Factors that Encourage a Wife to Make a Hibah to Her Husband

Hibah is one of the contracts in Islamic financial dealings (Muamalah). In the context of marital relationships, hibah is typically given by the husband to the wife rather than the wife to the husband. However, hibah is not limited to this; it can serve as an important instrument to secure the interests of future generations. The responsibility for the household primarily lies with the husband, as he is the head of the family. The welfare, well-being during life and after death, as well as the overall interests of the household, also fall under the husband's responsibilities. Nevertheless, wives also share the responsibility of ensuring the family's welfare. Traditionally, hibah is more commonly initiated by husbands for their wives rather than vice versa. However, in recent times, the situation has shifted. With specific considerations, wives have begun to develop early awareness regarding hibah to secure the well-being of their husbands and families by implementing hibah takaful (Islamic insurance-based gifting). This research aims to identify the factors that drive wives to make hibah to their husbands. The study design uses a qualitative approach, employing interviews with respondents based on purposive sampling as the data collection method. The collected data are then analyzed using thematic analysis. The findings reveal that the primary reason for wives giving hibah to their husbands is concern for the husband's well-being and the continuity of life after the wife's death. It was found that intrinsic factors play a more dominant role compared to extrinsic factors in this practice. This indicates that each wife has a positive perception and makes thorough plans for the future of the family. Hence, recommendations for improvement include increasing public awareness, particularly among women, about hibah practices.