Transforming Financial Inclusion to Finance Inclusive Prosperity in Ramallah, Palestine

本研究将探讨如何改变当前的金融普惠（FI）进程，以创造反映社区优先事项的包容性繁荣。我们对社区如何经历现有的自上而下的国家和私营部门主导的FI过程知之甚少，以及这些过程如何与社区对繁荣的理解联系起来——他们真正重视和认为的“美好生活”。该研究将考察FI与巴勒斯坦繁荣之间的关系，在那里FI可以在“现实生活”中进行研究。由世界银行和金融包容性联盟（AFI）等全球机构主导的《2018-2025年国家普惠金融战略》最近启动，由于以色列的占领，实现包容性繁荣面临重大挑战。这个极端的例子将有利于评估现有理论（FI）的局限性和发展新的概念。共同制作的研究过程将(1)使用民族志方法评估金融金融对拉马拉人民生活的影响，拉马拉是巴勒斯坦金融机构和服务集中的地方；(2)记录并利用社区对繁荣的理解来建立繁荣指数——这是一种工具，可以让学术界和政府更好地参与公民的观点，并创造出当地显著的繁荣之路。来自人种学研究和繁荣指数的见解将结合起来，产生一种新的繁荣融资概念。它们还将成为政策见解和机构借调的基础，从而改变现有的国际金融机构政策和做法，以更好地满足人们的愿望。评估现有FI政策和实践如何影响人们的生活体验。利用社区对繁荣的愿景来改变金融机构的做法，使它们能够更好地实现这种繁荣。目标(i)通过开展桌面研究，分析全球、地区和国家第四国际政策和实践如何影响巴勒斯坦拉马拉第四国际的经验。（ii）通过在巴勒斯坦拉马拉进行民族志研究，评估FI如何影响人们的日常生活。通过以社区为基础的研究，共同制定巴勒斯坦拉马拉繁荣的当地定义。（iv）利用社区衍生的繁荣定义为拉马拉建立繁荣指数，为学者、市政和国家以及私营部门行为者提供新的数据。（五）结合民族志研究数据和繁荣指数，规划实现更具包容性和可持续性繁荣的途径。通过借调巴勒斯坦金融管理局和出版政策简报文件，将这些途径纳入现有金融机构进程。（七）通过普惠金融联盟的年度全球政策论坛、学术会议和出版物，更广泛地传播研究结果。该研究将基于对金融机构、包容性繁荣和殖民主义生活经历之间关系的原始见解，通过产生融资繁荣的新概念表达，使学术界受益。这种新的概念表达将重新思考金融金融，并在该领域的学术和政策团体以及方法之间架起桥梁。这项研究将通过在社会科学研究方法方面培训社区成员使巴勒斯坦用户受益，使他们能够独立地组织和进行研究。研究合作生产过程和繁荣指数将提供有关具体情况下对繁荣的理解的新数据，使巴勒斯坦治理机构能够更好地了解其所治理社区的挑战和愿望。全球和区域金融机构的政策制定者将从了解如何重新调整金融机构的做法和政策以创造真正的包容性繁荣中受益。

This research will explore how current processes of financial inclusion (FI) can be transformed to create inclusive prosperity that reflects community priorities. We know little about how communities experience existing top-down state and private sector-led processes of FI, and how such processes connect with community understandings of prosperity - what they really value and consider a 'good life'. The research will examine the relationship between FI and prosperity in Palestine, where FI can be studied in 'real life'. A National Strategy for Financial Inclusion 2018-2025, heavily shaped by global institutions like the World Bank and the Alliance for Financial Inclusion (AFI), was recently launched and challenges to realising inclusive prosperity are significant because of the Israeli Occupation. This extreme case will be beneficial for assessing the limits of existing theories (of FI) and developing new concepts. A co-produced research process will (1) use ethnographic methods to evaluate the impact of FI on people's lives in Ramallah, where financial institutions and services in Palestine are concentrated; (2) record and use community driven understandings of prosperity to build a prosperity index - a tool that allows academics and governments to better engage citizens' perspectives and create locally salient pathways to prosperity. Insights from ethnographic research and the prosperity index will be combined to generate a new conceptual articulation of financing prosperity. They will also be the basis for policy insights and an institutional secondment that transforms existing FI policies and practices to better meet people's aspirations.Aims1. Assess how existing FI policies and practices impact people's lived experiences.2. Use community visions of prosperity to transform practices of FI so they are better able to achieve such prosperity.Objectives(i) analyse how global, regional and state FI policies and practices shape experiences of FI in Ramallah, Palestine by undertaking desk-based research. (ii) evaluate how people's everyday lives are impacted by FI by conducting ethnographic research in Ramallah, Palestine.(iii) co-produce a local definition of prosperity in Ramallah, Palestine through community-based research.(iv) build a prosperity index for Ramallah using the community-derived definition of prosperity, which provides new kinds of data for scholars, municipal and national state and private sector actors.(v) map out pathways to more inclusive and sustainable prosperity by combining data from ethnographic research and the prosperity index.(vi) embed those pathways in existing FI processes through a secondment at the Palestine Monetary Authority and the publication of policy briefing papers.(vii) disseminate findings more widely through the Alliance for Financial Inclusion's annual global policy forum, academic conferences and publications.The research will benefit academics by generating a new conceptual articulation of financing prosperity, based on original insights about the relationship between FI, inclusive prosperity and lived experiences of colonialism. This new conceptual articulation will rethink FI and bridge the divide between scholarly and policy communities and approaches in this area.The research will benefit Palestinian users by training community members in social science research methods, enabling them to independently organise and conduct research. The research co-production process and prosperity index will provide new data about contextual-specific understandings of prosperity that will enable Palestinian governance institutions to better understand the challenges and aspirations of the communities they govern. Global and regional FI policy makers will benefit from learning about how FI practices and policies can be re-tooled to create genuinely inclusive prosperity.