AL-Qadisiyah Journal For Administrative and Economic sciences

Exploring the Impact of Financial Inclusion on Banking Stability in Iraq for the Period (2010-2023) Using Modern Statistical Methods

Authors

Nazar Kadhim Sabah Al-Khaykanee 1
Saif Hosam Raheem 1
ealya' hunayzal hasan 2

1 University of Al-Qadisiyah

2 University of Karbala

https://doi.org/10.33916/qjae.2025.Specialissue0234245
Abstract
This research aims to explore the impact of financial inclusion on banking stability in Iraq from 2010 to 2023, relying on modern statistical methods for data analysis. The study highlights the importance of financial inclusion as a key factor in enhancing the stability of the banking system, as it provides access to financial services for a wide range of the community, thus expanding the customer base and reducing financial risks. A variety of modern measurement methods were used to test the relationship between indicators of financial inclusion, represented by the access to financial services index, and the rate of non-performing loans as an indicator of banking stability. Descriptive and quantitative analyses were conducted, revealing a strong positive relationship between increased levels of financial inclusion and improved banking stability. The research concludes that enhancing financial inclusion can contribute to building a more stable and resilient banking system, supporting sustainable economic growth. It also offers recommendations for policymakers in the financial sector, urging the development of policies that promote financial inclusion and strengthen the stability of the banking system in Iraq.

Keywords

Iraq
financial inclusion
banking density
banking penetration
non-performing loans
Crossmark
AL-Qadisiyah Journal For Administrative and Economic sciences
Volume 26, Special 1
Winter 2026
Pages 234-245

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