Large amounts of wealth are managed under Sharia regulations, but understanding the economics of these markets requires specialized knowledge. A program in Islamic finance often provides the information necessary to understand a given issue, such as capital investment or accounting.

An extreme lack of resources coupled with a poor economic situation has made The Gambia a poor choice for those seeking a degree in higher education. Though the number of educated Gambians is on the rise, it is still far lower than the international average.

The PhD is a doctoral degree, specifically called a "doctor of philosophy" degree. This is misleading because PhD holders are not necessarily philosophers (unless they earned their degree in philosophy!). That said, PhD recipients are able to engage in thought experiments, reason about problems, and solve problems in sophisticated ways.