What is it about?

The devastating impact of the Covid-19 has necessitated more than ever to address socio-economic issues facing the Muslim Ummah. This research is an attempt to address the Islamic social financing and charitable scheme prescribed by the religion in managing efficient zakat disbursement in Malaysia. We investigated the impact factors towards the use of mobile banking among the asnaf (poor and eligible recipients) for efficient zakat payments. This research is using the unified theory of acceptance and use of technology (UTAUT2) model. This study highlights factors that could influence the asnaf to adopt financial technology (fintech) in order for them to enjoy the benefit of efficient zakat distribution by the zakat institutions.

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Why is it important?

This research work is on facilitating Islamic social financing and efficient zakat distribution by using FinTech (Financial Technology) in Malaysia.


This research has a high impact for poor Muslims in Malaysia who survive through charitable act of fellow Muslims.

International Islamic University Malaysia

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This page is a summary of: Islamic social financing and efficient zakat distribution: impact of fintech adoption among the asnaf in Malaysia, Journal of Islamic Marketing, September 2022, Emerald, DOI: 10.1108/jima-04-2021-0102.
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