Olaoye, Ayoola Azeez, et al. “Islamic Banking System in Nigeria: Challenges and Gains from Its Operation ”. FUDMA Journal of Accounting and Finance Research [FUJAFR], vol. 3, no. 1, Mar. 2025, pp. 53-64, https://doi.org/10.33003/fujafr-2025.v3i1.160.53-64.