Exploring the Financial Inclusion Gap for Humanitarian Aid Recipients in Nigeria

Sule Magaji, Nejo Dorcas Ibukuoluwa and Ibrahim Musa ()
Additional contact information
Sule Magaji: Department of Economics University of Abuja
Nejo Dorcas Ibukuoluwa: Sustainable Development Centre University of Abuja

International Journal of Research and Scientific Innovation, 2025, vol. 12, issue 5, 1572-1583

Abstract: This study explores the Financial Inclusion Gap for Humanitarian Aid Recipients in Nigeria with a focus on the roles of financial literacy, infrastructure, and trust. Employing a quantitative survey design and stratified random sampling across four diverse Local Government Areas (LGAs) – Lagos Island, Alimosho, Mushin, and Ikorodu – data was collected from 400 respondents using structured questionnaires. Contrary to expectations, the findings revealed that barriers to financial inclusion, including financial literacy, trust, and infrastructural limitations, did not significantly impact the effectiveness of humanitarian aid. The study suggests that systemic factors, such as regulatory policies and financial infrastructure, may play a more crucial role in influencing aid delivery than individual financial behaviours. The implications of this research highlight the need for policymakers and humanitarian organisations to prioritise strengthening financial systems and institutional frameworks to optimise financial inclusion and enhance aid effectiveness in humanitarian contexts.

Date: 2025
References: Add references at CitEc
Citations:

Downloads: (external link)
https://www.rsisinternational.org/journals/ijrsi/d ... ssue-5/1572-1583.pdf (application/pdf)
https://rsisinternational.org/journals/ijrsi/artic ... cipients-in-nigeria/ (text/html)

Related works:
This item may be available elsewhere in EconPapers: Search for items with the same title.

Export reference: BibTeX RIS (EndNote, ProCite, RefMan) HTML/Text

Persistent link: https://EconPapers.repec.org/RePEc:bjc:journl:v:12:y:2025:i:5:p:1572-1583

Access Statistics for this article

International Journal of Research and Scientific Innovation is currently edited by Dr. Renu Malsaria

More articles in International Journal of Research and Scientific Innovation from International Journal of Research and Scientific Innovation (IJRSI)
Bibliographic data for series maintained by Dr. Renu Malsaria ().