DOCSLIB.ORG

Tamweel Africa Holding S.A

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
Tamweel Africa Holding S.A TAMWEEL AFRICA HOLDING S.A. Abdullah Çelik Chief Executive Officer Asya Katılım Bankası A.Ş. BANK ASYA (Million USD) TOTAL ASSETS 9,017 10,000 9,000 8,000 7,000 6,000 4,253 5,000 4,000 3,000 1,369 2,000 1,000 - 2005 2008 2011 BANK ASYA (Million USD) TOTAL CREDITS 11,959 12,000 8,705 10,000 8,000 6,000 3,149 4,000 2,000 - 2005 2008 2011 BANK ASYA (Million USD) TOTAL DEPOSITS 6,502 7,000 6,000 5,000 3,065 4,000 3,000 1,127 2,000 1,000 - 2005 2008 2011 TAMWEEL AFRICA HOLDING S.A. A corporation of perfect cooperation between Islamic Development Bank Islamic Corporation for the Development of the Private Sector Asya Katılım Bankası A.Ş. History With the aim of promoting Islamic finance in Africa region, in 2009, IDB and the Islamic Corporation for the Development of the Private Sector (ICD) became majority shareholder of Islamic Bank of Senegal, Islamic Bank of Niger and Islamic Bank of Guinea following the acquisition of shares of these banks with the ambition to launch more banks in the region. Partnership In order to pool these investments, ICD created Tamweel Africa Holding SA (TAH) as a structure with management rights of the affiliates and by the end of 2009 entered into a strategic partnership with Bank Asya the leading Islamic bank in Turkey, while also IDB continued to be a shareholder in the Banks. Corporate Structure Tamweel Africa Holding S.A. has been incorporated in the Republic of Senegal with its head office located in Dakar, whose mission is to promote Islamic Finance in Africa by building modern, dynamic and strong Sharia compliant banks as a key contributor to socio-economic development in the countries in which it operates. ICD BANKASYA 60 % 40 % 100% 50.1% 50.05% 68.7% MAURİTANİA GUİNEA NİGER SENEGAL 49.9% 49.88% 09% ISLAMIC DEVELOPMENT BANK 0.07% 22.2% LOCAL GOVERNMENT Investors Tamweel Africa Holding S.A. follows a partnership approach based on the complementing strength of ICD and Bank Asya. Corporate Governance Tamweel Africa Holding S.A.’s role is to set a common strategic direction for affiliates and monitor their performance to ensure that the Group objectives’ are being met, through a skillful Board of Directors and expert comities of bankers and scholars to provide technical support of high-level banking and the know- how of Islamic Finance. A SUCCESS STORY OF BANKING Affiliates of Tamweel Africa Holding Islamic Bank of Senegal Islamic Bank of Niger Islamic Bank of Guinea became top players of the countries, Islamic Bank of Moritania established a very short period of time TAMWELL AFRICA HOLDING (Million EUR) TOTAL ASSETS 347 350 300 259 250 199 200 155 150 105 100 75 35 37 50 23 16 14 21 17 - - - 2009 2010 2011 MAURITANIA GUINEA NIGER SENEGAL TOTAL TAMWELL AFRICA HOLDING (Million EUR) TOTAL CREDITS 450 415 400 343 350 300 250 200 142 150 122 100 70 54 29 38 50 14 15 - 3 - 4 6 - 2009 2010 2011 MAURITANIA GUINEA NIGER SENEGAL TOTAL TAMWELL AFRICA HOLDING (Million EUR) TOTAL DEPOSITS 233 250 186 200 130 150 100 78 100 57 27 50 19 12 15 15 9 - - 1 - 2009 2010 2011 MAURITANIA GUINEA NIGER SENEGAL TOTAL TAMWEEL AFRICA HOLDING (2012) Islamic Bank Islamic Islamic Islamic of Bank Bank Bank Senegal of of of Niger Guinea Mauritania Number of Branches 13 6 3 2 Number of Personnel 121 55 53 23 Number of Customer 8690 6794 4760 750 Objectives – All the banks operating in accordance with Sharia rules – Providing customers with a wide range of competitive and high quality Sharia compliant products and services – Gaining significant market share in terms of credit and deposits – Creating an exciting and appealing work environment to attract top talent and be recognized as an employer of choice in the banking sector. – Creating significant value for the region – Expanding through more banks to other African countries .
