Measuring the impact of financial inclusion indicators on improving the level of financial well-being in Iraq for the period 2017-2024

Hatam Attieh, Karrar; Hadi Abdul Amir, Hussein; Hamid Hadi, Fadhel

doi:10.33916/qjae.2025.Specialissue0200209

	Measuring the impact of financial inclusion indicators on improving the level of financial well-being in Iraq for the period 2017-2024
AL-Qadisiyah Journal For Administrative and Economic sciences
Volume 26, Special 1, February 2026, Pages 200-209 PDF (739.07 K)
DOI: 10.33916/qjae.2025.Specialissue0200209
Authors
Karrar Hatam Attieh^* ¹; Hussein Hadi Abdul Amir^* ²; Fadhel Hamid Hadi^* ¹
¹University of Al-Qadisiyah
²University of Karbala
Abstract
The Paper aims to measure the impact of financial inclusion on a specific level of financial stakeholders in Iraq, identifying a mechanism for determining individuals' access to financial services in a fair and transparent manner in general, and the cost of both, leading to financial well-being, and all of them, To achieve the research objective, annual data for the Iraqi banking sector for the period (2017-2024) were used, The research problem was formulated, which refers to the following question: Do financial inclusion indicators affect the level of financial well-being?, To test the research hypothesis, the effect of the independent variable (financial inclusion) was measured, represented by its indicators (the spread of ATMs, bank accounts, banking density, banking penetration, total deposit volume, and total loan volume) on the dependent variable (financial well-being) through the gross domestic product, The research reached a set of results, the most important of which is (the existence of a statistically significant influence relationship between the financial inclusion indicators (X1, X2, X3, X5, X6) at a significance level of (0.05), As for the independent variable indicator (Y4), the results showed that there was no statistically significant relationship with the dependent variable indicator (gross domestic product) at a significance level of (0.05), The current study recommends the need to attract individuals suffering from financial exclusion by focusing on banking education and increasing banking awareness, as well as increasing the number of loans and accepting deposits by reducing interest rates and facilitating loan granting procedures, with the aim of increasing demand for banking services to achieve a high level of financial well-being.
Keywords
Financial inclusion; financial well-being; financial inclusion indicators

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