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All Journal Al-Imam : Journal on Islamic Studies, Civilization And Learning Societies Journal of Regional Development and Technology Initiatives
Ahmad Babikir
Federal University of Kashere, Gombe State, Nigeria
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Women's Economic Empowerment through Islamic Social Finance: Integrating Waqf, Zakah, and Microfinance for Inclusive Development Huma Khan; Adamu Abubakar Muhammad; Ahmad Babikir; Ismail Iliyasu Danladi; Muhammad Uba Babayo; Abdullah A. Afifi
Journal of Regional Development and Technology Initiatives Vol. 4 No. 1 (2026)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.jrdti.2026.4.188

Abstract

Women economic empowerment has been at the heart of global discussions about development owing to the critical roles it plays in poverty alleviation, household welfare, inclusive economic development and growth. Nevertheless, an important proportion of women, especially in developing countries, still face poor access to financial services, productive assets and financial opportunities. Their entrepreneurship potentials continue to be untapped due to their poor access to capital. Limited financial resources and collateral requirements prevent poor women from accessing Conventional financing options. As part of the Islamic financial framework, zakah, waqf, sadaqa, and Islamic micro-financing are useful tools for social justice and promoting equal distribution of wealth. Hence this paper aims to present the Integrated Women Islamic Social Finance Empowerment Framework (IWISE) which is an effort to combine the elements of Islamic social finance with women empowerment entrepreneurship and capacity development into a single cohesive model. This study employs a qualitative research approach. The primary data collection consists of document analysis of Islamic classical legal texts, and reviews of current relevant literatures on Islamic social finance, women entrepreneurship, financial inclusion, micro financing and poverty alleviation. The study employs conceptual and analytical method to synthesis existing body of knowledge and put forward an integrate Islamic social finance for women’s economic development. Study shows that better integration of Zakah and Waqf Institutions, Islamic micro-financing institutions, governments and civil society could improve women access to finance, support the provision of business development, vocational skills, digital literacy, and other opportunities in the market place. Productive endowments (waqf) and zakat, could sustain entrepreneurial activities for women. This approach is expected to create synergistic and collaborative partnerships to advance women entrepreneurship, financially include women in the economy and sustainably enhance their livelihoods. This study adds to the existing body of literature on Islamic social finance through proposing a novel model of Integrated Women’s Islamic Social Finance Empowerment (IWISE) Frame work that strategically combine zakat, waqf and Islamic micro finance with capacity development and partnerships initiatives in the sphere of women entrepreneurship and economic development. This framework will provide a policy road map for policy makers, Islamic institutions and entrepreneurs for effective utilization of Islamic philanthropic and financial resources to ensure that Islamic social Finance become instruments of inclusive and sustainable human development through empowerments of women.
Maqasid al-Wahy and Waqf-Based Scientific Research Funding: Toward a Sustainable Framework for Knowledge Production and Human Development Zulaihat Mohammed Yakubu; Adamu Abubakar Muhammad; Ahmad Babikir; Asmau Muhammad Saad; Ibrahim Isa Bello; Shaaban Idris Abdullahi; Bilyaminu Yusuf; Abdullah A. Afifi
AL-IMAM: Journal on Islamic Studies, Civilization and Learning Societies Vol 7 No 2 (2026)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.im.2026.7.194

Abstract

Scientific research is central to knowledge advancement, innovation, human wellbeing, and civilizational development, yet many research systems face persistent challenges of inadequate and unsustainable funding, institutional capacity, and research autonomy. Historically, waqf supported educational institutions, libraries, healthcare, and scholarly activities, but its potential as a contemporary mechanism for sustainable scientific research remains insufficiently explored. This study examines the potential integration of Maq??id al-Wa?y and waqf-based funding as an institutional framework for sustainable scientific research and knowledge production. A qualitative conceptual and analytical approach was employed through a critical review of classical and contemporary Islamic scholarship on Maq??id al-Wa?y, waqf, Islamic philanthropy, and contemporary research and innovation systems. The findings indicate that waqf can serve as a sustainable and complementary source of research funding when supported by effective governance, professional management, transparent allocation mechanisms, and clearly defined developmental objectives. The study consequently proposes a Maq??id al-Wa?y–Waqf Research Funding Framework for supporting interdisciplinary research in areas such as artificial intelligence, health sciences, environmental sustainability, biotechnology, digital technologies, and education. The framework emphasizes collaboration among researchers, universities, research institutions, policymakers, philanthropists, religious organizations, industry, and communities. The study contributes conceptually by repositioning waqf from predominantly charitable expenditure toward long-term social investment in knowledge production and innovation, while providing a revelation-centred ethical orientation for research directed toward human wellbeing and sustainable development. As a conceptual study, the framework requires empirical validation through future institutional, comparative, and field-based research.
Co-Authors Abdullah A. Afifi Adamu Abubakar Muhammad Asmau Muhammad Saad Bilyaminu Yusuf Huma Khan Ibrahim Isa Bello Ismail Iliyasu Danladi Muhammad Uba Babayo Shaaban Idris Abdullahi Zulaihat Mohammed Yakubu