Abstract
This study investigated the effect of financial inclusions of micro, small and medium enterprises (MSMEs) development in Nigeria. The methodology adopted for evaluation of the model is the multiple linear regression method. This choice of method is necessitated by the nature of the study which in this case is an analysis of relationship among variables. The statistical methods used included Unit root test, the Co-integration test and error correction model. Data was sourced from CBN statistical Bulletin 1981-2019. The results show that, whereas financial inclusion positively and significantly impacts the operations and development of MSMEs, distance to financial services, access points and infrastructural deficiency challenged fast and effective access to financial services by MSMEs in Nigeria. The study recommends that deliberate efforts should be made to spread access points to more rural areas and improve infrastructure to promote FI. This should include a policy roadmap for expanding financial services access points to unbanked and underserved areas using the financial services geospatial map
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