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Financial Inclusion and Sustainability of Small and Medium Enterprises in North Central Nigeria

Small and Medium Enterprises (SMEs) are vital to economic development in Nigeria, yet their sustainability is constrained by limited access to formal financial services. While financial inclusion is promoted as a key enabler, its effectiveness remains inconsistent, suggesting the influence of contextual factors. This study investigates the relationship between financial inclusion and SME sustainability in North Central Nigeria. Anchored in Financial Intermediation Theory and the Theory of Financial Inclusion, the research employs a quantitative, cross-sectional design. Data were collected via …

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