Transforming Financial Inclusion to Finance Inclusive Prosperity in Ramallah, Palestine

这项研究将探讨如何改变当前的金融包容性（FI）进程，以创造反映社区优先事项的包容性繁荣。我们对社区如何体验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-他们真正重视并认为是“美好生活”。该研究将探讨FI和繁荣之间的关系在巴勒斯坦，在那里FI可以在“真实的生活”进行研究。由世界银行和金融包容性联盟（AFI）等全球机构大力制定的2018-2025年金融包容性国家战略最近启动，由于以色列的占领，实现包容性繁荣的挑战是重大的。这种极端情况将有利于评估现有理论的局限性（FI）和发展新的概念。共同制作的研究过程将（1）使用人种学方法来评估金融机构对巴勒斯坦金融机构和服务集中的拉马拉人民生活的影响;（2）记录和使用社区对繁荣的理解，以建立繁荣指数-这是一种使学者和政府能够更好地参与公民观点并创造当地显著繁荣途径的工具。从人种学研究和繁荣指数的见解将结合起来，产生一个新的概念阐述融资繁荣。它们还将成为政策见解和机构借调的基础，改变现有的金融机构政策和做法，以更好地满足人们的愿望。评估现有的金融服务政策和做法如何影响人们的生活体验。利用社区对繁荣的愿景来改变第一国际的做法，使他们能够更好地实现这种繁荣。目标（一）通过开展案头研究，分析全球、区域和国家第一国际的政策和做法如何塑造巴勒斯坦拉马拉第一国际的经验。(ii)通过在巴勒斯坦拉马拉进行人种学研究，评估人们的日常生活如何受到FI的影响。(iii)通过社区研究，在巴勒斯坦拉马拉共同制定当地对繁荣的定义。(iv)使用社区对繁荣的定义，为拉马拉建立一个繁荣指数，为学者、市政和国家以及私营部门行为体提供新型数据。(v)通过结合人种学研究和繁荣指数的数据，规划出实现更具包容性和可持续繁荣的途径。(vi)通过借调到巴勒斯坦货币管理局和出版政策简报文件，将这些途径纳入现有的金融机构程序。(vii)通过金融包容性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。这项研究将使学者受益，因为它根据对金融机构、包容性繁荣和殖民主义生活经历之间关系的原创见解，提出了一个新的融资繁荣概念。这一新的概念阐述将重新思考FI，弥合学术界和政策界之间的分歧，并在这一领域采取各种方法。这项研究将通过培训社区成员掌握社会科学研究方法，使他们能够独立组织和开展研究，从而使巴勒斯坦用户受益。研究共同制作过程和繁荣指数将提供关于对繁荣的具体背景理解的新数据，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政策制定者将受益于学习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。

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.