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The Role of Financial Inclusion and Competitive Advantage: Evidence from Iraqi Islamic Banks

Author

Listed:
  • Hayder M. Kareem Al-Duhaidahawi

    (School of management, Huazhong University of Sciences and Technology, Wuhan, China,)

  • Jing Zhang

    (School of management, Huazhong University of Sciences and Technology, Wuhan, China,)

  • Mustafa S. Abdulreza

    (AL-Furat Al-Awsat Technical University/Technical institute of AL Musaib, Iraq.)

  • Sinan Abdullah Harjan

    (School of management, Huazhong University of Sciences and Technology, Wuhan, China,)

  • Sayyed Sadaqat Hussain Shah

    (School of management, Huazhong University of Sciences and Technology, Wuhan, China,)

Abstract

The purpose of this study is to investigate whether the financial Inclusion play a significant role in in achieving the competitive advantage in Iraqi banks particularly, Islamic banks. The target sample of this study is composed of customers using the technological instrument to access the services as achieving the financial Inclusion. Using a simple random sampling method to select the target sample of the study and designing a questionnaire for this purpose, (250) questionnaires were distributed and (20) were ignored, as they did not meet the respondents' answers. Thus, the questionnaires analyzed were (230) questionnaires. Deceptive and regression analysis as statistical analysis are appropriate to the purposes of this study were carried out. The main results of this study were the significant effect of financial comprehensiveness on achieving the competitive advantage of institutions regarding customers. This study recommended that banking managerial staff has to focus on providing banking services using technological instrument because they constitute financial Inclusion and thus achieving the competitive advantage of banks, as well as certain programs are needed in the banks to raise the technological awareness of current and prospective customers.

Suggested Citation

  • Hayder M. Kareem Al-Duhaidahawi & Jing Zhang & Mustafa S. Abdulreza & Sinan Abdullah Harjan & Sayyed Sadaqat Hussain Shah, 2019. "The Role of Financial Inclusion and Competitive Advantage: Evidence from Iraqi Islamic Banks," International Journal of Economics and Financial Issues, Econjournals, vol. 9(3), pages 193-199.
    • Handle: RePEc:eco:journ1:2019-03-18
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    References listed on IDEAS

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    Cited by:

    1. Dhiaa Al Deen ALAZZAWI & Ileana NIȘULESCU-ASHRAFZADEH, 2021. "The Impact of Applying AAOIFI in Islamic Banks. Case Study in Iraqi Islamic Banks (I)," CECCAR Business Review, Body of Expert and Licensed Accountants of Romania (CECCAR), vol. 2(9), pages 45-51, September.
    2. Dhiaa Al Deen ALAZZAWI & Ileana NIȘULESCU-ASHRAFZADEH, 2021. "The Impact of Applying AAOIFI in Islamic Banks. Case Study in Iraqi Islamic Banks (II)," CECCAR Business Review, Body of Expert and Licensed Accountants of Romania (CECCAR), vol. 2(10), pages 51-59, October.
    3. Hayder M. Kareem Al Duhaidahawi & Jing Zhang & Mustafa S. Abdulreza & Meriem Sebai & Sinan Abdullah Harjan, 2020. "The Financial Technology (Fintech) and cybersecurity: Evidence from Iraqi banks," International Journal of Research in Business and Social Science (2147-4478), Center for the Strategic Studies in Business and Finance, vol. 9(6), pages 123-133, October.

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    More about this item

    Keywords

    Financial Inclusion; Competitive Advantage; Islamic Banks;
    All these keywords.

    JEL classification:

    • G29 - Financial Economics - - Financial Institutions and Services - - - Other
    • L19 - Industrial Organization - - Market Structure, Firm Strategy, and Market Performance - - - Other
    • E59 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - Other

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