The Department of Economics at the College of Administration and Economics, University of Mosul, discussed on Monday, June 15, 2026, a Master’s thesis entitled: “Financial Inclusion and its Implications on Economic Growth for Selected Countries,” submitted by the student Rasool Ahmed Hashem, in Discussion Hall No. (2).

​The study aimed to analyze the impact of financial inclusion on economic growth for a number of selected countries during the period (2004–2024), based on the hypothesis that there is a significant relationship between financial inclusion indicators and economic growth that varies according to the type of indicator and the time horizon, thereby contributing to a better understanding of the role of financial services in supporting economic activity.

​The study reached a set of conclusions, most notably that financial access indicators do not affect economic growth in a uniform manner, as the nature and magnitude of the impact differ between spatial and demographic indicators, reflecting the importance of the measurement method in interpreting the relationship between financial inclusion and economic growth. The results also increased that inefficient geographical expansion of the banking infrastructure may increase operational costs without achieving an effective economic return. Conversely, indicators related to population density—such as the number of branches and ATMs per 100,000 adults—showed a more consistent positive impact, confirming that easing individuals’ access to financial services represents a key factor in stimulating economic growth.

​The Discussion Committee consisted of: Assistant Professor Dr. Sadoun Hussein Farhan – University of Mosul / College of Administration and Economics – Chairman, ​Assistant Professor Dr. Saraa Salem Daoud – University of Mosul / College of Administration and Economics – Member, Assistant Professor Dr. Fadwa Ali Hassan – Northern Technical University / Technical Administrative College – Member and Assistant Professor Ms. Rafah Adnan Najam – University of Mosul / College of Administration and Economics – Member and Supervisor.