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All Journal FITRAH:Jurnal Kajian Ilmu-ilmu Keislaman Jurnal Al-Irsyad: Jurnal Bimbingan Konseling Islam TADBIR: Jurnal Manajemen Dakwah FDIK IAIN Padangsidimpuan Al Dzahab Al-'Aqdu: Journal of Islamic Economics Law Al-Imam : Journal on Islamic Studies, Civilization And Learning Societies 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 Law and Sharia Ahlika: Jurnal Hukum Keluarga dan Hukum Islam
Ardo, Adam Muhammad
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Religion 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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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 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.
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.
A Literature Review of Islamic Mediation (As-Sulh) As Mechanism for Settling Marital Dispute among Muslim Couples in Northeastern Nigeria Muhammad, Adamu Abubakar; Idriss, Ibrahim Dahiru; Ardo, Adam Muhammad; Mohammed, Yakubu Zulaihat
Jurnal Al-Irsyad: Jurnal Bimbingan Konseling Islam Vol 5, No 2 (2023): AL-IRSYAD: JURNAL BIMBINGAN KONSELING ISLAM
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/bki.v5i2.9634

Abstract

This research examines the effectiveness of Islamic mediation as-Sulh as a mechanism for settling marital disputes among Muslim couples in Northeastern Nigeria. Islamic mediation as-Sulh is a branch of Islamic law that arbitrates and settles disputes between parties without using a formal court process. In Muslim communities all around north-eastern Nigeria, an alternative dispute resolution (ADR) procedure is regarded as a peaceful and less expensive choice for resolving marital conflicts. This study employs a qualitative research methodology based on a review of the literature and interviews with professionals in Islamic law, mediation, and conflict resolution. The data gathered from the interviews is analyzed using content analysis methods. The findings of the study show that Islamic mediation as-Sulh is an effective mechanism for settling marital disputes among Muslim couples in Northeastern Nigeria. The study's findings imply that Muslim couples in Northeastern Nigeria should use Islamic mediation as-Sulh more frequently as a successful and culturally suitable method of resolving marital conflicts. The study also highlights the importance of further research on this topic in order to better understand the strengths and weaknesses of this form of Alternate Dispute Resolution.
Islamic Perspective on Women Empowerment: The Role of Tafarkin Tsira Islamic Center Azare, Bauchi State, Nigeria Muhammad, Adamu Abubakar; Ardo, Adam Muhammad; Idriss, Ibrahim Dahiru
Tadbir: Jurnal Manajemen Dakwah FDIK IAIN Padangsidimpuan Vol 6, No 1 (2024): TADBIR: JURNAL MANAJEMEN DAKWAH FDIK IAIN PADANGSIDIMPUAN
Publisher : FDIK IAIN Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/tadbir.v6i1.11071

Abstract

This study explores the Islamic perspective on women's empowerment and the critical role of Tafarkin Tsira Islamic Center Azare in promoting women's empowerment for a more inclusive and equitable society. This study adopts the literature study method with a systematic and comprehensive approach to literature analysis in the search, collection, and evaluation of literature sources relevant to the topic of study, as well as a semi-structured interview with pertinent people. The results of the study stated that Islam recognizes education and empowerment for both men and women as means of livelihood and religious practice. By providing equal access to Islamic, western, and vocational education, people can develop the necessary skills for knowledge sharing and business practice to play an active societal role. However, significant challenges need to be addressed, such as limited access to funds, gender bias within societies, social norms, and security challenges. The center is always trying to support the general community on such issues, especially gender equality and women's empowerment for the betterment of society. It is recommended that with the shared commitment of governments at all levels, educational institutions, community leaders, religious scholars, and families, women's empowerment can be a driven force that encourages women's participation in businesses, vocational pursuits, and creativity to create a more just, inclusive, and sustainable society, as well as strengthening the role of women in society and overcoming the barriers that prevent women from reaching their full potential and contribution to their quarter.
AI Integration in Nigeria’s Financial Sector: Challenges and Opportunities for Professional Development Muhammad, Adamu Abubakar; Ardo, Adam Muhammad; Aliyu, Shafa'at Ahmad; Muhammad, Ibrahim Abubakar; Jika, Fadimatu Ahmed
Journal of Regional Development and Technology Initiatives Vol. 3 No. 1 (2025)
Publisher : IDRIS Darulfunun Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58764/j.jrdti.2025.3.103

