العوامل المؤسسية المؤثرة على تعزيز الشمول المالي من وجهة نظر ذوي الاختصاص في الإدارات التنفيذية العليا في البنوك العاملة في فلسطين
محمد أحمد شاكر دودين
Mohammad Ahmad Shaker Doudin
The study aimed to Highlight on the role of institutional factors affecting the promotion of financial inclusion (strategy and planning, the role of the Monetary Authority, the rights of recipients of financial services, social responsibility, disclosure and transparency, equality, and financial education) from the point of view of specialists in the higher executive departments in operating banks In Palestine. In order to achieve the objectives of the study, the study used the descriptive approach, and the study population consisted of specialists in the higher executive departments in the banks operating in Palestine, and their number was (81) individuals, and a random, facilitated sample was taken from the study population consisting of (41) individuals, (36) were retrieved. A questionnaire of it suitable for analysis and study, and the study used in the analysis of the questionnaire data the statistical packages program (SPSSV.23). The study reached several results, the most important of which are: that all the institutional factors that have been studied are factors affecting financial inclusion in Palestinian banks, despite the difference and variation in the percentage and degree of influence of each factor on the other. The study also found that the most of these factors affect financial inclusion. It is the rights factor of recipients of financial services, which came in a high degree as it affects financial inclusion by (82.4%), and the least influential of these factors was the social responsibility factor, which came in a moderate degree, affecting (62.4%) on financial inclusion in banks operating in Palestine. The study also found that financial inclusion in commercial banks is more affected by these factors than in Islamic banks as a result of the diversification and multiplicity of financial services and products in commercial banks more than in Islamic banks. It also showed that there were no differences in the respondents' averages of answers about the institutional factors affecting financial inclusion due to demographic variables except for the type of bank, there were also differences in the axis of fair credit in favor of those in the two age groups (25-34) and (35-44), as well as in the strategy and planning axis for the benefit of those enrolled in training courses The results indicated that all financial services are officially available to all segments of society, and they are characterized by innovation and diversity in these financial services and products in an appropriate manner and at satisfactory prices to customers, and this is the essence of financial inclusion. The most important recommendations concluded by the study is to work on conducting awareness campaigns to explain the concept of social responsibility in banks, the dimensions of this factor and its principles, in addition to the need to take these factors into consideration in the strategic plans of banks operating in Palestine.