Commercial and Management Sciences, Algeria, 2021.

-Al-Zubaidi, Muhammad Nehme and Khudair, Janan Muhammad, “Financial Inclusion and Foreign Direct Investments / Obstacles and Solutions”, Al-Warth Scientific Journal, Volume 3, Issue 7, Iraq, 2021

-Al-Fatlawi, Reyam Fadel Shaker and Al-Shammari, Kamal Kazem Jawad, “The Impact of Financial Inclusion on Capital Adequacy Indicators (Iraq as a case study for the period 2010-2016)”, Ahl al-Bayt Magazine, peace be upon them, No. 30, Holy Karbala, 2020.

-Al-Nama, Nagham Hussein and Hassan, Ahmed Nouri, “The Role of Financial Inclusion in Providing Financial Support to Women in Iraq,” Iraqi Journal of Market Research and Consumer Protection, Volume 11, Issue 2, Baghdad, 2018

-Hadfi, Abdel Karim Zouhair and Said, Mohamed, (2019) “Limited Lending and Financial Inclusion in Algeria” Irsad Journal of Economic and Administrative Studies, Volume 2, Number 1, Algeria.

-Hassan, Amani Hadi and Hashim, Hashim Ali, “The extent to which the factors determining the financial structure affect financial efficiency: a study of a sample of Iraqi companies registered in the Iraq Stock Exchange,” Journal of the College of Administration and Economics, Basra, Volume 26, Issue 119, 2015

-Hamdi, Zahraa Salih, “The importance of financial technology in enhancing the financial inclusion of banks, with reference to international experiences,” Anbar University Journal of Economic and Administrative Sciences, Volume 12, Issue 28, Iraq, 2020.

-Dardour, Asmaa and Harakat, Said, (2020) “Measuring the Impact of Financial Inclusion on Economic Growth in Algeria,” Strategy and Development Journal, Volume 10, Issue 4, Algeria.

-Shukrine, Mohamed, (2021) “The Covid-19 Crisis is a Catalyst for Promoting Digital Financial Inclusion in Algeria,” Journal of Human Resources Development, Volume 16, Number 1, Algeria.

-Schneiter, Abd al-Rahman Taher and Muhammad, Nisreen Jassim, “The Impact of Financial Transparency on Financial Inclusion/Analytical Research in the Rafidain Bank,” Tikrit Journal of Administrative and Economic Sciences, Volume 16, Issue 50, Salah al-Din, 2020.

-Abdel Rahman, Hayaj, “The Impact of Management Control on Raising the Level of Financial Performance,” Master Thesis, Kasdi University, Faculty of Economic, Commercial and Management Sciences, Algeria, 2012.

-Farid, Reem Mohamed, (2020), “The Impact of Financial Inclusion on Credit Risks in Banks: In the MENA Region,” The American University in Cairo.

-Muhammad, Khalaf Muhammad and Salah, Yaqeen Samah, “The Effectiveness of Financial Inclusion in Promoting Monetary Stability in Iraq for the Period 2004-2017,” Tikrit Journal of Administrative and Economic Sciences, Volume 16, Issue 50, Salah al-Din, 2020.

-Muhammad, Muhammad Jassim, “The Role of Financial Technology in Achieving Financial Inclusion: A Study of a Group of Arab Countries for the Period (2014-2018)”, Gulf Economic Journal, Issue 44, Basra, 2018.

-Nima, Samir Fakhri and Al-Shalal, Muhannad Aziz Muhammad, “Building an index to measure the individual performance of banks in the field of financial inclusion,” Kurdistan International Bank for Investment and Development, a case study, Tanmiat Al-Rafidain Journal, Volume 38, Issue 121, Iraq, 2019. 20-Huda, Bouiba, “Assessing the Financial Efficiency of an Economic Institution in Light of Global Quantitative Models, A Case Study of the Industrial Complex,” Master Thesis, Faculty of Economic, Commercial and Management Sciences, Major in Accounting Finance, Algeria, 2021.

-Bayaraa Batchimge , " Financial performance determinants of organization : the case of mougolan companies " , journal of competitiveness , vol 9 , issue 3 , 2017 .

-Goetsch, David & Daivs , stanley , " Quality management for organizational excellence " 6th ed Prentice Hall, new Jersey , 2010 .

-Guptea, Rajang , Venkataramanib , " Computation of Financial inclusion index for India ) , 2012 .

-Joshi, Chetanbhi & Rajpurohit, " Awareness of Financial Inclusion : An Empirical study mural " , international journal of multidisciplinary , Vol .1, issue .6, 2016 .

-Nuryaman , " the Influence of Intellectual Capital on the firm value with the financial performance As Intervening Variable , Procardia , social and behavior Sciences , 2015 .

-Obafemi, Frances & Others , " Financial Deepening and Domestic Investment in Nigeria" , international journal of economic and finance , vol.8, no, 3 , 2016 .

-Shahmehr , F . S , safari , N , " The impact of performance management on mission statement and operational goal setting " , international journal of business and management , (11) , 2014 .

https://data.albankaldawli.org/indicator.

https://fount.aucegypt.edu/etds

Downloads

Published

2023-06-21

How to Cite

Dahham Lateef Dahham. (2023). THE IMPACT OF DIMENSIONS OF FINANCIAL INCLUSION IN ENHANCING THE BANKING PROFITABILITY "AN APPLIED STUDY OF A SAMPLE OF EGYPTIAN COMMERCIAL BANKS" FOR THE PERIOD (2012-2020). World Economics and Finance Bulletin, 23, 154-164. Retrieved from https://scholarexpress.net/index.php/wefb/article/view/2932

Issue

Section

Articles