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FACTORS AFFECTING WOMEN FINANCIAL INCLUSION PARTICIPATION IN ZURU EMIRATE KEBBI STATE
Ahmad Sulaiman

ABSTRACT
Most of the studies prior to this emphasized women's financial inclusion participation in general, ignoring a particular focus on rural women's financial inclusion participation specifically. To cover the gap, this study examines the relationship between educational level, religious factors, cultural inclination and financial status and information on rural women's financial inclusion participation in Zuru emirate Kebbi state. Feminist theory was used to test the dependent and independent variables' relationship. The study population is (396,315); the Quantitative method was used, a questionnaire was adopted from past research and (595) questionnaires were distributed to the respondents in Zuru, Ribah Dirin-Daji and Mahuta local government headquarters. Kregcie and Morgan'ssample size technique was adopted and (565) were usable returned questionnaires while nonusable (35). The findings revealed no relationship between religious, cultural inclination and education and women's financial inclusion participation in the Emirate with (524) significant respectively, but information and financial status were accepted with (.000) significant level. The study recommends a strong strategic awareness through the village and district heads, imam and pastors, mounting of billboards disseminating financial inclusion products and services in all the four local government areas in the Emirate, door to door banking and non–banking products and services advertised by the available banks and reopening of more bank branches in Zuru and new microfinance banks in Ribah, Dirin-Daji and Mahuta


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