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All Journal International Journal of Islamic Economics and Finance (IJIEF) Al-Muzara'ah Iqtishoduna: Jurnal Ekonomi Islam Journal of Islamic Monetary Economics and Finance Journal of Islamic Economics and Finance Studies Journal of Accounting Research, Organization and Economics (JAROE) Sahwahita: Community Engagement Journal Anjasmoro: Islamic Interdisciplinary Journal Malacca: Journal of Management and Business Development
Muhammad, Aliyu Dahiru
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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BEHAVIORAL INTENTION TO PAY ZAKAH ON EMPLOYMENT INCOME AMONG ACADEMICIANS IN KANO STATE, NIGERIA Dandago, Kabiru Isa; Muhammad, Aliyu Dahiru; Abba, Safiyya Abubakar
Journal of Islamic Monetary Economics and Finance Vol. 2 No. 1 (2016)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v2i1.591

Abstract

The institution of zakah is the cornerstone of the Islamic economic system and the disbursement of the zakah fund in line with the Qur’anic injunction ensures equitable distribution and transfer of wealth from the rich to the poor. However, zakah practice in many Muslim countries left wide gap especially in realizing the goal of zakah in poverty reduction. For instance, zakah on employment income is largely neglected despite its juristic backing and changing economic structure that creates high professional income earners that form either upper middle class or lower middle class of the society. The objective of this paper is to explore the intention of income earners to pay zakah on their employment income in Kano State as this will add to the zakatable sources of the State Zakah commission. The paper employed Theory of Reasoned Action to examine the behavioral intention of 300 academics across Kano state government owned tertiary educational institutions to pay zakah on their income. Structural equation modeling was used to analyze the data collected. The overall result shows that the respondents have favorable behavioral intention towards payment of zakah on employment income. Specifically, the positive effect of both attitudinal beliefs and subjective norm on the behavioral intention is revealed. Hence, the need to come up with a comprehensive policy that will boost zakah collection, consequently its distribution to reduce extreme poverty in the state.
THE ROLE OF ISLAMIC SOCIAL FINANCE IN EMPOWERING YOUTH AND WOMEN IN SOKOTO STATE OF NIGERIA Muhammad, Aliyu Dahiru; Maidoki, Muhammad Lawal; Sani, Usman Buhari
Journal of Islamic Monetary Economics and Finance Vol. 3 (2018): SPECIAL ISSUE
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v3i0.911

Abstract

Islamic Social finance is an emerging area of study and practice, different from commercial finance. It concerns about financing members of the community or country for socio-economic development. However, it faces the challenge of sustainability either due to legal or regulatory framework or due to lack of awareness among members of the society. The history of Islamic social finance in Nigeria connects back to the revivalism of Islam through Shehu Uthman Bin Fodio in 1804. Recently, with the establishment of Zakat and Endowment Committee in Sokoto in 2007, there was an increasing awareness and practice in the contemporary Islamic Social Finance, especially when the Government converts the Committee into Commission in 2016 which makes it independence to initiate and execute its policies. The objective of this paper is to examine two of its recently executed projects vis-à-vis Youth and Women Empowerment programs. The study uses qualitative technique for data collection and analysis. Two focus group sessions were conducted with the Youth and Women entrepreneurs who benefitted from the empowerment programs by the SZEC. The study finds that the Youth have been able to harness their potentials by expanding their businesses and upgrading the quality of their products and services such as shoe repair due the skills acquired in the training. Moreover, the women have improved their welfare and that of their children to an unprecedented level. They were able to maintain their chosen business as livelihood of income. However, they reveal that, marketing of their finished products is the major challenge they face.
Pick-Up Strategy in Increasing Customer Attraction to Save at PT BPRS Mitra Harmoni Malang City Nurwakhidah, Ana; Anam, Hoirul; Muhammad, Aliyu Dahiru
Malacca: Journal of Management and Business Development Vol. 2 No. 2 (2025): Management and Business Development
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/malacca.v2i2.157

