EFInA: Did You Know Series Series Three EFInA Access to Financial Services in Nigeria 2014 Survey Key Findings: The Financial Excluded Population in
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1 EFInA: Did You Know Series Series Three EFInA Access to Financial Services in Nigeria 2014 Survey Key Findings: The Financial Population in Nigeria
2 Financial Access Strand 45.4 million adults are formally included 36.9 million adults are financially excluded 60.5% Financially served 39.5% Financially excluded 48.6% Formally included Banked Formal other Informal only Financially excluded 36.3% 12.3% 11.9% 39.5% 33.9m 11.5m 11.2m 36.9m DEFINITION OF FINANCIAL ACCESS Banked: all adults who have access to or use a deposit money bank in addition to having/using a traditional banking product, including ATM card, credit card, savings account, current account, fixed deposit account, mortgage, overdraft, loan from a bank, or no-interest banking product; including indirect access Formal other: all adults who have access to or use other formal institutions and financial products not supplied by deposit money banks, including Insurance companies, microfinance banks, pension schemes or shares. It also includes remittances (through formal channels); including indirect access Informal only: all adults who do not have any banked or formal other products, but have access to or use only informal services and products. This includes savings clubs/pools, esusu, ajo, or moneylenders; as well as remittances (through informal channels such as via a transport service or recharge card) Financially excluded: adults not in the banked, formal other or informal only categories, even though the person may be using or have access to any of the following: loan/gift from friends or family and loan from employers, as well as remittances via a friend/family member These four strands are mutually exclusive 2
3 Profile of the Financially 36.9 million adults are financially excluded, of which 37.9% are in the 18 to 25 age bracket, 57.9% are female, 39.1% have no formal education, and 23.8% do not receive an income Age profile years 9.6% % years 20.4% years 18.7% years 37.9% Gender profile Female 57.9% Male 42.1% Education profile Livelihood profile No formal education 39.1% Farming (subsistence/commercial) 26.7% Primary incomplete 8.6% Do not receive income 23.8% Primary complete Secondary incomplete 15.9% 15.3% Money from family/friends 15.0% Secondary complete 19.1% Own business (non farming) 12.8% Tertiary 2.0% Trading (non farming) 9.4% 3
4 The Financially : Interest in Financial Matters 26.7 million financially excluded adults (72.4% of excluded adults) are interested ( strongly interested and interested ) in financial matters The top 3 financial topics that they are interested in learning about are how to open a bank account, how to save regularly, and how to save for old age Financial topics excluded adults are interested in learning about Level of interest in financial matters How to open a bank account How to save regularly How to save for your old age How interest rates are calculated Where to get the best financial products How to invest in shares How cashless policy works How mobile money works How insurance products work What bank agents do What mobile money agents do None of the above How deposit insurance works 65.1% 56.8% 44.7% 39.6% 36.6% 30.8% 27.3% 26.4% 26.0% 24.4% 24.0% 21.9% 20.9% Strongly interested Interested Neither interested nor uninterested Uninterested Not interested at all 20.0% 11.7% 7.9% 8.0% 52.4% 4
5 Awareness of location Know 100.0% Don't Know Potential Channels for Reaching the Financially 13.9 million adults (38.3% of excluded adults) who are financially excluded own mobile phones In terms of awareness of potential locations for providing financial services - provision shops and pharmacies have the highest levels of awareness Provision shop 49.4% 27.1% 7.6% 9.4% 6.5% Less than 5 5 to to 15 Travel time 16 to 30 More than % 63.4% Pharmacy 31.3% 37.9% 13.2% Less than 5 5 to to % 16 to % More than % 50.1% Restaurant 34.4% 35.7% 13.2% Less than 5 5 to to % 16 to % More than % 47.8% Petrol station 13.2% 34.4% 18.6% Less than 5 5 to to % 16 to % More than % 14.2% Post office 8.7% 23.7% 17.1% Less than 5 5 to to % 16 to % More than 30 5
