جستجوی مقالات مرتبط با کلیدواژه « شمول مالی » در نشریات گروه « مالی »

Many developing countries, due to the lack of good governance, government ownership of a large part of the financial system, inefficient banking services, lack of resources, the existence of a dual structure of the financial sector (formal and informal) and the dominance of the informal sector, financial institutions and institutions from They do not have optimal performance. Accordingly, the purpose of this article is to investigate the role of good governance in relation to public spending, financial inclusion and economic growth. For this purpose, the panel threshold approach (PSTR) was used based on the annual data of selected countries of the MENA region during the period of 2000-2021.
The results of estimating the linear part of the model (first regime) show that financial inclusion has had positive effects on economic growth in the studied countries. It can also be seen that the increase in public spending can lead to an improvement in the level of economic growth in the studied countries. The estimation results of the nonlinear part of the model (second regime) show that the positive effect of financial inclusion variables and public expenditures on economic growth will occur in the presence of a good governance system. By comparing the coefficients of the model in two different regimes, it can be seen that when the level of good governance passes the threshold (1.03) (transition from the linear to the non-linear part), the reaction of the economic growth index to the changes of this variable will increase sharply.

One of the fundamental principles in the financial system for economic development and poverty reduction is financial inclusion, which is in line with the principles of justice and equality in the Islamic financial system. Financial inclusion refers to the accessibility, availability, and usage of the formal financial system by all members of an economy. Therefore, financial inclusion is a multi-dimensional phenomenon that requires effective supervision. Effective supervision not only strengthens the stability of banks but also ensures economic growth and builds trust in the financial system. One way to build trust is through the enactment and enforcement of laws that protect the interests of all stakeholders in a comprehensive economy.Therefore, the aim of this research was to present a model for analyzing the impact of central bank regulatory laws and financial technology on financial inclusion in the interest-free banking system in Iran. This study used a new approach to estimate the financial inclusion index. The research findings indicated that the regulatory laws of the central bank and financial technology are effective in developing financial inclusion. Furthermore, the research findings suggest that the development of financial technology, especially in the banking industry in recent years, has led to the expansion of financial inclusion in Iran, creating fair and equal access to financial products and services for individuals in society, which is the main goal of financial inclusion, and with the expansion of financial inclusion, financial deprivation in society has decreased.

Financial inclusion means the extent of the level of access of people in the society to financial services and it is important for countries as a measure to measure financial development and economic growth. Governments have gone towards the use of financial technologies to develop financial inclusion in the society. Therefore, the purpose of this research was to investigate the impact of fintech on financial inclusion in Iran, and the relationship between them was discussed by presenting a model. The data related to financial inclusion and financial technologies were collected from the website of Central Bank of Iran in the period between 2006 and 2022. The research hypotheses were analyzed based on a linear regression model of the OLS method. The results of the model showed that there is a positive and significant relationship between fintechs and financial inclusion. The findings of the research show that the development of fintechs in the banking industry, especially in recent years, has led to the development of financial inclusion in Iran and fair and equal access to financial products and services for people in the society (which aims the main one is financial inclusion) and with the expansion of financial inclusion, financial deprivation in the society has decreased.

This study seeks to investigate the effect of variables and data related to people's social network on their credit score. In this study, two main goals are pursued: reducing information asymmetry and increasing financial inclusion. Achieving the above goals is done by finding meaningful information about people's social data to measure how such data affects their credit score. The basic hypothesis of this study is that people with a high credit score have social relationships with people who are similar and of the same age. A data set of more than 300,000 loans that have been paid by an Iranian bank to real people has been used to confirm and explain the effect of social network variables on credit score. In order to determine the variables of the study, an in-depth interview was conducted with a number of banking experts and people actively involved in the field of credit scoring, and at the end, the variables were determined and classified into three categories: financial, behavioral, and social. The study continued with the logistic regression method and finally with various regression models based on deep machine learning, including gradient. The results of the analyses conducted using the logistic regression method show that, statistically, people's social variables can predict the probability of their loan default. The results of machine learning algorithms also indicate that social network information can significantly improve the performance of loan default prediction.

New financial technologies strengthen the financial system to provide smarter, more agile and broader services. The widespread influence of new financial technologies has changed people's lifestyles as well as banking rules. Leading companies in the field of financial technology are covering more and more parts of the value chain of banks every day. One of the main conditions in the discussions of economic growth is the discussion of public access to financial services (financial inclusion), which is in line with the principles of justice and equality in the Islamic financial system. Another important benefit of fintechs is financial transparency, which is emphasized by most stakeholders. The present study has been conducted with regard to the importance of the financial services sector and the transformative capacity of new technologies in promoting banking services in the direction of economic development of the country and the role they play in their survival and competitiveness. In terms of purpose-based classification, this research is of applied research type and in terms of data collection, it is of survey type. For data analysis, heuristic factor analysis method and SPSS and Amos software were used. The results of the questionnaires have been approved for model design. The findings show that the independent variable called new financial technologies, through indicators of cost reduction, improvement of financial services, revenue growth, financial security, financial transparency, asset management, increase in cash flow, reduction of information asymmetry and time dependent auditing on the variable (Banks' ecosystem), is especially effective in interest-free banking in Iran.