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Using Islamic Banking to Improve Financial Inclusion in Selected States of Northern Nigeria: The Case of Jaiz Bank PLC

In: Enhancing Financial Inclusion through Islamic Finance, Volume II

Author

Listed:
  • Adamu Usman Abubakar

    (Ahmadu Bello University)

Abstract

Financial inclusion research in Nigeria is generally centered on supply side analysis which makes it virtually impossible to understand the true situation in the country. This research looks at the demand side of financial inclusion in additon to the supply side analysis by focusing on availability, quality, accessibility, impact and usage of Jaiz Bank products and services. The triangulation method was adopted—in which both quantitative and qualitative data were collected. Factor analysis, reliability test and linear regression were applied. The findings indicate that Jaiz Bank offers quality products and services, which are available to all customers regardless of their religious beliefs, and with a satisfactory usage. All these constructs are found to be significant and positively related to financial inclusion. This study concludes that Jaiz Bank as the main Islamic Bank in Nigeria contributes to financial inclusion. It recommends that Jaiz Bank and other stakeholders should intensify awareness efforts regarding the advantages Islamic products and services offer.

Suggested Citation

  • Adamu Usman Abubakar, 2020. "Using Islamic Banking to Improve Financial Inclusion in Selected States of Northern Nigeria: The Case of Jaiz Bank PLC," Palgrave Studies in Islamic Banking, Finance and Economics, in: Abdelrahman Elzahi Saaid Ali & Khalifa Mohamed Ali & Mohamed Hassan Azrag (ed.), Enhancing Financial Inclusion through Islamic Finance, Volume II, chapter 0, pages 111-135, Palgrave Macmillan.
    • Handle: RePEc:pal:psibcp:978-3-030-39939-9_4
    DOI: 10.1007/978-3-030-39939-9_4
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