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Financial inclusion refers to a practice that guarantees the ease of access, avail206
ability and usage of the formal financial system by all members of an economy. The study examined financial inclusion and performance of deposit money banks in Nigeria. The variables of deposit from rural areas, loan to rural areas, loans to deposit ratio and loan to small scale enterprises were regressed on the performance of deposit money banks in Nigeria. The study employs secondary data extracted from the Central Bank of Nigerian Statistical Bulletin. The data were analyzed with econometric techniques involving Augmented Dickey Fuller tests for Unit Roots and the Ordinary Least Square (OLS) for Test of Hypotheses. The result of the study strongly suggest that deposit from rural areas, loans to rural areas, loans to deposit ratio and loan to small scale enterprises have positive effect on per capita income. The study, therefore conclude that financial inclusion have positive effect on the performance of deposit money banks in Nigeria and has helped to improve the ease access and usage of financial service to average Nigerian citizen. Amongst the recommendations is that: Since deposits is the main source of funds to commercial banks, banks should give due emphasis to its savings mobilization and strive to increase their deposit interest rates in order to mobilize deposits from rural areas and should provide excellent services for their customers, Loans to rural areas should receive considerable attention by relevant authorities in order to effect strongly and positively on the economic development in Nigeria, Banks should fully utilize the loan-to-deposit ratio by boosting marketing efforts, Banks should extend loan to small scale enterprises with an establish sound lending policies, adequate credit administration procedure and an effective and efficient machinery to monitor lending to loan to small scale enterprises