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Home / Insights

Featured Insights

Islamic Lifestyle

Ten Muslim-friendly airports in non-Muslim countries

04 Aug 2025
Insight

Halal Industry
Japan’s halal food market poised for growth amid rising Muslim demand
30 Jul 2025
Insight

Islamic Lifestyle
Modest fashion gains ground in Western academia
28 Jul 2025
Insight

Halal Industry
Feeding the future: How IFANCA's Halal Food Conference is shaping a more ethical, inclusive, and sustainable world
21 Jul 2025
Insight

Islamic Lifestyle
A modern revival of waqf for funeral support
14 Jul 2025
Insight

Halal Industry
Bridging Nutrition and Faith: Ensuring halal food access, one plate at a time
07 Jul 2025
Insight


All Other Insights
Islamic Lifestyle
Ten Muslim-friendly airports in non-Muslim countries

As the global travel landscape has evolved in recent years, especially post-pandemic, one segment that has emerged is that of the Muslim travel market. According to CrescentRating, in 2024,  Muslim international arrivals hit 176 million, surpassing pre-pandemic levels by 10%. By 2030, this number is expected to climb to 245 million, with spending forecast to reach $235 billion.  These figures underline the market’s economic potential and signal its growing clout in shaping travel trends. 



Catering to the rise of the Muslim travel market
There’s truth to the saying, “First impressions last”, especially when it comes to arriving in a new destination. While the Muslim travel market is incredibly diverse, a few universal needs consistently shape traveler preferences. Chief among them are access to halal-certified food, clearly designated prayer spaces with proper qibla direction and gender separation, and accessible ablution (wudu) facilities. When these essentials are available, Muslim travelers are far more likely to choose destinations that accommodate their faith-based requirements over those that do not. 

This has prompted a growing number of international airports in non-OIC (non-Muslim-majority) countries to invest in Muslim-friendly infrastructure.

According to CrescentRating, the key criteria used to assess Muslim-friendly airports include access to halal-certified food in both public and secure transit zones, dedicated prayer spaces with appropriate signage and qibla direction, gender-separated facilities, and accessible wudu stations nearby. Service quality, visibility of signage, and communication in multiple languages also factor into rankings.

This attention to detail reflects a commitment to inclusivity and serves as a competitive advantage. Airports that proactively meet the needs of Muslim travelers are more likely to be recommended, revisited, and featured in social media-driven decision-making. In many ways, airports have become quiet ambassadors of cultural respect, and those that get it right stand to benefit from the loyalty of a rapidly growing global segment.

The following airports have distinguished themselves for their thoughtful, inclusive amenities tailored to the needs of Muslim travelers.

While all operate in non-Muslim-majority countries, they’ve each invested substantially in prayer facilities, halal-certified dining, ablution areas, and inclusive services.

Here is a list of ten Muslim-friendly airports in no particular order. 

1. Suvarnabhumi International Airport – Bangkok, Thailand
One of Asia’s busiest airports, Suvarnabhumi, has gone to great lengths to accommodate Muslim passengers. It offers multiple dedicated prayer rooms located in both public and secure transit zones, with gender-separated sections and facilities for Jumu’ah (Friday) prayers. Ablution stations are integrated near the prayer areas. Halal-certified food, including Thai cuisine and international fast-food franchises, is widely available throughout the terminal.

2. Changi International Airport – Singapore
Often ranked the world’s best airport, Changi excels in faith-sensitive services. All terminals include multi-faith prayer rooms with male and female separation and proper wudu facilities. Halal dining options are available at certified retailers such as Burger King, Popeyes, McDonald’s, Delifrance, and Coffee Bean. Clear signage and high service standards make it one of the most accommodating airports globally.

3. O.R. Tambo International Airport – Johannesburg, South Africa
As South Africa’s main air hub, O.R. Tambo provides a dedicated Muslim prayer room with gender-separated areas near the basement parking area. Jumu’ah prayers are held weekly, and halal-certified food is available at the airport, including a Nando’s outlet in Terminal A.

