
doi: 10.2139/ssrn.6706718
This study investigates the interplay between women entrepreneurship, financial inclusion, and intergenerational wealth creation in Monguno Local Government Area (LGA), Borno State, northeast Nigeriaa post-conflict community situated within the Lake Chad Basin and severely affected by the Boko Haram insurgency. Anchored within the United Nations Sustainable Development Goals framework, specifically SDG 5 (Gender Equality) and SDG 10 (Reduced Inequalities), the research adopts a mixed-methods design combining structured surveys administered to 384 women entrepreneurs (selected through stratified random sampling) with in-depth interviews and focus group discussions. Employing the Capability Approach, Social Capital Theory, and the Financial Inclusion Framework, the study examines how access to formal and informal financial services, microfinance institutions, digital payment platforms, and savings groups mediates the relationship between women's entrepreneurial activity and the accumulation and transfer of wealth across generations. Findings reveal that while there has been a measurable increase in women's participation in petty trade, agri-food processing, and artisanal production, systemic barriersincluding gender-discriminatory collateral requirements, low digital literacy, normative constraints, and conflict-induced asset depletionseverely constrain the depth and sustainability of financial inclusion. The study identifies conditional cash transfers, community-based savings schemes (adashi), and mobile money platforms as critical but underutilized channels for wealth-building. Crucially, children's educational attainment and business succession planning emerge as primary conduits of intergenerational wealth transfer. The paper recommends gender-responsive financial product design, targeted digital financial literacy programmes, and context-sensitive policy reforms aligned with Nigeria's National Financial Inclusion Strategy (NFIS) 2.0 and the Buhari SocioEconomic Recovery Plan. The findings contribute original empirical evidence to the nascent literature on post-conflict feminist entrepreneurship and financial inclusion in sub-Saharan Africa.
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