تحديات الشمول المالي في الجزائر ومتطلبات تطويره The challenges of financial inclusion in Algeria and the requirements for its development

Souad Bouchlouche
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Souad Bouchlouche: University of Boumerdes (Algeria)

IJEP, 2022, vol. 5, issue 2, Pages : 579-594

Abstract: تهدف الدراسة إلى إبراز تحديات ومتطلبات تطوير الشمول المالي في الجزائر باعتباره عامل أساس ي في تحقيق أهداف التنمية المستدامة، وخلصت الدراسة إلى وجود تحسن ملحوظ في مؤشرات الشمول لمالي خاصة منذ جائحة كوفيد 10 . لكن رغم ذلك لا تزال مستوياته متدنية لجملة من العوامل التي تحد من استخدام الخدمات المالية الرقمية بصورة أشمل، مما يتطلب بذل المزيد من الجهود كدعم البنية التحتية الرقمية والمالية والتثقيف المالي. This study aims to highlight the challenges and requirements of developing financial inclusion in Algeria as a key factor in achieving sustainable development goals, and it concluded that there is a significant improvement in financial inclusion indicators, especially since the Covid 19 pandemic. However, its levels are still low due to a number of factors that limit the use of digital financial services, which requires more efforts such as supporting digital and financial infrastructure and financial education.

Keywords: Financial inclusion; Algeria; digitalization; financial sector; digital infrastructure; الشمول المالي; الجزائر; الرقمنة; القطاع المالي (search for similar items in EconPapers)
Date: 2022
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