4. Heathrow Airport – London, United Kingdom
Each of Heathrow’s terminals includes multi-faith prayer rooms open 24/7 and accommodating Friday prayers. While halal dining options are not as extensive as in other airports, they include AMT Coffee, Pret a Manger (select outlets), and snack shops like Bite. The airport’s clear signage and consistent access to prayer spaces make it a reliable choice for Muslim travelers transiting through the UK.

5. Bandaranaike International Airport – Colombo, Sri Lanka
Colombo’s main international airport includes a designated Muslim prayer room in the transit lounge, with gender-separated spaces. Though there are no specialized wudu stations, nearby restrooms include foot-washing facilities. While halal restaurants are limited, shops across the terminal offer packaged halal snacks and convenience foods.

6. Franz Josef Strauss Airport – Munich, Germany
Munich Airport has provided a dedicated Muslim prayer room since 2011, complete with Qurans, prayer mats, and qibla direction. Halal food options are accessible and marked in Terminals 2 and 3. The facilities cater well to the rising number of Muslim travelers in Germany and the EU, and the airport’s clean, quiet spaces offer a peaceful environment for religious observance.

7. John F. Kennedy International Airport – New York City, USA
JFK offers Muslim prayer rooms in Terminals 1 and 4 with gender-specific areas. While designated wudu facilities are lacking, adjacent restrooms suffice. During Ramadan, the airport provides dates and water for iftar and extends prayer room access to accommodate peak usage. Halal dining options are scattered but include some fast-food and café offerings.

8. Melbourne Airport – Australia
Melbourne Airport includes a well-signposted prayer room, separated by gender and equipped with adjacent washrooms featuring footrests for ablution. Halal food options, including international chains like Krispy Kreme and select local vendors, are available across Terminals 2 and 3.

9. Chek Lap Kok International Airport – Hong Kong
One of the busiest airports in East Asia, Hong Kong’s main airport includes two Muslim prayer rooms. While halal-certified restaurants are limited, Sky City Bistro near the terminal offers halal meals. Ablution can be performed in connected restrooms. 

10. Manchester Airport – United Kingdom
Manchester Airport features two multi-faith prayer rooms with full wudu facilities and 24-hour access. During Hajj season, it goes a step further, offering ihram changing areas and temporary prayer spaces to accommodate the influx of pilgrims. 

Inclusion is the new competitive advantage
In a travel landscape increasingly shaped by choice and personalization, inclusivity becomes a strategic asset, with benefits that go beyond mere optics. Airports that offer halal-certified dining, clean and accessible prayer rooms, and wudu facilities often become preferred transit hubs for Muslim travelers, translating positive experiences into long-term loyalty, stronger word-of-mouth, and increased likelihood of repeat visits. 

After all, in the age of social media and peer reviews, even small gestures, such as offering dates and water at iftar or marking qibla directions, can make a lasting impression that travelers pass on.

04 Aug 2025
Insight
Halal Industry
Japan’s halal food market poised for growth amid rising Muslim demand

 As Japan’s halal food sector enters a decisive stage, its growth is being fueled by growing demand from Muslim-majority countries and an anticipated influx of Muslim tourists for upcoming international events.
 
One major influence on the market is Indonesia’s halal product assurance law, which will soon require mandatory halal certification for all imported goods. 
 
“There are currently more than 1,000 halal-certified companies in Japan, primarily focused on exports,” says Hind Remon, chairperson of the Japan Halal Association (JHA). “While food remains a key category, demand is now expanding to include raw materials used in cosmetics, ahead of Indonesia’s planned implementation of the law for non-food items in October 2026.”
 
These materials now account for about 60–70% of Japan’s halal-certified exports, according to Remon.
 
Consumer-ready halal goods represent a smaller portion of the market, although exports of halal-certified Wagyu beef—especially to Malaysia and Indonesia—are on the rise.
 
“While exact certification numbers are difficult to obtain, Japanese export-oriented companies are increasingly seeking halal certification, especially in the food ingredient and cosmetics sectors,” says Shinya Yokoyama, co-founder of Food Diversity Inc., Japan’s leading halal food information provider.
 
