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Abba, Safiyya Abubakar

Unknown Affiliation

Author-ID : 1880505

Religion Humanities Economics, Econometrics & Finance

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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

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.

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

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.

Accessibility of Islamic Financial Services for People Living with Disabilities (PLWDs) Shehu, Farida Mohammed; Idris, Adamu Adamu; Atah, Ummi Ibrahim; Abba, Safiyya Abubakar
Tujjar International Journal of Islamic Economics Development Vol 2 No 2 (2024): Tujjar International Journal of Islamic Economics Development
Publisher : Universitas Muhammadiyah Pontianak

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29406/tujjar.v2i2.8427

This paper explores the accessibility of Islamic financial services for People Living with Disabilities (PLWDs), a critically underserved group in financial inclusion discourse. Despite Islamic finance’s inherent principles of equity, compassion, and social justice, institutional practices often overlook the specific needs of PLWDs. The study addresses a key gap in both Islamic finance and disability rights literature by examining how inclusive or exclusive current financial systems are for this demographic. Employing a broad literature review methodology, the paper synthesizes recent academic research, regulatory frameworks, and real-world practices from countries such as Saudi Arabia, Pakistan, Malaysia, Jordan, Nigeria, and Ghana. Key findings reveal persistent barriers across physical infrastructure, digital interfaces, institutional attitudes, and financial literacy. However, promising models such as SAMA’s accessibility guidelines, Braille and voice-enabled banking in Pakistan and Jordan, and co-designed fintech platforms in Kenya and Mexico, demonstrate scalable best practices. The paper underscores the need for Islamic financial institutions to go beyond compliance and actively embrace universal design, inclusive product development, and collaborative policymaking with disability rights stakeholders. The study concludes with a call to action for regulators, Shariah boards, and Islamic financial service providers to institutionalize accessibility within core operations. Doing so aligns with both global disability inclusion goals and the Islamic ethical mandate to serve marginalized communities with dignity and equity.

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