Zakaria Elouaourti
Biographic Data
| ID | 4156567 |
|---|---|
| NAME | Zakaria Elouaourti |
| GIVEN NAMES | Zakaria |
| FAMILY NAME | Elouaourti |
| SIGNATURE | ELOUAOURTI Z |
| AFFILIATIONS | Mohammed V University |
| ORCID | 0000-0001-6986-3849 |
| VERIFIED | Yes |
| TOTAL WORKS | 7 |
| TOTAL CITATIONS | 0 |
| AUTHOR COUNT | 7 |
| EDITOR COUNT | 0 |
| FIRST PUBLICATION YEAR | 2021 |
| LATEST PUBLICATION YEAR | 2026 |
| H-INDEX | 0 |
Toward Inclusive Digital Finance in Africa: Unpacking the Mechanisms Behind Digital Barriers
Digital financial inclusion is a crucial driver of economic development in Africa, yet significant barriers persist, particularly for marginalized groups. This study examines the key determinants and barriers to digital financial inclusion in Africa using micro‐level data from 29,042 adults in the World Bank Global Findex database. Our findings highlight the critical role of education, labor market participation, and access to information and com…
Does less finance harm economic growth as well? A nonlinear smooth transition model (STAR) perspective
Our study provides an in-depth examination of the relationship between financial development and economic growth in Morocco, revealing key threshold effects through a nonlinear smooth transition model (STAR). Analysis of Moroccan banking and stock market development indexes reveals that the stock market was significantly impacted by the 2008 global financial crisis, showing a decline, while the banking system continued an upward trajectory. STAR …
Youth ‘not in education, employment, or training’ (Neet) in North Africa: Do household structure, subjective factors, and political dimensions affect Neet outcomes differently by gender
Youth’s life paths have become increasingly challenging, especially for those classified as ‘Not in Education, Employment, or Training’ (NEET), who comprise 31.2% of North Africa’s youth population. This paper contributes to the growing discourse on the NEET phenomenon by exploring its structural and psychosocial dimensions in North Africa, with a specific focus on gender. Using a rich micro-level dataset of 7,815 individuals aged 15 to 29 from M…
Impact evaluation of the ‘Idmaj’ wage subsidy program on employment quality in Morocco
The vulnerable workforce: Covid-19 and the fate of atypical workers
The Coronavirus disease 19 (COVID-19) pandemic has significantly affected the global workforce, with certain occupational groups facing greater challenges than others. Atypical part-time, temporary, and gig job workers are among the most vulnerable. This paper first examines the impact of the COVID-19 health crisis on atypical/ contingent workers by firm size, industry, and region. Second, we explore the factors determining the increase/decrease …
Financial Inclusion, Financial Frictions, and Economic Growth: Evidence from Africa
This paper aims to first, develop an analytical framework that examines the role of financial inclusion in promoting investment and economic growth, through the reduction of financial imperfections and considering the heterogeneity of access to the financial system. When performing a comparative analysis of the levels of financial inclusion in Africa, we mobilize the principal component analysis methodology to build the African Financial Inclusio…
Financial inclusion, mobile banking, informal finance and financial exclusion: Micro-level evidence from Morocco
Purpose This study has a dual purpose. The first is constructing a financial inclusion index to investigate if the reforms implemented during the last decades at the macroeconomic and sectoral levels have contributed to increase the financial inclusion level in Morocco. The second is to deepen the investigation to explore the impact of these reforms at the microeconomic level, by focusing on six major issues: determinants of financial inclusion, …
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Financial inclusion, mobile banking, informal finance and financial exclusion: Micro-level evidence from Morocco
Purpose This study has a dual purpose. The first is constructing a financial inclusion index to investigate if the reforms implemented during the last decades at the macroeconomic and sectoral levels have contributed to increase the financial inclusion level in Morocco. The second is to deepen the investigation to explore the impact of these reforms at the microeconomic level, by focusing on six major issues: determinants of financial inclusion, …
Financial Inclusion, Financial Frictions, and Economic Growth: Evidence from Africa
This paper aims to first, develop an analytical framework that examines the role of financial inclusion in promoting investment and economic growth, through the reduction of financial imperfections and considering the heterogeneity of access to the financial system. When performing a comparative analysis of the levels of financial inclusion in Africa, we mobilize the principal component analysis methodology to build the African Financial Inclusio…
Does less finance harm economic growth as well? A nonlinear smooth transition model (STAR) perspective
Our study provides an in-depth examination of the relationship between financial development and economic growth in Morocco, revealing key threshold effects through a nonlinear smooth transition model (STAR). Analysis of Moroccan banking and stock market development indexes reveals that the stock market was significantly impacted by the 2008 global financial crisis, showing a decline, while the banking system continued an upward trajectory. STAR …
Youth ‘not in education, employment, or training’ (Neet) in North Africa: Do household structure, subjective factors, and political dimensions affect Neet outcomes differently by gender
Youth’s life paths have become increasingly challenging, especially for those classified as ‘Not in Education, Employment, or Training’ (NEET), who comprise 31.2% of North Africa’s youth population. This paper contributes to the growing discourse on the NEET phenomenon by exploring its structural and psychosocial dimensions in North Africa, with a specific focus on gender. Using a rich micro-level dataset of 7,815 individuals aged 15 to 29 from M…
Impact evaluation of the ‘Idmaj’ wage subsidy program on employment quality in Morocco
The vulnerable workforce: Covid-19 and the fate of atypical workers
The Coronavirus disease 19 (COVID-19) pandemic has significantly affected the global workforce, with certain occupational groups facing greater challenges than others. Atypical part-time, temporary, and gig job workers are among the most vulnerable. This paper first examines the impact of the COVID-19 health crisis on atypical/ contingent workers by firm size, industry, and region. Second, we explore the factors determining the increase/decrease …
Toward Inclusive Digital Finance in Africa: Unpacking the Mechanisms Behind Digital Barriers
Digital financial inclusion is a crucial driver of economic development in Africa, yet significant barriers persist, particularly for marginalized groups. This study examines the key determinants and barriers to digital financial inclusion in Africa using micro‐level data from 29,042 adults in the World Bank Global Findex database. Our findings highlight the critical role of education, labor market participation, and access to information and com…
Economics (6 works) · Business (3 works) · Employment and Welfare Studies (3 works) · Financial inclusion (3 works) · Financial services (3 works) · Microfinance and Financial Inclusion (3 works) · Political science (3 works) · Sociology (3 works) · Demographic economics (2 works) · Finance (2 works)