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All Journal Sharia Oikonomia Law Journal
Chinonso Onyema
Nnamdi Azikiwe 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.
DIGITALIZATION OF ZAKAT MANAGEMENT FOR ENHANCED TRANSPARENCY AND POVERTY ALLEVIATION A CASE STUDY OF BAZNAS INDONESIA Syukrawati Syukrawati; Nadiah Ismail; Chinonso Onyema
Sharia Oikonomia Law Journal Vol. 3 No. 4 (2025)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/solj.v3i4.2631

Abstract

Traditional Zakat management often faces a significant institutional trust deficit, hindering its potential for poverty alleviation. The digitalization of Zakat, as exemplified by Indonesia’s BAZNAS, presents a strategic solution, yet its empirical impact on transparency and social outcomes is under-evaluated. This research aims to empirically evaluate the impact of BAZNAS’s digitalization strategy on enhancing institutional transparency, rebuilding stakeholder trust, and improving the effectiveness of poverty alleviation programs. A mixed-methods explanatory sequential case study of BAZNAS was employed. The study analyzed longitudinal institutional data (2018-2024), structured surveys (n=1000 muzakki and mustahik), and 55 semi-structured stakeholder interviews. Findings reveal a profound positive impact: Zakat collection increased by 153.1% and fund distribution time decreased by 72.3%. ‘Perceived Transparency’ (? = .55, p < .001) was confirmed as the strongest predictor of ‘Institutional Trust’. A statistically significant reduction in mustahik poverty scores was also observed (p < .001). However, a critical ‘Digital Access Gap’ affecting 22% of recipients was identified. Digitalization is empirically validated as a powerful tool for resolving the institutional trust deficit and enhancing Zakat’s effectiveness in poverty reduction. This success is, however, contingent upon developing hybrid strategies to address the digital divide and ensure inclusivity.
Co-Authors Ifeoma Okechukwu Nadiah Ismail Samuel Ayodele Syukrawati Syukrawati Uchechi Akinyi