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All Journal YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Al-Manar : English and Arabic Journal An-Nida' JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Suhuf Al-Ibrah : Jurnal Pendidikan dan Keilmuan Islam FITRAH:Jurnal Kajian Ilmu-ilmu Keislaman Jurnal Ilmiah Al-Syir'ah Jurnal Al-Irsyad: Jurnal Bimbingan Konseling Islam TADBIR: Jurnal Manajemen Dakwah FDIK IAIN Padangsidimpuan Journal of Islamic Economics and Philanthropy Amsir Law Jurnal (ALJ) Al Dzahab Kawanua International Journal of Multicultural Studies ITQAN: Journal of Islamic Economics, Management, and Finance Borneo Journal of Language and Education IJOEM: Indonesian Journal of Elearning and Multimedia Al-'Aqdu: Journal of Islamic Economics Law Al-Imam : Journal on Islamic Studies, Civilization And Learning Societies MILRev: Metro Islamic Law Review Aktual : Jurnal Pengabdian Kepada Masyarakat Constitution Journal Journal of Regional Development and Technology Initiatives Jurnal Mediasas : Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah Perwakilan: Journal of Good Governance, Diplomacy, Customary Institutionalization and Social Networks Abdurrauf Social Science Abdurrauf Law and Sharia Ahlika: Jurnal Hukum Keluarga dan Hukum Islam Antmind Review: Journal of Sharia and Legal Ethics Madania: Jurnal Kajian Keislaman
Muhammad, Adamu Abubakar
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Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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The Effect of Religiosity and Disposable Income on Interest in Saving Purwakarta Community in Islamic Banks Khofifah, Nisa Nurramdhiani; Bahrun, Adriansah; Oktriawan, Wawan; Muhammad, Adamu Abubakar
SUHUF Vol 35, No 2 (2023): November
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v35i2.23030

Abstract

This study aims to describe and how the influence of religiosity and disposable income on the intention to save the people of Purwakarta in Islamic banks. The method used in this research is quantitative with a purposive sampling technique, which is used as a sample of 100 people from a population of 430,788 people. The theoretical analysis used for the religiosity variable (X1) is the theory of Huber, S., Huber, and the disposable income variable (X2) uses the theory of Syahputri and Dalimunte and Case E, Fair C.Ray, while the interest in saving variable (Y) using the theory of Kotler and Ferdinand. Based on the results of data analysis, it was concluded that first, religiosity has a positive and significant effect on the intention to save in Islamic banks. It is known that the Sig value for the influence of religiosity (X1) on the interest in saving (Y) is 0.002 0.05 and the tcount is 3.218 ttable 1.985. Secondly, disposable income has a positive and significant effect on the intention to save in Islamic banks. It is known that the Sig value for the influence of disposable income (X2) on the intention to save (Y) is 0.000 0.05 and the tcount value is 7.386 ttable 1.985. Thirdly, religiosity (X1) and disposable income (X2) simultaneously influence the dependent variable, namely the intention to save in Islamic banks (Y). 05 and t-test value is 43.609 t-table 3.09. The influence of religiosity and disposable income on the intention to save is 47.3%.
Utilization of Zakat and Waqf in Address Dependency Challenges of The Vulnerable in Gombe State Muhammad, Adamu Abubakar; Bala, Babangida; Ardo, Adam Muhammad; Adam, Muhammad Bello; Mashema, Bashir Liman; Sugitanata, Arif
Al-'Aqdu: Journal of Islamic Economics Law Vol 4, No 2 (2024): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/ajiel.v4i2.3307

Abstract

The socio-economic challenges faced by vulnerable groups in Gombe State, Nigeria, underscore the need for sustainable interventions to alleviate poverty and dependency. This study examines the utilization of Zakat and Waqf as Islamic socio-economic tools to empower vulnerable populations and promote economic independence. Employing a mixed-method approach, it integrates qualitative interviews with stakeholders in Zakat and Waqf management and quantitative data on poverty and dependency rates. Findings reveal that structured and transparent administration of Zakat and Waqf can significantly enhance access to education, healthcare, and sustainable livelihoods, reducing dependency. However, challenges such as limited awareness, poor institutional frameworks, and inadequate regulatory support hinder optimal implementation. This study recommends policy reforms, institutional capacity-building, and enhanced community engagement to maximize the impact of these Islamic instruments. The research contributes to ongoing discussions on leveraging Islamic social finance to foster socio-economic equity and justice.
Waqf as an Islamic Endowment: A Solution for Improving Educational Attainment in Northern Nigerian Communities Muhammad, Adamu Abubakar; Ardo, Adam Muhammad Ardo; Aliyu, Shafa’at Ahmad; Muhammad, Zuwaira Jibril
ITQAN: Journal of Islamic Economics, Management, and Finance Vol. 4 No. 1 (2025): ITQAN: Journal of Islamic Economics, Management, and Finance
Publisher : Yayasan Mitra Peduli Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57053/itqan.v4i1.58

