Digital Financial Inclusion, Green Energy Adoption, and Household Health Outcomes in Nigeria: Evidence from Logit Regression Analysis

This study investigates the impact of digital financial inclusion and green energy adoption on household health outcomes in Nigeria using ordered logit and logit regression as robustness check models. The ordered logit results reveal that age and household size significantly influence health outcomes, with larger households and older populations facing higher risks. Income and urban residence provide protective effects under mild conditions but lose significance under severe health shocks, highlighting socioeconomic disparities. Green energy adoption, particularly liquid natural gas (LNG), is consistently associated with reduced probabilities of adverse health outcomes, underscoring its role in mitigating indoor air pollution and respiratory illnesses. Conversely, reliance on electric stoves shows mixed effects, reflecting infrastructural challenges in electricity supply. Digital financial inclusion demonstrates nuanced effects. Mobile phone ownership emerges as a robust determinant of improved health outcomes, facilitating access to health information and financial tools. Mobile banking reduces moderate health risks but is positively associated with severe outcomes, suggesting its role as a coping mechanism during crises. Account ownership alone shows limited effects, indicating that access must be paired with effective utilization. The composite measure of digital finance and green energy adoption highlights the synergistic benefits of integrating financial and energy policies to enhance household resilience. Clean energy adoption directly reduces environmental health risks, while digital financial inclusion enhances resilience against shocks. Policy interventions should therefore prioritize expanding LNG adoption, strengthening digital connectivity, and integrating financial services with health systems to achieve sustainable improvements in household welfare.

کلیدواژه ها:

Digital financial inclusion ، Green Energy ، Household health outcomes ، Nigeria ، Resilience ، Sustainable development