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Title: Does Financial Inclusion Improve the Banks’ Performance? Evidence from Jordan
Authors: Shihadeh, Fadi
Hannon, Azzam
Guan, Jian
Ul Haq, Ihtisham
Wang, Xiuhua
Keywords: Financial inclusion
banks’ performance
financial institutions
Issue Date: 1-Mar-2018
Publisher: Emerald Publishing Limited
Citation: Shihadeh, Fadi Hassan, Azzam (M. T.) Hannon, , Jian Guan, , Ihtisham ul Haq, , Xiuhua Wang,(2018), Does Financial Inclusion Improve the Banks’ Performance? Evidence from Jordan, in John W. Kensinger (ed.) Global Tensions in Financial Markets (Research in Finance, Volume 34) Emerald Publishing Limited, pp.117 – 138
Series/Report no.: 34;
Abstract: This study investigates the relationship between financial inclusion (FI) and banks’ performance in the economy of Jordan using annual data of 13 commercial banks from 2009 to 2014. Performance is measured by gross income and return on assets (ROA) of these banks. To ensure the robustness of our results, we used six different measures of FI. These include credits for small and medium enterprises (SMEs), deposits for SMEs, number of ATMs, number of ATM services, number of credit cards, and new services. We found a significant impact of FI on ‘ performance when measured by gross income, and ROA, although our study displays different results when considering the effect of FI variables separately. Thus, FI contributes to enhance the banks’ performance. Therefore, the banks should devote more resources to increase FI as it benefits their profitability.
Appears in Collections:Business and Economics Faculty

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