The Role of Credit Granted to the Private Sector In Addressing the Problem of Poverty in Iraq for the Period (2004-2020) Government Banks as a Model

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The Role of Credit Granted to the Private Sector In Addressing the Problem of Poverty in Iraq for the Period (2004-2020) Government Banks as a Model

Dr. Prof: Ghassan Tareq Dhahir1* and Mr. Amjad Hameed Atyia2

1,2 *Al-Muthanna University / College of Administration and Economics / Department of Business

ABSTRACT

This research aims to analyze the credit policy of Iraqi commercial banks by analyzing the role of credit granted to the private sector by government banks and its impact on poverty. The Distributed Self Deceleration Model (ARDL) has been utilized to show the impact of private credit on reducing the poverty rate in Iraq for the period under study. This study has reached several conclusions, one of which is that there is a long-term equilibrium relationship between private credit granted by government banks and the poverty rate in Iraq. Also, the researchers have suggested a set of recommendations, the most important of which is combating all forms of bureaucracy and facilitating the granting of small and medium loans and correctly directing them to support the creation of productive projects, as well as reducing the phenomenon of the rise in directing cash loans towards the consumer aspects that characterize Iraqi government banks.

Keywords: Bank credit, Poverty in Iraq, Private credit, Government banks, Autoregressive- Distributed Lag Model (ARDL).

Muthanna Journal of Administrative and Economic Sciences, 2022,Volume 12, Issue 4, Pages 93-109

DOI: 10.52113/6/2022-12-4/93-109

Categories: Uncategorized