ZAKAT-WAQF-MICROFINANCE INTEGRATION AND FINANCIAL INCLUSION IN SUDAN: THEORETICAL FRAMEWORK, MODELS, AND POLICY IMPLICATIONS

Authors : Alhussain Awdalkrem

Pages : 60-74

Doi:10.54132/akaf.1802950

View : 119 | Download : 81

Publication Date : 2025-12-20

Article Type : Research Paper

Abstract :This article develops an integrated framework for advancing financial inclusion in Sudan through the coordinated use of zakat, waqf, and Islamic microfinance. Adopting a literature-review and policy-analytic approach, it first clarifies the theological and ethical foundations within Islamic economics, then maps the distinct functions of each instrument zakat for immediate stabilization, waqf for long-term asset formation and service provision, and Islamic microfinance for productive engagement. Building on international practice and Sudan’s institutional realities, the study proposes operational interfaces that sequence beneficiaries from relief to resilience and ultimately to self-reliance, thereby minimizing fragmentation and improving system-level outcomes. The analysis translates this design into actionable policy implications across legal harmonization, institutional coordination, proportionate regulation, digital delivery, multi-stakeholder partnerships, human capital, and risk governance, and it outlines a phased roadmap to support piloting, evaluation, and scale-up. While acknowledging the implementation constraints created by the ongoing conflict and institutional fragility, the article argues that integration grounded in Islamic values offers locally legitimate and ethically robust pathways for recovery and inclusive growth. The Sudanese case, in turn, demonstrates how Islamic social finance can be configured as a practical development architecture for other Muslim-majority contexts facing similar governance and capacity challenges.
Keywords : Sudan, İslami sosyal finans, zekât, İslami mikrofinans, finansal kapsayıcılık, yoksullukla mücadele, yönetişim, politika entegrasyonu.

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