Abstract

About 6 out of 10 pupils in Northern Nigerian rural areas are left behind in educational attainment due to poverty, lack of parental support, insecurity challenges, or cultural disparity. This study aims to describe the relationship between socioeconomic status and educational goals in Northern Nigeria and how using and revitalizing Waqf institutions might advance education in the region. Because of socioeconomic factors like poverty, cultural norms, and underfunded educational systems, Northern Nigeria faces significant challenges that impede access to high-quality education and educational goals despite numerous government initiatives. A review of the literature, case studies, and expert interviews are all part of the qualitative technique used in this study. These techniques make it possible to fully comprehend the difficulties the local educational system faces and the historical and contemporary contributions of Waqf institutions to the advancement of education in northern Nigerian communities. Examining pertinent theoretical frameworks and empirical research yields important insights into how Islamic endowment systems can lessen notable educational gaps in the region, which is one of the significant findings of the current research. It also revealed that Waqf models that have worked well in other Muslim countries draw attention to the potential applications for more benefits and to finance education for underprivileged students. Ultimately, the study recommends that including Waqf in educational financing would provide practical, long-term methods to improve educational objectives in the area and lessen the detrimental effects of the socioeconomic crisis.
Addressing the Barriers to Trade and Investment in Nigeria from an Islamic Perspective Muhammad, Adamu Abubakar; Abubakar Hussaini, Hamza; Adam Muhammad Ardo
Jurnal Iqtisad Vol 11 No 2 (2024): Jurnal Iqtisad
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/iq.v11i2.10974

Abstract

The objective of this research is to address the issue of trade and investment in Nigeria from an Islamic perspective. A comprehensive approach will be employed, encompassing the analysis of trade and investment policies, the identification of barriers and obstacles, and the consideration of Islamic teachings. This approach is designed to provide insights and solutions that will enhance trade and investment in Nigeria. The research methodology will entail a systematic and comprehensive literature analysis approach, encompassing the searching, collecting, and evaluation of literature sources relevant to the research topic. This process will be complemented by semi-structured interviews with relevant individuals. The overarching objective of this research endeavor is twofold: first, to contribute to Nigeria's economic advancement, and second, to promote societal inclusivity and prosperity. By meticulously examining Islamic principles and their implementation in the context of trade and investment, this study aims to offer a distinctive viewpoint and potential solutions to the challenges hindering trade and investment in Nigeria.
Integrating Islamic Law and Modern Regulation: Cryptocurrency as a Sharia-Compliant Digital Asset in Indonesia Mokodompis, Iin Indriani; Pedju, Rizaldy Purnomo; Muhammad, Adamu Abubakar
Antmind Review: Journal of Sharia and Legal Ethics Vol. 1 No. 2 (2024): Antmind Review: Journal of Sharia and Legal Ethics
Publisher : ANTMIND YOUTH EMPOWER FOUNDATION

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63077/r27rd104

Abstract

Cryptocurrency, as a rapidly evolving digital asset, has sparked significant debates regarding its legality and compliance with Islamic law. This study examines the intersection of Indonesian positive law and Islamic principles in regulating cryptocurrency as a tradable commodity (Sil’ah). Using a qualitative library research approach, the research explores regulatory frameworks such as Peraturan Menteri Perdagangan Nomor 99 Tahun 2018 and Peraturan BAPPEBTI Nomor 5 Tahun 2019, alongside Islamic legal standards for Sil’ah. Findings reveal that while Indonesian law has established a robust regulatory system ensuring transparency and security, compliance with Islamic principles requires further alignment, particularly in addressing challenges like volatility, lack of physical form, and potential gharar (uncertainty). However, digital documentation and blockchain technology provide opportunities for cryptocurrency to meet Sil’ah criteria, including ownership clarity and economic utility. The study emphasizes the potential for harmonizing positive law and Islamic law through adaptive regulations and innovative technologies such as blockchain-based smart contracts and halal asset tokenization. This integration could support a sharia-compliant digital economy, fostering inclusivity and trust among Muslim investors. The research contributes to bridging gaps in understanding cryptocurrency's role within Islamic finance and its future in the global economic landscape.
The Role of a Harmonious Family in Shaping Tolerant Attitudes in a Multicultural Society Firdaus, Ahmad Zainul; Muhammad, Adamu Abubakar; Haerunnisa, Haerunnisa; Supriyadi, Supriyadi; Kurniawan, M. Rafli
Kawanua International Journal of Multicultural Studies Vol 5 No 2 (2024)
Publisher : State Islamic Institute of Manado (IAIN) Manado, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/kijms.v5i2.1152

