ISLAMIC PHILANTHROPY 5.0: HARNESSING BIG DATA AND AI FOR ZAKAT, WAQF, AND INFAQ OPTIMIZATION
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Artificial Intelligence, Big Data, Islamic Philanthropy 5.0
Abstract
Islamic Philanthropy 5.0 represents a transformative phase in the evolution of Islamic social finance, merging traditional faith-based giving mechanisms zakat, waqf, and infaq with advanced technologies such as Big Data analytics and Artificial Intelligence (AI). This study explores how data-driven systems can optimize resource mobilization, distribution efficiency, and accountability within the ecosystem of Islamic philanthropy. Using a qualitative-descriptive approach combined with case analysis from digital zakat and waqf platforms, the research highlights the potential of predictive analytics for identifying beneficiary needs, AI-based transparency frameworks for trust enhancement, and algorithmic models for equitable fund allocation aligned with maq??id al-shar?‘ah. The findings reveal that integrating AI and Big Data not only modernizes operational mechanisms but also redefines ethical governance through real-time decision support, impact measurement, and donor engagement. However, challenges remain regarding data privacy, digital ethics, and the theological boundaries of automation in religious financial practices. This paper concludes that Islamic Philanthropy 5.0 offers a paradigm shift toward evidence-based compassion—linking spiritual intent with technological precision—to build an inclusive, transparent, and sustainable model of socio-economic empowerment.
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Copyright (c) 2026 Fattah Setiawan Santoso, Haruto Takahashi, Maria Clara Reyes
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