Purpose The purpose of this paper is to evolve a theoretical account that highlights the determinations for achieving financial inclusion in Islamic finance. Design/methodology/approach The methodology used is a library approach where the existing and relevant document remains the sources of concern. Findings The outcome of the study designates that robust technology; microcredit and microfinance services; legal and regulatory commitment of the regulators and policymakers of the Islamic financial institutions; extensive public awareness of Islamic financial services and products; financial proficiency and literacy; and financial infrastructure are some of the imperative drives for realising financial inclusion particularly for women, low income earners and rural poor. Research limitations/implications The paper limited itself to realising financial inclusion in Islamic finance. Thus, anything beyond the stated limitation is outside the scope of our objective. The paper has an inference for the concerned professional bodies, regulators, policymakers, stakeholders and practitioners of Islamic financial institutions. Originality/value The paper is original in its nature, it is also a pearl and a reference to those who may conceive and cherish the relevance of its capacity.

Water and energy are essential resources for all people. However, despite the availability of sufficient water and energy resources, men and women continue to be subject to unequal rights to both water and energy in terms of access, allocation, gathering, and quality of resources. Socio-economic parameters, which include gender, income, and location, are determinant factors of water and cooking energy accessibility in this study. The research aims to assess the accessibility of water and cooking fuels across female-headed households, and evaluate particular vulnerabilities and challenges faced by women and children in rural areas of Katsina State in circumstances of water and energy insecurities. A study involving a questionnaire covering 550 rural households across 11 areas in Katsina State, north-western Nigeria, was conducted. A Pearson product correlation analysis was performed to measure the strength of association between the respondents educational level and income. A chi-square test of independence was carried out to measure the degree of dependence of the households’ resources accessibility. The authors assessed the disproportionate threats and health risks linked to fetching water and gathering of fuel resources. The research findings indicate that water and energy uncertainty among women in rural households is due to unequal responsibilities associated with water- and energy-related household duties that are potentially linked to disadvantages for females, including violence, security threats, diseases, and disempowerment. To address these challenges, water and energy interventions, and important pathways for beneficial change, are proposed for rural regions in sub-Saharan Africa. This should lead to more gender equity associated with water and energy.

Although remarkable progress has been achieved in reducing hunger and poverty and improving people’s health in the past couple of decades, humanity still faces considerable socio-economic and sustainability challenges. Ensuring sustainable access to safe and sufficient water, improved sanitation facilities, clean energy sources and healthy food is a necessary requirement for ending hunger and poverty, advancing health and achieving all the goals of the sustainable development agenda. Socio-economic variables are determinant factors of water, energy and food accessibility. Ecological region, income and education are measures used in this study, which aims to examine a pairwise comparison of water and energy sources, sanitation facilities and food accessibilities in six sampling communities and tracking progress towards achieving the sustainable development goals (SDG) at a local scale using nine specific SDG indicators. A study involving questionnaire administration covering 1785 households across the three ecological regions of Katsina state was performed. Two communities representing urban and rural households from each of the ecological regions were selected. An analysis of variance was used to test the equality of resource accessibility across the investigated communities followed up by a post hoc analysis to identify significant mean groups. The results showed that the overall access level to safely manage water and sanitation facilities were 16.5% and 28.1%, respectively. Access indices of 1.83 and 1.24 for electricity and cooking fuel, respectively, were calculated in the study area. The study revealed that location, education and income are the key drivers of water, energy and food access and choice.

Everyone has the right to secure water, energy, and food supplies. These essential resources are stressed in many countries. With the current population growth rate and urbanisation, especially in sub-Saharan Africa, there is a need for more food, water, and energy to sustain the increasing population. The aim of this study was to assess the inter-relationship among water and energy in various urban and rural households to support food and nutrition security. Considering the social-economic peculiarities of the region, a specific framework and questionnaire were developed for the study. A survey involving 1785 questionnaires was conducted. Urban and rural stratification methods were used in selecting settlements across the regions. The household’s nutritional status was measured in relation to protein-rich foods as well as vegetable and fruit consumption. In addition to the Person’s correlation coefficient, which was applied to measure the association between two categories of food consumption, the chi-squared test of interdependence to determine the effect of the urban–rural dichotomy on resource utilisation was calculated. The findings indicate a high risk of undernourishment associated with insufficient sources of water and energy, as well as inappropriate sanitation facilities, especially in rural communities.