Point-of-Sale (POS) and Purchasing Power: Assessing Cash Feasibility in Northwest Nigeria

Wait 5 sec.

Country: Nigeria Source: Fact Foundation Please refer to the attached file. Executive SummaryThis report presents a comprehensive analysis of cash feasibility in Northwest Nigeria, drawing on data from 513 key informant surveys conducted across 138 Local Government Areas (LGAs) and 481 communities in Jigawa, Kano, Katsina, Kebbi, Sokoto, and Zamfara states. The assessment reveals a region predominantly reliant on climate-sensitive livelihoods such as farming, yet grappling with significant economic headwinds, particularly widespread food price inflation. Critical to cash delivery is the ubiquitous presence of Point-of-Sale (POS) agents as the primary financial access channel. This complex context shapes a strong community preference for cash-based assistance. While Kano and Katsina demonstrate the most conducive environments for cash programming due to their robust markets and financial infrastructure, Zamfara faces unique complexities stemming from insecurity, which severely disrupt market functionality and underscore the need for context-specific interventions. Overall, cash-based interventions are highly feasible across much of the Northwest, but their effectiveness hinges on understanding underlying vulnerabilities, addressing inflation impacts, strategically leveraging agent networks, and navigating localised security complexities.