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All Journal Journal of Islamic Economics and Finance Studies Journal of Islamic Economics Lariba Aktual : Jurnal Pengabdian Kepada Masyarakat Indonesian Journal of Banking and Financial Technology (FINTECH)
Yusuf, Jamiu Adeniyi
Unknown Affiliation
Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Public Health Social Sciences

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The Impact of Islamic Banking on Redistribution of Sustainable Income Yusuf, Jamiu Adeniyi; Mumini Oladapo, Rauf; Ismail, Ayuba Aderole; Tunde, Muhammed Azeem
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.9194

Abstract

Islamic banking operates within a framework guided by Shariah principles, emphasizing fairness, equity, and social justice. Unlike conventional banking systems that rely on interest-based transactions, Islamic banking prohibits riba (interest) and promotes profit-and-loss sharing. However, income inequality remains a persistent challenge in many Muslim-majority countries, raising questions about how Islamic banking can contribute to sustainable income redistribution. This study employs primary data collected from 400 respondents across four countries where Islamic banking operates: Saudi Arabia, Malaysia, Indonesia, and Nigeria, with 100 participants sampled per country. Data were gathered using structured interviews and analyzed using qualitative and quantitative approaches, supported by a review of literature and case studies. The findings reveal that Islamic banking significantly contributes to wealth redistribution and economic justice through instruments such as zakat, waqf (endowments), and profit-sharing models. The research concludes that Islamic banking is not only a viable alternative to conventional systems but also an essential mechanism for achieving sustainable income redistribution. These findings have significant implications for policymakers, financial institutions, and communities seeking to address income inequality and foster a more equitable economic system.
Strategic Innovation and Performance of FinTech Enterprises in Ondo State, Nigeria Oludoyi, Isaac Olakunle; Adesuyi, Isaac; Yusuf, Jamiu Adeniyi
Indonesian Journal of Banking and Financial Technology Vol. 2 No. 4 (2024): October 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fintech.v2i4.10984

Abstract

The study focused on strategic innovation (product innovation, technological innovation and marketing innovation) and performance (customer satisfaction, trust and customer retention) of Fintech enterprises in Ondo State, Nigeria. The study adopted the survey research design. The data was analysed using the Statistical Package for the Social Sciences (SPSS) and the result was presented in tables using frequency, percentages, mean and standard deviation (descriptive statistics). Multiple regression (inferential statistics). Findings from the study reveals that strategic innovation have a positive significant influence on customer satisfaction, customer trust and customer retention. Thus, the study concluded that strategic innovations are necessary for Fintech enterprises in Ondo State to optimize performance. The study recommends that Fintech enterprises should continually engage in strategic innovations to optimize performance.
Evaluating the Returns to Education and On-The-Job Training in Informal Sector Employment Yusuf, Jamiu Adeniyi; Ibrahim, Muinat Abiodun
Aktual: Jurnal Pengabdian Kepada Masyarakat Vol. 3 No. 3 (2025): Aktual: Jurnal Pengabdian Kepada Masyarakat September 2025
Publisher : CV Media Inti Teknologi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58723/aktual.v3i3.471

Abstract

Background of the Study: A significant section of the workforce in many developing nations is employed in the unorganized sector, which is frequently marked by volatility and lax regulation. Developing equitable and sustainable labor and development strategies requires an understanding of how education and vocational training affect job outcomes and wages in this sector.Aims and Scope of Paper: The purpose of this paper is to investigate the financial benefits that informal workers receive from education and on-the-job training. It also examines research trends, significant authors, and thematic areas of interest. Methods: A bibliometric analysis using VOSviewer was conducted to support a qualitative systematic review that was carried out utilizing the PRISMA 2020 methodology. This method made it possible to map academic papers quantitatively and include qualitative insights.Results: Although the effects of formal education and job-specific training vary by location, gender, and educational quality, they generally increase the salaries, employability, and job stability of informal workers. Bibliometric analysis shows uneven regional presence and growing research clusters.Conclusion: Programs for education and training that are targeted, equity-driven, and adapted for the informal sector are essential. Particularly in low- and middle-income nations, such programs can close the gap in human capital, raise individual incomes, strengthen labor resilience, and advance social justice and overall economic stability.
Convergence or Divergence: Comparative Analysis of Sustainable Development Goals (SDGs) and Islamic Economic Principle Yusuf, Jamiu Adeniyi; Araoye, Sikiru Okunlade; Ayuba , Ismail Aderole; Oladapo, Rauf Mumini; Tunde , Muhammed Azeem; Bolaji, Akinola Abdulbaaki
Journal of Islamic Economics and Finance Studies Vol 6 No 1 (2025): JIEFeS, June 2025
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v6i1.10373

