The paper discusses how to improve access to finance in the Middle East and North Africa. It suggests creating a Financial Inclusion Strategy with better data and support from both public and private sectors. Regulators should make it easier to access finance through banks, mobile technology, and microcredit. Removing interest rate caps on small loans and promoting competition among financial providers are also recommended. Improving financial infrastructure, like credit information, is important. Additionally, barriers to Islamic financial services should be removed to meet market demand.