Deprecated : Constant E_STRICT is deprecated in F:\www\www.fcmb.com\driving-inclusion\system\core\Exceptions.php on line 75
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_URI::$config is deprecated
Filename: core/URI.php
Line Number: 101
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Router::$uri is deprecated
Filename: core/Router.php
Line Number: 127
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$benchmark is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$hooks is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$config is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$log is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$utf8 is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$uri is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$exceptions is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$router is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$output is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$security is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$input is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$lang is deprecated
Filename: core/Controller.php
Line Number: 75
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$load is deprecated
Filename: core/Controller.php
Line Number: 78
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::open($save_path, $name) should either be compatible with SessionHandlerInterface::open(string $path, string $name): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 132
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::close() should either be compatible with SessionHandlerInterface::close(): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 290
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::read($session_id) should either be compatible with SessionHandlerInterface::read(string $id): string|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 164
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::write($session_id, $session_data) should either be compatible with SessionHandlerInterface::write(string $id, string $data): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 233
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::destroy($session_id) should either be compatible with SessionHandlerInterface::destroy(string $id): bool, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 313
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Return type of CI_Session_files_driver::gc($maxlifetime) should either be compatible with SessionHandlerInterface::gc(int $max_lifetime): int|false, or the #[\ReturnTypeWillChange] attribute should be used to temporarily suppress the notice
Filename: drivers/Session_files_driver.php
Line Number: 354
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: Warning
Message: session_set_cookie_params(): Session cookie parameters cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 289
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 314
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 315
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 316
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 317
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: Warning
Message: ini_set(): Session ini settings cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 375
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: Warning
Message: session_set_save_handler(): Session save handler cannot be changed after headers have already been sent
Filename: Session/Session.php
Line Number: 110
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: Warning
Message: session_start(): Session cannot be started after headers have already been sent
Filename: Session/Session.php
Line Number: 143
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$session is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property Home::$form_validation is deprecated
Filename: core/Loader.php
Line Number: 1283
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$benchmark is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$hooks is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$config is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$log is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$utf8 is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$uri is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$exceptions is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$router is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$output is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$security is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$input is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$lang is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$load is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$session is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
A PHP Error was encountered
Severity: 8192
Message: Creation of dynamic property CI_Loader::$form_validation is deprecated
Filename: core/Loader.php
Line Number: 931
Backtrace:
File: F:\www\www.fcmb.com\driving-inclusion\application\controllers\Home.php
File: F:\www\www.fcmb.com\driving-inclusion\index.php
Driving Inclusion
Driving Inclusion
FINANCIAL INCLUSION IN NIGERIA: ISSUES AND CHALLENGES
According to The World Bank Group, financial inclusion means that individuals and businesses have access to useful and affordable financial products and services that meet their needs – transactions, payments, savings, credit and insurance – delivered in a responsible and sustainable way.
Globally, financial inclusion is recognized as an important tool to drive economic development and address critical issues such as poverty eradication, unemployment etc. Statistics from the Central Bank of Nigeria (CBN) show that as at 2010, 46.3% of adults in Nigeria were excluded from access to financial services. In a bid to drive this number lower, the CBN working with other stakeholders in October 2012 launched a National Financial Inclusion Strategy with the goal of increasing financial inclusion to 80% by 2020. This Strategy outlined targets for specific areas of focus, which include access to payment services; savings; credit; insurance and pensions. Taking a cue from the CBN initiative, FCMB has over
the years paid keen attention to deploying various strategies to reach Nigeria’s unbanked population and create the right value to foster financial inclusion.