التمويل الاجتماعي في ضوء الاقتصاد الإسلام ي نحو نموذج تنموي بديل لتحقيق العدالة الاقتصادية والاستقرار المجتمع ي

Social Finance in the Light of Islamic Economics: Towards an Alternative Development Model for Achieving Economic Justice and Social Stability

Abstract

This study explores the concept of social finance within the framework of Islamic economics, highlighting its Shariah foundations and developmental objectives, with a particular focus on its role in promoting economic justice and social solidarity. The research examines the main instruments of Islamic social finance – such as zakat, waqf, voluntary charity (sadaqah), and interest-free lending (qard hasan) – as effective mechanisms for wealth redistribution and reducing socioeconomic disparities. The research is driven by the central question: How can Islamic social finance tools be activated within a comprehensive developmental framework to foster justice and economic stability? To address this question, the study employs inductive, analytical, and comparative methodologies. The study aims to (1) establish a solid theoretical and Shariah foundation for Islamic social finance, (2) analyze its economic and social impacts, (3) evaluate its current implementation, and (4) propose an integrated model for institutional application. The findings suggest that institutionalizing

Islamic social finance could contribute significantly to building a more just and stable economic system.