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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%.
Waqf Institutions and Sustainable Development in Nigeria: An Analysis of Community Service Delivery Muhammad, Adamu Abubakar; Ardo, Adam Muhammad; Adam, Muhammad Bello; Aliyu, Shafa’at Ahmad; Muhammad, Zuwaira Jibril
DIKDIMAS : Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 3 (2024): DIKDIMAS : JURNAL PENGABDIAN KEPADA MASYARAKAT  VOL 3 NO 3 DECEMBER 2024
Publisher : Asosiasi Profesi Multimedia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58723/dikdimas.v3i3.352

Abstract

This study focuses on the contributions Waqf institutions make to community service delivery while critically examining their role in advancing sustainable development in Nigeria. In order to assess the impact of Waqf in sectors including education, healthcare, poverty reduction, and infrastructure development, the study uses both qualitative and quantitative data gathered through surveys, interviews, and document analysis. In order to highlight excellent practices and issues, case studies of prominent Waqf foundations in Nigeria are given, together with their accomplishments and shortcomings. The results show that although Waqf institutions have made important contributions to community service, issues including tax regulatory frameworks, low public awareness, and subpar management techniques have prevented them from reaching their full potential. The report emphasizes that in order to improve the operation of Waqf institutions, legal reforms, capacity training, and public-private collaborations are necessary. With a focus on its alignment with the Sustainable Development Goals (SDGs), the study ends by offering a roadmap for utilizing Waqf as a tool for sustainable development in Nigeria. There are suggestions on how civil society, religious institutions, and government agencies might work together to revive Waqf institutions for efficient community service delivery, which would eventually support social cohesion and national growth.
E-Economic Transactions among Muslim Women in Contemporary Northern Nigeria Muhammad, Adamu Abubakar; Aliyu, Shafa’atu Ahmad; Ardo, Adam Muhammad; Shariff , Ikilima Abubakar; Muhammed , Yakubu Zulaihat
Abdurrauf Law and Sharia Vol. 1 No. 2 (2024): Abdurrauf Law and Sharia
Publisher : Yayasan Abdurrauf Cendekia Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70742/arlash.v1i2.89

Abstract

The emergence of digital technology and e-commerce has provided uncountable access of wealth and novel economic prospects to women worldwide, particularly Muslim women residing in Northern Nigeria. This study investigates the ways in which Muslim women engage in e-commerce within an area that has historically been influenced by conventional conservative religious and cultural standards. Through an analysis of their participation in virtual enterprises, the research underscores the distinct socio-cultural and religious elements impacting their e-commerce endeavors. It also discusses the difficulties they have, like their lack of access to technology, low levels of digital literacy, and financial marginalization. The study uses secondary data from government papers, academic literature, and case studies as part of a qualitative research technique. Women who were involved in e-commerce were interviewed, and data from previous surveys was examined to offer insights into the trends of participation and the barriers faced. The results indicate that although e-commerce presents a great opportunity for economic empowerment, a number of obstacles prevent full engagement. These include the necessity for financial products that comply with Sharia law, societal expectations, and infrastructure constraints. The article ends with suggestions for boosting the participation of Muslim women in the digital economy, with an emphasis on advancing financial services that adhere to Sharia law, increasing digital literacy, and increasing access to technology. These tactics may encourage Muslim women to become more financially independent, which would boost the region's economy in Northern Nigeria.  Abstrak: Munculnya teknologi digital dan e-commerce telah memberikan akses kekayaan dan prospek ekonomi baru yang tak terhitung jumlahnya bagi perempuan di seluruh dunia, terutama perempuan Muslim yang tinggal di Nigeria Utara. Studi ini menyelidiki cara-cara di mana wanita Muslim terlibat dalam e-commerce dalam area yang secara historis dipengaruhi oleh standar agama dan budaya konservatif konvensional. Melalui analisis partisipasi mereka dalam perusahaan virtual, penelitian ini menggarisbawahi elemen sosial-budaya dan agama yang berbeda yang memengaruhi upaya e-commerce mereka. Ini juga membahas kesulitan yang mereka hadapi, seperti kurangnya akses ke teknologi, tingkat literasi digital yang rendah, dan marginalisasi keuangan. Studi ini menggunakan data sekunder dari makalah pemerintah, literatur akademik, dan studi kasus sebagai bagian dari teknik penelitian kualitatif. Wanita yang terlibat dalam e-commerce diwawancarai, dan data dari survei sebelumnya diperiksa untuk menawarkan wawasan tentang tren partisipasi dan hambatan yang dihadapi. Hasil penelitian menunjukkan bahwa meskipun e-commerce menghadirkan peluang besar untuk pemberdayaan ekonomi, sejumlah hambatan menghalangi keterlibatan penuh. Ini termasuk perlunya produk keuangan yang sesuai dengan hukum Syariah, harapan masyarakat, dan kendala infrastruktur. Artikel diakhiri dengan saran untuk meningkatkan partisipasi perempuan Muslim dalam ekonomi digital, dengan penekanan pada memajukan layanan keuangan yang menganut hukum Syariah, meningkatkan literasi digital, dan meningkatkan akses ke teknologi. Taktik ini dapat mendorong wanita Muslim untuk menjadi lebih mandiri secara finansial, yang akan meningkatkan ekonomi kawasan di Nigeria Utara. Kata Kunci: Transaksi E-Ekonomi; Wanita Muslim; Nigeria Utara
Restoring Humanity Through Environmental Ethics: A Moral Solution to Human Negligence Towards Nature Mohammed, Yakubu Zulaihat; Muhammad, Adamu Abubakar; Zaki, Salisu Abba; Abdullahi, Hashimu
Perwakilan: Journal of Good Governance, Diplomacy, Customary Institutionalization and Social Networks Vol. 3 No. 1 (2025)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.prwkl.2025.3.109