Load more

Recommended publications
  • Asya Finans Kurumu A.Ş
    ASYA KATILIM BANKASI A.Ş. INDEPENDENT AUDITORS’ REPORT, UNCONSOLIDATED FINANCIAL STATEMENTS AND NOTES FOR THE YEAR ENDED DECEMBER 31, 2012 (Convenience Translation of Financial Statements and Related Disclosures and Footnotes Originally Issued in Turkish) To the Board of Directors of Asya Katılım Bankası A.Ş. İstanbul INDEPENDENT AUDITORS’ REPORT FOR THE PERIOD JANUARY 1, 2012- DECEMBER 31, 2012 We have audited the accompanying unconsolidated balance sheet of Asya Katılım Bankası A.Ş. (the “Bank”) as at December 31, 2012 and the related statements of income, cash flows and changes in shareholders’ equity for the year then ended, and a summary of significant accounting policies and other explanatory notes. Management’s Responsibility for the Financial Statements The Board of Directors of the Bank is responsible for the preparation and fair presentation of the financial statements in accordance with the regulation on “Procedures and Principles Regarding Banks’ Accounting Practices And Maintaining Documents” published in the Official Gazette dated November 1, 2006 and numbered 26333 and Turkish Accounting Standards (“TAS”), Turkish Financial Reporting Standards (“TFRS”) and other regulations, circulars, communiqués and pronouncements in respect of accounting and financial reporting made by Banking Regulation and Supervision Agency (“BRSA”). This responsibility includes: designing, implementing and maintaining internal control relevant to the preparation and fair presentation of the financial statements that are free from material misstatement, whether due to fraud or error; selecting and applying appropriate accounting policies; and making accounting estimates that are reasonable in the circumstances. Auditors’ Responsibility Our responsibility is to express an opinion on these financial statements based on our audit. We conducted our audit in accordance with the regulation on “Licensing and Operations of Audit Firms in Banking” published in the Official Gazette No: 26333 on November 1, 2006 and the International Standards on Auditing.
    [Show full text]
  • Weekly Political and Economic News
    WEEKLY POLITICAL AND ECONOMIC NEWS Monday, January 5, 2015 Almadies / Dakar - Senegal Tel: (+221 ) 33 859 84 84 www.ta-holding.com Inside Guinea Mauritania Niger Senegal Openniing of New Branches ‐ BIS: Ngor/Almadies branch ‐ BIS: Mboro branch ‐ BIS: Tivaouane branch ‐ BIM: Route de Nouadhibou branch ‐ BIG: Labé branch ‐ BIN: New Headquarter Page 2 Newsletter Header GGuuiinneeaa Low fuell priices:: Trade Miiniister Mr.. Mark Youmbouno’’s arguments prices to relieve the Guinean calculates and sets the price of population, at least on time. fuel at the pump, there are According to Trade Minister many factors to consider. But Mark Youmbouno, this decline when the time comes, the will not be immediate in entire population will be Guinea. "Since the beginning of informed. " the year, we apply the principle Unlike previous years, of flexibility that sets the price where there is an monthly, when the time comes, unprecedented shortage of fuel people will be informed late in the year, Mr. Youmbouno For several months the price whether it will decrease or is categorical: "There will be no of a barrel of oil has largely increase." shortage of fuel, we have fallen in the international level. Always on the line, Marc enough fuel in our deposits in Openniing of New Branches But the Guinean authorities are Youmbouno repeated stressing: Conakry ". dragging not apply decreased "We have a structure that ‐ BIS: Ngor/Almadies branch ‐ BIS: Mboro branch Economy:: Bank notes of 500 and 1 000 GNF are scarce ‐ BIS: Tivaouane branch (500 - 1,000 GNF) have takes the goods and offers the almost disappeared from the currency (the difference in ‐ BIM: Route de Nouadhibou branch daily life of Guinean citizens.