Abstract

This study explores the role of harmonious families in shaping attitudes of tolerance within multicultural societies, analyzed through the lens of symbolic interaction theory. In this context, a harmonious family serves as the primary social unit that provides a foundation for individuals to understand and appreciate social, cultural, and religious differences. Using a qualitative research approach based on a literature review, the study examines how symbolic interactions within the family, including open communication and constructive conflict resolution, foster tolerant attitudes toward diversity. The analyzed data indicate that harmonious families can instill values of empathy, fairness, and respect for differences, which are essential in multicultural societies. The study finds that families with open communication patterns and strong emotional support are more likely to produce individuals capable of resolving conflicts peacefully and contributing to inclusive communities. However, the study acknowledges limitations in empirical data and recommends further field research to explore the relationship between harmonious families and the development of tolerance in diverse environments. The findings of this study are expected to provide insights for policymakers and educators in strengthening the role of families in creating tolerant and peaceful societies.
Zakat and Waqf Model in Reducing Poverty among Vulnerable Groups During the Pandemic in Nigeria Muhammad, Adamu Abubakar; Fajri, Mohammad Zen Nasrudin; Idriss, Ibrahim Dahiru; Wani, Athar Shahbaz
Journal of Islamic Economics and Philanthropy Vol. 7 No. 1 (2024): August
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v7i1.12182

Abstract

The crisis of COVID-19 pandemic has already crushed and affected almost everyone in the world. In terms of economy, the vulnerable group was the most affected group in the society as many of them lose their jobs and thus poverty rate rose. Poverty is a worldwide spread problem that results pains and loss of confidence to many people in the world where vulnerable citizens of Bauchi state-Nigeria are not excluded. The menace of poverty during COVID-19 pandemic can be alleviated through proper Zakat and Waqf administrations. This study explores the possible uses of Zakat and Waqf as financing tools for poverty alleviation during COVID-19 pandemic on the vulnerable in the society. The qualitative approach is adopted which includes review of related literatures and interview with relevant bodies and individuals. The findings of the study reveals that Zakat and Waqf as an Islamic finance models have relevant potential to fight any contemporary crisis and pandemic in respect of geographical location, era, people or religion. Zakat and Waqf if properly organized, maintained, collected, well managed and truthfully distributed to the people concerned can help in fighting the adverse effect of COVID-19 pandemic and alleviate poverty among the vulnerable in Bauchi state Nigeria.
Methodological Approach of Reviving Zakat and Waqf Institutions in Bauchi and Gombe States Nigeria: The Way Forward Hussaini, Hamza Abubakar; Muhammad, Adamu Abubakar; Muhammad, Zuwaira Jibril; Aliyu, Shafa’atu Ahmad
Journal of Islamic Economics and Philanthropy Vol. 7 No. 2 (2024): November
Publisher : Universitas Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/jiep.v7i2.12785

Abstract

This paper examines the Methodological Approach of Reviving Zakat and Waqf Institutions in Bauchi and Gombe States Nigeria by assessing the current situation of Zakat and Waqf institutions in Bauchi and Gombe States, Nigeria, and proposes measures for their revival for human sustainable development. The paper also discusses a brief history of Zakat and Waqf in Islam and their significance in promoting social welfare of the Ummah, as well as the current challenges faced by these institutions in the study area which includes a lack of establishment willingness, proper management, low patronization, inadequate funding, and limited public awareness. This research adopted the qualitative research method by using a literature review and interview for data collection as well as content analysis for analyzing the data. In order to revive these institutions and fully harness their potential, the paper suggests a holistic approach that involves collaboration between government institutions, religious organizations, and the community. This approach includes developing a comprehensive legislative framework for Zakat and Waqf, establishing an effective management system, and increasing public awareness through education and outreach programs.
The Alternative Use of Islamic Endowment (Waqf) for Educational Desire Among Contemporary Northern Nigerian People: Penggunaan Alternatif Wakaf Islam untuk Kebutuhan Pendidikan di Kalangan Masyarakat Nigeria Utara Kontemporer Muhammad, Adamu Abubakar; Ardo, Adam Muhammad; Aliyu, Shafa’at Ahmad; Muhammad, Zuwaira Jibril
Al Dzahab Vol. 6 No. 1 (2025): Al Dzahab: Journal of Economics, Management, Business and Accounting
Publisher : Institut Agama Islam Negeri Kerinci

