David Terfa Akighir|Tyagher Margaret|Jacob Terungwa Tyagher|Tordue Emmanuel Kpoghul
An Empirical Analysis of the Impact of Agency Banking on Financial Inclusion in Benue State, Nigeria: Implications for Economic Activities
Benue State University|The Federal Polytechnic, Ado-Ekiti|Benue State University
twelve 12 twentythree 23 local government areas lgas benue state presence banks long period time situation deprived inhabitants lgas access formal financial services advent agency banking study therefore investigates impact agency banking financial inclusion economic activities benue state focusing agency banking activities first bank ltd study anchored agency theory used survey design study utilized primary secondary data analyzed using descriptive statistical tools structural equation models findings study revealed agency banking activities first bank ltd immensely enhanced financial inclusion economic activities benue state however challenges shortages cash security problems network failures lack financial literacy militating smooth operations agency banking state basis findings study recommended among others banks operating state encouraged venture agency banking state wider coverage agency banking state also government provide security partner private sector provide national carrier communication network system overcome network failure challenge finally banks intensify efforts educate masses validity potency agency banking