Abubakar Sani, PhD and Bilyaminu Muhammad 2022. Towards Effective Islamic Financial System in Northwestern Nigeria: A Review of Emir Muhammad Dikko’s Baitul-Mal in Katsina, Nigeria. IJUS | International Journal of Umranic Studies . 5, 2 (Nov. 2022), 32–40. DOI:https://doi.org/10.59202/ijus.v5i2.512.