RELIGIOUS ECONOMY AND ETHICAL DILEMMAS IN CONTEMPORARY NIGERIA: BETWEEN FAITH, COMMERCE AND MORAL ACCOUNTABILITY

Abstract

The relationship between religion and economic life in Nigeria has become increasingly complex, particularly within contemporary Christianity where spiritual practices intersect with commercial and entrepreneurial activities. This study critically examines the religious economy of Christianity in Nigeria, analysing how churches operate within broader socio-economic systems while simultaneously shaping moral and cultural values. It engages concepts such as tithing, prosperity theology, and religious entrepreneurship to demonstrate how financial practices contribute to institutional expansion as well as growing ethical concerns. Despite Christianity‘s continued contribution to education, social welfare, and community development, its increasing monetisation raises pressing questions around transparency, accountability, inequality, and the integrity of spiritual leadership. The study adopts a conceptual and critical analytical approach, drawing on existing scholarly literature to interrogate how moral accountability is negotiated within Nigerian church structures under conditions of economic intensification. Findings suggest that while religious commercialization enhances organisational sustainability, it also risks undermining spiritual authenticity and public trust. The study argues that the long-term relevance of Christianity in Nigeria depends on strengthening ethical governance and reinforcing theological principles of stewardship, responsibility, and social justice. It concludes that a balanced integration of faith and economic practice is necessary to sustain both spiritual integrity and socio-economic relevance.