The Role Of Financial Inclusion In Promoting Banking Profitability
Halah Fadhil Hussein AL-Hakeem
Post–Graduate Institute for Accounting and Financial Studies, University of Baghdad
Ali Sadi Mohammed Salih Al-Sadi
Post–Graduate Institute for Accounting and Financial Studies, University of Baghdad
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http://doi.org/10.37648/ijps.v18i01.010
Abstract
The research aims to clarify the nature of the relationship and the impact of the financial inclusion variable represented by (credit facilities, deposits) as an independent variable in enhancing the bank’s profitability represented by (the rate of return on credit facilities, the rate of return on deposits) as a dependent variable. The research sample is represented by (6) banks that were Choosing it from among (42) banks listed on the Iraq Stock Exchange, and these banks are (International Islamic Bank, Al-Arabiya Islamic Bank, Al-Janoob Islamic Bank, Al-Alam Islamic Bank, Nour Al-Iraq Islamic Bank, Zain Iraq Islamic Bank) that suit the research requirements and for the period ( 2018 - 2022) using annual financial statements based on the programs (Excel 2010 and SPSS V.26) to analyze the relationship and test the research hypotheses. The research reached the most important results, including the presence of a statistically significant effect of financial inclusion on the bank’s profitability, as it was able to explain approximately (44%).
Keywords:
financial stability; bank profitability
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