Potential Customer’s Preference for Islamic Bank in North East, Nigeria


  • Tijjani Muhammad Department of Islamic Studies (Islamic Banking and Finance) Federal University Gashua, Yobe State, Nigeria
  • Muhammad Duku Department of Islamic Studies Federal University Gashua, Yobe State, Nigeria
  • Umar Musa Yakasai Department of Islamic Studies Federal University Gashua, Yobe State, Nigeria




Students, Potential customers, Selection Criteria, Islamic Bank


The purpose of this paper is to explored and shed more light on the up-coming position of potential customers’ targeting students’ preferences of the Islamic Bank in the North East, Nigeria. A student of University needs a bank account for their immediate or future usage. The financial institution considered such a group as potential customers which the banks are dearly in need of them. Therefore, the purpose of the study is to investigate the potential customers’ selection criteria using two different Federal Universities in Nigeria. The paper used a quantitative approach which consists of structured questionnaire distributed and 781 respondents were returned. The data gathered and analyzed using factor influence selection criteria. The findings reveal the preferences for the Islamic banking system in North East Nigeria is in line with Shariah-compliant, quality of service and Islamic financial products in Islamic Bank as well as convenience and religious motivation. Since Islamic banks are in consistent with Shariah-compliant Islamic bank should strictly adhere to its strategic aiming their potential customer's accommodation and non-faith operational system. This research present non-faith-based only influential selection criterion on Islamic bank decision.


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How to Cite

Muhammad, T. ., Duku, M. ., & Yakasai, U. M. . (2020). Potential Customer’s Preference for Islamic Bank in North East, Nigeria. International Journal of Islamic Economics and Finance Research, 2(2 December), 76-87. https://doi.org/10.53840/ijiefer19