Financial Inclusion

Women’s financial inclusion is not just about money it is about power, protection, and possibility. When a woman controls her own account and mobile wallet, she is less vulnerable to having her income diverted or confiscated. Her children stay in school longer, her household eats better, and her business grows faster. During the 2020–2022 inflation spike, households where women used mobile money maintained food security longer than cash-only households. This is not theory it is what the data consistently shows, including evidence from the Central Bank of Nigeria’s Targeted Credit Facility.  

About

Nigerian women own approximately 41% of microenterprises, yet only 19% have access to formal credit. Most rely on informal savings groups or high-interest lenders, which limits how much they can invest in inventory, equipment, and training. Women’s Financial Inclusion program exists to change that connecting women entrepreneurs to bank accounts, mobile money, and collateral-free loans that unlock the full potential of the businesses they have already built.

Our Impacts

Through this program, women entrepreneurs gain access to formal financial tools that directly grow their businesses with revenue rising 20-40% within two years. Women reinvest 80-90% of their income back into their families’ health, education, and nutrition compared to 30-40% for men multiplying the impact across every household and community we reach. We have also drawn women traders into the formal economy, expanding the tax base, reducing cash-driven corruption in market levies, and opening doors to government grants and contracts that were previously out of reach.

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Our Goals

  • Connect women entrepreneurs to collateral-free loans, bank accounts, and mobile money platforms that match their business realities.
  • Increase business revenue by 20-40% within two years for women transitioning from informal lending to formal financial tools.
  • Reduce household vulnerability by ensuring women maintain direct control over their income and financial decisions.
  • Bring women traders into the formal financial system, expanding their access to government grants, contracts, and long-term economic security.