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/dhb.v6i1.4932

Abstract

Purpose: The feasibility and effective use of Waqf to bridge educational disparities in Northern Nigeria are investigated in this study. Design/methodology/approach: This study employs a qualitative methodology that includes a review of the literature, case studies, and expert interviews. These methods enable a thorough understanding of the challenges facing the local educational system as well as the contributions Waqf has made to the growth of education both historically and currently. Findings: Important insights into how Islamic endowment systems can reduce significant educational disparities in the region are obtained via the examination of relevant theoretical frameworks and empirical research. It highlights the potential uses of these endowments, which are motivated by religious beliefs, to fund education for disadvantaged pupils by examining Waqf models that have been successful in other Muslim nations. Research implications: Incorporating Waqf into educational funding would offer a workable, long-term way to reduce the negative consequences of the socioeconomic crisis and enhance educational goals in the region.
Need For Constitutional Review To Accommodate Zakat And Waqf Laws In Nigeria Muhammad, Adamu Abubakar; Ardo, Adam Muhammad; Mashema, Bashir Liman; Muhammad, Anas Adam
Constitution Journal Vol. 3 No. 2 (2024): Constitution Journal December 2024
Publisher : UIN Kiai Haji Ahmad Sidiq Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719./constitution.v3i2.104

Abstract

This paper investigates the fundamental elements of Islamic social welfare and economic systems Waqf and Zakat. As required almsgiving and charitable endowments, they are essential to wealth redistribution and communal support. Regardless of their relevance, the absence of official recognition and incorporation within the national legal system poses significant obstacles for these institutions in Nigeria. In an effort to increase the effectiveness and influence of Zakat and Waqf legislation in Nigeria, this study makes the case for a constitutional review that would include them. A qualitative research approach was taken, utilizing contents analysis for data analysis as well as literature and interview to obtain pertinent information. According to the research, the Nigerian constitution does not explicitly and immediately formalize the Waqf and Zakat institutions, and new legislation is required to enable their creation and management. The study offers a thorough analysis of pertinent federal laws and acts as a viable remedy to improve the Waqf and Zakat systems throughout Nigeria.
Co-Authors Abdullahi, Hashimu Abubakar Hussaini, Hamza Abubakar, Gaji Maiwada Adam Muhammad Ardo Adam, Maryam Adam, Muhammad Bello Afifi Fauzi Abbas Afifi, Abdullah A Ahmad Barizi Ahmad Fadhel Syakir Hidayat Ahmad Fanani Ahmad, Muhammad Hamma Adama Ahmad, Zubaida Yahya Alfiyah, Nur Aliyu, Shafa'at Ahmad Aliyu, Shafa’atu Ahmad Aliyu, Shafa’at Ahmad Aliyu, Shafa’atu Ahmad Alrumayh, Safa Amare, ISA Abubakar Dutsin- Andik Purwanto Aprijon Efendi Ardo, Adam Muhammad Ardo, Adam Muhammad Ardo Arincia, Meicella Rizky Asy'arie, Bima Fandi Babangida, Bala Bahrun, Adriansah Bala, Babangida Bilalu, Naskur Bintoro, Panji Bodi Gunawan Bukido, Rosdalina Burhan, Putri Ajeng Dalhatu, Rabi Shehu Darmanto Darmanto Darmanto Dedy Hamdani Dzulqarnain, Andi Edi Gunawan Edy Sutrisno Eliza, Mona Fajri, Mohammad Zen Nasrudin Fandi Ahmad Fatum Abubakar Ferly Ardhy Firdaus, Ahmad Zainul Galadanci, Nafisa Kabir Haerunnisa Haerunnisa, Haerunnisa Hussaini, Hamza Abubakar Ibrahim, Aliyu Idriss, Ibrahim Dahiru Irwan Koto, Irwan Jika, Fadimatu Ahmed KAWAKIP, Akhmad Nurul Kawu, Garba Sa'adu Khatoon, Ghousia Khofifah, Nisa Nurramdhiani Kurniawan, M. Rafli Lateef, Abiola Muideen Mashema, Bashir Liman Mikail, Usman Jibril Mohammed, Yakubu Zulaihat Mokodompis, Iin Indriani Muhammad Jajere, Bello Muhammad, Anas Adam Muhammad, Ibrahim Abubakar Muhammad, Yakubu Zulaihat Muhammad, Zuwaira Jibril Muhammed , Yakubu Zulaihat Muspika Hendri Nelly Marhayati, Nelly Nur Aminudin Nurdin, Zurifah Oktriawan, Wawan Pedju, Rizaldy Purnomo Putri, Desy Hanisa Ratnasari Ratnasari Reza Fahmi Riaz, Shehla Salisu, Muhammad Auwal Salma Salma Sani, Shafi’u Mahmud Selly Susanti, Septiani Shahbaz, Athar Shariff , Ikilima Abubakar Shariff, Ikilima Abubakar Siti Fatimah Subeitan, Syahrul Mubarak Sugitanata, Arif Supriyadi Supriyadi Suryani Suryani Tijjani, Abdulkareem Ahmad Toure, Youcha Alassane Wani, Athar Shahbaz Yakub, Abubakar Aliyu Yusuf Adamu, Rabi Zakariah, Asril Amirul Zaki, Salisu Abba