We want barriers to financial inclusion removed for marginalised Nigerian communities.

Our first priority National Identity Numbers For All

Marginalised Nigerians are more likely to be excluded from the formal economy due to a lack of ID; and the current ID enrolment framework presents barriers that disproportionately disadvantage these groups.

News & announcements

73% of Nigeria's unbanked adults unlikely to have the required ID to open a Tier-3 bank account.

National identity numbers for all

1
The poorer you are, the less likely you are to have an ID.

The likelihood of the respondents in the 2020 EFInA study owning ID decreased for every percentile (richest to poorest) of the World Bank's Poverty Probability Index category.

2
Women, likely to be farmers or traders, living in rural areas are most vulnerable.

73% of Nigeria's unbanked adults identified in the 2020 EFInA survey did not have the required ID to open a Tier-3 bank account - likely to be women, poor farmers, living in rural communities.

3
Identity is just a start.

Having ID does not make these groups formally included, but transitioning into formal inclusion is dependent on it.

The data and the stories

Inclusion 4 All / Inclusion for all

Women, rurality & inclusion – Digital ID as a game-changer

On the 2022 Financial Inclusion Week special podcast episode of Inclusion for all radio – Chinasa Collins-Ogbuo; our podcast host and Head, Inclusion for all initiative is joined by Saude Amina Atoyebi – Head, Kaduna State Social Investment Office. Saude discusses the gender and urban/rural discrepancies in NIN (National Identity Number) enrollment and bank ownership […]

Enrolment barriers Gender

November 9, 2022

Inclusion 4 All / Inclusion for all

world Nigeria

Gender, National Identity & Age

Women Over the age of 39 are progressively less likely to own and ID than their male Counterparts and the gender gap expands the older the respondents get indicating that the older the woman is, the less likely she is to have an ID.

Enrolment barriers Gender

November 9, 2022

Inclusion 4 All / Inclusion for all

world Nigeria

Gender, National Identity and Poverty

Women are less likely to have ID than men at every level of the World Bank’s Poverty Probability index and the gender gap widens as they get poorer.

Enrolment barriers Funding challenges Gender

November 9, 2022

Inclusion 4 All / Inclusion for all

world Nigeria

Understanding the link between poverty and ownership of Nigeria’s National Identity Number

The likelihood of respondents having ID decreases at every percentile of the World Bank’s Poverty Probability Index, demonstrating clearly that the poorer you are, the less likely you are to have ID.

Enrolment barriers Funding challenges

November 9, 2022

Inclusion 4 All / Inclusion for all

world Nigeria

National identity registrations & financial exclusion by state

This map shows the number of national identity registrations by State, mapped against the level of financial exclusion.

Enrolment barriers Funding challenges

November 9, 2022

Inclusion 4 All / Inclusion for all

world Nigeria

Financial inclusion, poverty and respondents with and without ID

Financially excluded respondents with a high likelihood of poverty based on the World Bank’s Poverty Probability Index, are considerably more likely not to have National Identity, than respondents who are banked indicating a strong correlation between the communities without National Identity and those who are financially excluded.

Enrolment barriers

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The resource centre

Your one-stop shop for valuable information, data and campaign resources.