The Impact of Financial Inclusion on Bank Loans in Algeria-A Field Study on a Sample of Banking Institutions in the State of Algiers

Authors

Yasmina Kaci, Professor, Ahmed Zabana University, Relizane, Algeria

Abstract

This study aims to investigate the impact of financial inclusion on the banking loan industry through a field study conducted on a sample of banking institutions in the province of Algiers. The study involved preparing and distributing a questionnaire to 200 customers who hold accounts in these institutions. The questionnaire included 53 statements. The content was analyzed using the Statistical Package for the Social Sciences (SPSS), transforming qualitative responses from the study sample into quantitative data to address the issue of how financial inclusion affects banking loans. The results, segmented by the financial bodies used, showed that both the financial inclusion and banking loans variables are closely aligned from the respondents’ perspectives, with mean scores of 3.9954 and 3.9268, respectively, and low standard deviations of 0.44 and 0.43; this indicates a convergence in customers’ views towards agreement.

First Page

39

Last Page

55

Recommended Citation

Kaci, Yasmina (2025) "The Impact of Financial Inclusion on Bank Loans in Algeria-A Field Study on a Sample of Banking Institutions in the State of Algiers," Journal of King Abdulaziz University: Economics and Administration: Vol. 1: Iss. 1, Article 3.

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