6 6 Financial Exclusion Per State (1 of 2) The top ten states with the greatest number of excluded adults account for 45.3% of the total financially excluded population in Nigeria The top ten states with the greatest number of excluded adult women account for 45.6% of the total adult women that are financially excluded Geo Political Zone State Number of adults who are excluded % of total excluded population Number of adult men who are excluded Number of adult women who are excluded % of total adult women that are excluded NW Kano 2,512, % 969,724 1,543, % NE Bauchi 2,102, % 997,245 1,105, % NW Kaduna 1,959, % 879,711 1,079, % NW Katsina 1,918, % 781,742 1,136, % NW Sokoto 1,585, % 851, , % NE Adamawa 1,385, % 586, , % SW Lagos 1,377, % 363,114 1,014, % NW Zamfara 1,374, % 572, , % NW Jigawa 1,286, % 515, , % NE Yobe 1,218, % 629, , % SS Rivers 1,216, % 453, , % SS Cross River 1,120, % 486, , % NE Borno 1,085, % 380, , % NE Taraba 1,075, % 588, , % NC Plateau 1,057, % 470, , % SS Akwa Ibom 1,044, % 427, , % SW Oyo 1,002, % 465, , %
7 7 Financial Exclusion Per State (2 of 2) There are only 5 states where the number of men that are excluded exceeds the number of women that are excluded - Ekiti, Gombe, Sokoto, Taraba and Yobe Geo Political Zone State Number of adults who are excluded % of total excluded population Number of adult men who are excluded Number of adult women who are excluded % of total adult women that are excluded NC Niger 949, % 433, , % NE Gombe 930, % 468, , % NW Kebbi 867, % 386, , % SE Ebonyi 824, % 310, , % SW Ondo 793, % 377, , % SW Ogun 772, % 304, , % NC Benue 767, % 294, , % SE Imo 730, % 273, , % NC Kogi 718, % 357, , % SW Osun 610, % 273, , % SS Delta 607, % 198, , % SE Anambra 589, % 176, , % SE Enugu 576, % 233, , % SS Edo 490, % 125, , % SW Ekiti 476, % 238, , % NC Kwara 465, % 169, , % SS Bayelsa 455, % 191, , % SE Abia 437, % 102, , % NC Nasarawa 347, % 136, , % NC FCT Abuja 178, % 69, , % Total 36,914, % 15,542,720 21,371, %
8 8 Analysis of the Top 5 States with the Highest Numbers of Financially Adults Top Kano Bauchi Kaduna Katsina 5 Sokoto
9 Kano State Education and Age Profile of the Financially Kano State has the greatest number of adults who are financially excluded, 2.5 million adults of which 1.5 million are women and 1.0 million are men 63.0% of women versus 38.5% of men that are financially excluded have no formal education 39.5% of the total financially excluded population in Kano State are in the 18 to 25 age bracket Education profile Age profile No formal education Primary Secondary Tertiary 38.5% 63.0% 53.5% 27.9% 18.5% 22.1% 31.1% 13.0% 19.9% 2.6% 5.6% 4.4% % 20.4% 18.0% 19.6% 22.4% 21.3% 14.5% 10.1% 11.8% 14.1% 6.4% 9.4% 37.7% 40.6% 39.5% 9
10 Kano State Source/Level of Income of the Financially The main source of income for 25.6% of the financially excluded population in Kano State is trading of goods and services (non farming), which is also the main source of income for 27.5% of financially excluded women. However, the main source of income for 36.2% of financially excluded men is farming 67.1% of financially excluded adults in Kano State earn N6,000 or less per month 13.3% of financially excluded women in Kano State do not receive an income Main source of income Monthly income Farming Trading of good and services (non farming) Money from family/friends Own business (non farming) Return on investments Salary from domestic work/farm labour 36.2% 3.3% 15.9% 22.4% 27.5% 25.6% 17.2% 24.4% 21.6% 13.6% 17.3% 15.8% 2.1% Those without a 3.0% main source of 2.7% income are not 1.3% 0.0% included 0.5% No Income N1-N6,000 N6,001-N20,000 N20,001-N40,000 N40, % 13.3% 9.0% 31.8% 4.2% 14.9% 2.3% 0.0% 0.9% 4.2% 0.2% 1.7% 50.6% 77.5% 67.1% 10
11 Kano State Languages Spoken and Read by the Financially 98.9% of financially excluded adults in Kano State speak Hausa fluently compared to only 14.0% that can speak English fluently 77.0% of financially excluded adults in Kano State can comfortably read Hausa compared to only 9.5% that can comfortably read English Major languages spoken fluently Major languages read comfortably Hausa 100.0% 98.2% 98.9% Hausa 72.5% 84.2% English 22.2% 8.9% 14.0% 77.0% Pidgin English Yoruba 1.4% 0.8% 1.0% 0.0% 0.2% 0.1% None of the respondents could speak Igbo fluently English 6.6% 14.1% 9.5% None of the respondents could comfortably read Yoruba, Igbo or Pidgin English 11