Domestic demand remains low
 
At home, Japan’s halal market primarily serves the country's growing Muslim population and inbound Muslim tourists. According to Kyodo News, Japan’s Muslim population grew from 110,000 in 2010 to 350,000 at the start of 2024
 
In terms of inbound tourism, Malaysia and Indonesia constitute a combined 2.8% of Japan’s total inbound arrivals in 2024, with 506,883 and 517,651 visitors, respectively. Meanwhile, travelers from the Middle East represented just 0.5%, or roughly 166,259 visitors.
 
According to Yokoyama, knowledge of halal remains limited among local consumers, with most choosing restaurants based on taste rather than halal authenticity. 
 
Proliferation of halal dining hubs and initiatives
 
Over the past decade, halal-friendly restaurants have sprung up across Japan, though they remain heavily concentrated in large cities such as Tokyo, Kyoto, and Osaka.
 
Tokyo, in particular, has become a hotspot for halal dining—especially the Ueno district, known for its popular halal yakiniku (Japanese-style BBQ) restaurants.
 
Beyond urban centers, Hitoyoshi City in Kumamoto Prefecture has emerged as a halal destination. There, the hot spring inn Ayunosato has gained popularity among Muslim tourists for serving what Yokoyama describes as "the freshest halal beef in Japan,” while Ryokan Ayu no Sato, a riverside inn, has been offering halal-certified meals since 2019.
 
Another success story is Malaysian food services provider Brahim, which partnered with Japanese retailer Muji in 2020 to sell halal-certified ready meals across more than 400 outlets. Brahim has since opened four food outlets in Japan, the most recent launching in April 2025.
 
The Aichi Prefecture opportunity
 
With Aichi Prefecture and its capital, Nagoya set to co-host the 2026 Asian Games from September 19 to October 4, preparations are underway to welcome a surge of Muslim visitors.
 
However, the region still has only about 30 halal restaurants—woefully short of what’s needed to accommodate an estimated 15,000 athletes and staff, plus 1.5 million visitors. In comparison, Tokyo has 298 halal restaurants, according to Halal Gourmet Japan.
 
Certification remains a stumbling block
 
Despite the sector’s potential, growth continues to be hampered by the complexity of Japan’s halal certification system and lingering doubts about its credibility.
 
Many restaurant operators are unfamiliar with key halal practices, such as preventing cross-contamination and sourcing certified ingredients.  
The total number of halal certifiers in Japan remains unclear, and many do not publicly disclose the number of certificates they issue.

Compounding the issue is the role that some local mosques have taken in offering halal certification—often through informal procedures. “For example, some mosques can provide a halal certificate in just one day at a very low cost, whereas certification through JHA involves a lengthy process and detailed documentation,” Remon notes.

 
There are exceptions, such as Malaysia’s JAKIM, which does publish such data, often covering food ingredient or cosmetic raw material manufacturers targeting export markets. “The rise in overseas Japanese restaurants [in Muslim-majority countries] may be contributing to this trend,” says Yokoyama.
 
A vision for the future
 
According to Remon, JHA has been working to raise awareness of the halal industry’s potential within the government, and there are signs that this effort is gaining traction. 

However, there remains a critical need for solid data to accurately assess the size, scope, and opportunity within the halal sector.
 
“While we observe these trends through our daily activities, having accurate statistics is essential for broader understanding and informed policymaking,” she says.
 
She believes that there’s scope for Japan’s halal sector to grow,  particularly by leveraging the country’s strengths in food technology and high-quality agricultural products. However, for the industry to truly thrive, it must be developed as part of a comprehensive ecosystem involving researchers, marketers, government agencies, and other key stakeholders.
 
JHA’s long-term ambition goes beyond market development, envisioning a self-sustaining platform where halal certification serves as a generator of waqf. These funds could help finance Islamic schools, scholarships for future Japanese Imams and scholars, halal slaughterhouses, supermarkets, and other essential services.
 
“The goal is to build a self-sustaining ecosystem where Muslims in Japan can live with peace of mind and dignity,” Remon says.  

