Abstract
Financial literature has consistently viewed financial inclusion as a sum indicator calculated at the level of one state or a group of states. It is a value between integer 1 and 0. The current research is but an attempt to adopt a different method through the construction of an indicator that expresses contribution to financial inclusion at the level of one bank or a group of banks that have the joint method. As such, the same indicators, criteria and rates used in the sum framework at the partial level will be used with some modifications or additions when needed. To bring about accuracy and objectivity in the research, we have resorted to the use of the data of one of the important working banks in the Region, namely Kurdistan International Bank for Investment and Development so as to determine the real extent of its contribution to financial inclusion in Kurdistan Region/ Iraq and the abilities open to it to extend in this respect. The research has concluded that the bank, the subject of the research, contributed by a 1% of financial inclusion in the Region. There is also the necessity to adopt such a type of indicators so as to set the real evaluations of the funding role of the banks to serve the society.
