01 - Preheat oven to 350°F. Line a 12-cup muffin tin with paper liners or grease lightly with cooking spray.
02 - In a large bowl, whisk together mashed bananas, pumpkin puree, eggs, melted butter, brown sugar, maple syrup, and vanilla extract until smooth and fully incorporated.
03 - In a separate medium bowl, stir together flour, baking soda, baking powder, salt, cinnamon, nutmeg, ginger, and cloves until evenly distributed.
04 - Add dry ingredients to wet mixture. Gently fold with a spatula until just combined—do not overmix to ensure tender texture.
05 - Fold in chopped nuts and/or chocolate chips if desired.
06 - Evenly divide batter among prepared muffin cups, filling each about three-quarters full.
07 - Bake for 20 to 22 minutes, or until a toothpick inserted in the center comes out clean or with a few moist crumbs.
08 - Let muffins cool in the pan for 5 minutes, then transfer to a wire rack to cool completely before serving.