12 Bauchi State Education and Age Profile of the Financially There are 2.1 million financially excluded adults in Bauchi State; of which 1.1 million are women and 1.0 million are men 65.0% of financially excluded adults in Bauchi State have no formal education 49.2% of financially excluded adults are in the 18 to 25 age bracket When comparing financially excluded men with women, a higher proportion of financially excluded women in Bauchi State have no formal education (74.1% of women vs. 54.8% of men) Education profile Age profile No formal education Primary Secondary Tertiary 22.5% 16.0% 19.1% 20.3% 8.3% 14.0% 2.4% 1.6% 1.9% 54.8% 74.1% 65.0% % 19.1% 19.5% 20.4% 13.0% 16.5% 8.2% 5.4% 6.7% 13.0% 3.4% 8.0% 38.4% 59.0% 49.2% 12
13 13 Bauchi State Source/Level of Income of the Financially 23.4% of the financially excluded adult population in Bauchi State get their main source of income from farming 12.4% of financially excluded women in Bauchi State get their main source of income from family/friends 31.1% of financially excluded adults earn N6,000 or less per month 30.2% of financially excluded women in Bauchi State do not receive an income Main source of income Monthly income Farming Own business (non farming) Trading of good and services (non farming) Money from family/friends Return on investments Salary from domestic work/farm labour 2.5% 12.4% 7.7% 1.4% 0.5% 0.9% 1.4% 0.9% 1.1% 7.7% 7.2% 8.9% 8.1% 7.1% 8.7% 8.0% 23.4% Those without a main source of income are not included 41.0% No income N1-N6,000 N6,001-N20,000 N20,001-N40,000 N40, % 3.3% 0.6% 1.9% 6.8% 0.0% 3.2% 17.5% 30.2% 24.1% 26.1% 35.6% 31.1% 22.0% 15.4%
14 Bauchi State Languages Spoken and Read by the Financially 99.4% of financially excluded adults in Bauchi State speak Hausa fluently compared to only 10.6% that can speak English fluently 58.5% of financially excluded adults in Bauchi State can comfortably read Hausa compared to only 8.6% that can comfortably read English Major languages spoken fluently Major languages read comfortably Hausa 99.6% 99.3% 99.4% Hausa 60.0% 57.1% 58.5% English Pidgin English 13.6% 7.9% 10.6% 7.7% 4.9% 6.2% None of the respondents could speak Igbo or Yoruba fluently English Pidgin English 11.0% 6.5% 8.6% 3.8% 3.5% 3.6% None of the respondents could comfortably read Igbo or Yoruba 14
15 Kaduna State Education and Age Profile of the Financially There are 2.0 million financially excluded adults in Kaduna State; of which 1.1 million are women and 0.9 million are men 37.0% of financially excluded adults in Kaduna State have secondary education. However 39.4% of financially excluded women in the state have no formal education The highest proportion of financially excluded adults (41.0%) are in the 18 to 25 age bracket. This is also the case in Kano and Bauchi States Education profile Age profile No formal education Primary Secondary Tertiary 1.0% 0.9% 1.0% 28.4% 39.4% 34.5% 26.0% 28.7% 27.4% 44.5% 31.0% 37.0% % 18.7% 17.6% 21.0% 21.4% 21.2% 12.0% 12.0% 12.0% 11.4% 5.6% 8.2% 39.4% 42.3% 41.0% 15
16 16 Kaduna State Source/Level of Income of the Financially 24.8% of financially excluded adults in Kaduna State get their main source of income from farming 22.4% of financially excluded adults in Kaduna State earn N6,000 or less per month. However, 27.7% of financially excluded women in Kaduna State do not receive an income Main source of income Monthly income Farming Own business (non farming) Trading of good and services (non farming) Money from family/friends Salary from domestic work/ farm labour labour Salaryfrom informal sector 10.6% 6.7% 8.4% 9.7% 16.6% 13.5% 8.9% 16.9% 13.3% 5.9% 1.2% 3.3% 5.1% 0.0% 2.3% 34.2% 17.2% 24.8% Those without a main source of income are not included No income N1-N6,000 N6,001-N20,000 N20,001-N40,000 N40, % 27.7% 19.2% 21.6% 23.0% 22.4% 28.0% 15.0% 20.7% 10.8% 4.7% 7.4% 7.1% 1.8% 4.2%
17 Kaduna State Languages Spoken and Read by the Financially 68.5% of the financially excluded adult population in Kaduna State can speak English fluently, whilst 60.3% of them can comfortably read English Hausa is the language that most financially excluded adults in Kaduna State can speak fluently and comfortably read Major languages spoken fluently Major languages read comfortably Hausa English 71.1% 66.4% 68.5% 92.8% 88.5% 90.4% Hausa English 72.3% 66.7% 69.2% 62.1% 58.8% 60.3% Pidgin English Yoruba 0.4% 1.1% 0.8% 26.2% 26.4% 26.3% None of the respondents could speak Igbo fluently Pidgin English Yoruba 9.2% 16.8% 13.4% 0.4% 0.0% 0.2% None of the respondents could comfortably read Igbo 17
