Financial inclusion, People living with disabilities (PLWDs) and Financial system


This study investigated the level of financial inclusion and people living with disabilities (PLWDS) in Nigeria. The disaggregated analysis was employed in investigating the level of financial inclusion of PLWDs across the geopolitical zones in Nigeria. The instrument used to collect data was titled: Financial Inclusion of People living with Disability Survey Inventory (FIPWIDSI). The construct validity of the instrument was ensured using the Principal Component Analysis (PCA).The internal consistency was verified using Cronbach's alpha technique. Descriptive and influential statistics, Mean and standard deviation, Analysis of Variance (ANOVA) and Sidak multiple mean comparison Post Hoc test were employed for data analysis. The result indicated that there was a significant difference on the level of financial inclusion of persons with disability in the geopolitical zones of Nigeria. The result also showed that the level of financial inclusion for persons living with disability on mobile banking, currency distinction, support services and bank media service access is high but low on other financial services in Nigeria. Hence, it was recommended among others that banks should endeavor to install ATMs with braille signage, large fonts and high colour contrast to enable visually impaired persons use the ATM without involving a third party

Author Bio

Kingsley I. is a staff of the central bank of Nigeria, while Akinsolotu, N. T. is the lead consultant /data analyst at NaTisolutions & Services Ltd and Odigie, J. N. is a lecturer at the department of philosophy, University of Benin, Edo State, Nigeria.

Publication Title

CBN Bullion







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