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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

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

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

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.

Beyond Resource Dependency: The Protective-Economy Model for Institutional Resilience in Faith-Based Enterprises Mohammad, Majduddin; Kholis, Nur; Sa'dullah, M. Havy; Fahmi, Muhammad Izzul; Muhammad, Auwalu Shuaibu
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 16 No. 1 (2026): April (on-going)
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2026.16.1.41-60

Prologue: Faith-based educational institutions increasingly face financial and environmental uncertainties that threaten their operational sustainability. Despite the growing role of Islamic social finance and community-based economic initiatives, limited empirical research explains how religious institutions develop integrated economic strategies to withstand systemic shocks. Objective: This study aims to conceptualize and empirically examine the protective economy as an institutional capability that strengthens resilience in faith-based organizations through the integration of Islamic social finance, circular economy practices, and strategic resource management. Methods: The research employs an embedded single-case study design at Pondok Pesantren Mambaus Sholihin, East Java, Indonesia. Data were collected through 34 semi-structured interviews, analysis of audited financial statements over a five-year period (2019–2025), and direct field observation. The data were analyzed using reflexive thematic analysis and fuzzy-set Qualitative Comparative Analysis (fsQCA) to identify causal configurations that support institutional resilience. Results/Findings: The findings demonstrate that the configuration of high income diversification, strong internal consumption loyalty, and adequate liquidity reserves enabled the institution to maintain uninterrupted service delivery during the COVID-19 pandemic and periods of commodity price volatility. Empirical indicators show that tuition dependence declined from 79% to 43%, liquidity reserves increased from 1.7 to 4.6 months of operational expenditure, waste-to-product conversion improved from 18% to 46%, and transparency scores rose from 72 to 88. Contribution: This study extends Resource Dependence Theory by highlighting the mediating roles of behavioral loyalty and governance transparency in strengthening resilience within faith-based organizations. It also proposes a protective economy dashboard—comprising the financial autonomy ratio, diversification index, waste-to-product ratio, and institutional trust score—as a practical monitoring framework for policymakers, philanthropic investors, and Islamic social finance institutions.

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