Cezayir'de Finansal İçermenin Banka Kredileri Üzerindeki Etkisi: Cezayir Vilayeti'ndeki Bankacılık Kurumları Üzerine Bir Alan Çalışması

Year 2025, Volume: 29 Issue: 1, 133 - 151, 25.03.2025

Yasmina Kaci

https://doi.org/10.53487/atasobed.1614067

Abstract

Bu çalışma, finansal kapsayıcılığın bankacılık kredi sektörü üzerindeki etkisini, Cezayir’in Algiers vilayetindeki banka kurumları örneği üzerinde gerçekleştirilen bir saha araştırması aracılığıyla incelemeyi amaçlamaktadır. Çalışma kapsamında, bu kurumlarda hesap sahibi olan 200 müşteriye anket hazırlanarak dağıtılmıştır. Anket, toplamda 53 ifadeden oluşmaktadır. İçerik analizi, Sosyal Bilimler için İstatistik Paketi (SPSS) kullanılarak gerçekleştirilmiş ve çalışma örnekleminden elde edilen nitel yanıtlar nicel verilere dönüştürülerek finansal kapsayıcılığın bankacılık kredileri üzerindeki etkisini ele almak için değerlendirilmiştir. Sonuçlar, kullanılan finansal kurumlara göre ayrıştırıldığında, finansal
kapsayıcılık ve bankacılık kredileri değişkenlerinin katılımcıların perspektifinden yüksek bir uyum içinde olduğu görülmüştür; bu değişkenler sırasıyla 3.9954 ve 3.9268 ortalama puanlara ve 0.44 ile 0.43 gibi düşük standart sapmalara sahiptir. Bu bulgular, müşterilerin görüşlerinin büyük ölçüde mutabık olduğunu ve belirgin bir yakınsama gösterdiğini ortaya koymaktadır.

Keywords

: Finansal İçerme, Bankacılık Kredileri, Bankacılık Sistemi, Bankacılık Kurumları.

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The Impact of Financial Inclusion on Bank Loans in Algeria: A Field Study on a Sample of Banking

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.

Keywords

financial inclusion, Banking Loans, Banking System, Banking Institutions

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