Financial inclusion Effect on The Banking Sector Liquidity and Solvency Using Panel Regression Analysis

نوع المستند : المقالة الأصلية

المؤلفون

أكاديمية السادات للعلوم الإدارية

المستخلص

Financial inclusion is recognized as a critical driver for enhancing household well-being and economic development. It is necessary to also consider the impact it may have on the stability of banks and financial system. By improving access to essential financial services such as bank accounts, savings, and lending, financial inclusion aims to uplift disadvantaged groups. However, limited attention has been given to the impact of inclusive finance on bank soundness. This study seeks to examine the relationship between financial inclusion, banking sector liquidity, and banking sector solvency. The research findings highlight three key outcomes. Firstly, an increase in the number of ATMs positively affects banks' liquidity by enhancing customer accessibility. Secondly, the presence of bank branches, credit cards, and debit cards has a negative impact on banks' liquidity. Finally, the research findings indicate that the solvency of banks is damaged when there is a growth in the number of bank branches.

الكلمات الرئيسية

الموضوعات الرئيسية

المجلة العلمية للبحوث التجارية (جامعة المنوفية)
المجلد 51، العدد 4
العدد الرابع - الجزء الاول
أكتوبر 2023
الصفحة 113-142

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