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All Journal International Journal of Islamic Economics and Finance (IJIEF) Iqtishoduna: Jurnal Ekonomi Islam Journal of Islamic Monetary Economics and Finance Anjasmoro: Islamic Interdisciplinary Journal Malacca: Journal of Management and Business Development
Muhammad, Aliyu Dahiru
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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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
Co-Authors Abba, Safiyya Abubakar Alkassim, Jibril Lawan Anam, Hoirul Fathurrahman Azhari HERU SISWANTO Kabiru Isa Dandago, Kabiru Isa Mahmud Yusuf Maidoki, Muhammad Lawal Muhammad Syarif Hidayatullah, Muhammad Syarif Muhammad, Muhammad Abdulaziz Nurwakhidah, Ana Sabiu, Tasiu Tijjani Sani, Usman Buhari Sulaiman, Sagir Muhammad