Abstract

This study discusses the implementation of the pick-up strategy by PT BPRS Mitra Harmoni Kota Malang in increasing interest and number of customers, especially among traders and MSMEs. This strategy involves a direct and personalized approach through market promotions, visits to business locations, and door-to-door methods, which have proven to be effective in strengthening relationships and facilitating access to services to the community. In addition, banks implement pick-up promotional services that allow people to make transactions such as payments and deposits without having to come to the bank directly, thus saving time and costs. The system is equipped with features such as passbooks and deposit slips to support the supervision of customer funds and increase trust. Despite challenges such as competition from other financial institutions and a lack of understanding of the product by potential customers, this strategy has shown positive results in expanding service access, increasing satisfaction, and strengthening relationships with customers.   sfdfsdfed
An Assessment of Factors that Influence Takaful Patronage in Kano Metropolis Yahya, Muhammad Ghiyath; Muhammad, Aliyu Dahiru; Abdullahi, Muhammad Ibrahim; Sanusi, Soliha
Journal of Accounting Research, Organization and Economics Vol 8, No 2 (2025): JAROE Vol. 8 No. 2 August 2025
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v8i2.37921

Abstract

Objective Takaful holds significant promise in Nigeria, particularly in the Northern region, which is predominantly inhabited by Muslims. Additionally, it is anticipated that the Northern region, which is predominantly Muslim, will favor Takaful due to the lack of interest in conventional insurance. Thus, the main objective of this study is to empirically examine the factors that influence patronage of Takaful among senior secondary school teachers in Kano metropolis.Design/Methodology This study adopted a descriptive survey research design. The study used primary data, and a questionnaire served as an instrument for data collection. The study employed a random sampling technique in selecting secondary schools from each of the eight metropolitan local governments in Kano state, and a purposive sampling technique was adopted to capture the target respondents. The study employed Structural Equation Modelling (SEM) by using SPSS version 22 and AMOS statistical software.Results The findings of the study reveal that all the independent variables of the study, namely awareness, attitude, subjective norm and perceived behavioral control, were found to significantly influence patronage of Takaful.Research limitations/implications Therefore, the study recommendations are; Firstly, National Insurance Commission (NAICOM) to liaise with relevant stakeholders (i.e., Takaful Companies) and come up with effective promotion strategy i.e., through the use of both online and offline media in order to improve the awareness level. Secondly, NAICOM and takaful companies to develop a blue print that will aim at improving the attitude of Senior Secondary School Teachers in Kano toward takaful products and services through organizing series of workshops, symposium and seminars. Thirdly, Takaful companies in collaboration with Kano State Secondary Schools Management Board (KSSSMB) to embark on enlighten Senior Secondary School Teachers in Kano to purchase takaful products and services. Lastly, Takaful companies in Kano, KSSSMB as well as relevant stake holders to advocate for incorporating Takaful into insurance policy as alternative to conventional insurance because of its recognition as an ethical mechanism for risk management.Novelty/Originality The research is novel as it highlights the relevant of takaful at school level, an area largely ignored.
Digital Transformation Training for Village Community Groups in Efforts to Turn Sumberejo Village into a Smart Village Yunas, Novy Setia; Wibowo, Dhimas Bagus Bimasena; Ratu, Jessica Gustriana; Novarani, Nabila; Putri, Pangestika Maharani; Mairisa, Puti Zanira; Muhammad, Aliyu Dahiru
Sahwahita: Community Engagement Journal Vol. 1 No. 2 (2024): Community Engagement Journal
Publisher : Yayasan Pendidikan Islam Bustanul Ulum Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69965/sahwahita.v1i2.77

Abstract

The rapid development of technology in the world which is beneficial for people's lives means it is necessary to master technology as time goes by. This training aims to enable students to provide ideas based on knowledge, to grow and accelerate movement in preparing future cadres and accelerate the achievement of a Smart Village in Sumberejo Village. There are several digital training provided, such as training on using editing applications, namely Canva and Filmora, training on creating and maintaining social media, namely village Instagram and YouTube, training on maintaining and optimizing village websites, and training on financial report management applications for BUMdes. This program was implemented well and smoothly because a regular socialization and training agenda had been implemented for village cadres according to their chosen interests. Regular training is needed for cadres to be able to master soft skills better, and of course, support from the village government is needed for cadres to facilitate the learning process so that it can be useful for village progress.
Awareness and Perception of Customers on Islamic Banking Products and Services: A Meta-Synthesis Jibril, Binta Tijjani; Hamid, Kabiru Tahir; Muhammad, Aliyu Dahiru; Rabiu, Warshu Tijjani
Journal of Accounting Research, Organization and Economics Vol 4, No 3 (2021): JAROE Vol. 4 No. 3 December 2021
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v4i3.20057

