The Impact of Financial Inclusion on Banking Stability- An Analytical Study in the Iraqi Banking Sector


  • Mohammed Hammad Safi Baghdad University, Iraq
  • Hichem Khlif Baghdad University, Iraq



Financial Inclusion, Banking Stability, Iraqi Banking Sector


This research examines the impact of financial inclusion, as indicated by its indicators, on banking stability. The Iraqi banking sector has been tested, and the main research problem revolves around finding appropriate ways to achieve financial inclusion that align with the Iraqi Central Bank’s policies, tailored to the Iraqi environment to achieve stability in the banking sector. The research was applied to the banking sector as a whole through quantitative and statistical data analysis from 2010 to 2021. The main hypotheses were tested to determine the impact relationships between research variables, to answer the research questions and achieve the set objectives. To analyze the data and information, various statistical methods were used using the statistical software (STATA13) and EXCEL, in addition to using the least squares method with the regression model for the hypotheses. The research yielded a set of results, indicating a significant partial effect of financial inclusion indicators on banking stability in this study. The results of the financial inclusion indicators in banking stability varied, and the sub-hypotheses were partially accepted, emphasizing a greater contribution of financial inclusion to it.


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How to Cite

Hammad Safi, M., & Khlif, H. (2023). The Impact of Financial Inclusion on Banking Stability- An Analytical Study in the Iraqi Banking Sector. American Journal of Applied Statistics and Economics, 2(1), 48–53.