Towards Integrating Social and Solidarity Economy Tools into Financial and Digital Policies in Morocco to Combat Poverty and Achieve Sustainable Development

This comparative study explores the integration of Islamic social and solidarity economy tools (Zakat, Awqaf, Qard Hassan) into Morocco's digital financial policy with the aim of reducing poverty rates and promoting sustainable development. The research adopts a mixed theoretical and applied approach, including:1. Documentary Analysis of Islamic texts and Moroccan legislation (Constitution, Finance Law, Tax Code, Laws on Cooperatives and Microfinance).2. Benchmark Comparison with models from Malaysia, Indonesia, and Kuwait, using legal, regulatory, administrative, and digital technology standards and their impact on poverty indicators.3. Descriptive Analysis of statistics (2014–2024), based on data from the High Commission for Planning, the Economic, Social and Environmental Council, to measure the evolution of poverty before and after the adoption of official Islamic experiences.4. Comparative Case Study of Islamic solidarity programs and their legislative and digital frameworks in model countries.5. Quantitative Evaluation of the project cost (~50 million MAD) versus high financial and social returns.Key Results:- Simulations show the possibility of reducing Morocco's absolute poverty rate from 3.9% in 2022 to 2.5% by 2028 (a 35% reduction over five years).- It is expected that the digital framework will increase digital collection by 30% by 2027 and raise the participation rate of taxpayers by 20% within two years.- The rate of transaction duplication will decrease to less than 5% using blockchain technology, enhancing transparency and accountability.- The financial aspect shows a potential increase in Zakat and Awqaf resources worth 500 million MAD annually, with an investment return rate exceeding 1000% after covering operational costs.This study is based on best international practices and recommendations from Moroccan official institutions, including the Economic, Social, and Environmental Council, the High Court of Auditors, the Digital Strategy, and provides a comprehensive practical framework combining clear legislation, centralized and regional administrative organization, unified technical infrastructure, and precise cost-benefit estimates to ensure a significant reduction in poverty and achieve sustainable development.