Legal Examination of Discrimination of Islamic Banks in Nigeria: Distinguishing Between Hearsay and Admissible Evidence
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Date
2024
Journal Title
Journal ISSN
Volume Title
Publisher
Kampala International University Law Journal (KIULJ)
Abstract
This research examines the allegation of discrimination against non-Muslims in the
services of Islamic banks in Nigeria. The study aims to legally investigate and debunk
claims that non-Muslims face discrimination when using Islamic banking services in
Nigeria. The research adopts a cross-sectional survey approach involving
questionnaires administered to 300 respondents who are customers of Islamic banks.
The study finds that while a small percentage of respondents perceive some
discrimination, a larger percentage are unsure or feel there is minimal
discrimination. It highlights potential areas of discrimination such as dress codes,
restrictions on unlawful businesses, and uneven scholarship distribution. However,
it also reveals the presence of non-Muslim staff in Islamic banks. Generally, the
research concludes that Islamic banks largely adhere to Shariah principles in
delivering services to all customers, including non-Muslims. It recommends further
enlightenment programs by Islamic banks to clarify misconceptions about
discrimination and increase patronage across religious lines. The study contributes
empirical evidence on a contentious issue and suggests ways to promote religious
harmony through inclusive financial services.