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All Journal Economica: Jurnal Ekonomi Islam ADILLA: Jurnal Ilmiah Ekonomi Syari'ah
Muhammad, Auwalu Shuaibu
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Religion Arts Economics, Econometrics & Finance Education Social Sciences Other

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Exploring Banking Reforms in Nigeria: Economic Impacts and Future Implications Muhammad, Auwalu Shuaibu; Fitrianto, Achmad Room
Economica: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2024.15.1.20357

Abstract

In the growing global economy, establishing a robust banking sector has become an essential concern for governments worldwide. Nigeria, like many other nations, has witnessed successive governments implementing economic reforms to navigate the challenges of the global market. Given the indispensable role of the financial sector, particularly banking industry, numerous reforms have been legislated over the past three decades. This paper examines these banking reforms and their profound impacts on the Nigerian economy. The primary objective of this study is to consolidate and synthesize the findings of previous empirical research regarding banking reforms and their effects on Nigeria's economy, as measured by Gross Domestic Product (GDP). This paper employed the Preferred Reporting Items for Systematic Reviews and Meta-Analysis (PRISMA). The analysis reveals that the banking reforms undertaken by successive Nigerian governments have significantly influenced the nation's economic growth. However, the persistent issue of high interest rates poses a deterrent to investors seeking loans and advances. Consequently, the study advocates for a strategic shift in lending practices within the real sector towards Islamic banks, where loans are structured based on profit and loss sharing rather than conventional interest-based mechanisms. Furthermore, the paper emphasizes the need for future banking reforms to address recurring inflationary pressures and foreign exchange market volatility in Nigeria.
ANALYSIS OF DROPSHIPPING AND RESELLER BUSINESS MODELS AS A LOW-RISK E-COMMERCE STRATEGY Muhammad, Auwalu Shuaibu; Sa’bandiyah, Umu Farikhatus; Amri, Ary Dean; Munawaroh, Wilda Anjelisvintya; Rohma, Syindi Putriana Dwi Febri; Juwita, Yulia
ADILLA : Jurnal Ilmiah Ekonomi Syari'ah Vol 8 No 1 (2025): Januari
Publisher : Universitas Islam Darul 'ulum Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52166/adilla.v8i1.6514

Abstract

This article discusses the analysis of dropshipping and reseller business models as a low-risk e-commerce strategy. Dropshipping and reseller are two popular methods used by business actors to run a business online without the need to manage the stock of goods directly. This research aims to explore the advantages and disadvantages of both business models, as well as how they can be attractive alternatives for beginner entrepreneurs or those who want to reduce financial risks in running an e-commerce business. The results of the analysis show that while both models offer significant profit potential, the risks associated with product quality, delivery, and price competition remain major challenges. However, with the right strategy, both dropshipping and reseller can be an effective option to start a business with limited capital and more controlled risks. This analysis discusses the benefits, risks, and long-term implications of each model on customer satisfaction and business sustainability. The results are expected to provide strategic guidance for e-commerce business players in choosing the right model according to their risk profile and business goals in designing and developing efficient and sustainable business strategies.
Exploring Banking Reforms in Nigeria: Economic Impacts and Future Implications Muhammad, Auwalu Shuaibu; Fitrianto, Achmad Room
Economica: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2024.15.1.20357

Abstract

In the growing global economy, establishing a robust banking sector has become an essential concern for governments worldwide. Nigeria, like many other nations, has witnessed successive governments implementing economic reforms to navigate the challenges of the global market. Given the indispensable role of the financial sector, particularly banking industry, numerous reforms have been legislated over the past three decades. This paper examines these banking reforms and their profound impacts on the Nigerian economy. The primary objective of this study is to consolidate and synthesize the findings of previous empirical research regarding banking reforms and their effects on Nigeria's economy, as measured by Gross Domestic Product (GDP). This paper employed the Preferred Reporting Items for Systematic Reviews and Meta-Analysis (PRISMA). The analysis reveals that the banking reforms undertaken by successive Nigerian governments have significantly influenced the nation's economic growth. However, the persistent issue of high interest rates poses a deterrent to investors seeking loans and advances. Consequently, the study advocates for a strategic shift in lending practices within the real sector towards Islamic banks, where loans are structured based on profit and loss sharing rather than conventional interest-based mechanisms. Furthermore, the paper emphasizes the need for future banking reforms to address recurring inflationary pressures and foreign exchange market volatility in Nigeria.
Co-Authors Achmad Room Fitrianto AMRI, ARY DEAN Juwita, Yulia Munawaroh, Wilda Anjelisvintya Rohma, Syindi Putriana Dwi Febri Sa’bandiyah, Umu Farikhatus