Ines Gharbi is currently a PhD student in finance at the Faculty of Economics and Management of Sfax. She is also a temporary teacher in finance at the University of Sfax. Her research work focuses on Fintechs, financial inclusion and financial stability. Supervisors: Pr. Aida kammoun Abdelmoula
The aim of our paper is to construct a multidimensional financial inclusion (FI) index to measure... more The aim of our paper is to construct a multidimensional financial inclusion (FI) index to measure the level of FI in 91 countries across different income groups. In order to address our research problem, we use the principal component analysis method. This approach addresses the criticism of the arbitrary selection of weights and reflects the degree of financial inclusion in depth. The data are drawn from the International Monetary Fund (IMF) Financial Access Survey (FAS), the World Development Indicators (World Bank) and the Global Findex Database during the period of 2004–2020. This paper is the first to consider so many indicators of financial inclusion (13 indicators), belonging to three different dimensions of FI, in order to take into account the maximum number of aspects related to this concept. In addition, unlike previous work, this paper considers both developing and developed countries, which makes it possible to identify differences between them. The proposed index has s...
Climate change, pollution, drought, and rising seas impede the achievement of the seventh sustain... more Climate change, pollution, drought, and rising seas impede the achievement of the seventh sustainable development goal SDG#7 "affordable and clean energies". To counter these threats, the use of Renewable Energy (RE) as an alternative to conventional energy plays an important role in sustainable development. In this context, the purpose of our paper is to investigate the effect of Renewable Energy deployment on environmental protection in China, The United States of America (USA), and Germany: the top three ranked countries in terms of REs production, according to RENEWABLE 2021 GLOBAL STATUSREPORT. To achieve this objective, the paper adopts a Panel fully modified OLS (FMOLS) method. Results declare that renewable energy significantly reduce pollution indicators; furthermore, we find that Research and development fully moderate this relationship. The findings of this study emphasize the importance of increasing spending on Research and development activities in the RE sector. In addition, the countries studied and countries around the world should pay greater attention to investment in research and development to support the long-term plan for advancing sustainable energy sources for feasible energy and economic development.
The concept of financial inclusion emerged in the period from the 1990s to 2000. It has been cons... more The concept of financial inclusion emerged in the period from the 1990s to 2000. It has been considered a policy priority by governments and international organizations to reduce poverty and establish inclusive growth. The Tunisian government and the Central Bank of Tunisia have taken some measures to promote financial inclusion through digitalization, such as Automated Teller Machine, mobile banking, internet banking and e-wallets. Within this framework, our study examines the relationship between the digitization of the Tunisian banking sector and financial inclusion and whether technological developments in Fintech have contributed to an inclusive financial system. By developing a questionnaire survey of Tunisian bank employees, we find a significant positive relationship between digital technology and financial inclusion. Our research is original in that it examines the relationship between digital banking and financial inclusion using four inclusive development indicators: acce...
In December 2019, a new viral pneumonia called COVID-19 appeared in Wuhan, China causing a health... more In December 2019, a new viral pneumonia called COVID-19 appeared in Wuhan, China causing a health crisis that then turned into an economic and social crisis. Since then, entire sectors of the economy have been slowing down, forcing them to integrate innovative digital processes to mitigate the negative impact of this crisis. In this regard, the purpose of the chapter is to initiate a reflection on digitization processes based on a review of the literature to help explain the concept. This work allowed spotlighting the existing research on digitalization through practical case studies in business, education, and health systems, and how organizations perceive digitalization during the COVID-19 pandemic. The authors analyze how digital platforms can increase the survival rate of businesses in times of crisis and ensure the continuity of customers' access to the various goods and services. The purpose behind this is to serve as a basis for further empirical research for academics and improve the knowledge base by providing insight into the efforts of the sectors studied.
The aim of our paper is to construct a multidimensional financial inclusion (FI) index to measure... more The aim of our paper is to construct a multidimensional financial inclusion (FI) index to measure the level of FI in 91 countries across different income groups. In order to address our research problem, we use the principal component analysis method. This approach addresses the criticism of the arbitrary selection of weights and reflects the degree of financial inclusion in depth. The data are drawn from the International Monetary Fund (IMF) Financial Access Survey (FAS), the World Development Indicators (World Bank) and the Global Findex Database during the period of 2004–2020. This paper is the first to consider so many indicators of financial inclusion (13 indicators), belonging to three different dimensions of FI, in order to take into account the maximum number of aspects related to this concept. In addition, unlike previous work, this paper considers both developing and developed countries, which makes it possible to identify differences between them. The proposed index has s...
Climate change, pollution, drought, and rising seas impede the achievement of the seventh sustain... more Climate change, pollution, drought, and rising seas impede the achievement of the seventh sustainable development goal SDG#7 "affordable and clean energies". To counter these threats, the use of Renewable Energy (RE) as an alternative to conventional energy plays an important role in sustainable development. In this context, the purpose of our paper is to investigate the effect of Renewable Energy deployment on environmental protection in China, The United States of America (USA), and Germany: the top three ranked countries in terms of REs production, according to RENEWABLE 2021 GLOBAL STATUSREPORT. To achieve this objective, the paper adopts a Panel fully modified OLS (FMOLS) method. Results declare that renewable energy significantly reduce pollution indicators; furthermore, we find that Research and development fully moderate this relationship. The findings of this study emphasize the importance of increasing spending on Research and development activities in the RE sector. In addition, the countries studied and countries around the world should pay greater attention to investment in research and development to support the long-term plan for advancing sustainable energy sources for feasible energy and economic development.
The concept of financial inclusion emerged in the period from the 1990s to 2000. It has been cons... more The concept of financial inclusion emerged in the period from the 1990s to 2000. It has been considered a policy priority by governments and international organizations to reduce poverty and establish inclusive growth. The Tunisian government and the Central Bank of Tunisia have taken some measures to promote financial inclusion through digitalization, such as Automated Teller Machine, mobile banking, internet banking and e-wallets. Within this framework, our study examines the relationship between the digitization of the Tunisian banking sector and financial inclusion and whether technological developments in Fintech have contributed to an inclusive financial system. By developing a questionnaire survey of Tunisian bank employees, we find a significant positive relationship between digital technology and financial inclusion. Our research is original in that it examines the relationship between digital banking and financial inclusion using four inclusive development indicators: acce...
In December 2019, a new viral pneumonia called COVID-19 appeared in Wuhan, China causing a health... more In December 2019, a new viral pneumonia called COVID-19 appeared in Wuhan, China causing a health crisis that then turned into an economic and social crisis. Since then, entire sectors of the economy have been slowing down, forcing them to integrate innovative digital processes to mitigate the negative impact of this crisis. In this regard, the purpose of the chapter is to initiate a reflection on digitization processes based on a review of the literature to help explain the concept. This work allowed spotlighting the existing research on digitalization through practical case studies in business, education, and health systems, and how organizations perceive digitalization during the COVID-19 pandemic. The authors analyze how digital platforms can increase the survival rate of businesses in times of crisis and ensure the continuity of customers' access to the various goods and services. The purpose behind this is to serve as a basis for further empirical research for academics and improve the knowledge base by providing insight into the efforts of the sectors studied.
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Papers by Inès Gharbi