    [Show full text]
  • Mauritania 2012
    Mauritania 2012 www.africaneconomicoutlook.org Mauritania The economy has grown significantly since 2010 and this is set to continue until 2013, mainly due to investments in mining, government capital spending and a buoyant manufacturing sector. Serious food shortages are expected in 2012 due to lack of rainfall. Urban youth unemployment -- 50.8 % of young men and 69 % of women – is a major problem. Overview The economy (not counting oil) grew 4.3% in 2011 and was predicted to expand faster (4.7%) in 2012, to record a significant advance for the third running. This was driven by major investment in mining especially gold, sizeable government investment and the robust performance of manufacturing. Continuing budget discipline kept the base budget deficit (excluding oil) to 1% of GDP in 2011, with 0.8% predicted for 2012, thanks to good revenue collection and strict control of government spending. Higher world prices for staples led to government spending to soften the effects on the poor and to better allocation of resources. The overall deficit continued to widen, however, from 1.8% of GDP in 2010 to 2.1% in 2011 and an expected 3.1% in 2012 due to insufficient external funding, especially for projects. Monetary policy focused on controlling inflation, which was an average 5.5% (6.3% in 2010), and reviving the financial system by recapitalising banks. The presidential majority and the opposition conducted a broad dialogue in 2011 which relaxed the political tension caused by postponing legislative and local elections. Political peace was restored with creation of an independent national elections commission and opening up broadcasting.
    [Show full text]
  • 2014 Emissions Inventory Report
    Calendar Year 2014 Greenhouse Gas Emissions Inventory Report Prepared for: The U.S. Overseas Private Investment Corporation Prepared by: FINAL REPORT July 2016 SC&A, Inc. 1608 Spring Hill Rd., Suite 400 Vienna, VA 22182 (703) 893-6600 www.scainc.com i TABLE OF CONTENTS TABLE OF CONTENTS ................................................................................................................................. ii TABLES ......................................................................................................................................................... iii FIGURES ...................................................................................................................................................... iv INTRODUCTION ........................................................................................................................................... 1 Baseline Inventory Development .............................................................................................................. 1 2008-2012 Inventories .............................................................................................................................. 2 2013 Inventory Summary.......................................................................................................................... 3 2014 Inventory Summary.......................................................................................................................... 3 METHODOLOGY .........................................................................................................................................
    [Show full text]
  • Briefing Notes 9 February 2015
    Group 22 - Information Centre Asylum and Migration Briefing Notes 9 February 2015 Afghanistan . Security situation Several security incidents were reported once again last week. Nine police officers were killed in a Taliban attack on a checkpoint in southern Kandahar province (Maiwand district) on 2 February 2015. At least two police officers were killed in a suicide bombing carried out by the Taliban in the provincial capital Lashkar Gah (Helmand, southern Afghanistan) on 3 February 2015. In the neighbouring province of Uruzgan, dozens of insurgents attacked a police checkpoint in Charcheno district, killing four police officers and wounding three. On 5 February 2015, At least 18 militants were killed in a gun battle in Nangarhar in eastern Afghani- stan (Nasjan district close to the border with Pakistan). In addition to these incidents that were covered by the international press, a large number of attacks and bombings were carried out on a daily basis last week; they were only covered in the Afghan press. The provinces hit hardest were Faryab (in the north), Kunar (in the east, where a girl's school and hospital were bombed) and Parwan (central Afghanistan). Cabinet formation Afghanistan's Parliament has only approved the appointment of eight ministers so far, the other 17 members were rejected by the Afghan parliament last week. A decision on new candidates will not be taken until March at the earliest. Rise in the number of voluntary returnees from Pakistan According to the International Organization for Migration, there was a sharp rise in the number of returnees from Pakistan in January 2015.
