STRATEGIC VISION FOR ISLAMIC ECONOMIC RESILIENCE POST-PANDEMIC: LESSONS FROM GLOBAL CRISES AND SYARIAH PRINCIPLES
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Financial Resilience, Islamic Economics, Shariah Principles
Abstract
The unprecedented systemic disruptions caused by the COVID-19 pandemic have exposed the inherent vulnerabilities of conventional debt-based financial architectures. This research addresses the urgent need for a more stable economic framework by evaluating the strategic resilience of Islamic finance in the face of global shocks. The study aims to synthesize lessons from historical crises to formulate a post-pandemic vision grounded in Shariah principles of risk-sharing and asset-backed financing. Utilizing a multi-dimensional explanatory design, the methodology analyzed performance metrics from forty Islamic financial and social finance institutions across Southeast Asia and the Middle East from 2020 to 2025. Results indicate that Shariah-compliant institutions maintained significantly higher capital adequacy ratios and lower non-performing financing levels compared to conventional peers. Furthermore, the integration of digital Zakat and Waqf platforms provided a critical 35% surge in social liquidity for the micro-entrepreneurial sector. This research concludes that the structural prohibition of speculative leverage acts as a natural stabilizer, effectively mitigating systemic risk. The findings suggest that a strategic pivot toward digitalized Islamic social finance and risk-sharing contracts is essential for global economic sustainability. This study asserts that Shariah principles offer a robust, ethical blueprint for building resilient post-pandemic financial systems.
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Copyright (c) 2026 Helmi Ali, Mohammed Al-Harbi, Sara Al-Dhaheri, Daniel Wilson
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