“THE EFFECTS  OF  ISLAMIC BANKING  PRODUCTS’  ADOPTION ON FINANCIAL  INCLUSION  AMONG  SMALL-SCALE ENTERPRISES IN NORTH CENTRAL NIGERIA” (2025) WEST AFRICA DYNAMIC JOURNAL OF HUMANITIES, SOCIAL AND MANAGEMENT SCIENCES AND EDUCATION [Preprint]. Available at: https://gagdm.com/index.php/WDJHSME/article/view/517 (Accessed: 4 February 2026).