THE ROLE OF FEMALE ISLAMIC PREACHERS IN PROMOTING FINANCIAL INCLUSION THROUGH ISLAMIC FINANCE IN NORTHWEST NIGERIA

Abstract

This “study investigates the influential role of female islamic preachers in enhancing financial inclusion through Islamic finance in the northwest region of Nigeria. Within predominantly Muslim communities where conventional banking is often met with skepticism due to religious and cultural concerns, Islamic finance presents a faith-aligned alternative. Female islamic preachers, as trusted educators and community guides, play a vital role in raising awareness and encouraging the adoption of Islamic financial instruments such as zakat, qard al-hasan, and cooperative savings schemes. Through qualitative interviews and case studies, this research demonstrates how these preachers effectively bridge the gap between formal Islamic financial services and grassroots populations, particularly women. The findings suggest that empowering female Islamic preachers significantly improves financial literacy and participation, thereby fostering inclusive economic growth and reducing poverty in the region. This paper offers valuable insights for policymakers, financial institutions, and community leaders aiming to implement culturally appropriate financial inclusion” strategies.