Abubakar Aliyu Yakub
Department of Arts Education, Faculty of Education, Taraba State University, Jalingo, Nigeria

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THE IMPACT OF ARTIFICIAL INTELLIGENCE ON FINANCIAL REGULATIONS IN NIGERIA: CHALLENGES AND PROSPECTS  Aliyu Ibrahim; Adamu Abubakar Muhammad; Abubakar Aliyu Yakub; Usman Jibril Mikail
Bisnis, Jasa dan Keuangan Vol. 1 No. 2 (2025): JULI-BISNIS,JASA DAN KEUANGAN
Publisher : Yayasan Cendekia Citra Gemilang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61798/gh34xn47

Abstract

Kecerdasan buatan (AI) dengan cepat mengubah sistem keuangan di seluruh dunia, khususnya di Afrika dan Nigeria, dengan mengotomatiskan kepatuhan terhadap peraturan, meningkatkan deteksi penipuan, dan meningkatkan manajemen risiko. Namun, mengintegrasikan AI ke dalam peraturan keuangan memiliki potensi dan tantangan. Artikel ini mengkaji dampak inovasi yang digerakkan oleh AI pada pengawasan keuangan, sistem kepatuhan, dan kerangka kerja peraturan dalam kaitannya dengan undang-undang keuangan Nigeria. Laporan ini menarik perhatian pada sejumlah masalah signifikan, seperti kemungkinan bias dalam algoritma AI, dilema moral, ancaman terhadap keamanan siber, kesenjangan hukum, dan infrastruktur teknologi yang tidak memadai. Selain itu, yang ditekankan adalah potensi kecerdasan buatan (AI) untuk meningkatkan inklusi keuangan, meningkatkan kemanjuran peraturan, dan meningkatkan pengambilan keputusan sektor keuangan. Kebijakan peraturan keuangan Nigeria saat ini, peran Bank Sentral Nigeria (CBN) dan lembaga pengatur keuangan lainnya dalam beradaptasi dengan perkembangan AI, dan praktik terbaik global yang berpotensi mengubah lanskap peraturan Nigeria semuanya diperiksa dalam studi kualitatif ini. Makalah ini diakhiri dengan rekomendasi untuk kerangka regulasi yang kuat yang mempromosikan keterbukaan dalam AI, menyeimbangkan inovasi dan pengawasan, dan memperkuat kolaborasi antara regulator keuangan, pengembang AI, dan lembaga keuangan. Hasilnya menunjukkan bahwa meskipun kecerdasan buatan (AI) memiliki banyak keuntungan, regulasi yang tepat diperlukan untuk mengurangi risiko terkait, menjamin penggunaan AI yang etis, dan menjaga stabilitas keuangan.
Halal Food Production and Nutritional Value: A Study of MSMEs in Northern Nigeria Adamu Abubakar Muhammad; Nabeela Usman El-Nafaty; Adam Muhammad Ardo; Rabi Shehu Dalhatu; Abubakar Aliyu Yakub
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol. 17 No. 2 (2025): Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v17i2.21974

Abstract

Introduction: The rapid growth of micro, small, and medium enterprises (MSMEs) in Northern Nigeria has coincided with an increase in consumer demand for halal–tayyib food products that meet both Islamic dietary requirements and nutritional criteria. This study explores the practices of halal food–producing MSMEs in Kaduna and Kano states, evaluating how they achieve compliance with Shariʿah criteria while delivering nutritionally balanced offers. For cultural, religious, and health reasons, the largely Muslim populace of northern Nigeria depends significantly on halal-certified goods. However, there is a dearth of empirical studies on how local MSMEs simultaneously manage certification, ingredient procurement, processing, and nutritional adequacy. While halal certification addresses ritual purity, it does not guarantee nutritional quality. Anecdotal evidence suggests that many small producers prioritize certification over nutrient profiling, which may potentially jeopardize public health. This study fills the gap by evaluating both halal compliance and nutritional value in the outputs of MSMEs. Methods: Using a mixed methods approach, 20 halal certified MSMEs were surveyed on their sourcing, processing, and quality control practices; 40 food samples (such as meat products, dairy, and baked goods) were analyzed in a lab to measure macro and micronutrient content; 20 in-depth interviews with MSME owners, halal certifiers, and nutrition experts provided contextual insights; quantitative data were analyzed using descriptive statistics and correlation tests; qualitative data were subjected to thematic analysis. Results: Only 40% of the sampled MSMEs met national standards for essential nutrients (protein, iron, and vitamin A), despite the fact that 90% of them maintained valid halal certification. Common obstacles to nutritional quality included gaps in regulatory oversight, limited technical capacity, and cost constraints on fortified ingredients. MSME owners expressed a strong commitment to halal integrity but lacked knowledge about nutritional guidelines. The study emphasizes the need for integrated halal–nutritional frameworks and capacity-building initiatives aimed at MSMEs. Policymakers and Islamic authorities can collaborate to develop training modules and offer incentives for nutrient enrichment, in addition to halal certification. Conclusion and Suggestion: Ensuring both halal compliance and nutritional adequacy is crucial for maintaining public health and fostering consumer trust. In Northern Nigeria, enhanced collaboration among certification organizations, nutrition organizations, and MSMEs can foster a halal food industry that is both ethically sound and health-promoting.