Finansal içerme ile finansal istikrar arasındaki ilişkinin belirlenmesi: Irak için bir uygulama
Yayınlanmış 25.09.2022
Anahtar Kelimeler
- Financial Inclusion, Financial Stability, ARDL Bounds Test
- Finansal İçerme, Finansal İstikrar, ARDL Sınır Testi
Nasıl Atıf Yapılır
Telif Hakkı (c) 2022 Melek YILDIZ- Kareem Qasım Awadh AWADH
Bu çalışma Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License ile lisanslanmıştır.
Nasıl Atıf Yapılır
Öz
Bu çalışmanın amacı finansal içerme ile finansal istikrar arasındaki ilişkinin ARDL sınır testi uygulanarak Irak özelinde tespit edilmesidir. Çalışmanın bağımlı değişkeni finansal istikrar endeksi (FIE) ve bağımsız değişkenleri ise ATM sayısı (ATM), bankacılık yayılımı (BYA), bankacılık yoğunluğu (BYO), kredi derinliği (KD) ve mevduat derinliği (MD)'dir. Ancak BYA ile BYO arasında yüksek korelasyon olduğundan çalışmada iki ayrı model kurulmuştur. Her iki modelin analiz sonucuna göre FIE ile ATM arasında kısa ve uzun dönemde negatif ilişki bulunmuştur. Yine her iki modelin analiz sonucunda FIE ile KD arasında kısa dönemde negatif yönlü ilişki olduğu tespit edilmiştir. Öte yandan birinci modelde FIE ile KD arasında uzun dönemde pozitif yönlü ilişki olduğu anlaşılmıştır. Son olarak ikinci modelde ise FIE ile MD arasında uzun dönemde pozitif yönlü ilişki olduğu görülmüştür.
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