منصات التمويل الإسلامي الذكية : أداة مستقبلية لتعزيز الشمول المالي في العالم الإسلامي

الملخص EN

The main objective of this study is to present a proposed model for an innovative technological financial tool called "Smart Islamic Finance Platform", which will contribute to enhancing financial inclusion in the Islamic world by offering low-cost official financial services with an easy-access mechanism for all segments of society.

The study is important for two main reasons.

The first is the importance of financial inclusion in improving the contribution of the local financial system to economic development.

The second is the idea that financing platforms, especially Islamic ones, can ‒ by promoting financial inclusion ‒ contribute to the modernization and development of the local financial system and thus promote economic and social development.

The study uses a normative economics methodology; starting with the presentation of some successful experiences in building Islamic finance platforms as criteria for constructing this study model.

Then we present the model of this study: "Smart Islamic Finance Platform" as a normative model for all Islamic countries.

The study concludes that financial inclusion is a necessary monetary-financial policy for the Islamic world.

The implementation of this policy requires the use of fintech and crowdfunding platforms, and the Sharīʿah classification of these tools needs to be determined.

This implementation could be done by adopting the "Smart Islamic Finance Platform" developed in this study.

It is a tool that is easily accessible by all segments of society (since it is an electronic platform that operates on all electronic devices), and less costly.

(It does not require huge structures or large humanity resource mobilization.)