Preheat oven to 350°. Combine flour, sugar, baking soda, salt, cinnamon, ginger, cloves in a large bowl.
In a large measuring cup, measure first the oil, then pumpkin, then mix in the eggs.
Add liquid ingredients to dry ingredients and partially mix. Add apples and stir until the flour disappears and no more.
Using an ice cream scoop, scoop the mixture into a paper-lined muffin tin, filling 2/3 full.
In a small bowl, combine Streusel ingredients and mash them together with a fork until crumbly.
Sprinkle Streusel topping over the batter. Bake in preheated oven for 25-30 minutes or until toothpick comes out clean.
ENJOY THIS RECIPE FROM FreshFoodinaFlash.com