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1707921PublishedVol 8 · Issue 10

Faith and Finance: University Students' Choice Between Islamic and Conventional Banking and Finance

Umar Musa Kallah Nasiru Aminu Ibrahim Rilwanu Yusuf Badamasi

Subject area: Arts, Social Sciences and Humanities  ·  Area of research: Finance

Abstract

This study explores the theoretical and conceptual factors influencing Nigerian university students' choice between Islamic and conventional banking and finance. With a growing interest in ethical banking and the increasing presence of Islamic financial institutions in Nigeria, it is crucial to understand the determinants that shape students' preferences. The study synthesizes existing literature and conceptual frameworks to guide students in selecting the appropriate banking discipline. The findings highlight the role of religious beliefs, financial literacy, perceived benefits, and social influence in shaping students' academic and career decisions. The study contributes to the broader discourse on financial education and career orientation in Nigeria.

Keywords

Islamic banking, conventional banking, financial literacy, religious beliefs, Nigerian universities, students? choice.

How to cite this paper

Umar Musa Kallah, Nasiru Aminu Ibrahim, Rilwanu Yusuf Badamasi "Faith and Finance: University Students' Choice Between Islamic and Conventional Banking and Finance" Iconic Research And Engineering Journals Volume 8 Issue 10 2025 Page 661-668
Umar Musa Kallah, Nasiru Aminu Ibrahim, Rilwanu Yusuf Badamasi "Faith and Finance: University Students' Choice Between Islamic and Conventional Banking and Finance" Iconic Research And Engineering Journals, vol. 8, no. 10, Apr. 2025
Umar Musa Kallah, Nasiru Aminu Ibrahim, Rilwanu Yusuf Badamasi (2025). Faith and Finance: University Students' Choice Between Islamic and Conventional Banking and Finance. Iconic Research And Engineering Journals, 8(10).
Umar Musa Kallah, Nasiru Aminu Ibrahim, Rilwanu Yusuf Badamasi "Faith and Finance: University Students' Choice Between Islamic and Conventional Banking and Finance" Iconic Research And Engineering Journals, vol. 8, no. 10, Apr. 2025.
@article{1707921,
      author = {Umar Musa Kallah, Nasiru Aminu Ibrahim, Rilwanu Yusuf Badamasi},
      title = {Faith and Finance: University Students' Choice Between Islamic and Conventional Banking and Finance},
      journal = {Iconic Research And Engineering Journals},
      year = {2025},
      volume = {8},
      number = {10},
      pages = {661-668},
      issn = {2456-8880},
      url = {https://www.irejournals.com/formatedpaper/1707921.pdf},
      abstract = {This study explores the theoretical and conceptual factors influencing Nigerian university students' choice between Islamic and conventional banking and finance. With a growing interest in ethical banking and the increasing presence of Islamic financial institutions in Nigeria, it is crucial to understand the determinants that shape students' preferences. The study synthesizes existing literature and conceptual frameworks to guide students in selecting the appropriate banking discipline. The findings highlight the role of religious beliefs, financial literacy, perceived benefits, and social influence in shaping students' academic and career decisions. The study contributes to the broader discourse on financial education and career orientation in Nigeria.},
      keywords = {Islamic banking, conventional banking, financial literacy, religious beliefs, Nigerian universities, students? choice.},
      month = {April},
  }