Evaluation of non-interest banking and financial inclusion in Nigeria

A. Asaolu
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Abstract

businesses especially, Micro, Small and Medium Enterprises (MSME) intending to be efficient and effective in their operations as well as giving smoother access to financing when compared to the conventional banks. This paper therefore attempts to evaluate the prospects of a non-interest bank in Nigeria (Jaiz Bank Plc) in terms of financial inclusion, access to financial products and the trajectory of the bank itself in terms of performance and going concern tests. Using primary data analyses, our findings establish high level of acceptability of non-interest banking in Nigeria and secondary data analyses signal the financial soundness of Jaiz bank to give existing and prospective investors’ the needed comfort. We recommended that economic units in developing economies, private companies and individuals should tap into the vast bouquet of Islamic banking products offered on flexible terms in achieving their broad objectives
对尼日利亚无利息银行和金融包容性的评价
与传统银行相比,中小微企业(MSME)希望提高运营效率,并获得更顺畅的融资渠道。因此,本文试图评估尼日利亚非利息银行(Jaiz bank Plc)在金融包容性,获得金融产品以及银行本身在绩效和持续经营测试方面的轨迹方面的前景。使用初级数据分析,我们的研究结果在尼日利亚建立了非利息银行业务的高水平可接受性,二级数据分析表明Jaiz银行的财务稳健性,为现有和潜在投资者提供了所需的安慰。我们建议发展中经济体的经济单位、私营公司和个人利用伊斯兰银行提供的大量灵活条款产品,以实现其广泛的目标
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