تأثير الشمول المالي على کفاية رأس المال للبنوک المصرية | ||||
| المجلة العلمية للدراسات التجارية والبيئية | ||||
| Article 36, Volume 12, Issue 4, October 2021, Page 297-321 PDF (861.05 K) | ||||
| Document Type: المقالة الأصلية | ||||
| DOI: 10.21608/jces.2021.218410 | ||||
 View on SCiNiTO | ||||
| Authors | ||||
| منى مهدي محمد عباس* ; محمد أحمد لطفي وهدان* 1; أميرة سيد محمد جاد الرب* 2 | ||||
| 1أستاذ إدارة الأعمال المساعد کلية التجارة جامعة عين شمس | ||||
| 2مدرس إدارة الأعمال کلية التجارة جامعة قناة السويس | ||||
| Abstract | ||||
| الملخص : تهدف الدراسة إلى تحديد تأثير الشمول المالي على تأثير الشمول المالي على کفاية رأس المال للبنوک المصرية وذلک بالتطبيق على عينة مکونة من 18 بنکًا خلال الفترة من عام 2013 وحتى عام 2019، وقد أستخدمت الباحثة أسلوب تحليل الانحدار المتعدد وفقاً لنموذج العزوم المعممة للبيانات الجدولية Generalized Method of Moments (GMM Panel). بالإضافة إلى نموذج الانحدار الحصين Robust Regression، وفي ضوء البيانات المتاحة أشارت النتائج إلى وجود تأثير معنوي للشمول المالي على کفاية رأس المال. Abstract : Due to the interest of international organizations in financial transformation, at the top of the list of central banks and international monetary institutions, the Egyptian state sought to expand financial inclusion through the directives of the Central Bank of Egypt to expand the base of those financially included, which would have required the banking sector to invest its assets in that regard and as a result there was a question that imposes The same, which is represented in the research problem, does the expansion of investment in financial inclusion policies constitute a threat to the Egyptian banking sector? Nevertheless, the researcher formulated several hypotheses, and there is no significant effect of financial inclusion on capital adequacy, asset quality, profitability, liquidity, as well as sensitivity to market risks. The research aimed to verify the validity of the hypotheses by conducting a statistical method, and the researcher used the E-views program. Due to the researcher's reliance on secondary quantitative data, and the researcher did not rely on primary descriptive data to give better results and greater value for the research, the researcher concluded that there is no significant statistical effect of financial inclusion on all the aforementioned variables except for the rate of capital adequacy, and the study concluded that There is a positive impact of financial inclusion on capital adequacy | ||||
| Keywords | ||||
| کلمات افتتاحية: • الشمول المالي Financial Inclusion • الأداء المالي Financial Performance • کفاية رأس المال Capital Adequacy • جودة الأصول Assets Quality • الربحية Profitabi; during the period from 2013; 2013; 2013 and 2013 moments (GMM panel). In addition to the hippocampal regression model; strong regression; best for family; study; family; family. Opening words: • Financial Financial Inclusion • Financial financial performance performance • Capital Adequacy • Asset Quality Asset • profitability profitability • Liquidity Liquidity • Market sensitivity to market risks Manag | ||||
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