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All Journal International Journal of Islamic Economics and Finance (IJIEF) Tujjar International Journal of Islamic Economics Development
Shehu, Farida Mohammed
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Religion Humanities Economics, Econometrics & Finance

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Predictors of Islamic Financial Inclusion in the Northwest Nigeria: A Preliminary Cross-Sectional Investigation Aliyu, Shehu Usman Rano; Danlami, Abubakar Hamid; Shehu, Farida Mohammed
International Journal of Islamic Economics and Finance (IJIEF) Vol 7, No 2 (2024): IJIEF Vol 7 (2), July 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v7i2.21386

Abstract

Financial inclusion is seen widely as a tool for attaining macroeconomic objectives of economic growth, poverty reduction, economic prosperity, and the like. The phenomenon of Islamic financial inclusion is a decade old in Nigeria. As prelude (pilot) to broader study, this paper conducts a preliminary assessment of predictors of Islamic financial inclusion in the Northwest zone which is composed of seven (7) states in Nigeria. Leveraging on expositions in both the theoretical and empirical literature on dimensions of financial inclusion; access, use, quality, and barriers, this study constructs three logistic regression models based on access to financing facilities, access through automated teller machine (ATM), and access using unstructured supplementary service data (USSD) banking code. Results show that while the access to financing logistic model outperforms the other two models, household’s location and years of business (YOB) experience were statistically significant across all three models implying that those in the urban areas and with more years of business experience tend to be more financially included than their counterparts in the rural areas. In line with intuition, age of the household and YOB experience are averse to the use of ATM card and USSD code for banking transactions. The paper recommends improved infrastructure provision and increased reach to rural areas through innovative banking service delivery to enhance financial inclusion in the zone. This study is among earliest attempts that assesses the predictors of Islamic financial inclusion in the Northwest, Nigeria.
Predictors of Islamic Financial Inclusion in the Northwest Nigeria: A Preliminary Cross-Sectional Investigation Aliyu, Shehu Usman Rano; Danlami, Abubakar Hamid; Shehu, Farida Mohammed
International Journal of Islamic Economics and Finance (IJIEF) Vol. 7 No. 2 (2024): IJIEF Vol 7 (2), July 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/ijief.v7i2.21386

Abstract

Financial inclusion is seen widely as a tool for attaining macroeconomic objectives of economic growth, poverty reduction, economic prosperity, and the like. The phenomenon of Islamic financial inclusion is a decade old in Nigeria. As prelude (pilot) to broader study, this paper conducts a preliminary assessment of predictors of Islamic financial inclusion in the Northwest zone which is composed of seven (7) states in Nigeria. Leveraging on expositions in both the theoretical and empirical literature on dimensions of financial inclusion; access, use, quality, and barriers, this study constructs three logistic regression models based on access to financing facilities, access through automated teller machine (ATM), and access using unstructured supplementary service data (USSD) banking code. Results show that while the access to financing logistic model outperforms the other two models, household’s location and years of business (YOB) experience were statistically significant across all three models implying that those in the urban areas and with more years of business experience tend to be more financially included than their counterparts in the rural areas. In line with intuition, age of the household and YOB experience are averse to the use of ATM card and USSD code for banking transactions. The paper recommends improved infrastructure provision and increased reach to rural areas through innovative banking service delivery to enhance financial inclusion in the zone. This study is among earliest attempts that assesses the predictors of Islamic financial inclusion in the Northwest, Nigeria.
Accessibility of Islamic Financial Services for People Living with Disabilities (PLWDs) Shehu, Farida Mohammed; Idris, Adamu Adamu; Atah, Ummi Ibrahim; Abba, Safiyya Abubakar
Tujjar International Journal of Islamic Economics Development Vol 2 No 2 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i2.8427

Abstract

This paper explores the accessibility of Islamic financial services for People Living with Disabilities (PLWDs), a critically underserved group in financial inclusion discourse. Despite Islamic finance’s inherent principles of equity, compassion, and social justice, institutional practices often overlook the specific needs of PLWDs. The study addresses a key gap in both Islamic finance and disability rights literature by examining how inclusive or exclusive current financial systems are for this demographic. Employing a broad literature review methodology, the paper synthesizes recent academic research, regulatory frameworks, and real-world practices from countries such as Saudi Arabia, Pakistan, Malaysia, Jordan, Nigeria, and Ghana. Key findings reveal persistent barriers across physical infrastructure, digital interfaces, institutional attitudes, and financial literacy. However, promising models such as SAMA’s accessibility guidelines, Braille and voice-enabled banking in Pakistan and Jordan, and co-designed fintech platforms in Kenya and Mexico, demonstrate scalable best practices. The paper underscores the need for Islamic financial institutions to go beyond compliance and actively embrace universal design, inclusive product development, and collaborative policymaking with disability rights stakeholders. The study concludes with a call to action for regulators, Shariah boards, and Islamic financial service providers to institutionalize accessibility within core operations. Doing so aligns with both global disability inclusion goals and the Islamic ethical mandate to serve marginalized communities with dignity and equity.
Co-Authors Abba, Safiyya Abubakar Aliyu, Shehu Usman Rano Atah, Ummi Ibrahim Danlami, Abubakar Hamid Idris, Adamu Adamu