authors
Ahmed Jasim Mohammed

abstract
The study aims to determine how financial culture affects the financial inclusion and economic growth of managers of small and medium-sized enterprises. If they have more financial knowledge than others, they will have the ability to use banking services and make wiser financial decisions, which is why their businesses are successful. The study is based on a descriptive analytical method and data was collected in the questionnaire on business owners and managers of small and medium-sized enterprises. The results showed the existence of a relationship, mutual dependence and influence between financial culture on the one hand, and the degree of financial inclusion and economic development on the other. According to the results, financial inclusion is a smart way to help this industry and promote economic expansion in the country. The study suggests strengthening and disseminating this culture through initiatives, creation of digital financial instruments and collaboration between the public and private sectors, through a strategic plan followed by senior management.