مجلة الدراسات التجارية والاقتصادية المعاصرة
Volume 5, Numéro 2, Pages 43-58
2022-04-07
The Effect Of Integration Of The Households Savings Into The Banking System On Gdp By Late 2022
Authors : Benmakrelouf Khaled . Guelmine Mohamed Hichem .
Abstract
Our empirical study aims to measure the effect of the integration of the households savings into the banking system on the economic growth, this savings that represent an important portion of the parallel market, estimated in mid-2018 from 7.72% to 10.29 of the GDP, and the government put this integration as one of its major objectives, facilitating a platform which is the Islamic finance using it as a tool to attract the households savings. But because of the weak dynamic of our inefficient economy translated by a high I.C.O.R rate, even with the rise of the lending capacity to 35.67%, the integration will have a weak effect with 1.7% economic growth.
Keywords
The parallel market ; The household’s savings ; The Islamic finance ; I.C.O.R rate ; Inefficient economy
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