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August 20, 2026Journal of Financial Economic Policy

Empowering MENA’s future: how financial inclusion bridges the aging population and economic growth from public good theory

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Authors

IKIsmail KhanHRHaseeb Ur RahmanNRNaveed R. Rehman

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Overview

Econometric analysis finds financial inclusion boosts economic growth alongside working-age demographics in MENA nations, suggesting finance mitigates aging population challenges.

Key Points

  • Investigate how financial inclusion moderates the relationship between population age structure and economic growth through the lens of public good theory in the MENA region.
  • Analyzed macro-level panel data across 10 MENA countries (Algeria, Bahrain, Egypt, Jordan, Morocco, Oman, Qatar, Saudi Arabia, Tunisia, UAE) from 2002 to 2023.
  • Evaluated relationships using fixed-effects models, pooled regression, two-stage least squares (2SLS), and system generalized method of moments (GMM).
  • Financial inclusion significantly stimulated economic growth, whereas higher age dependency ratios negatively impacted growth.
  • The interaction between financial inclusion and the working-age population created a complementary catalyst for growth, displaying stronger effects in high-income countries than in lower-income countries.

Cite This Study

Khan et al. (2026) studied this question.

synapsesocial.com/papers/6a86b57f8a91293e6a1ccdbahttps://doi.org/10.1108/jfep-08-2025-0341
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