PHILANTHROPY 5.0: UTILIZING BIG DATA ANALYTICS AND AI TO OPTIMIZE ZAKAT DISTRIBUTION FOR MAXIMUM SOCIAL IMPACT
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Artificial Intelligence, Big Data Analytics, Philanthropy 5.0
Abstract
The rapid evolution of digital ecosystems has reshaped the landscape of Islamic philanthropy, compelling zakat institutions to adopt more data-driven and technology-enabled approaches. The emergence of Philanthropy 5.0 emphasizes the fusion of human-centered values with advanced technologies, positioning big data analytics and artificial intelligence (AI) as strategic tools for enhancing transparency, accuracy, and social impact in zakat distribution. The research addresses persistent challenges in manual or semi-digital zakat management systems, including fragmented beneficiary data, inefficient targeting mechanisms, and limited predictive capabilities for poverty alleviation. The study aims to examine how big data analytics and AI can be integrated into zakat governance to optimize distribution decisions and maximize measurable social outcomes. The objectives include mapping current digital capacities of zakat institutions, identifying machine-learning models suitable for beneficiary profiling, and evaluating the potential of predictive analytics in forecasting social impact indicators. A mixed-methods design is employed, combining qualitative interviews with zakat administrators and AI practitioners, and quantitative modelling using machine-learning classifiers applied to anonymized zakat recipient datasets. The research also incorporates system simulation to test allocation scenarios under AI-assisted decision models. The findings indicate that AI-driven profiling improves targeting accuracy by up to 35%, while predictive analytics significantly enhances the ability to assess long-term welfare outcomes. Zakat administrators report increased efficiency, reduced administrative burden, and higher confidence in decision-making. The study concludes that Philanthropy 5.0 offers a transformative pathway for Islamic social finance, where big data and AI synergistically elevate zakat distribution to be more proactive, transparent, and socially impactful. Strengthening digital infrastructure and ethical AI governance is essential to sustain this innovation.
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