Inclusiveness of the financial system of Ukraine in the context of national security and sustainable development

Mariya Khmelyarchuk ()
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Mariya Khmelyarchuk: Poznan University of Technology; Ivan Franko National University of Lviv

Bank i Kredyt, 2025, vol. 56, issue 1, 81-112

Abstract: This research aims to investigate the level of inclusiveness of the financial system of Ukraine in the context of determining its compliance with the strategic goals of the development of the Ukrainian national economy – national security and sustainable development. In connection with the bank-based financial system formed in Ukraine, we focused on the analysis of bank lending to the Ukrainian economy, especially in the context of the availability of credit services for business entities and households and on effective use of the potential of the Ukrainian banking system in stimulating economic growth and sustainable development. The results of the analysis showed limited accessibility of economic entities in Ukraine to bank credits, and therefore, an insufficient level of inclusiveness of the Ukrainian banking system. The main reasons for this situation are the inadequate institutional environment and institutional structure of the banking system of Ukraine as well as the insufficient activity of the credit channel of the monetary transmission mechanism. These key issues should be key positions in the formation of the national strategy of the inclusive financial system of Ukraine.

Keywords: financial inclusion; banking system; credit; credit risks; accessibility (search for similar items in EconPapers)
JEL-codes: E44 G21 G28 O16 (search for similar items in EconPapers)
Date: 2025
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Persistent link: https://EconPapers.repec.org/RePEc:nbp:nbpbik:v:56:y:2025:i:1:p:81-112

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