Revue Les Cahiers du POIDEX
Volume 15, Numéro 1, Pages 391-413
2026-06-03

Exploring The Role Of Islamic Finance In Promoting E-commerce Adoption In Algeria: An Ardl Econometric Analysis (2018-2025)



Authors : Berkani Salim . Benhammouda Fatma Zohra .

Abstract

This paper investigates the relationship between Islamic finance development and E-commerce adoption in Algeria over the period 2018-2025. An Autoregressive Distributed Lag (ARDL) bounds testing approach with Granger causality analysis is employed using annual time-series data. The bounds test confirms a long-run equilibrium relationship between Islamic finance size, internet penetration, and e-commerce adoption. The results indicate that Islamic finance exerts a positive and substantial influence on E-commerce growth. The error correction mechanism demonstrates rapid adjustment to equilibrium following short-term disturbances. Granger causality tests reveal bidirectional causality between the two sectors, suggesting a mutually reinforcing virtuous cycle. Robustness checks through FMOLS and DOLS confirm the stability and reliability of these findings. These results offer the first empirical evidence of the Islamic finance-E-commerce nexus in Algeria. The findings imply that integrated policy approaches supporting both sectors may generate positive spillover effects for digital economy development.

Keywords

Islamic Finance ; E-commerce ; Islamic Banking ; Digital Economy ; Financial Inclusion

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