*This article was later edited for clarity.

30 Jul 2025
Insight
Islamic Lifestyle
Modest fashion gains ground in Western academia

Although it's been around for a long time, modest fashion has gained traction recently. What was once a niche style has become a booming fashion category as Western academics have started paying attention. According to a 2025 study, the demand for modest clothing has continued to grow despite the disruptions caused by the pandemic. Still, it's not yet a mainstream topic in academia. One article noted that only a few scholars have examined the new wave of modest-fashion entrepreneurs closely. That said, interest is growing, with more research papers, conferences, and even some degree programs starting to focus on the subject.


While Western universities have only recently warmed to modest fashion as a research topic, several peer-reviewed publications mark its emergence. For example, a 2024 study in the Journal of Innovation and Entrepreneurship profiles Muslim-American women who launched modest-fashion brands, highlighting how the global modest market grew rapidly in the 2010s and yet remained underserved by academia. Likewise, a 2025 Journal of Islamic Marketing paper analyzed big data on e-commerce modest clothing sales and found a resilient, price-sensitive consumer base with enduring demand for modest styles. Such studies demonstrate that mainstream academic journals are beginning to cover modest fashion as a legitimate business and consumer research topic.


Similarly, top researchers in the field have also produced important groundwork. This includes professor Reina Lewis from the London College of Fashion, who authored two influential books on Muslim fashion and modesty, "Muslim fashion: Contemporary style cultures" and "Modest fashion: Styling bodies, mediating faith." 


Interest in modest fashion in the West has been growing for a long time. Even as far back as 2011, an LCF-hosted symposium titled "Mediating modesty" brought together researchers from Europe and the US to discuss faith-based fashion and online modest-dressing practices. That trend continues to grow, as recently, the University of Copenhagen's Centre for Modern European Studies ran a 2022 workshop on "Modest fashion: An expression of contemporary Muslim women's lifestyles," noting how Islamic modest dress has shifted from niche to "large-scale global industry" and serves as an identity expression.

Dedicated courses on modest fashion are still rare, but a few institutions are beginning to weave the subject into mainstream fashion studies. One example is Toronto Metropolitan University (formerly Ryerson University) in Canada. The university's Centre for Fashion Diversity and Social Change hosted a master's research project titled "Women undercover," led by Romana Mirza. The project explored the intersectional identities of Muslim women through ethnographic wardrobe interviews and digital storytelling. It featured public lectures such as "Modest fashion – Tradition, innovation, subversion," showing how a public fashion school can meaningfully integrate modest fashion into research and student learning.


And while most fashion schools don't yet offer full programs dedicated to modest wear, many are beginning to engage with the topic through faculty research and special courses. For instance, the London College of Fashion (UAL) has modesty as part of its research agenda. Its AHRC-funded project "Modest fashion in UK women's working life" (in collaboration with Coventry University) explores how religious dress codes impact women in the workplace. Elsewhere, Johns Hopkins University's Life Design Lab has offered a student-led course on modest fashion marketing. At Parsons School of Design in New York and Paris, students have explored modesty within broader studies of identity and inclusivity.

Together, these efforts reflect growing academic interest in modest fashion, not only in faith-based institutions but also across leading Western universities. Parallel to Western scholarship, researchers in Muslim-majority countries are also advancing the field, especially in textile innovation. Indonesia and Middle Eastern countries have become hotbeds for modest-fashion R&D, often with government or industry support. For example, Indonesian companies have pioneered halal-certified textiles specifically for modest clothing. In 2021, PT MilangKori Persada's "KainHalal" brand became the world's first halal-certified textile manufacturer. They produced fabrics that meet Islamic standards by tracing supply chains and using a specialty cupro (Bemberg) fiber. These textiles are breathable, wrinkle-resistant, and quick-drying, ideal for hijabs and pilgrimage garments.

In the Middle East, academic institutions and industry labs drive innovation in sustainable textiles for modest wear. In Saudi Arabia, the Sustainable Materials Research Center, part of the KAUST initiative, is actively developing eco-friendly fabrics tailored for garments like abayas and thobes. This effort is part of a broader regional push toward circular fashion and environmentally conscious materials in traditional clothing.

