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SUSTAINABLE FINANCE IN NIGERIA'S FINANCIAL SECTOR: OBSTACLES, GLOBAL LESSONS, AND OPPORTUNITIES FOR MAINSTREAMING ESG INTEGRATION

ナイジェリア金融セクターにおけるサステナブルファイナンス：ESG統合の障害、グローバルな教訓、主流化の機会 (AI 翻訳)

Chinonso Victor Anidiobi, Chinonyerem Kindness Madu, Chikaodili Glory Napoleon

Crossrefプレプリント2026-01-01#ESG経営インパクト: 資金調達対象セクター: finance
DOI: 10.2139/ssrn.6510058
原典: https://doi.org/10.2139/ssrn.6510058

🤖 gxceed AI 要約

日本語

本論文は、ナイジェリアの金融セクターにおけるESG統合の現状を分析し、政策と実践の乖離を批判的に検討する。ステークホルダー理論、制度理論、リスク管理理論を基に、5つの障壁（弱い政策枠組み、経済的コスト、短期的利益志向、認識不足、データ不足）を特定する。EU、中国、南アフリカ、インド、ブラジルの比較分析から、国家グリーンファイナンスタクソノミー、ISSB準拠の義務的開示、ブレンデッドファイナンス、フィンテック連携によるESGデータプラットフォームなどを提言する。

English

This paper critically analyzes the current state of ESG integration in Nigeria's financial sector, identifying five key barriers: weak policy frameworks, prohibitive costs, short-term profit orientation, lack of awareness, and data deficiencies. Drawing on global best practices from the EU, China, South Africa, India, and Brazil, it proposes a national green finance taxonomy, mandatory ISSB-aligned disclosure, blended finance mechanisms, and centralized ESG data platforms via fintech partnerships. The study contributes to sustainable finance literature for developing economies and offers policy guidance.

Unofficial AI-generated summary based on the public title and abstract. Not an official translation.

📝 gxceed 編集解説 — Why this matters

日本のGX文脈において

日本の金融セクターでもSSBJ対応やグリーンファイナンス推進が進む中、本論文は発展途上国特有の制度的・情報的障壁を示す。日本企業の新興国進出時や、国際的なESG開示基準の相互運用性を考える上で参考になる。

In the global GX context

This paper is relevant to global sustainable finance discourse as it examines challenges in a developing economy context. It offers insights for international investors and standard-setters (ISSB, etc.) on the practical hurdles of ESG mainstreaming outside advanced markets, and highlights the need for blended finance and technological solutions to bridge the gap.

👥 読者別の含意

🔬研究者:This paper provides a multi-theoretical framework and comparative analysis that can inform future research on sustainable finance in emerging markets.

🏢実務担当者:Financial institutions in developing countries can learn from the proposed taxonomy, disclosure standards, and fintech partnerships to improve ESG integration.

🏛政策担当者:Regulators in Nigeria and similar economies can adopt the recommended policy measures, including mandatory ISSB-aligned disclosure and blended finance, to accelerate sustainable finance.

📄 Abstract（原文）

<i>The increasing desperation of environmental degradation, social inequality, and governance failures has moved sustainable finance from a marginal issue to a core pillar of world economic discussion. However, in Nigeria, the implementation of environmental, social, and governance (ESG) principles into the financial system is still mostly mere wishful thinking due to a complex of structural, institutional, and informational constraints. This paper critically analyses the current situation of sustainable finance in financial sector of Nigeria, questioning the discrepancy between policy intention and its application. Based on the Stakeholder Theory, Institutional Theory and Risk Management Theory, the research forms a multi-theoretical perspective on why adoption has not yet succeeded despite the growing regulatory indicators and world trends. The paper extracts practical lessons applicable to the Nigerian situation through a comparative analysis of global best practices such as Sustainable Finance Action Plan of the European Union, Green Credit Policy in China, a banking-sector-based sustainability model in South Africa, and experience in emerging economies of India and Brazil. Five interconnected barriers are identified: weak and predominantly voluntary policy frameworks, prohibitive economic and infrastructural costs, deeply ingrained institutional resistance due to the short-term profit orientation, lack of public awareness, and stakeholder fragmentation, a major technological and data deficiency undermining credible ESG reporting. To tackle these challenges, the paper recommends a set of evidenced-based solutions, such as the creation of a national green finance taxonomy, the compulsory disclosure of ESG information in line with the standards of the International Sustainability Standards Board, blended financing mechanisms to de-risk green investments, the adoption of the centralized ESG data platforms in partnership with fintech innovators. The results add to the emerging yet expanding literature on sustainable finance in developing economies, and provide useful advice to policymakers, financial regulators, and industry practitioners on how to bring the Nigeria financial architecture in line with both national and global development agendas, as well as sustainability commitments.</i>

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