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All Journal Sharia Oikonomia Law Journal International Journal of Educational Narratives
Ifeoma Okechukwu
Ahmadu Bello University

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ZAKAT AND ISLAMIC MICROFINANCE INTEGRATION FOR RURAL POVERTY ALLEVIATION IN NORTHERN NIGERIA Ifeoma Okechukwu; Uchechi Akinyi; Samuel Ayodele; Chinonso Onyema
Sharia Oikonomia Law Journal Vol. 3 No. 3 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v3i3.2203

Abstract

Poverty remains a persistent challenge in Northern Nigeria, where rural communities face limited access to formal financial services, weak economic infrastructure, and high unemployment rates. Zakat, as a pillar of Islamic social finance, has historically served as a mechanism for wealth redistribution, while Islamic microfinance offers interest-free financial inclusion tools for underserved populations. Despite their individual strengths, these instruments are often implemented in isolation, limiting their long-term impact on poverty alleviation. This study aims to investigate the integration of zakat and Islamic microfinance as a comprehensive and sustainable model for rural poverty reduction in Northern Nigeria. A mixed-methods approach was adopted, combining qualitative interviews with zakat administrators, microfinance practitioners, and rural beneficiaries, alongside a survey of 250 households across three rural districts. Results indicate that the combined model enhances both short-term welfare and long-term financial independence by linking zakat-based capital injection with microfinance schemes focused on capacity building, entrepreneurship, and risk-sharing. The study concludes that zakat-microfinance integration is not only feasible but essential for achieving inclusive economic development in Islamic contexts. Policy recommendations emphasize institutional coordination, regulatory support, and community engagement to scale the model.
Teachers’ Professional Journeys: Life Histories of Female Educators in Northern Nigeria Emeka Nwosu; Bola Oladeji; Ifeoma Okechukwu
International Journal of Educational Narratives Vol. 3 No. 3 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/ijen.v3i3.2204

Abstract

Background. In Northern Nigeria, female educators face a unique intersection of cultural, religious, and structural challenges that shape their access to and progression within the teaching profession. Despite policy efforts to increase female participation in education, little is known about the personal and professional experiences of women who navigate these constraints to become educators. Purpose. This study explores the life histories of female teachers in Northern Nigeria to understand how they construct their professional identities and sustain their careers within a socio-cultural landscape marked by gender expectations, limited mobility, and resource scarcity. Method. Using a qualitative life history approach, the study involved narrative interviews with 15 female teachers across rural and peri-urban settings in Kano, Katsina, and Kaduna states. Results. Thematic analysis revealed key patterns related to family influence, resilience in the face of structural adversity, mentorship, and the moral dimensions of teaching as social service. Participants shared stories of early inspiration, periods of withdrawal due to marriage or childbirth, and eventual returns to teaching motivated by a sense of community duty. Conclusion. The study concludes that life history narratives provide critical insight into the agency, adaptation, and persistence of women educators in marginalized regions.
Co-Authors Bola Oladeji Chinonso Onyema Emeka Nwosu Samuel Ayodele Uchechi Akinyi