http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/532 2026-04-20T23:07:25Z http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/32110 Faktor-Faktor yang Mempengaruhi Kepercayaan Masyarakat terhadap Institusi Zakat di Negeri Kedah: Kerangka Konseptual Muhammad Hilmi Che Halim; Yusuf Haji-Othman; Mohammadtahir Cheumar Zakat adalah salah satu instrumen kewangan dan sumber pembangunan ekonomi Islam. Dana zakat dapat membantu individu atau komuniti yang memerlukan. Oleh itu, tanggungjawab membayar zakat merupakan sebahagian daripada ibadah dan tugas bagi setiap orang Islam. Objektif dana Zakat adalah untuk mengurangkan kesenjangan ekonomi antara komuniti. Objektif ini dapat dicapai apabila kutipan zakat di institusi zakat mencapai tahap yang tinggi. Di Malaysia, dana zakat diuruskan oleh institusi zakat yang ditubuhkan di setiap negeri, di mana ada 14 institusi zakat. Menurut Perlembagaan Malaysia, Fasal 97 (3), pengurusan zakat di setiap negeri adalah di bawah bidang kuasa dan tanggungjawab negeri masing-masing (Perlembagaan Persekutuan, 2006). 2023-12-01T00:00:00Z http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/32109 Improving Indonesian Women's Abiliaty Avoid Loan Sharking for Small Micro Entrepreneurs in Micro Waqf Bank Muhamad Fauzi; Yusuf Bin Haji Othman; Mukhaer Pakkanna Fulfilling household needs for a woman is required to be able to obtain and manage halal sourced finances from a small and micro-entrepreneur. The trap of conventional and online loan sharks poses a significant risk to the borrower's assets due to the lack of business capital they have in the short term. This study aims to analyze micro waqf bank customers with small and micro-entrepreneurs to avoid entrapment by a loan shark. The study at the El-Manahij micro waqf bank, Lebak Regency, Banten Province, used qualitative descriptive types through data collection interviews with managers, supervisor and the head of Halmi group. In contrast, data analysis used triangulation, namely data reduction, data display, data verification and conclusion. Research shows that customers choose micro waqf banks to replace moneylenders providing their business capital and have regular activities in the form of weekly group meetings aimed at knowing business progress, religious studies and gradual loan repayments. Micro waqf bank managers receive pawned valuables with sharia contracts to increase business capital. The customers are responsible for repaying business loans in stages, running social gatherings for customers to obtain excess capital and supervising fellow customers. The research implication shows that getting away from the snares of loan sharks can minimize the burden on micro and small businesses where they live. The significant role of micro waqf banks in providing sharia pawn support is to increase business capital to limit dealing with loan sharks. 2023-12-01T00:00:00Z http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/32067 The Influence of Facilitating Condition and Perceived Usefulness on Intention to Use Mobile Applications in Uganda Namungo Hamzah; Yusuf Haji Othman; Mohammadtahir Cheumar Despite the fact that financial technology has received considerable attention in the macro-financial market sectors and in micro-financial units such as philanthropic works, in Uganda its actual use in Muslim Sacco's is very low. This research examines the effects of facilitating conditions and perceived usefulness on intention to use mobile application in Muslim Sacco's in Uganda. The underpinning theory of the study is the Technology Acceptance Model (TAM). This quantitative study examined the effect of facilitating condition and perceived usefulness on mobile applications users’ intention. The study employs SmartPLS to analyze the data from 229 respondents. It was discovered that the facilitating condition had a considerable positive impact on mobile applications users’ intention, hence, supporting H1. Simultaneously, perceived usefulness was revealed to have a considerable impact mobile applications users’ intention, supporting hypothesis H2. Such studies will form the groundwork for numerous inquiries to come purposely to expand the knowledge about the factors that influence technology usage in Uganda. 2023-01-01T00:00:00Z http://unisep.lib.unishams.edu.my/xmlui/handle/123456789/32032 Issues, Challenges, and Opportunities in Managing Zakat in Non-Muslim Countries: The Case Study of the United Kingdom Yusuf Haji-Othman; Mohd Sholeh Sheh Yusuff; Syed Iradat Abbas Zakat, an essential pillar of Islam, holds significance beyond Muslim-majority countries due to the presence of diverse Muslim populations in non-Muslim nations. This article focuses on managing Zakat in such contexts, with the United Kingdom serving as a case study. It examines legal frameworks, collection mechanisms, distribution channels, public perception, challenges, and opportunities related to Zakat. The study emphasizes the need for effective Zakat management aligned with local legal frameworks and cultural sensitivities. Legal challenges arise from harmonizing Zakat principles with complex financial regulations. Collection mechanisms face diversity within the Muslim population, while distribution channels aim for equitable fund allocation. Public perception, implementation challenges, and development opportunities are also addressed. The article provides insights for policymakers and practitioners seeking to enhance Zakat management in non-Muslim countries. 2023-10-06T00:00:00Z