The Reality of Women's Financial and Economic Empowerment and Its Role in Enhancing Financial Inclusion in Algeria – An Analytical Study

Abstract

This study aims to analyze the reality of women's financial and economic empowerment in Algeria and demonstrate its role as a fundamental pillar for enhancing the financial inclusion strategy. The study adopted a descriptive-analytical methodology to frame theoretical concepts, while reviewing and analyzing statistical data issued by official and international bodies to track the development of indicators related to women's access to financial services and the labor market in Algeria.
The study reached a fundamental conclusion indicating the existence of a clear structural gap. Despite the breakthrough achieved in female education levels and supportive legislative frameworks, women's contribution to financial inclusion remains below desired levels compared to men. This gap is primarily attributed to low rates of labor force participation and difficulty accessing financing, in addition to socio-cultural barriers that limit women's engagement in independent entrepreneurial activities, making their financial inclusion largely tied to traditional salaried employment.