    [Show full text]
  • Asya Katilim Bankasi A.Ş. 2009 Yili Iii. Dönem Konsolide Faaliyet Raporu
    ASYA KATILIM BANKASI A.Ş. 2009 YILI III. DÖNEM KONSOLİDE FAALİYET RAPORU Raporun Ait Olduğu Dönem : 01.01.2009 – 30.09.2009 Bankanın Ticaret Unvanı : Asya Katılım Bankası A.Ş. Genel Müdürlük Adresi : Küçüksu Caddesi Akçakoca sokak No: 6 Ümraniye 34768 İSTANBUL Genel Müdürlük Telefonu : + 90 216 633 50 00 Genel Müdürlük Faks Numarası : + 90 216 633 50 24 İnternet Sitesi Adresi : www.bankasya.com.tr Elektronik Posta : [email protected] A. GİRİŞ 1. Asya Katılım Bankası ve Tarihsel Gelişimi : ASYA KATILIM BANKASI A.Ş. Türkiye'nin altıncı özel finans kurumu olarak 24 Ekim 1996 tarihinde, Altunizade' deki Merkez Şubesi ile faaliyetlerine başlamış ve 20.12.2005 tarihinde "Asya Finans Kurumu Anonim Şirket"i olan şirket unvanı "Asya Katılım Bankası Anonim Şirketi" olarak değiştirilmiştir. Banka’nın temel faaliyet alanı bireysel bankacılık, ticari bankacılık, kurumsal bankacılık, özel bankacılık, döviz, para piyasaları ve uluslararası bankacılık hizmetlerini içeren bankacılık faaliyetlerini kapsamaktadır. Bankasya, 30 Eylül 2009 tarihi itibarıyla, toplam 152 şube ve 3.917 çalışan 337 Adet ATM , ödüllü DITCARD ve internet şubelerinden oluşan çok kanallı güçlü bir dağıtım ağıyla müşterilerine ulaşmaktadır. Banka, yaygın şube ağını; merkezi operasyon yönetimi, üstün veri ambarı, yönetsel raporlama sistemleri ve etkin alternatif dağıtım kanallarıyla desteklemektedir 2. Sermaye ve Ortaklık Yapısı : Ana Ortaklık Banka’nın % 48,39'u halka açık olup ve hisseleri İMKB'de işlem görmektedir.Kurumsal yönetişim alanındaki en iyi uygulamaları kendine örnek alan Bankasya, kesintisiz olarak tüm paydaşlarına en yüksek katma değeri sağlamayı hedeflemektedir. Ana Ortaklık Banka’nın sermayesinin % 10 ve daha fazlasına sahip olan, yönetim ve denetimini doğrudan veya dolaylı olarak tek başına elinde bulunduran ortağı bulunmamaktadır.
    [Show full text]
  • Mapping Africa's Islamic Economy
    Mapping Africa’s Islamic Economy A report by The Economist Intelligence Unit Mauritania Niger Senegal Chad Sudan Djibouti Guinea Nigeria Gambia Cote Ethiopia d’Ivoire Ghana Cameroon Uganda Kenya Tanzania Zambia Mozambique Mauritius Botswana South Africa Sponsored by Pantone 303 (C=100, M=11, Y=0, K=74) - RGB (R=0, G=63, B=95) CMYK (C=17, M=38, Y=81, K=5) - RGB (R=202, G=153, B=74) Mapping Africa’s Islamic Economy Contents About this research 2 Executive Summary 3 Chapter 1: Introduction 5 Chapter 2: Financing Africa 8 Chapter 3: The halal economy: A lucrative, but invisible market 13 Chapter 4: Supporting Africa’s Islamic economy 15 Conclusion 19 1 © The Economist Intelligence Unit Limited 2015 Mapping Africa’s Islamic Economy About this research “Mapping Africa’s Islamic economy” is a report by The l Basheer Oshodi, group head of non-interest banking, Economist Intelligence Unit. The findings are based on desk Sterling Bank research and interviews with experts, conducted by The l Ndako Mijindadi, portfolio manager, Lotus Capital Economist Intelligence Unit. The research was commissioned by Dubai Chamber. l Nabeel Shariff, director, Serendipity Travel l Ebi Lockhat, public relations officer, South African National The Economist Intelligence Unit would like to thank Halaal Authority the following experts who participated in the interview programme: l Merisha Kassie, director, financial services, EY Centre in Islamic Finance for Africa l Baba Yunus Muhammad, president, Africa Islamic Economic Foundation l Ali Mohamed, head of Africa, Qatar Financial Centre l Bilal Jakhura, director, Centre of Islamic Economics and The Economist Intelligence Unit bears sole responsibility for Finance, South Africa the content of this report.
