Legal examination of discrimination of Islamic banks in Nigeria: Distinguishing between hearsay and admissible evidence

This research examines the allegation of discrimination against non-Muslims in the services of Islamic banks in Nigeria. The study aims to legally investigate and debunk claims that non-Muslims face discrimination when using Islamic banking services in Nigeria. The research adopts a cross-sectional survey approach involving questionnaires administered to 300 respondents who are customers of Islamic banks. The study finds that while a small percentage of respondents perceive some discrimination, a larger percentage are unsure or feel there is minimal discrimination. It highlights potential areas of discrimination such as dress codes, restrictions on unlawful businesses, and uneven scholarship distribution. However, it also reveals the presence of non-Muslim staff in Islamic banks. Generally, the research concludes that Islamic banks largely adhere to Shariah principles in delivering services to all customers, including non-Muslims. It recommends further enlightenment programs by Islamic banks to clarify misconceptions about discrimination and increase patronage across religious lines. The study contributes empirical evidence on a contentious issue and suggests ways to promote religious harmony through inclusive financial services.