Analysis of the Impact of Commercial Bank Loans on The Gross Domestic Product in Iraq

Arwa Osama Ibrahim; Jaddoa Shihab Ahmed

doi:10.55544/sjmars.3.3.2

Authors

Arwa Osama Ibrahim Department of Agricultural Economics and Extension, College of Agriculture, Tikrit University, IRAQ
Jaddoa Shihab Ahmed Department of Agricultural Economics and Extension, College of Agriculture, Tikrit University, IRAQ

DOI:

https://doi.org/10.55544/sjmars.3.3.2

Keywords:

loans, economic growth, commercial banks

Abstract

The research aimed to explain the concept of bank loans and their importance in economic growth in Iraq. The research relied on combining the methods of induction and deduction in its analysis of the reality of loans granted by commercial banks and explaining their impact on economic growth in Iraq for the period (2004-2022), through the use of tests using the modern standard using the E-Views 12 program, the research reached developments in bank deposits with commercial banks in Iraq during the period (2004-2022), as we note that the number of bank branches was constantly increasing during the period (2004-2013), after it was (530 branches) in 2004 and then continued to increase until it became (1002 branches) in 2013, noting its stability in 2005. The reason for this continuous increase is due to the plan of the monetary and financial authorities to increase banking penetration and banking density. The research recommended the importance of continuing to develop Commercial banks as one of the important and effective units in Iraqi society, and rediscovering the local principles and self-capabilities of the Iraqi local community, considering local development as an educational process with lessons learned so that community members can confront their issues on their own.

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