Empowering Women through Islamic Fintech: Bridging Gender Gaps in Financial Inclusion for Sustainable Development Goals

Abstract

This paper explores how Islamic fintech promotes women's financial inclusion, aligning with Sustainable Development Goal 5 (SDG 5) on gender equality, amid digital transformation, sustainable growth, and geopolitical uncertainties. Using a qualitative approach, it examines Shariah-compliant digital platforms like Sukuk, microfinance, and blockchain-based solutions in Organization of Islamic Cooperation (OIC) countries. The study highlights how these platforms empower women by providing ethical financial access, fostering entrepreneurship, and supporting sustainable development. Challenges such as digital literacy gaps, regulatory barriers, socio-cultural norms, and geopolitical risks are analyzed through case studies and expert interviews. Policy recommendations include digital training, regulatory harmonization, gender-diverse Shariah boards, and community engagement to enhance inclusion and resilience. The findings underscore Islamic fintech's transformative potential to advance gender equality and broader SDGs in volatile global contexts.