Abstract

This study investigates the convergence and divergence between the Sustainable Development Goals (SDGs) and Islamic economic principles, with a focus on their shared priorities and areas of tension. The primary objective is to analyze how the ethical and operational frameworks of Islamic economics align with the global SDG agenda, particularly in the domains of poverty alleviation, environmental sustainability, and social justice. A case study methodology was employed, incorporating qualitative thematic analysis using NVivo software alongside theoretical comparative analysis to provide a comprehensive perspective. The findings reveal substantial alignment in ethical foundations, exemplified by the emphasis on equitable wealth distribution through instruments such as zakat and waqf, which correspond to SDG Goal 1 (No Poverty) and Goal 10 (Reduced Inequalities). However, notable divergences emerge, particularly regarding gender equality (Goal 5) and environmental governance frameworks (Goal 13). Key challenges identified include regulatory constraints, varying cultural interpretations, and a lack of empirical data on the impact of Islamic finance in advancing SDG targets. The study concludes that while Islamic economic principles offer significant potential for supporting SDG implementation, their scalability and effectiveness require strategic partnerships, contextual adaptation, and the development of robust data frameworks. Policy recommendations include fostering interfaith and policy dialogues, strengthening institutional capacities, and integrating Islamic financial instruments into national development strategies.
Islamic finance as a tool for achieving the Sustainable Development Goals (SDGs): Evidence from Nigeria Yusuf, Jamiu Adeniyi; Ayuba, Ismail Aderole; Muhammed, Azeem Tunde
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art30

Abstract

IntroductionNigeria continues to face persistent development challenges, including infrastructure deficits, widespread poverty, financial exclusion, and increasing vulnerability to climate change. Conventional development financing sources such as tax revenues, foreign direct investment, and official development assistance remain insufficient to bridge the substantial financing gap required to achieve the Sustainable Development Goals (SDGs). This has renewed interest in alternative, ethical, and inclusive financing frameworks.ObjectivesThis study examines the role of Islamic finance as a complementary development financing mechanism for advancing the SDGs in Nigeria. Specifically, it evaluates the effectiveness of sovereign Sukuk in infrastructure development (SDG 9), Islamic social finance instrument, Zakat and Waqf in poverty alleviation and social welfare (SDGs 1, 2, 3, and 6), Islamic microfinance in financial inclusion (SDG 8), and Green Sukuk in climate action and renewable energy financing (SDGs 7 and 13).MethodThe study adopts a qualitative and analytical approach, drawing on a systematic review of post-2021 academic literature, policy reports, and institutional data. Descriptive and comparative analyses are complemented by case-based evidence from Nigeria, which has emerged as a regional hub for Islamic financial innovation.ResultsFindings indicate that Islamic finance instruments demonstrate strong alignment with sustainable development objectives through asset-backed financing, risk-sharing, and redistributive mechanisms. Nigeria’s experience with sovereign Sukuk illustrates improved project accountability and infrastructure delivery, while Zakat and Waqf contribute to community-level service provision. However, the scalability of Islamic finance across SSA is constrained by regulatory fragmentation, liquidity management challenges, low public awareness, and limited standardisation.ImplicationsPolicymakers in Nigeria and Sub-Saharan Africa should strengthen regulatory frameworks, improve standardisation, and promote public awareness of Islamic finance instruments to enhance their scalability and effectiveness as complementary financing mechanisms for achieving sustainable development goals.Originality/NoveltyThis study contributes to the literature by providing an integrated, instrument-specific assessment of Islamic finance and SDG implementation in SSA, offering policy-relevant insights grounded in recent empirical evidence.
Co-Authors Adesuyi, Isaac Araoye, Sikiru Okunlade Ayuba , Ismail Aderole Ayuba, Ismail Aderole Bolaji, Akinola Abdulbaaki Ibrahim, Muinat Abiodun Ismail, Ayuba Aderole Muhammed, Azeem Tunde Mumini Oladapo, Rauf Oladapo, Rauf Mumini Oludoyi, Isaac Olakunle Tunde , Muhammed Azeem Tunde, Muhammed Azeem