Islamic Financial Literacy and Financial Inclusion among Persons with Disabilities in Kano State: A Socioeconomic Analysis

Abstract

This study investigates Islamic financial literacy and financial inclusion among persons with disabilities (PWDs) in Kano State, Nigeria, using a qualitative exploratory design. Thirty participants, including 25 PWDs and 5 key stakeholders, were purposively sampled and engaged through in-depth interviews and focus group discussions to capture nuanced experiences and challenges often overlooked by quantitative approaches. Findings indicate that physical inaccessibility of financial institutions and dependence on informal networks for Islamic financial knowledge significantly constrain PWDs’ engagement with Shariah
compliant services. While trust in Islamic finance exists, structural and educational barriers limit meaningful participation. To enhance inclusion, the study recommends that Islamic financial institutions implement accessible infrastructure, provide disability-sensitive financial literacy programs, and collaborate with religious leaders and disability organizations to deliver tailored Shariah-compliant services. These interventions translate Islamic ethical principles into actionable strategies, promoting equitable financial participation, social justice, and the socioeconomic empowerment of PWDs.