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This study investigates the relationship between financial inclu-
sion and household welfare in Nigeria from a gendered per-
spective, using data from the 2018/2019 Nigeria General
Household Survey comprising approximately 5,000 households.
Household welfare is measured using total household con-
sumption, categorized into high and low consumption levels,
while financial inclusion is captured through bank account own-
ership, formal savings, informal savings, and insurance owner-
ship. The study employs binary logistic regression, with separate
estimations for male- and female-headed households. The find-
ings show that formal financial inclusion variables significantly
increase the likelihood of higher household consumption in the
overall sample and among male-headed households.
