The Effects of Financial Inclusion on Individuals’ Quality of Life in Morocco: A Study Conducted Using Multiple Correspondence Analysis (MCA)

Les effets de l’inclusion financière sur la qualité de vie des individus au Maroc: Une étude conduite à l’aide de l’Analyse des Correspondances Multiples (ACM)

Mouzoun Zakarya () and Ammi Anouar ()
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Mouzoun Zakarya: ENCG - UIT - ECOLE NATIONALE DE COMMERCE ET DE GESTION - KENITRA
Ammi Anouar: ENCG - UIT - ECOLE NATIONALE DE COMMERCE ET DE GESTION - KENITRA

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Abstract: This article explores the link between financial inclusion and quality of life in Morocco using Multiple Correspondence Analysis (MCA) on a sample of 120 individuals. Financial inclusion is analyzed through its three dimensions: access, use, and perceived quality. Results show that the first factorial dimension, explaining nearly 78% of the variance, is shaped by effective use, service quality, and education/personal development, demonstrating that inclusion depends more on appropriation than on simple access. The second dimension, representing 45% of the variance, underlines the crucial role of trust in financial institutions, where transparency and institutional relationships determine the depth of inclusion. Variables related to poverty and inequality reduction are weakly discriminant, suggesting impacts are mostly macroeconomic and long-term. The study reinforces the multidimensional nature of financial inclusion, highlighting often neglected variables such as trust and financial literacy, while stressing the need for policies focused on quality and financial education to achieve meaningful and sustainable inclusion in Morocco.

Keywords: Confiance institutionnelle; Littératie financière Financial inclusion; Quality of life; Multiple Correspondence Analysis (MCA); Morocco; Institutional trust; Financial literacy; Maroc; Analyse des Correspondances Multiples (ACM); Qualité de vie; Inclusion financière (search for similar items in EconPapers)
Date: 2025-10-15
New Economics Papers: this item is included in nep-ara, nep-fdg, nep-fle, nep-mfd and nep-pay
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Published in Revue Française d'Economie et de Gestion , 2025, 6 (10), pp.900-935. ⟨10.5281/zenodo.17382175⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05451263

DOI: 10.5281/zenodo.17382175

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