Impacto da inclusão financeira no crescimento económico de Moçambique 2005-2022

Abstract

This research analyzed the impact of financial inclusion on economic growth in Mozambique between 2005-2022, with the aim of understanding the relationship between the increase in access to financial services and economic development. Using data secondary data from institutional sources such as the World Bank, Bank of Mozambique and National Institute of Statistics, the quantitative analysis was performed through correlation Pearson's test and analysis of variance (ANOVA). The results confirmed the hypothesis that that financial inclusion has a significant positive correlation with growth economic. Specifically, it was observed that the increase in the percentage of the population with a bank account, access to credit and the total value of deposits and credit is associated with more robust GDP growth. These findings highlight the importance policies that promote the expansion and improvement of financial services, modernization of financial infrastructure, the promotion of financial education, facilitating access to credit and supporting financial inclusion initiatives. The research shows that financial inclusion not only facilitates access to resources and opportunities economic, but also contributes significantly to economic growth sustainable, providing practical recommendations to strengthen financial inclusion and stimulate economic development in Mozambique. For the Inclusion Index Financial services in Mozambique become an engine of economic growth, it is essential adopt a multi-faceted approach that includes expanding financial infrastructure, promotion of microfinance, financial education, effective regulation, incentives for innovation, cost reduction, consumer protection, fostering entrepreneurship, inclusion of marginalized groups, and continuous evaluation. These economic policies, implemented in a coordinated and sustainable manner, can transform the panorama financial sector of Mozambique and boost the country's economic growth.(TRADUÇAO NOSSA)