Abstract

Objective Islamic banking has emerged as a robust and sound banking system across the globe. Despite its increasing popularity, there is a dearth of awareness in both Muslim and Non-Muslim countries which slows the pace of development of the system. This paper, there-fore, reviews critically some empirical studies on awareness and perception of Islamic bank-ing products and services.Design/methodology The research involves review and synthesis of prior studies on customers awareness and perception of Islamic baking.Results The result of the review reveals that good awareness and perception of the public on Islamic banking products and services are critical to the development of Islamic banking and finance. The study concludes that significant progress has been made in Muslim and Non-Muslim countries with the potentials to dominate conventional banking shortly in some jurisdictions.Limitation/Suggestion Thus, the study recommends that operators and regulators of Islamic banks need to pay due attention to public awareness and perception with a view to enhancing patronage of the Islamic banking products and services and enabling the sector to effectively compete with its already well-established conventional counterpart.
Trends and Developments in Contemporary Zakat Administration Muhammad, Aliyu Dahiru
Journal of Islamic Economics and Finance Studies Vol 5 No 1 (2024): JIEFeS, June 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i1.7952

Abstract

Zakat is a third pillar of Islam and has been considered as the mainstay of Islamic economics. It comes at the center of the five pillars of Islam, which some scholars interpret as providing balance between ibadat (worship) and muamalat (day to day human transactions). Historically it provides solutions to economic problems of the Muslims society. However, its application is reduced to individual levels with limited impact in many parts of the world. In the recent times, there is revival of the institution of zakat. Thus, the paper examines the contemporary developments on zakat particularly its potential and applications in Muslim countries and communities. The methodology adopted is content analysis with critical review of the literature. Secondary data were sourced from reports covering 2014 to 2020. The data was specifically analyzed based on the trends and potentials of zakat in Asia, Sub-Saharan Africa, North Africa and the Russian Federation. The paper finds that, zakat in many Muslim jurisdictions has the potential of alleviating poverty and drastically reducing income inequality based on international standards. The implication of the study is that Muslim countries and communities should revive zakat and apply it in their mainstream economic system to solve their socio-economic problems.
Optimizing Mosque Waqf Management in Supporting the Achievement of Sustainable Development Goals (SDGs) Budiman, Mochammad Arif; Muhammad, Aliyu Dahiru; Sadewa, Manik Mutiara; Andriani, Andriani; Rizqina, Nabila Fatiha; Rifqi, Muhammad Mumtaza
AL-MUZARA'AH Vol. 13 No. 2 (2025): AL-MUZARA'AH (December 2025)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.13.2.239-252

Abstract

This paper examines how optimizing the management of mosque waqf (Islamic endowments) can support the achievement of the United Nations Sustainable Development Goals (SDGs). It explores the conceptual linkages between mosque waqf and sustainable development, analyzes the diverse roles of mosque waqf in addressing SDG targets, and proposes strategies for enhancing the efficiency and impact of mosque waqf management. The article discusses the potential of mosque waqf to contribute to poverty reduction, promotion of health and well-being, quality education, and environmental sustainability. It highlights the need for modernizing waqf management practices, drawing on principles of good governance, financial management, and social impact, to unlock the full potential of mosque waqf in supporting sustainable development initiatives.
Co-Authors Abba, Safiyya Abubakar Abdullahi, Muhammad Ibrahim Alkassim, Jibril Lawan Anam, Hoirul Andriani Andriani Fathurrahman Azhari Hamid, Kabiru Tahir HERU SISWANTO Jibril, Binta Tijjani Kabiru Isa Dandago, Kabiru Isa Mahmud Yusuf Maidoki, Muhammad Lawal Mairisa, Puti Zanira Manik Mutiara Sadewa Mochammad Arif Budiman Muhammad Syarif Hidayatullah, Muhammad Syarif Muhammad, Muhammad Abdulaziz Novarani, Nabila Novy Setia Yunas Nurwakhidah, Ana Putri, Pangestika Maharani Rabiu, Warshu Tijjani Ratu, Jessica Gustriana Rifqi, Muhammad Mumtaza Rizqina, Nabila Fatiha Sabiu, Tasiu Tijjani Sani, Usman Buhari Sanusi, Soliha Sulaiman, Sagir Muhammad Wibowo, Dhimas Bagus Bimasena Yahya, Muhammad Ghiyath