    [Show full text]
  • A Partnership to Promote Non-Interest Banking Across Africa
    Guinea Mauritania Niger Senegal A Partnership to promote Benin non-interest banking Mali across Africa Nouakchott, April 16, 2012 This report is solely for the use of intended recipients. No part of it may be circulated, quoted, or reproduced for distribution outside the client organization without prior written approval from TAH. This material was used by TAH during an oral presentation; it is not a complete record of the discussion. Agenda 1. Background & Profile of the Partners 2. Context and Challenges 3. Overall Vision and challenges ahead 4. Strategy Blueprint 5. Hightlights of the turnaround results Background & Rationale For Establishing the Holding . In 2010, ICD has acquired controlling stakes in Islamic banks of Niger, Guinea and Senegal and secured a license to operate an Islamic Bank in Mauritania (“the Banks”) . Due to the weak market positions of the Banks, ICD invited Bank Asya (Turkey) for setting up a partnership that aims at achieving leadership position and promoting non-interest banking. Tamweel Africa Holding was established to: . Access to larger market . Achieve operational synergies . Strengthen leadership across the target markets :the “Power of One”. Build an organization with best practices and processes . Better alignment with the strategic Partner The Partnership capitalize on complementarities to optimize returns… ICD . Platform . Operational excellence . Market knowledge . Technical expertise . Brand Name . Systems & best practices . Long term resources . Human resources . Lines of trade financing . International network operations/ SME . Capital development . Capital Current Holding Structure ICD 60% 40% Mauritania Guinea Niger Senegal Overview of ICD Mission and Vision . The Islamic Corporation for the Development of the . The Vision of ICD is to be a major player in the development of the Private Sector (ICD), is the private sector as a vehicle for economic and social growth, and private sector arm of the prosperity in Islamic countries Islamic Development Bank .
    [Show full text]
  • The Charter and Meeting Minutes for the Enterprise Risk Committee (ERC) of the Export-Import Bank of the United States (EXIM), 2014-2015
    Description of document: The Charter and meeting minutes for the Enterprise Risk Committee (ERC) of the Export-Import Bank of the United States (EXIM), 2014-2015 Requested date: 24-April-2016 Released date: 04-May-2016 Posted date: 09-May-2016 Source of document: FOIA Request Export-Import Bank of the United States Freedom of Information and Privacy Office 811 Vermont Ave., NW Washington, D.C. 20571 Fax: (202) 565-3294 E-Mail: [email protected] Online Freedom of Information Act Request Form The governmentattic.org web site (“the site”) is noncommercial and free to the public. The site and materials made available on the site, such as this file, are for reference only. The governmentattic.org web site and its principals have made every effort to make this information as complete and as accurate as possible, however, there may be mistakes and omissions, both typographical and in content. The governmentattic.org web site and its principals shall have neither liability nor responsibility to any person or entity with respect to any loss or damage caused, or alleged to have been caused, directly or indirectly, by the information provided on the governmentattic.org web site or in this file. The public records published on the site were obtained from government agencies using proper legal channels. Each document is identified as to the source. Any concerns about the contents of the site should be directed to the agency originating the document in question. GovernmentAttic.org is not responsible for the contents of documents published on the website. EXPORT-IMPORT BANK OF THE UNITED S TATES May 4, 2016 Via Electronic Mail: Re: FOIA Request# 201600055F This is the final response to your Freedom of Information Act (FOIA) request to the Export-Import Bank of the United States (Ex-Im Bank).
    [Show full text]
  • Challenges of Affordable Housing Finance in Idb Member Countries Using Islamic Modes
    CHALLENGES OF AFFORDABLE HOUSING FINANCE IN IDB MEMBER COUNTRIES USING ISLAMIC MODES i ii iii iv Challenges of Affordable Housing Finance in IDB Member Countries Using Islamic Modes Nasim Shah Shirazi, IRTI Muhammad Zulkhibri,ERPD Salman Syed Ali, IRTI in collaboration with SHAPE Financial Corp. Occasional Paper No.13 v © 2012 Islamic Research & Training Institute, a member of the Islamic Development Bank Group. All rights reserved. No part of this publication may be reproduced , stored in a retrieval system or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise without the prior written permission of the copyright holder, except reference and citation, but must be properly acknowledged. The view expressed in this publication are those of the authors and do not necessarily reflect the views of the Islamic Research and Training Institute of the Islamic Development Bank Group Cover Design By Mohammad Ali Asiri 2012© First Published 1433H (2012) Islamic Research and Training Institute P.O. Box 9201, Jeddah 21413, Saudi Arabia King Fahad National Library Cataloguing-in-Publication Data Shirazi, Nasim Shah, Challenges of Affordable Housing Finance in IDB Member Countries Using Islamic Modes / Nasim Shah Shirazi, Muhammad Zulkhibri, Salman Syed Ali, and SHAPE Financial Corporation. 266 p+(xxvii); 24x17 cm Includes references, appendices and glossary. ISBN 978-9960-32-203-2 L.D. No. 1433/3365 1. Housing. 2. Islamic—Finance. 3. Housing—Finance. I. Shirazi, Nasim. II. Zulkhibri, Muhammad. III. Ali, Salman. IV. SHAPE V. Title VI. Occasional Paper 363.5 – dc HD7287 vi Table of Contents Table of Contents vii List of Figures ix List of Tables x List of Boxes xi List of Abbreviation xiii List of Glossary xvii Foreword xxi Acknowledgements xxiii Executive Summary xxv CHAPTER 1 ..................................................................................................
