Financial Inclusion and Poverty Reduction among Rural Women in Sub-Saharan Africa
Evidence from Nigeria
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Abstract
The study investigated the impact of financial inclusion on poverty reduction among rural women in sub-Saharan Africa using Nigeria evidence during the period of 2001 to 2022. The research specifically examines the effect of volume of deposit with commercial, micro loan, e-banking (POS and ATM), and non-interest banking on poverty reduction. The result of a multiple regression analysis using Ordinary Least squared OLS) method carried out with data collected from Central Bank of Nigeria (CBN) which covering a period of 22 years (between 2001- 2022) shows that both e-banking and non-interest banking have serious positive link with financial inclusion and have made significant impact on poverty reduction in Nigeria. Also deposit with commercial banks and micro loans has link with financial inclusion but has made no significant impact positive or negative on poverty reduction in Nigeria. Hence, the study recommended that the Government and Central Bank of Nigeria as policy maker and regulatory authority should provide a policy framework that will address the financial exclusion of low-income group particularly in the rural areas.
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Copyright (c) 2025 Nduka Elda Vitalis Okolo-Obasi, Emmanuel Ejiofo Nwanmuoh , Chuka Uzoma Ifediora, Remigus Amarachi Dike, Innocent Uzochukwu Ozumba, Nnamdi Chigozie Anyachebelu (Author)
This work is licensed under a Creative Commons Attribution 4.0 International License.
Nduka Elda Vitalis Okolo-Obasi, University of Nigeria, Nsukka, Nigeria.
Institute for Development Studies, Enugu Campus,
University of Nigeria, Nsukka, Nigeria.
Emmanuel Ejiofo Nwanmuoh , University of Nigeria, Nsukka, Nigeria.
Department of Marketing, Faculty of Business Administration,
Enugu Campus, University of Nigeria, Nsukka, Nigeria.
Chuka Uzoma Ifediora, University of Nigeria, Nsukka, Nigeria.
Department of Management,
Faculty of Business Administration,
Enugu Campus, University of Nigeria, Nsukka, Nigeria.
Remigus Amarachi Dike, University of Nigeria, Nsukka, Nigeria.
Institute of Maritime Studies,
University of Nigeria, Nsukka, Nigeria.
Innocent Uzochukwu Ozumba, University of Nigeria, Nsukka, Nigeria.
Institute of Maritime Studies,
University of Nigeria, Nsukka, Nigeria.
Anyachebelu Nnamdi Chijioke, University of Nigeria, Nsukka, Nigeria.
Institute of Maritime Studies,
University of Nigeria, Nsukka, Nigeria.
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