Research Submitted by the student
Wisaam Hashim kadhee

presented to the Board of the Faculty of Management and Economics at the University of Karbala as part of the requirements for obtaining the degree of higher diploma

Supervised by
Ass.Prof.Dr. Adel Abass Abdul-Hussein

 Abstract 
       Financial inclusion is one of the means by which the goals of sustainable development in any national economy can be achieved, and on the other hand, financial inclusion can be a goal for the central bank through which it seeks to deliver financial services to all groups of society, especially groups with limited income, the basic argument that starts Including research is whether financial inclusion in its three axis of banking services is capable of achieving sustainable development operations. The aim of this research is to demonstrate the importance of financial inclusion as a modern concept in banking work based on three basic axes in providing banking services and its role in achieving and supporting sustainable development operations through the ability of Iraqi banks to deliver banking services and provide them with high quality to different societal groups, and therefore this matter It stimulates Iraqi banks to provide the best banking services, as the growing banking awareness for society groups achieves the idea of ​​financial inclusion, which in turn supports development processes in the country through financing and supporting small projects that develop the economic side, and the importance of research lies in N financial inclusion achieves a state of competition between the various financial institutions, making them innovate and provide the best banking services and high quality, which achieves the country’s economic benefits and thus achieving sustainable development. By analyzing data on financial inclusion and sustainable development in Iraq during the period (2010-2018) in order to measure the impact and correlation between the two variables, and to test the research hypothesis by collecting data by relying on statistical reports issued by the Central Bank of Iraq and the Ministry of Planning, the Central Agency for Statistics and Development Cooperation The data was analyzed according to the statistical program (SPSS V.25) to reach the results of the research, which was summarized to a set of conclusions and recommendations, and the most prominent conclusions were that the Iraqi banking sector did not contribute to sustainable development operations except in very limited proportions and the reason for this It is due to the total dependence on oil imports. As for the most prominent recommendations, finding other sources of financing sustainable development other than oil revenues has made Iraq more vulnerable to global crises.
Key words: financial inclusion, sustainable development