دورالثقافة المالية في تعزيزالشمول المالي

Abstract

هدفتهذهالدراسةإلىإبرازواقعالثقافةالماليةودورهافيرفعمستوىالشمولالمالي،منخلالالتعرفعلىأهمالمفاهيمالمرتبطةبكلمنالثقافةالماليةوالشمولالمالي،إضافةإلىأبرزالمؤشراتالمستخدمةفيقياسهما. ولتحقيقأهدافالدراسةومعالجةإشكاليتها،تمالاعتمادعلىالمنهجالوصفيالتحليلي،معتصميماستبيانوُجّهإلىموظفيالبنوكالتجاريةبولايةغرداية،حيثبلغتعينةالدراسة (80) موظفًا. كماتمتحليلالبياناتواختبارالفرضياتبالاعتمادعلىالبرنامجالإحصائيR،وذلكلاستخلاصالنتائجالمتعلقةبطبيعةالعلاقةبينأبعادالثقافةالماليةوالشمولالمالي. وتوصلتالدراسةإلىمجموعةمنالنتائجالمهمة،أبرزهاوجودأثرذيدلالةإحصائيةللثقافةالماليةعلىالشمولالماليلدىموظفيالبنوكالتجاريةبولايةغردايةعندمستوىمعنوية (α=0.05). كماأظهرتالنتائجوجودأثرذيدلالةإحصائيةلكلمنالمعرفةالمالية،والنيةوالعقلانية،إضافةإلىالوعيوالإدراك،علىمستوىالشمولالماليلدىأفرادالعينةعندنفسمستوىالمعنوية،ممايؤكدأهميةتعزيزالثقافةالماليةبمختلفأبعادهافيدعموتطويرالشمولالماليداخلالقطاعالمصرفي. This study aimed to highlight the reality of financial literacy and its role in enhancing the level of financial inclusion by identifying the main concepts related to both financial literacy and financial inclusion, as well as the most prominent indicators used to measure them. To achieve the objectives of the study and address its problem statement, the descriptive-analytical approach was adopted. A questionnaire was designed and distributed to employees of commercial banks in Ghardaia Province, with a study sample consisting of 80 employees. Data were analyzed and hypotheses were tested using the statistical software R in order to determine the nature of the relationship between the dimensions of financial literacy and financial inclusion. The study reached several important findings, most notably the existence of a statistically significant effect of financial literacy on financial inclusion among employees of commercial banks in Ghardaia Province at the significance level (α = 0.05). The results also revealed a statistically significant effect of financial knowledge, intention and rationality, as well as awareness and perception, on the level of financial inclusion among the study sample at the same significance level. These findings confirm the importance of promoting financial literacy in all its dimensions to support and develop financial inclusion within the banking sector.