Article Per Year (5 Year)
p-Index From 2021 - 2026
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All Journal Media of Law and Sharia Al-bank: Journal of Islamic Banking and Finance
Muhammad Duku
Federal University Gashua, Yobe State, Nigeria
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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The Aftermath of 21st Century Sharia Implementation in Northern Nigeria Muhammad Duku
Media of Law and Sharia Vol 3, No 2: March 2022
Publisher : Faculty of Law Universitas Muhamadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (243.926 KB) | DOI: 10.18196/mls.v3i2.14253

Abstract

Enforcement of Sharia legal system is a duty bound over every Muslim (Male or Female) on their day to day life and activities. The objective of this paper is to examine the consequences after the implementation of Shari’ah law in 21st Century in Northern part of Nigeria. Therefore, this study addresses the major area of negation and setback in the implementation of Shari’ah law in 21st Century in Northern Nigeria. The study posit out that inconsistence of Nigerian constitution with Shari’ah law, capital offence punishable by Shari’ah law, Hisbah institution, lack of qualified and experts judges, political problem and many others are the setback encountered by means of Shari’ah implementation in Northern Nigeria. Conclusively, the study concludes that 21st Century Shari’ah implementation in Northern Nigeria faced with many challenges.
The Aftermath of Covid-19 Pandemic on the Operation of SMEs in Yobe State, Nigeria: The Role of Islamic Finance Models Muhammad Duku
Al-bank: Journal of Islamic Banking and Finance Vol. 6 No. 1 (2026): January - June 2026
Publisher : Universitas Islam Negeri Mahmud Yunus Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/ab.v6i1.16298

Abstract

This study examines the post-COVID-19 operational challenges faced by Small and Medium Enterprises (SMEs) in Yobe State, Nigeria, and explores Islamic finance models as potential mechanisms for recovery and sustainability. Employing a qualitative descriptive approach, primary data were collected through structured field observations of selected SME operators across key economic sectors. The findings reveal that limited access to capital, shortage of skilled personnel, multiple taxation, inadequate raw materials, and heightened insecurity remain the major constraints hindering SME operations in the post-pandemic period. The study further argues that Islamic finance instruments—such as Musharakah, Mudarabah, Murabahah, Ijarah, Salam, and Istisna‘—offer viable, ethical, and risk-sharing financing alternatives capable of addressing these challenges. The paper contributes to the growing literature on Islamic social and commercial finance by providing contextual evidence from a conflict-affected and economically disadvantaged region. Policy recommendations emphasize the need for increased Islamic finance awareness, regulatory support, and the integration of Islamic banking products into SME development strategies in Nigeria
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