مجلة المنتدى للدراسات والابحاث الاقتصادية
Volume 10, Numéro 1, Pages 466-481
2026-06-04

Financial Inclusion In Algeria: An Overview And Constraints



Authors : Atmani Yasmine . Ziani Lila . Azri Khoukha .

Abstract

This study offers a diagnostic assessment of the current state of financial inclusion in Algeria, drawing on the principal available indicators while identifying the binding constraints that impede its expansion. The empirical evidence indicates that, not withstanding governmental initiatives aimed at fostering financial inclusion, the overall level remains comparatively low relative to peer countries. The constraints identified include, inter alia, inadequate banking infrastructure in rural and remote areas and entrenched institutional distrust toward the financial system and weak adaptability of available financial products. In light of these findings, the study argues for the design and implementation of a coherent and equitable national strategy predicated on enhanced coordination between public and private stakeholders and sustained awareness-raising efforts to strengthen financial literacy across the population.

Keywords

Financial inclusion ; Algeria ; Binding constraints ; public and private stakeholders ; Financial literacy

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