    [Show full text]
  • Architectural Films Global Reference List
    ARCHITECTURAL FILMS GLOBAL REFERENCE LIST ARGENTINA • BAPCO, Bahrain BRAZIL • Batelco, Bahrain BNP Paribas, Bahrain • Ambito Financiero, Buenos Aires • BFH, Manama • Amor aos Pedaços - Vila Nova • Casino de Tucumán, Tucumán • Durrat Al-Bharain, Askar Conceição, São Paulo • Colegio North Hill, Buenos Aires • First Development Bank, Bahrain • Arte e Oficio Museum, Belo Horizonte • Exxel Group, Buenos Aires • Future Bank, Bahrain • Axial, Multiple Locations • Price Water House, Buenos Aires • General Organization of Sea Ports, • Bureau Veritas, Vespasiano • Templo Mormón, Buenos Aires Hidd Industrial Area • Café 3 Corações, Santa Luzia • Gulf Hotel, Manama • Carrefour, Belo Horizonte AUSTRALIA • HH Shaikh Khalifa Bin Salam Bin • Casa Leatex, Sete Lagoas Hamad Al- Khalifa, Jiddah Island • Citi Bank, Belo Horizonte • Allianz Australia, Perth • HSBC, Bahrain • Citroën - Cheverny, Contagem • Boeing, Brisbane • International Hospital, Bahrain • Clariant Headquarters, São Paulo • Casuarina High Security Prison, Perth • International School of Choueifa, • Conselho Regional de Fármacia, Belo • Coca-Cola, Moorabbin Bahrain Horizonte • Conico Phillips, Perth • JP Morgan Chase, Bahrain • Construtora Caparaó, Belo Horizonte • Connex, Melbourne • Kraft Foods, Bahrain • Construtora Even, Belo Horizonte • Department of Veterans Affairs, Perth • Kuwait Finance House, Bahrain • Construtora Odebrecht, Belo Horizonte • Edith Cowan University, Perth • Lebanon Trade Centre, Isa Town • Copacabana Palace Hotel, • Federal Police Department, Perth • Mena Telecom,
    [Show full text]
  • An Empirical Investigation of Banking Customers' Perception of The
    INTELLECTUAL DISCOURSE, 23: Special Issue (2015) 425-451 Copyright © IIUM Press ISSN 0128-4878 (Print); ISSN 2289-5639 (Online) An empirical investigation of banking customers’ perception of the viability of Islamic banking in Côte d’Ivoire Adewale Abideen Adeyemi* and Ibrahim Zare** Abstract: This study empirically examines the perceptions of bank customers in Côte d’Ivoire on the viability of Islamic banking in the country. Specifically, the study investigates the level of awareness of the bank customer respondents about Islamic banking as well as the factors that motivate their patronage. A sample of 274 respondents residing in Abidjan, Côte d’Ivoire took part in this research. The data elicited via an adapted research instrument is subjected to both descriptive and inferential statistics using IBM SPSS AMoS software version 21. The results reveal that most of the Ivorian bank customers are aware of Islamic banking but lack knowledge about its operation. Moreover, the customers indicate commendable willingness to patronize the Islamic banks when established in Côte d’Ivoire as long as it is not relatively costlier to do so. The likely patronage-influencing factors include religion, banking-related and customer-related factors, and societal norms. Recommendations based on research findings are also offered. Keywords: Côte d’Ivoire; customer perception; Islamic banking; measurement model; religion. Abstrak: Kajian ini secara empirikalnya mengkaji tanggapan pelanggan bank di Côte D’ Ivoire terhadap daya maju perbankan Islam di negara tersebut. Secara khususnya, kajian ini menyiasat terhadap tahap kesedaran pelanggan * Adewale Abideen Adeyemi is an Assistant Professor, IIUM Institute of Islamic Banking and Finance, International Islamic University Malaysia.
    [Show full text]