الشمول المالي في بعض الدول العربية (الواقع والتحديات)

Abstract

Improving financial inclusion will contribute to creating new job opportunities, thus reducing unemployment and poverty, improving income distribution and raising the standard of living, as the access of services and financial financing to various segments of society and business sectors has an effective role in addressing the problem of unemployment in the short and medium term and achieving economic growth, which represents the goal The basis that the current economic policies seek to achieve, and since the Arab countries face many economic and social problems such as the high level of indebtedness, poverty and unemployment, where statistics indicate that one-third of the population of at least six Arab countries live below the poverty line, which makes an urgent need to expand financial inclusion and provide loans and various financial services. Accordingly, the research aims to discuss the reality of financial inclusion in the Arab countries and its most prominent indicators and requirements available in the Arab countries, and the research reached several conclusions, including the weak banking spread of branches of commercial banks in the sample countries, as well as the decline in bank accounts and the high costs of banking services ... etc.