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Various economic models and methods were used at the initial stage of Islamic banking these including Mufawada, Mudarabah and Al-mal as occurred in the primitive Islamic world. But the major subject of attraction is the free interest banking in view of its political and religion implication in a country like Nigeria. The banking system is practiced on the basis of profit and loss sharing by the contracting parties. The distinctiveness of the interest free system stimulates not only Muslims but also others to consider ethical values and culture in their financial transactions, and in the developed economy some financial organizations have opted for ethical operations. This research work seeks to assess the challenges and prospect of operating free interest banking in Nigeria. To achieve this goal, cross sectional data was collected using structured questionnaire from a sample of 136 respondents, made up of 21 bank staff and 115 bank customers. The data thus collected were organized and presented using frequency and percentage distribution, and then analyzed using Pearson product-moment correlation coefficient (r). The results show, among others, that there is significantly low level of awareness among the Bank customers. Therefore, I recommend that the Bank’s promotional mix should include strong enlightenment and sensitization campaign on interest-free banking. MOHAMMED A. SHUWAMA
