تأثير الشمول المالي علي الأداء المالي للبنوك التجارية: دراسة اختبارية علي الدول النامية

Abstract

This research aims to measure the impact of financial inclusion on the financial performance of commercial banks in developing countries. To achieve this objective, an empirical study was conducted on commercial banks in 39 developing countries in the period from 2004 to 2021. Pooled regression, random and fixed effect models were used by conducting annual cross-sectional data from the Federal Reserve Economic Database and the World Banks Database. The results showed that there is a statistically significant positive relationship between access to financial inclusion through bank deposits and bank performance, which indicates that the high rate of deposits enhances bank performance. Moreover, there is a statistically significant positive relationship between the usage of financial inclusion through outstanding loans and bank performance, which indicates that the high rate of loans allow the banks to fund more operation, consequently, enhancing the bank performance. In addition, there is a statistically significant positive relationshipThe effect of financial inclusion on the financial performance of the … Dr/ Rehab EmadEldeenbetween the availability of financial inclusion through ATMs and branches and bank performance, which indicates that using more ATMs and bank branches increases the chance of financial inclusion to reach the unbanked, which helps enhance bank performance. Therefore, the research recommends raising the rate of loans and deposits and launching more ATMs and bank branches to increase financial inclusion and improve the bank's performance. These insights are consistent with theorists and scholars worked on each dimension separately.