Browsing by Author "Hamadou, Issa"

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    Do macroeconomic factors influence household consumption expenditure in the Gambia? ARDL-error correction regression approach
    (Eastasouth Institute, 2024-06-28) Jallow, Mamadou Salieu; Hamadou, Issa
    Consumption constitutes a larger part of GDP and contributes immensely in enhancing economic growth and development of a country. This study examines the influence of macroeconomic factors on household consumption expenditure in the Gambia. To achieve our objective, we employ ARDL estimation method with Bounds tests to analyze our study using secondary times series data collected from World Bank’s World Development Indicators database from 2000 to 2020. The findings reveal that GDP, inflation, direct credit to private sector, remittances and population all have significant effect on household consumption expenditure in the short run because their p values are less than 0.05 at 5% level of significance. For the long run effect, the CointEq (-1)* is negative and statistically significant. It means that the short run is adjusted with high speed in the run approximatively 108%. Therefore, GDP, inflation, direct credit to private sector, inflation, remittances and population are all significantly affecting household consumption in the long run. Thus, the study recommends that Government of the Gambia to use a mix macroeconomic policy method to stimulate and increase household consumption expenditure in order to help in achieving economic growth and development. The study further recommends future researchers to include other macroeconomic variables like unemployment and interest rate.
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    Potential customers' intention to use Islamic banking products in Cameroon : the mediating effect of attitude
    (Universitas Islam Internasional Indonesia, 2023) Hamadou, Issa; M. Luthfi Hamidi; Aimatul Yumna
    Islamic finance is not limited to the world's approximately 1.7 billion Muslims. Several additional countries, including the United Kingdom, France, Belgium, and Germany, are also interested. They show their willingness to adopt Islamic financial products for the purpose of inclusive finance and satisfaction of financial needs of the Muslim minority population of these countries. However, although the primary goal of Islamic finance financial inclusion, it has been observed that in some Muslim countries as well as non-Muslim countries, the majority of the people are excluded from the traditional system for religious reasons. This study examines potential customers awareness of Islamic banking products in Cameroon and factors influencing their decision. To achieve this, a structured questionnaire was used with 318 respondents, while 300 were usable for analysis with 94% of respondents rate. The research used SEM-PLS to estimate the data. In addition, an interview with 10 participants was conducted to support the quantitative results. The findings suggested that potential customers knowledge of Islamic banking operations is limited. Most of them are not completely mindful of Islamic financing instruments. Moreover, the study found that attitude, religious motivation, awareness, subjective norm, and relative advantage significantly affect their intention towards Islamic banking products, while perceived regulatory and perceived innovation are not significant. Furthermore, attitude has a substantial mediating role on the connection amongst religious motivation, subjective norm, awareness, relative advantage, perceived innovation, and intention to adopt Islamic banking products. Therefore, the findings of this study contribute to the past literature by providing new framework that combines the theories of planned behavior and diffusion of innovation theory and offers managerial implications at the level of Islamic finance operators. Meanwhile, this research provides some policy recommendations that can help to boost the growth of Islamic finance in Cameroon in order to promote financial inclusion.
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    Potential customers’ intention to use Islamic banking products in Cameroon : the mediating effect of attitude
    (Emerald Publishing Limited, 2025-01-20) Hamadou, Issa; Hamidi, M. Luthfi; Aimatul Yumna
    Purpose This study aims to examine factors influencing potential customers’ intention to patronize Islamic banking products in Cameroon. Design/methodology/approach To achieve this, a structured questionnaire was used with 318 respondents, and 300 were usable for analysis with a respondent rate of 94%. The study used SEM-PLS to analyze the data. Findings The findings suggested that attitude, religious motivation, awareness, subjective norm and relative advantage significantly affect potential customers intention toward Islamic banking products, while perceived regulatory and perceived innovation are insignificant. Furthermore, attitude substantially mediates the relationship between religious motivation, awareness, subjective norm, relative advantage and perceived innovation. Research limitations/implications However, this study focused on potential customers living in Muslim zones; future research should compare users and nonusers of Islamic banking products in both Muslim and non-Muslim zones to capture a big picture about customers’ perceptions of Islamic banking products in Cameroon. Practical implications The results of this study contribute to the literature by providing a new framework that combines the theories of planned behavior and diffusion of innovation theory and provides managerial implications at the level of Islamic finance operators. Meanwhile, this research offers some policy recommendations that can help boost the development of Islamic finance in Cameroon and promote financial inclusion. Originality/value To the best of the authors’ knowledge, this is the first research about potential customers’ intention to use Islamic banking products in Cameroon.
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    Unleashing the power of artificial intelligence in Islamic banking : A case study of Bank Syariah Indonesia (BSI)
    (Modern Finance Institute in cooperation with Poznan University of Economics and Business, 2024-06-02) Hamadou, Issa; Aimatul Yumna; Hamadou, Hawaou; Jallow, Mamadou Salieu
    This research examines the challenges and opportunities of AI integration in Islamic banks through a case study of Bank Syariah Indonesia. A qualitative method was applied using an interview approach. Four experts from the IT division of Bank Syariah Indonesia were interviewed. The results suggest that AI applications offer potential benefits such as automation, improved decision-making and efficiency, customer recommendations, and enhanced customer experience. However, the challenges of AI integration include implementation costs, cyber security risks, Shariah compliance, and ethical issues. The research recommends that stakeholders in Islamic banks invest more in cybersecurity and educate their customers about the importance and usage of AI technology. Additionally, the research suggests that the government implements policies related to the ethical regulation of AI technology. Future research should provide comparative analysis and use a mixed-method approach to better understand the challenges and opportunities of AI integration in Islamic banks.