The Role of Islamic Banks in Tackling Financial Exclusion in North-East Nigeria

Muhammad, Tijjani; Khalil, Zanna

doi:10.26414/a102

Cited by 9 publications

(9 citation statements)

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“…Muhammad, & Ngah (2021). The second variable of Ignorance (IG) carries five (5) constructs which extracted from (Muhammad and Khalil, 2021). Subsequently, the Sabotage Government Policy (SGP) have five (5) constructs which also extracted from these references (Muhammad, Dauda and Mamman, 2019).…”

Section: Discussionmentioning

confidence: 99%

Islamic Banking: A Controversial Position of the Christian Association of Nigeria on Ethical Financial Services and Economic Sabotage

Muhammad¹,

Abubakar

Adam

2022

FITRAH

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The Central Bank of Nigeria approved the license of Non-interest financial institutions in the country in 2012. The approval has generated many issues and religious arguments everywhere in the country. Some supported the initiative to address poverty and financial exclusion, while others perceived Islamizing the financial sector. The study adopted a survey approach, while the questionnaires used and analyzed public perception, specifically in the Plateau State, Nigeria, using Structural Equation Modeling (SEM). The primary data survey questionnaire got 360 respondents. Some feel sensitive enough to oppose the system that is not imposed on any religious or ethical background, while others criticize the entire process of Islamic Banks in Nigeria. The study found that Islamic banks are established based on the fundamental Islamic teachings and originated from the Qur'an and the authentic Prophet Muhammad's teachings, which challenged some conventional financial institutions' practices that indicate a clear note of avoidance of such conventional facilities. Further, indicate that the Christian Association of Nigeria is sabotaging the momentum of Non-interest financial institutions through religious hate, and ignorance and sabotaging government policy to prevent the institutional contribution toward national development and economic growth in the country; using different approaches to frustrate the funding process of some government projects through Non-interest financial institutions. The paper recommends that regulatory bodies of financial institutions, specifically the Central Bank of Nigeria, should clear misunderstandings of the Christian Association of Nigeria towards national development, create awareness, and avoid discrimination in service delivery by pinpointing Islamic banking in the county.

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Section: Discussionmentioning

confidence: 99%

Islamic Banking: A Controversial Position of the Christian Association of Nigeria on Ethical Financial Services and Economic Sabotage

Muhammad¹,

Abubakar

Adam

2022

FITRAH

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“…Using a theoretical model based on the Technology Acceptance Model (TAM), Muhammad and Khalil's (2021) study investigated the factors that determine the adoption of internet banking at International Islamic University Malaysia (IIUM) and its causal effects. Four exogenous latent constructs-awareness, perceived usefulness, trust, and perceived risk-as well as one endogenous latent construct-Internet banking adoption-make up the research model.…”

Section: Empirical Reviewmentioning

confidence: 99%

Factors affecting the adoption of ATM Cash Deposit Services. A case study of ABSA Zambia, Lusaka

Katuta,

Kachamba

2024

AJOCS

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Commercial banks' investments in information technology (IT) have helped streamline operations, increase competitiveness and expand the number and quality of services offered. The automated teller machine (ATM) is arguably the world's most groundbreaking electronic innovation. ATMs according to Mwiya et al. (2017) are the most commonly used electronic delivery method for banks in Zambia. Research has indicated that investment potential, cost savings, customer satisfaction and competitiveness are the reasons for installing and expanding the existing ATM network. Despite the availability of good ATMs for depositing money, there are still long queues in front of banks during business hours as customers deposit their money at the bank counter. Therefore, the study aimed to evaluate the factors affecting the adoption of cash deposit services at ATMs. The objectives of the study were to determine the effects of perceived usefulness, perceived ease of use, effects of facilitation conditions, and effects of social influence on consumers' intentions to use cash deposit services at ATMs. To achieve the objectives, the study conducted a survey of 397 ABSA bank customers. The study used a mixed research method and employed descriptive and causal research designs. Descriptive statistics, logistic regression, and Fisher's exact test were used for data analysis. From the findings, the study revealed that: Lack of knowledge, lack of awareness, ATM usability, trust in ATMs, ATM security and ATM errors are significant factors that influence customers' use of ATMs to deposit money. Additionally, the study found that friends using the ATM to deposit money had a statistically significant effect on the use of the ATM to deposit money. Age and gender were also found to have a significant impact on the use of ATMs to deposit money. The results were statistically significant with a P value of 0.05. The study therefore recommended that: Banks should provide their customers with adequate knowledge on how to use ATMs to deposit money; Ensuring and ensuring the safety of customers when depositing funds; and to adequately inform customers about the security and reliability of ATMs when depositing money.

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“…People have yet to see much-increased access to financial services (Muhammad et al, 2018). Using more flexible instruments can create incentives to use less cash while, simultaneously, the count ability of economic performance by statistical instruments continues to improve.…”

Section: Introductionmentioning

confidence: 99%

Factors Influencing the Adoption of Mobile Financial Services in Enhancing Financial Inclusion: Using Structural Equation Modeling for the Decision-Making Approach

BASHIR

MUHAMMAD²

2023

Innovare J Social Sci

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The study aims to examine the relationship between mobile financial services and financial inclusion. Using modification hypotheses related to the technology acceptance model, the theory of Rational Behavior, and the Theory of Planned Behavior were adopted to test hypothesized relationships. The study employed a quantitative approach whereby 220 respondents participated in the survey online, accessing the view on mobile financial services in promoting financial inclusion. Convenience sampling was adopted to select appropriate and needed participants for the study. The study focused on the perception of the mobile users that use mobile banking regarding its usefulness as a banking service. The findings indicate social influence, performance expectancy, risk perception, and trust perception are significantly related to mobile financial services and enhance financial inclusion. The study found that the more mobile banking customers interact with devices, the more mobile financial services grow and accept innovations towards technology and convenient service, and the more likely they are to adopt it. The study contributed significantly to the existing body of knowledge through mobile financial services. The strength of the relationship between mobile financial services and financial inclusion through the independent variables. This provides essential insights and analysis that can influence the outcome of other relationships and the model. A notable limitation is the underestimation of the rural population in this study is significantly important. Future studies should provide larger rural samples of mobile banking users.

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The Role of Islamic Banks in Tackling Financial Exclusion in North-East Nigeria

Cited by 9 publications

References 0 publications

Islamic Banking: A Controversial Position of the Christian Association of Nigeria on Ethical Financial Services and Economic Sabotage

Islamic Banking: A Controversial Position of the Christian Association of Nigeria on Ethical Financial Services and Economic Sabotage

Factors affecting the adoption of ATM Cash Deposit Services. A case study of ABSA Zambia, Lusaka

Factors Influencing the Adoption of Mobile Financial Services in Enhancing Financial Inclusion: Using Structural Equation Modeling for the Decision-Making Approach

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