Promoting Financial Inclusion of Correctional Facility Inmates in Kano State Through Islamic Banking: A Qualitative Inquiry
DOI:
https://doi.org/10.61143/umyu-jafr.8(1)2025.024Keywords:
Islamic Banking, Financial Inclusion, Correctional Facility Inmates, Social Reintegration, Kano StateAbstract
Financial inclusion “remains a critical driver of socio-economic development, yet marginalized groups such as correctional facility inmates are often excluded from formal financial systems. This study explores the prospects and challenges of promoting financial inclusion for inmates in Kano State, Nigeria, through Islamic banking services. Employing a qualitative research design, data were collected via in-depth interviews and focus group discussions involving 30 inmates, 10 prison officials, 7 Islamic banking representatives, and 5 policymakers. Thematic analysis revealed four key themes: limited awareness and financial literacy regarding Islamic finance among inmates; institutional and regulatory barriers restricting inmates’ access to banking services; perceived benefits of Shariah-compliant products such as Qard al-Hasan (interest-free loans) and Mudarabah (profit-sharing) in supporting rehabilitation; and recommendations for implementing inclusive financial services within prisons. Findings highlight a significant knowledge gap and restrictive legal frameworks that inhibit financial engagement but underscore strong stakeholder interest in leveraging Islamic finance as a tool for social reintegration and economic empowerment. The study advocates for policy reforms, development of secure digital banking platforms, and integration of financial literacy programs focused on Islamic finance principles within correctional rehabilitation curricula. By bridging Islamic finance with prison reform initiatives, this research contributes novel insights to the growing discourse on ethical finance and social justice. Ultimately, enabling financial inclusion for correctional inmates through Islamic banking in Kano State holds promise for fostering responsible financial behaviour, reducing recidivism, and promoting sustainable” post-release livelihoods.
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