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All Journal Al-Manar : English and Arabic Journal An-Nida' JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia Suhuf Jurnal Ekonomi dan Bisnis Islam 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) Jurnal Al-Hakim : Jurnal Ilmiah Mahasiswa Studi Syariah, Hukum dan Filantropi Al Dzahab Kawanua International Journal of Multicultural Studies ITQAN: Journal of Islamic Economics, Management, and Finance Journal of English as a Foreign Language Teaching and Research (JEFLTR) Inclusive Society and Sustainability Studies (ISSUES) International Journal of Emerging Issues in Islamic Studies Dikdimas : Jurnal Pengabdian Kepada Masyarakat IJOEM: Indonesian Journal of Elearning and Multimedia Finger : Jurnal Ilmiah Teknologi Pendidikan 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 Jurnal Pendidikan Teknologi Informasi dan Komunikasi Constitution Journal Indonesian Journal for Islamic Studies Indonesian Journal of Pedagogy and Teacher Education Journal of Regional Development and Technology Initiatives 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
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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%.
The Role of Zakat and Waqf Institutions in addressing Sustainable Water Management and Security Challenges among the Organization of Islamic Cooperation Countries Muhammad, Adamu Abubakar; Ardo , Adam Muhammad; Aliyu, Shafa’at Ahmad; Tafida , Adama Lawal
Inclusive Society and Sustainability Studies Vol. 4 No. 2 (2024): December Volume
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/issues.v4i2.2967

Abstract

Significant issues with water management and security face the countries of the Organization of Islamic Cooperation (OIC); these challenges are worsened by pressures from economic expansion, population growth, and climate change. Islamic financial instruments such as Zakat and Waqf provide creative means of addressing these issues. This paper examines the possible effects of Zakat and Waqf on sustainable water management and security solutions in the Organization of Islamic Cooperation (OIC) countries, emphasizing their historical relevance, current uses, and potential future developments. A multidisciplinary method was used to conduct a thorough analysis, incorporating viewpoints from Islamic finance, environmental science, and public policy. A qualitative research method was used through literature review, and interview with about twelve (12) pertinent people from six (6) categories of people to gather data. The conclusions of this research imply that Zakat and Waqf have a great deal of potential to support OIC nations’ sustainable water management and security. The study concludes with actionable suggestions for governments, NGOs, policymakers, and community leaders with the goal of maximizing the application of Zakat and Waqf to resolve water-related issues. In order to accomplish sustainable development goals, this research emphasizes how crucial it is to include traditional Islamic financial tools into contemporary water management systems.
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.
The Role of Waqf in Promoting Family-Owned Businesses among Married Women in Northeastern Nigeria Muhammad, Adamu Abubakar; Ardo , Adam Muhammad; Aliyu , Shafa’at Ahmad; Tafida , Adama Lawal
International Journal of Emerging Issues in Islamic Studies Vol. 4 No. 2 (2024): December 2024
Publisher : Research Synergy Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31098/ijeiis.v4i2.2950

Abstract

This study investigates how waqf helps married women in northeastern Nigeria start family-owned enterprises. In the past, waqf, an Islamic charitable endowment, has supported underprivileged communities financially and with resources, acting as a mechanism for socioeconomic development. In this regard, waqf institutions can enable married women to start and maintain family-owned enterprises, tackling issues like restricted financial resources, socio-cultural constraints, and unstable economic conditions. By offering interest-free loans, training courses, and infrastructure assistance, waqf can encourage married women to start their own businesses, increasing their financial independence and boosting household income. The study uses qualitative research methodology, reviewing relevant literature on the subject matter and stakeholder interviews. Findings revealed that integrating waqf with family-owned business initiatives improves economic stability, reduces poverty levels, and strengthens family cohesion. Additionally, the study highlighted the need for strategic collaboration between waqf institutions, government bodies, and community organizations to optimize resource allocation and expand the impact of waqf on women's entrepreneurship. This research underscores the transformative potential of waqf in advancing gender-inclusive economic development in Northeastern Nigeria and provides recommendations for policymakers and waqf administrators to enhance the effectiveness of their programs.
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.
Co-Authors Abdul Latif Abdullahi, Hashimu Abdulsalam, Mikail Kolawole Abubakar Dutsin-Amare, ISA, Abubakar Hussaini, Hamza Adam Muhammad Ardo Adam, Muhammad Bello Adama Ahmad, Muhammad Hamma- Afifi Fauzi Abbas Afifi, Abdullah A Afthon Yazid Ahmad Barizi Ahmad Fanani Ahmad, Muhammad Gusau Ahmad, Muhammad Hamma Adama Ahmad, Muhammad Hamma-Adama Ahmed, Mahmood Alfiyah, Nur Aliyu , Shafa’at Ahmad Aliyu, Shafa'at Ahmad Aliyu, Shafa’atu Ahmad Aliyu, Shafa’at Ahmad Aliyu, Shafa’atu Ahmad Amare, ISA Abubakar Dutsin- Andik Purwanto Aprijon Efendi Ardo , Adam Muhammad Ardo, Adam Muhammad Ardo, Adam Muhammad Ardo Arincia, Meicella Rizky Asy'arie, Bima Fandi Audu, Mohammed Yunusa Bahrun, Adriansah Bala, Babangida Bilalu, Naskur Bintoro, Panji Bodi Gunawan Burhan, Putri Ajeng Dalhatu, Rabi Shehu Darmanto Darmanto Darmanto Dedy Hamdani Dita Septasari Dwi Feriyanto Dzulqarnain, Andi Edy Sutrisno Eliza, Mona Fajlurrahman, Muhammad Afif Haidar Fajri, Mohammad Zen Nasrudin Fandi Ahmad Ferly Ardhy Firdaus, Ahmad Zainul Haerunnisa Haerunnisa, Haerunnisa Hamzah, Namungo Hashimu, Mansir Hussaini, Hamza Abubakar Ibrahim, Aliyu Ibrahim, Gambo Rafindadi Idayat, Mohammed Afolabi Idriss, Ibrahim Dahiru Irwan Koto, Irwan Jajere , Bello Muhammad Jika, Fadimatu Ahmed KAWAKIP, Akhmad Nurul Kawu, Garba Sa'adu Khan, Huka Khan, Huma Khatoon, Ghousia Khofifah, Nisa Nurramdhiani Kurniawan, M. Rafli Lateef, Abiola Muideen Magaji, Abubakar Sadiq 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 Muhammed, Yakubu Zulaihat Muspika Hendri Nelly Marhayati, Nelly Nur Aminudin Nurdin, Zurifah Odeniyi, Ismail Kolawole Oktriawan, Wawan Ovosi, Bilkisu Mohammed Pedju, Rizaldy Purnomo Putri, Desy Hanisa Putri, Sylvia Ayu Amara Ratnasari Ratnasari Reza Fahmi Sai’d, Ibrahim Shuaibu Salisu, Muhammad Auwal Salma Salma Sani, Shafi’u Mahmud Selly Susanti, Septiani Shariff , Ikilima Abubakar Shariff, Ikilima Abubakar Siti Fatimah Subeitan, Syahrul Mubarak Sugitanata, Arif Supriyadi Supriyadi Suryani Suryani Tafida , Adama Lawal Tahta Herdian Andika Usmanto, Budi Wani, Athar Shahbaz Yakub, Abubakar Aliyu Yusuf Adamu, Rabi Zakariah, Asril Amirul Zaki, Salisu Abba