Asma'u Makarfi ta kasan ce matar tsohon gwamnan jahar Kaduna wato Ahmed Makarfi Hajiya Asma’u Maƙarfi ta fara karunta na firamari a shekara ta 1977 a makarantar Kaduna Capital School. Inda ta fara samo wayewarta akan harkan ilimi da ɗabi’a ta kula da yara. Ta kammala karatunta na firamari ba tare da wata tangarɗa ba a shekara ta 1983 inda ta samu adimission a makarantar Queen Amina Kaduna wanda ta kasance makarantar mata ce zalla. Ta kammala karantunta na sakandiri ba tare da wata tangarɗa ba inda ta samu zarcewa zuwa ga babban jami’ar Ahmadu Bello dake zaria a shekara ta 1989 ta karanci Banking and finance a matakin diploma. Sannan ta zarce tayi digiri a kan Accounting and Finance duk a Jami’ar Ahmadu Bello a shekara ta 1997. Asma’u ta kammala karatunta kuma ta zarce kai tsaye wajen Bautar ƙasa, atau NYSC a shekara ta 1998 a jihar kaduna. Kabir, Hajara Muhammad. Northern women development. [Nigeria]. ISBN 978-978-906-469-4. OCLC 890820657. Kabir, Hajara Muhammad. Northern women development. [Nigeria].p.p 160-161 ISBN 978-978-906-469-4.