Abstract
<span>This research measures the relationship between financial inclusion and the sustainability of financing small and medium enterprises in the Kingdom of Saudi Arabia, and the methodology of the research is based on the use of data at the level of companies, where there are 267 thousand small and medium enterprises in the Kingdom, 68% of which are managed by expatriates. The number of micro-enterprises reached 1.5 million, in addition to 230 thousand small enterprises and 37 thousand medium enterprises, all representing 99% of the number of enterprises in the Kingdom in mid-2015, and about 996 thousand small enterprises with a localization rate of less than 13.37%. From 2009 to 2019. Through the adoption of statistical analyzes, the effect of financial inclusion on the availability of financing for small and medium enterprises was analyzed and studied. This research showed that there are positive results for the financial inclusion of credit available to listed small and medium companies, and that promoting financial inclusion helps in the survival and sustainability of small and medium companies in the Kingdom of Saudi Arabia.</span>
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