18 Katsina State Education and Age Profile of the Financially There are 1.9 million financially excluded adults in Katsina State; of which 1.1 million are women and 0.8 million are men 68.3% of financially excluded adults in Katsina State have no formal education. An even greater proportion of financially excluded women (77.6%) have no formal education 38.5% of financially excluded adults in Katsina State are in the 18 to 25 age bracket; this is followed by those in the 34 to 45 age bracket (23.6%) Education profile Age profile No formal education Primary Secondary Tertiary 17.7% 13.1% 15.0% 21.4% 8.9% 13.9% 6.2% 0.4% 2.8% 54.8% 77.6% 68.3% % 16.3% 19.1% 19.7% 26.4% 23.6% 8.8% 10.3% 9.7% 10.6% 7.9% 9.0% 37.7% 39.1% 38.5% 18
19 Katsina State Source/Level of Income of the Financially 25.4% of financially excluded adults in Katsina State get their main source of income from their own business (non farming) 29.1% of financially excluded adults in Katsina State earn N6,000 or less per month. A greater proportion of excluded women do not receive an income, when compared with men (34.7% vs. 12.9% respectively) Own business (non farming) Main source of income Farming Trading of good and services (non farming) Money from family/friends Salary from informal sector Return on investments 24.1% 3.5% 11.9% 6.9% 11.7% 9.7% 0.8% 0.0% 0.3% 0.5% 1.5% 1.1% 27.7% 23.8% 25.4% 17.4% 13.5% 15.1% Those without a main source of income are not included No income N1-N6,000 N6,001-N20,000 N20,001-N40,000 N40,001+ Monthly income 12.9% 34.7% 25.8% 23.1% 33.2% 29.1% 28.9% 8.3% 16.7% 4.2% 0.3% 1.9% 3.3% 5.7% 4.8% 19
20 Katsina State Languages Spoken and Read by the Financially Hausa is the language most spoken fluently by financially excluded adults in Katsina State Only 17.4% of financially excluded adults in Katsina State speak English fluently and 9.6% can comfortably read English Major languages spoken fluently Major languages read comfortably Hausa 99.6% 100.0% 99.8% Hausa 60.6% 51.8% 55.4% English Pidgin English Yoruba 0.9% 0.0% 0.4% 0.3% 0.1% 0.2% 21.9% 14.4% 17.4% None of the respondents could speak Igbo fluently English Pidgin English 0.1% 0.0% 0.0% 6.6% 14.0% 9.6% None of the respondents could comfortably read Yoruba or Igbo 20
21 Sokoto State Education and Age Profile of the Financially There are 1.6 million financially excluded adults in Sokoto State; of which 0.7 million are women and 0.9 million are men 80.2% of financially excluded adults in Sokoto State have no formal education. Whereas 88.7% of financially excluded women have no formal education 33.2% of financially excluded adults in Sokoto are in the 18 to 25 age bracket; this is followed by those in the 34 to 45 age bracket (24.9%) Education profile Age profile No formal education Primary Secondary Tertiary 8.8% 6.1% 7.5% 18.3% 4.9% 12.1% 0.0% 0.4% 0.2% 72.9% 88.7% 80.2% % 33.2% 33.2% 17.7% 26.7% 21.9% 22.4% 27.7% 24.9% 11.8% 5.8% 9.0% 15.0% 6.5% 11.1% 21
22 Sokoto State Source/Level of Income of the Financially The main source of income for 22.6% of excluded adults in Sokoto State is from farming The main source of income for 30.4% of financially excluded women in Sokoto State is from family/friends 20.6% of financially excluded adults in Sokoto do not receive an income Main source of income Monthly income Farming 36.8% 6.0% 22.6% No income 16.8% 25.1% 20.6% Own business (non farming) 15.6% 15.3% 15.5% N1-N6, % 17.9% 17.4% Trading goods and services(non farming) 10.1% 5.5% 8.0% N6,001-N20, % 8.6% 9.4% Money from family/friends Govt salary 6.8% 30.4% 17.7% 1.2% 0.6% 0.9% Those without a main source of income are not included N20,001-N40,000 N40, % 1.0% 2.3% 3.6% 0.5% 2.2% 22
23 Sokoto State Languages Spoken and Read by the Financially 81.7% of the financially excluded adult population in Sokoto State can speak English fluently, whilst only 30.4% of them can comfortably read English 87.6% of financially excluded adults in Sokoto State can speak Hausa fluently, whilst only 31.7% of them can comfortably read Hausa Major languages spoken fluently Major languages read comfortably Hausa English Pidgin English Yoruba Igbo 1.3% 0.5% 0.9% 0.6% 0.4% 0.5% 0.5% 0.4% 0.5% 88.8% 86.3% 87.6% 80.7% 82.7% 81.7% Hausa English Pidgin English 0.5% 0.5% 0.5% 27.2% 31.7% 33.0% 27.4% 35.5% 30.4% None of the respondents could comfortably read Yoruba or Igbo 23
24 24 Disclaimer Should any part of this presentation be utilised, EFInA must be acknowledged as the source. No part, set or subset of the data in the presentation thereto will be modified, distributed or reproduced without EFInA s prior written permission.
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