Abstract

Artificial Intelligence (AI) is transforming banking, accounting, auditing, risk management, and customer service operations. In Nigeria, the integration of AI into the financial sector presents both unprecedented opportunities and significant challenges. This study examines the implications of AI adoption for professional development among Nigerian finance practitioners. Based on the frameworks of technological diffusion and human capital development, the research investigates how AI-driven tools like machine learning, natural language processing, robotic process automation, and predictive analytics are influencing financial practices and the skills required of professionals. The study uses a mixed-methods approach, combining survey data from finance professionals in selected Nigerian banks and fintech firms with qualitative interviews with regulators, educators, and technology experts. In addition to highlighting important opportunities like increased productivity, fraud detection, financial inclusion, and better decision-making, the findings are anticipated to point out significant obstacles like job displacement, ethical dilemmas, regulatory gaps, and a lack of professional AI literacy. In order to create a workforce prepared for AI, the study emphasizes the necessity of ongoing professional development, curriculum change in finance and accounting education, and cooperative efforts between the government, business community, and professional associations. The study conclude that effective AI integration in Nigeria's financial sector depends not only on the availability of technology but also on giving finance professionals the knowledge, moral compass, and flexible abilities they need to prosper in the age of digital transformation.
Transforming Education for a Sustainable Future: A Religious Ethical Perspective Muhammad, Adamu Abubakar; Dalhatu, Rabi Shehu; Ardo, Adam Muhammad; Shariff, Ikilima Abubakar; Muhammad, Yakubu Zulaihat
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.2025.3.104

Abstract

Everyone agrees that education is essential to both personal advancement and society change. The objective of sustainable development is threatened in the twenty-first century by a number of interrelated issues that the world community must deal with, including inequality, ecological degradation, moral decay, and technological disruption. In order to create a sustainable future, this paper investigates how religion, as a source of ethical and spiritual knowledge, might revolutionize education. The study combines UNESCO's Education for Sustainable Development (ESD) goal with religious ethical frameworks using a qualitative and conceptual methodology. The results show that the moral underpinnings required to shift education towards sustainability are provided by faith-based values, such as stewardship, justice, compassion, and the pursuit of knowledge. The study focusses on case studies from indigenous, Christian, and Islamic traditions that effectively connect religious principles with social and environmental responsibility. In order to achieve the aims of global sustainability, it calls for greater cooperation between governments, faith-based organizations, and educators. It concludes that a spiritually orientated education fosters societal harmony and comprehensive human development.
Application of Islamic Teachings on Brotherhood to Ease Fuel Subsidy Removal Challenges Among Vulnerable Nigerians Muhammad, Adamu Abubakar; Idriss, Ibrahim Dahiru; Ardo, Adam Muhammad; Salisu, Muhammad Auwal
FITRAH: Jurnal Kajian Ilmu-ilmu Keislaman Vol 9, No 2 (2023): 11 Articles, Pages 201-414
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/fitrah.v9i2.9522

Abstract

This paper examines the application of Islamic teachings on brotherhood to ease fuel subsidy removal challenges among Nigerians. Drawing on Islamic texts and the existing literature on the role of brotherhood in alleviating socio-economic tensions, this research opens a new perspective for understanding how Islamic principles can be used to create a more just and equitable society. A qualitative research methodology was employed, and the data were gathered through a review of the related literature and a semi-structured interview with pertinent bodies, as well as content analysis for analyzing the data. The paper finds that, based on Islamic teachings, brotherhood is an essential element in cultivating a sense of solidarity and belonging amongst Nigerians. These feelings assist in lessening the effects of fuel subsidy removal and allow for a more comprehensive approach to tackling the resulting economic and socio-cultural challenges. Finally, the paper proposes a number of policy recommendations to utilize Islamic teachings of brotherhood to create a more equitable society in Nigeria
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
Co-Authors Abdullahi, Hashimu Adam, Maryam Adam, Muhammad Bello Aliyu, Shafa'at Ahmad Aliyu, Shafa’at Ahmad Aliyu, Shafa’atu Ahmad Babangida, Bala Bala, Babangida Dalhatu, Rabi Shehu Idriss, Ibrahim Dahiru Jika, Fadimatu Ahmed Khatoon, Ghousia Lateef, Abiola Muideen Mashema, Bashir Liman Mohammed, Yakubu Zulaihat Muhammad, Adamu Abubakar Muhammad, Anas Adam Muhammad, Ibrahim Abubakar Muhammad, Yakubu Zulaihat Muhammad, Zuwaira Jibril Muhammed , Yakubu Zulaihat Salisu, Muhammad Auwal Shahbaz, Athar Shariff , Ikilima Abubakar Shariff, Ikilima Abubakar Sugitanata, Arif Zaki, Salisu Abba