Abstract

Human greed, carelessness, and a lack of moral concern for other living things have undermined the vital connection that exists between humans and the environment. Pollution, deforestation, and careless garbage disposal are just a few examples of how far society has strayed from its moral obligation to protect the environment. The goal of this study is to investigate how moral and ethical principles can be applied to rectify environmentally harmful human attitudes. The study's primary goal is to advance environmental ethics as a means of resurrecting human empathy and accountability for all living things. Using a qualitative approach, books, journal articles, passages from the Qur'an, and prophetic traditions emphasizing moral behaviour and earth stewardship were reviewed. Results show that environmental degradation is not just a physical problem but also a moral one brought on by ignorance, greed, and a lack of empathy. According to the study, people are more inclined to preserve and defend the environment when they see it through the prism of humanity and divine trust. Therefore, the work suggests that public awareness campaigns be used to support the inclusion of environmental ethics in moral and religious education at all levels. It suggests that people, educators, and religious organizations collaborate to create a culture of environmental responsibility and compassion for all living things, concluding that true humanity is reflected in genuine care for the environment.
Exploring the Nexus between Islamic Household Management Principles and Home-Based Women Enterprises in Northern Nigeria Muhammad, Adamu Abubakar; Ardo, Adam Muhammad; Dalhatu, Rabi Shehu; Abdullahi, Hashimu; Zaki, Salisu Abba
Perwakilan: Journal of Good Governance, Diplomacy, Customary Institutionalization and Social Networks Vol. 3 No. 1 (2025)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.prwkl.2025.3.118

Abstract

This study looks into how women-led home-based businesses in Northern Nigeria operate in regard to Islamic household management concepts. In particular, it looks at how female entrepreneurs incorporate important Islamic principles like ?adl (justice), i?tid?l/?isr?f avoidance (moderation), and barakah (blessing) into their household and microbusiness management. In many Northern Nigerian villages, women are increasingly working in small-scale jobs including food processing, crafts, and tailoring to help support their families. While Islamic teachings provide a thorough framework for striking a balance between economic endeavours and household responsibilities, little empirical study has examined how women who own micro, small, and medium-sized enterprises (MSMEs) really implement these concepts in their dual roles. In Bauchi, Gombe, and Kaduna States, a purposive sample of twenty women running home-based MSMEs in a variety of trades participated in a qualitative multiple-case research. Semi-structured interviews, participant observation, and the examination of personal and professional documents were used to gather data. To find trends in the distribution of profits, time management, resource allocation, and social duties, thematic analysis was used. The results show that women entrepreneurs' daily choices are greatly influenced by Islamic values. Participants established shared-storage practices in line with Islamic moderation, prioritized halal sourcing, and reduced waste through group purchases. Maintaining balance between work, religion, and childcare was made easier by planning work schedules around daily prayers. With a methodical allocation to home needs, business reinvestment, zakat responsibilities, and voluntary charity, profit distribution techniques also mirrored Islamic standards of fairness. The study comes to the conclusion that Islamic household management concepts offer a useful moral and practical framework that improves the long-term viability of women-owned businesses. In Northern Nigeria, strengthening these practices through women-focused support programs, faith-based business training, and community microfinance can further foster local economic development and family resilience.
A Complementary Zakat–Waqf Integrated Model for Sustainable Economic Empowerment Programs Muhammad, Adamu Abubakar; Afifi, Abdullah A
AL-IMAM: Journal on Islamic Studies, Civilization and Learning Societies Vol 6 No 2 (2025)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.im.2025.6.126

Abstract

This paper develops a conceptual framework for integrating zakat and waqf as complementary instruments aimed at sustainable economic empowerment. The two main pillars of Islamic social finance, zakat and waqf, have historically and theologically pursued complementing social goals of the public interest (maslahah), social protection, and poverty alleviation. In many Muslim-majority nations, waqf (an endowment intended to produce enduring public benefit) and zakat (a redistributive, mandatory alms giving) have mainly functioned in separate institutional and legal frameworks while having a similar goal of improving human welfare and acts of worship. This paper aims to discuss the strategic integration of zakat and waqf, particularly in contemporary forms like cash waqf, zakat-funded waqf seed capital, and joint zakat-waqf impact programs, to significantly increase the resource base for programs aimed at sustainable economic empowerment, boost the effectiveness of attaining the Sustainable Development Goals (SDGs), and enhance governance and accountability in Islamic social finance. The paper presents an operational framework for integration, addresses governance safeguards and shariah considerations, and provides policy recommendations to practitioners, regulators, and donors using a systematic literature synthesis, comparative models, and illustrative case studies (Indonesia, Malaysia, Nigeria) and contemporary conceptual models. The study concludes that, despite operational, legal, and institutional obstacles, digitally enabled governance, standardized impact indicators, and hybrid public-private partnerships offer practical means to scale zakat-waqf integration for inclusive and sustainable development.
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