دور الاشتمال المالي في تحفيز الاقتصادي الفلسطيني The Role Of Financial Inclusion In Activating The Palestinian Economic

Abstract The study aims at identifying the role of banking spread and financial inclusion in the Palestinian economy during the period (1995 - 2014).This is by reviewing the concept of financial inclusion, its importance and its objectives, in addition to learning about the world bodies to establish standards of financial inclusion. Then it analyzes the role of banking system in achieving financial inclusion in Palestine, and identifies its level compared to some neighboring countries. It also discusses the challenges and opportunities it faces in Palestine and ways to improve the force of financial and banking services to all segments of society, and it demonstrates the impact of financial inclusion on the Palestinian economic activity as will. The study relied on a descriptive and analytical approach in analyzing the various aspects of the role of banking spread and financial inclusion in the Palestinian economy, also The researcher used Econometrics to test The study hypotheses, and determine the relationship between the variables of the study and the construction of a multi-linear regression model which directly shows the relationship between the independent variables represented in the (banking branching, and the public deposits, credit facilities, and the number of workers) and the dependent variable represented in the GDP. The work concluded a set of important results mainly, a positive relationship between the banking branching and spread of the financial and banking services to all segments of society, especially the poor and low-income classes, and the presence of a positive impact on the spread of financial and banking services to mobilize savings and increase in deposits from the public. It turns out that the deposits will play a positive role in increasing the GDP, and this is fully compatible with macroeconomic theory, that meats the nature of the Palestinian economy. Finally, The study recommended the necessity of creating financial services that should be presented without bank branches, a means of improving chance for the poor people to get financial services, increasing the interest of spreading bank awareness and defining the financial products and giving advice to its agents of money management, debts, savings and credit in an effective way as well as encouraging the geographical distribution for banks especially in rural and remote areas, to facilitate the delivery of banking services to the excluded groups