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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 Al-Irsyad: Jurnal Bimbingan Konseling Islam TADBIR: Jurnal Manajemen Dakwah FDIK IAIN Padangsidimpuan Journal of Islamic Economics and Philanthropy Al Dzahab ITQAN: Journal of Islamic Economics, Management, and Finance Borneo Journal of Language and Education Al-'Aqdu: Journal of Islamic Economics Law Al-Imam : Journal on Islamic Studies, Civilization And Learning Societies MILRev: Metro Islamic Law Review 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 Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice 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.
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.
EXAMINING ISLAMIC EDUCATIONAL PHILOSOPHY AS A SPECIAL PHILOSOPHY Darmanto; Asy'arie, Bima Fandi; Selly Susanti, Septiani; Fatimah, Siti; Muhammad, Adamu Abubakar
AL - IBRAH Vol 10 No 1 (2025)
Publisher : Sekolah Tinggi Ilmu Tarbiyah Al - Ibrohimy Bangkalan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61815/alibrah.v10i1.528

Abstract

Philosophy is a human endeavor that studies the essence through human reason by using reason to understand and answer all questions related to transcendence, humanism, and the human world. The object of philosophical study is inseparable from ontology, epistemology, and axiology. Data collection through “Google Scholar” and “ScienceDirect”, such as books, scientific articles, and proceedings, which are the main topic of discussion of the research topic. The discussion of this study’s object of general philosophy includes the history of the emergence of philosophy, characteristics of philosophical thinking, and the benefits of studying philosophy. As for the special branches of philosophy include “philosophy of education, history, science, law, social science, logic, art, religion, morals, and sports.” Then, on the object related to special philosophy, namely, the philosophy of educational practice and Islamic educational science. Studying philosophy can help understand the nature of truth, because it is necessary to study philosophy in the world of education. The study of philosophy can help assess the formulation of educational policies, understand the perception of differences in society, and change life by thinking critically.
The Legal Framework of Waqf and Its Role in Modern Economic Development in Nigeria Ardo, Adam Muhammad; Muhammad, Adamu Abubakar; Adam, Muhammad Bello; Aliyu, Shafa’at Ahmad; Muhammad, Zuwaira Jibril
Ahlika: Jurnal Hukum Keluarga dan Hukum Islam Vol. 1 No. 2 (2024): Ahlika: Jurnal Hukum Keluarga dan Hukum Islam
Publisher : Yayasan Abdurrauf Cendekia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70742/ahlika.v1i2.109

