THE ROLE OF FINANCIAL INCLUSION IN BRIDGING SMEs FINANCING GAP- THE VIEWPOINT OF CREDIT EMPLOYEES AT JORDANIAN ISLAMIC BANKS
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Abstract
The study aims to demonstrate the role of Financial Inclusion FI in bridging the financing gap in Small and
medium-sized enterprises (SMEs) from the viewpoint of credit employees at Jordanian Islamic banks. The study
used the descriptive approach in dealing with the theoretical side and the analytical method in the applied side
using a questionnaire. The results emphasized the necessity of enhancing access to financial services as well as
the use of financial services and increasing the quality of financial services provided to SMEs to bridge the
financing gap. The study recommended that the Central Bank of Jordan should follow up the implementation of
the national strategy and develop legislation and regulatory systems to develop methods for obtaining financial
services for the largest number of SMEs. The study emphasized the need to facilitate legal and regulatory
procedures to stimulate the use of modern and innovative technologies such as mobile phones and financial
wallets in financial services, as well as targeting projects that are not currently serviced by the banking sector to
allow access to funds at the right place and time at a reasonable cost
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