Financial inclusion Effect on The Banking Sector Liquidity and Solvency Using Panel Regression Analysis | ||
| المجلة العلمية للبحوث التجارية (جامعة المنوفية) | ||
| Article 22, Volume 51, Issue 4, October 2023, Pages 113-142 PDF (840.88 K) | ||
| Document Type: المقالة الأصلية | ||
| DOI: 10.21608/sjsc.2023.223676.1322 | ||
| Authors | ||
| أسماء أحمد فهمي أبوالقمصان* ; محمد سامح | ||
| أكاديمية السادات للعلوم الإدارية | ||
| Abstract | ||
| 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. | ||
| Keywords | ||
| Financial inclusion; liquidity; Solvency; Banking sector | ||
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