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- Title
قياس وحتليل أثر أسعار الفائدة طويلة األجل على الودائع املصرفية للقطاع املصريف العراقي للمدة (2022-2004).
- Authors
عبد الستاررائف ح
- Abstract
The research aims to measure and analyze the effect of long-term interest rates on total bank deposits with commercial banks in Iraq for the period (2004-2022), using the methodology of the Autoregressive Lagging Distributed Time Lag (ARDL) model, and the results of the stability test showed that interest rates are unstable At level I (o), while all variables were stable when taking the first level, and the results showed that there is a long-term equilibrium relationship (co-integration) between interest rates and the volume of bank deposits according to the Bound Test, and this confirms the second hypothesis of the study, as The results of the standard analysis showed that the error correction parameter was negative and significant, and this means that errors can be corrected in the long term. Through the results of the analysis, it was found that there is a positive effect between long-term interest rates on bank deposits. The higher the interest rates, the more they lead to an increase in deposits with commercial banks. And the tests proved that the model is free of standard problems, the ability of the model to predict, and that the model has achieved structural stability in the short and long term. Interest directs savings towards investment projects that increase profits and thus increase the capital of those banks, enabling them to increase the granting of loans.
- Subjects
IRAQ; BANK deposits; DEPOSIT banking; BANKING industry; LOANS; INTEREST rates; COINTEGRATION; DEPOSIT insurance; BANK profits
- Publication
Economic Sciences, 2023, Vol 18, Issue 69, p328
- ISSN
1814-9669
- Publication type
Article