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All Journal Journal of Islamic Monetary Economics and Finance International Journal of Applied Sciences and Smart Technologies
Haruna, Ali
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Computer Science & IT Economics, Econometrics & Finance Energy Engineering Industrial & Manufacturing Engineering

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THE ADOPTION OF ISLAMIC FINANCE BY CAMEROONIAN SME ENTREPRENEURS: ARE THERE GENDER DISPARITIES? Haruna, Ali; Kountchou, Armand Mboutchouang; Oumbé, Honoré Tekam; Wirajing, Muhamadu Awal Kindzeka
Journal of Islamic Monetary Economics and Finance Vol 10 No 3 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v10i3.1959

Abstract

The recent surge in the global asset value of Islamic finance has pushed Cameroonian policymakers to consider this mode of finance as an important element of the national financial inclusion strategy. This study examines the factors that influence the adoption of Islamic finance by SME entrepreneurs on the one hand and gender differences in adoption on the other hand in Cameroon, a non-Muslim-dominated African country. Based on a sample of 1,358 SME entrepreneurs, a simple logistic model is adopted to analyze the determinants of the decision to adopt Islamic finance while the Fairlie decomposition is afterward employed to test for gender disparities vis-a-vis the adoption of this mode of finance. Results of the logistic regression show that the need to abide by the Sharia law, awareness, attitude, intention, location, and gender positively and significantly affect the decision to patronize the Islamic mode of financing by Cameroonian SME entrepreneurs while subjective norms and age exert negative effects. The results of the Fairlie decomposition show that there exists a mean difference of 8% to the disadvantage of female entrepreneurs concerning the adoption of Islamic finance and that this gap is widened by religious motivation, awareness, intention, and location. Policymakers are encouraged to enhance the level of Islamic finance awareness of SME entrepreneurs, and the sharia compliance of Islamic finance institutions by obliging them to operate under the guidance of qualified sharia boards. These policies should be supported by the implementation of accompanying measures, such as the eradication of societal norms that restrict women's ability to use Islamic finance services.
Density Functional Theory Investigation on The Electronic Structure, Properties and IR Spectra of 9,10-Iphenylanthracene Adeyemi, Owolabi J; Gambo, Hassan; Yusuf, Onimisi M; Abdulkadir, Gidado S; Haruna, Ali; Akinade, Bankole J; Onma, Akusu C; Madugu, Muhammed L; Usman, Sakinat L
International Journal of Applied Sciences and Smart Technologies Volume 06, Issue 2, December 2024
Publisher : Universitas Sanata Dharma

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24071/ijasst.v6i2.8686

Abstract

9,10-Diphenylanthracene belong to a class of polymer-based materials featuring a π-bonded molecules (organic semiconductors). We conducted a theoretical investigation into 9,10-DPA in both neutral and ionic states using Density Functional Theory (DFT) implemented in the Gaussian 09 package. The calculations employed B3LYP/6-31+G(d) and B3LYP/6-311++G(d,p) basis sets. The study focused on evaluating structural properties, electronic properties, global chemical reactivity descriptors and IR spectra of 9,10-DPA. These assessments aimed to elucidate the reactivity, stability, and conductivity of this molecule. The results reveal that charging influences the structural, electronic, and global index of the molecule. The analysis of bond lengths and angles emphasized that the following bond length R(C7-H18), R(C8-H19), R(C12-H26) and R(C13-H27) exhibits greater bond energy and strength in both neutral and ionic stats because of having shorter bond length than the remaining regardless of the chosen basis set. In the case of energy gap, the anionic alpha molecular orbital exhibits lower stability of having the lowest energy gap of 1.3679eV, indicating higher reactivity and conductivity among the entire MO and is supported by a higher softness value (1.15eV) and higher chemical potential (1.39eV). The cationic beta molecule exhibited stronger electron-attracting power because of having higher electronegativity (9.00eV), lower chemical potential (-9.00eV) and higher electrophilicity index (36.81eV). The vibrational analysis shows that the anionic molecular state possessed the highest IR absorption which occurred at the frequency of 1346.96cm-1. Overall, the findings underscore the importance of charge state in enhancing the electronic properties and the reactivity of these molecules for various applications in the field of organic electronics.Keywords: 9,10-Diphenylanthracene, ionization potential, electron affinity, global chemical index, infrared spectra, density of state
THE ADOPTION OF ISLAMIC FINANCE BY CAMEROONIAN SME ENTREPRENEURS: ARE THERE GENDER DISPARITIES? Haruna, Ali; Kountchou, Armand Mboutchouang; Oumbé, Honoré Tekam; Wirajing, Muhamadu Awal Kindzeka
Journal of Islamic Monetary Economics and Finance Vol. 10 No. 3 (2024)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v10i3.1959

Abstract

The recent surge in the global asset value of Islamic finance has pushed Cameroonian policymakers to consider this mode of finance as an important element of the national financial inclusion strategy. This study examines the factors that influence the adoption of Islamic finance by SME entrepreneurs on the one hand and gender differences in adoption on the other hand in Cameroon, a non-Muslim-dominated African country. Based on a sample of 1,358 SME entrepreneurs, a simple logistic model is adopted to analyze the determinants of the decision to adopt Islamic finance while the Fairlie decomposition is afterward employed to test for gender disparities vis-a-vis the adoption of this mode of finance. Results of the logistic regression show that the need to abide by the Sharia law, awareness, attitude, intention, location, and gender positively and significantly affect the decision to patronize the Islamic mode of financing by Cameroonian SME entrepreneurs while subjective norms and age exert negative effects. The results of the Fairlie decomposition show that there exists a mean difference of 8% to the disadvantage of female entrepreneurs concerning the adoption of Islamic finance and that this gap is widened by religious motivation, awareness, intention, and location. Policymakers are encouraged to enhance the level of Islamic finance awareness of SME entrepreneurs, and the sharia compliance of Islamic finance institutions by obliging them to operate under the guidance of qualified sharia boards. These policies should be supported by the implementation of accompanying measures, such as the eradication of societal norms that restrict women's ability to use Islamic finance services.
Co-Authors Abdulkadir, Gidado S Adeyemi, Owolabi J Akinade, Bankole J Gambo, Hassan Kountchou, Armand Mboutchouang Madugu, Muhammed L Onma, Akusu C Oumbé, Honoré Tekam Usman, Sakinat L Wirajing, Muhamadu Awal Kindzeka Yusuf, Onimisi M