“THE EFFECTS  OF  ISLAMIC BANKING  PRODUCTS’  ADOPTION ON FINANCIAL  INCLUSION  AMONG  SMALL-SCALE ENTERPRISES IN NORTH CENTRAL NIGERIA”. WEST AFRICA DYNAMIC JOURNAL OF HUMANITIES, SOCIAL AND MANAGEMENT SCIENCES AND EDUCATION (September 25, 2025). Accessed February 5, 2026. https://gagdm.com/index.php/WDJHSME/article/view/517.