Abstract

This study examines the legal framework of waqf in Nigeria and its potential role in driving modern economic development. Waqf, as one of the key institutions in Islamic economic law, has historically played a significant role in wealth redistribution, social welfare, and public service provision in many Muslim societies. Despite its substantial potential, waqf in Nigeria remains underutilized due to regulatory ambiguities, low public awareness, and complex socio-political dynamics. This research provides an in-depth analysis of the existing waqf laws in Nigeria, highlighting their strengths and weaknesses, and investigates how regulatory reforms could enhance the effectiveness of waqf in addressing socio-economic challenges. Employing a qualitative research approach, the study integrates doctrinal legal analysis with empirical research to explore the waqf framework in Nigeria and its role in economic development. The findings reveal the implications of developing a more robust legal framework for waqf in Nigeria, emphasizing its role in poverty alleviation, education funding, healthcare services, and infrastructure development, while identifying its potential as a complementary mechanism to state-provided services. The study recommends the establishment of a dedicated waqf commission to standardize regulations, ensure accountability, and promote transparency. It also advocates for partnerships between government agencies, religious institutions, and civil society to raise awareness and encourage public participation in waqf initiatives. By integrating waqf into Nigeria’s broader economic and development policies, the study concludes that waqf has the potential to play a transformative role in achieving sustainable development goals, reducing economic disparities, and fostering community-driven development. The research findings are intended to serve as a foundation for policymakers, academics, and practitioners interested in revitalizing waqf within Nigeria’s contemporary economic framework. Abstract: Penelitian ini mengkaji kerangka hukum wakaf di Nigeria serta potensinya dalam mendorong perkembangan ekonomi modern. Wakaf, sebagai salah satu institusi kunci dalam hukum ekonomi Islam, secara historis berperan penting dalam redistribusi kekayaan, kesejahteraan sosial, dan penyediaan layanan publik di banyak masyarakat Muslim. Meskipun memiliki potensi besar, wakaf di Nigeria masih kurang dimanfaatkan akibat kurangnya kejelasan regulasi, rendahnya tingkat kesadaran masyarakat, serta dinamika sosial-politik yang kompleks. Penelitian ini memberikan analisis mendalam terhadap hukum wakaf yang berlaku di Nigeria, termasuk kekuatan dan kelemahannya, serta menyelidiki bagaimana reformasi regulasi dapat meningkatkan efektivitas wakaf dalam mengatasi tantangan sosial-ekonomi. Penelitian ini menggunakan pendekatan penelitian kualitatif, menggabungkan analisis hukum doktrinal dengan penelitian empiris untuk menyelidiki kerangka kerja wakaf di Nigeria dan perannya dalam pembangunan ekonomi. Hasil penelitian menunjukkan implikasi dari pengembangan kerangka hukum yang lebih baik bagi wakaf di Nigeria, peran wakaf dalam pengentasan kemiskinan, pendanaan pendidikan, pelayanan kesehatan, dan pembangunan infrastruktur, serta mengidentifikasi potensinya sebagai pelengkap layanan yang disediakan oleh negara. Rekomendasi penelitian ini meliputi pembentukan komisi wakaf khusus untuk menstandarkan regulasi, memastikan akuntabilitas, dan mendorong transparansi. Penelitian ini juga mendorong kemitraan antara lembaga pemerintah, institusi keagamaan, dan masyarakat sipil untuk meningkatkan kesadaran serta partisipasi publik dalam inisiatif wakaf. Dengan mengintegrasikan wakaf ke dalam kebijakan ekonomi dan pembangunan Nigeria secara lebih luas, penelitian ini menyimpulkan bahwa wakaf memiliki potensi untuk berperan transformatif dalam mencapai tujuan pembangunan berkelanjutan, mengurangi kesenjangan ekonomi, dan mendorong pembangunan berbasis komunitas. Temuan penelitian ini diharapkan menjadi dasar bagi para pembuat kebijakan, akademisi, dan praktisi yang tertarik untuk merevitalisasi wakaf dalam kerangka ekonomi kontemporer 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, 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- Aprijon Efendi Ardo, Adam Muhammad Ardo, Adam Muhammad Ardo Asy'arie, Bima Fandi Babangida, Bala Bahrun, Adriansah Bala, Babangida Bukido, Rosdalina Dalhatu, Rabi Shehu Darmanto Darmanto Edi Gunawan Edy Sutrisno Eliza, Mona Fajri, Mohammad Zen Nasrudin Fatum Abubakar Galadanci, Nafisa Kabir Hussaini, Hamza Abubakar Ibrahim, Aliyu Idriss, Ibrahim Dahiru Jika, Fadimatu Ahmed KAWAKIP, Akhmad Nurul Khatoon, Ghousia Khofifah, Nisa Nurramdhiani Lateef, Abiola Muideen Mashema, Bashir Liman Mikail, Usman Jibril Mohammed, Yakubu Zulaihat Mokodompis, Iin Indriani Muhammad Jajere, Bello Muhammad, Ibrahim Abubakar Muhammad, Yakubu Zulaihat Muhammad, Zuwaira Jibril Muhammed , Yakubu Zulaihat Muspika Hendri Nelly Marhayati, Nelly Nurdin, Zurifah Oktriawan, Wawan Pedju, Rizaldy Purnomo Riaz, Shehla Salisu, Muhammad Auwal Sani, Shafi’u Mahmud Selly Susanti, Septiani Shahbaz, Athar Shariff , Ikilima Abubakar Shariff, Ikilima Abubakar Siti Fatimah Subeitan, Syahrul Mubarak Sugitanata, Arif Suryani Suryani Tijjani, Abdulkareem Ahmad Toure, Youcha Alassane Wani, Athar Shahbaz Yakub, Abubakar Aliyu Yusuf Adamu, Rabi Zaki, Salisu Abba