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.
USSD Cut-Off Saga – An Inclusion For All Documentary
USSD Cut-Off Saga – An Inclusion For All Documentary
In May, Nigerian telcos approved the suspension of USSD service access from Nigerian banks due to the banks’ accumulated debt of N210 billion (U...
Tabawa’s Story
Tabawa’s Story
Tabawa has her NIN and knows how it is well accepted. She highlighted that the older ones in her community do not care about having a NIN because they...
Joy’s Story
Joy’s Story
Joy declares that she has a formal ID – the Permanent Voter’s Card has her means of identification and also used it in opening her bank acco...
Shadia’s Story
Shadia’s Story
Shadia shares her awareness of the availability of a range of formal IDs including NIN, BVN, and Voters’ Card. She urges the government to bring the...
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.
News & announcements
Inclusion for All / Inclusion for all
Imagine a Nigeria where all adult NIN holders are banked
Enrolment barriers
Gender
Inclusion for All / Inclusion for all
Inclusion for all (I4ALL) and International Institute of Tropical Agriculture (IITA) research highlights access to formal identity challenges for female agricultural communities and the impact on livelihoods.
Enrolment barriers
Gender
Service delivery
Inclusion 4 All / Inclusion for all
Press Release: Inclusion for all research identifies groups most vulnerable to identity exclusion
Enrolment barriers
Funding challenges
Gender
Policy/Regulatory gaps
The data and the stories
Enrolment barriers
What barriers need to be removed to accelerate
ID enrolment for all?
Funding challenges
What funding challenges need to be overcome to improve identity roll-out?
Gender
What are the gender nuances that need to be considered to ensure women are not disproportionately excluded from formal ID ownership?
Policy/Regulatory gaps
What policy or regulation gaps need to be filled to enable ID ownership for the excluded groups?
Service delivery
What do service providers need to know to ensure they don’t widen the exclusion gap for ID ownership?
USSD Cut-Off Saga – An Inclusion For All Documentary
In May, Nigerian telcos approved the suspension of USSD service access from Nigerian banks due to the banks’ accumulated debt of N210 billion (USD 261.36 million) in USSD fees. This decision might seem like just another business move, but it could have significant consequences for financial inclusion. In a country where 38% of the population […]
Policy/Regulatory gaps
Tabawa’s Story
Tabawa has her NIN and knows how it is well accepted. She highlighted that the older ones in her community do not care about having a NIN because they are not interested in opening bank accounts. She highlighted that the long queues and poor network are the most challenging issues people have to deal with […]
Gender
Joy’s Story
Joy declares that she has a formal ID – the Permanent Voter’s Card has her means of identification and also used it in opening her bank account. She shares how the cash scarcity adversely impacted the sales of her farm produce.
Gender
Shadia’s Story
Shadia shares her awareness of the availability of a range of formal IDs including NIN, BVN, and Voters’ Card. She urges the government to bring the NIN enrollment closer to their community for convenient access and further states that they wouldn’t mind paying a small fee to ensure they get access to original NINs based […]
Gender
Rabi’s Story
Rabi shares that women in their 30s and above do not have birth certificates but those in their 20s and below do have their birth certificates in her community. She also highlights that 70% of women in her community have registered for their NIN which they are yet to receive. According to her, the creation […]
Gender
Oreoluwa’s Story
Oreoluwa shares her awareness of the different means of identification, and the importance of owning one. She further cites a lack of education and a lack of understanding as why some other women in her community don’t understand the value of owning formal identification like NIN.
Gender
