AL-Qadisiyah Journal For Administrative and Economic sciences

The Effect of financial inclusion on enhancing banking sector profits for the period (2010-2021)

Authors

Aqeel Shakar Abd al –Shara
Maryam Sameer Jawad

University of Al-Qadisiyah

https://doi.org/10.33916/qjae.2025.Specialissue0210220
Abstract
analyze and measure impact of financial inclusion in enhancing the profits in Iraq for the duration (2010-2021) by demonstrating the contribution of financial inclusion to enhancing the profits of the banking banking , increasing bank deposits. Financial inclusion helps achieve financial stability for the banking sector by increasing the banking sector's ability to expand its investments, by following different methods to attract customers, which lead to an more in deposits , thus an increase in bank profits. The profits achieved by banks reflect the, extent of the bank's, ability to invest its funds in various investments to generate profits. used the descriptive , analytical approach, and used modern standard models (ARDL), and this was done (quarterly) data , for the period (2010-2021), using , statistical program (Eveiws 13). The research reached a set of conclusions, the more important of which, was that there is a direct relationship with a significant impact between financial inclusion and the profits of . The study also recommended the necessity of the banking sector to increase the number of bank branches and points of sale. And ATMs and ensuring their spread in various areas, especially remote ones, to attract more customers and thus increase the profits of the banking sector.

Keywords

Financial inclusion
banking profitability
Crossmark
AL-Qadisiyah Journal For Administrative and Economic sciences
Volume 26, Special 1
Winter 2026
Pages 210-220

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