Abstract

Objectives: The study aimed to examine the relationship between financial inclusion variables and banking liquidity in Iraq during the period (2009-2022). Methods: The study adopted a descriptive approach and a standard approach based on statistical analysis to determine the relationship between the variables. The latest econometric methods were followed. The Autoregressive Distributed Lag (ARDL) model was used to analyze the relationship between the research variables using the Eviews:12 program. Results: The results revealed a positive, direct relationship between financial inclusion and banking liquidity in Iraq. The study also concluded that financial inclusion contributes effectively to the growth of banking liquidity in the Iraqi economy. Conclusions: The study results contributed to providing recommendations for taking measures and procedures to regulate practices in the banking system and understand the nature of its contribution to the Iraqi economy by working to deliver banking services to all segments of society, especially marginalized and poor groups. This requires improving the quality of services provided and raising the efficiency of internet networks used due to their positive role in growing banking liquidity.