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An Empirical Study on the Role of Islamic Microfinance in Enhancing Financial Inclusion in Bauchi State, Nigeria

In: Enhancing Financial Inclusion through Islamic Finance, Volume II

Author

Listed:
  • Aliyu Dahiru Muhammad

    (Bayero University Kano)

  • Sàadatu Aminu Ibrahim

    (Bayero University Kano)

Abstract

The objective of this study is to empirically examine the role of Islamic microfinance in the enhancement of financial inclusion of customers of the pioneer Islamic microfinance bank in Nigeria—Tijarah Microfinance Bank, in Bauchi State. The study examines the level of customer awareness and level of use and quality of products/services offered. A questionnaire was administered on a sample of 397 based on convenience sampling. Descriptive and inferential statistics were employed to analyse the responses, interpret the relationship between the variables and draw conclusion. The study concludes that the operation of Tijarah Microfinance Bank Ltd does enhance financial inclusion among the respondents. It recommends that the providers of financial services particularly banks need to explore the alternatives provided by Islamic microfinance so as to engender wider access to banking services. Policymakers should also facilitate competition among Islamic microfinance banks so as to enhance sustainable financial inclusion.

Suggested Citation

  • Aliyu Dahiru Muhammad & Sàadatu Aminu Ibrahim, 2020. "An Empirical Study on the Role of Islamic Microfinance in Enhancing Financial Inclusion in Bauchi State, Nigeria," 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 351-369, Palgrave Macmillan.
    • Handle: RePEc:pal:psibcp:978-3-030-39939-9_15
    DOI: 10.1007/978-3-030-39939-9_15
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