Gendering and Utilization of Financial Inclusion A Demographic Study

Abstract

The objective of this research is to gauge the level of financial inclusion among the vulnerable sections of Iraq and the effect of such inclusion. Primary data was collected by administering a structured interview schedule to 100 Internal Displaced People spread across Iraq. Data collected was analysed using SPSS 26, applying the statistical tools of percentage, frequency and ANOVA. Results of the research reveal that none of the refugees have savings accounts, debit cards, or safety deposit boxes. They do not visit bank branches and they do not use digital applications for money transfers. However, they do use digital banking applications for scanning, payments, and checking balances of accounts. The interesting result is the rejection of all research hypotheses except the fourth one, which states "there is a gender impact on the obstacles faced by refugees in using formal sources of financing", which has been accepted