As part of Vision 2030, Saudi designers increasingly use recycled plastics and natural dyes, while moving away from harmful chemicals in textile production. These developments show how advanced textile science reimagines modest garments, blending modern sustainability goals with cultural traditions.

While these are giant strides in and of themselves, the next critical leap lies in focused research and development for the modest fashion industry to truly thrive, especially across OIC markets. What's needed now is deeper investment in designing products that genuinely reflect modest consumers' needs, values, and preferences. That innovation must come from those who intimately understand the lifestyle, not just from trend-driven adaptations of mainstream fashion. As global interest grows, the opportunity for OIC players is clear: to lead with authenticity, insight, and technical excellence in shaping the future of modest fashion.

28 Jul 2025
Insight
Halal Industry
Feeding the future: How IFANCA's Halal Food Conference is shaping a more ethical, inclusive, and sustainable world

In an increasingly fractured global landscape, where conflict, climate change, and chronic illness are reshaping the way we live, one question has become impossible to ignore: What does it mean to eat well in the 21st century? For the Islamic Food and Nutrition Council of America (IFANCA), the answer is clear: halal is not simply about dietary restriction but about dignity, discipline, sustainability, and shared humanity.

These ethos and vision were front and centre at IFANCA's 22nd International Halal Food Conference, held from April 14–15, 2025, at the Hyatt Regency O'Hare in Chicago. Under the theme "Navigating change together: Connecting the global halal community," the gathering brought together scholars, regulators, scientists, and industry leaders from over ten countries. What unfolded was more than a technical exchange about certification standards; it was a call to reimagine the global food economy through an ethical lens grounded in faith, justice, and cooperation.

Summing up about the importance of the conference, Dr. Muhammad Munir Chaudry, President and CEO of IFANCA, noted, “This conference is not just a platform for dialogue but a collaborative engine to shape the future of the Halal industry. Our mission at IFANCA is to ensure Halal integrity while fostering global cooperation.”
 

Dr. Muhammad Munir Chaudry, IFANCA’s Founder and CEO, began the evening with a welcoming address at the IFANCA Banquet Dinner.


 From shared plates to shared purpose
 One of the most stirring moments of the conference   came during Shaykh Hamza Yusuf's keynote address,     which wove together prophetic teachings, personal   reflection, and global challenges. He began with a   reminder from the Prophet Muhammad (peace be upon   him) that encapsulated the theme of sharing: "The most   beloved dish to God is the one with the most hands in it"   (Sunan ibn Majah 3272). The act of eating, said Shaykh   Hamza, has always been a communal ritual in Islamic   culture that fosters mindfulness, humility, and presence.

 In modern life, however, food has lost much of its   meaning. With business lunches replacing shared   meals and eating on the go, in isolation or haste,   becoming the accepted norm, he said, humans faced a   growing disconnect between our consumption habits   and our spiritual, physical, and ecological well-being.   But it wasn't anything that couldn't be reversed simply   by holding onto our traditional Muslim practices. 

 From communal eating, the talk shifted naturally to the   ethics of consumption. Shaykh Hamza pointed to the   Qur'anic injunction, "Eat and drink, but not to excess" (Qur’an 7:31), as a timeless guide in an age of rampant overconsumption and chronic disease.

Citing the rise in obesity, diabetes, and inflammation-related illnesses, he emphasized that the crisis isn't simply about what we eat but how much and how mindlessly we consume. He praised Islamic practices like voluntary fasting, which were long recognized for promoting self-discipline and are now gaining traction in secular health circles through concepts like intermittent fasting.

"We know how much food the average person needs," he said. "But we lack self-restraint. That's a spiritual crisis, not just a dietary one."

The global halal economy: Ethical and expanding
That ethical framing echoed throughout the two-day conference. With delegates from Indonesia's BPJPH, Malaysia's JAKIM, Saudi Arabia's SFDA, Turkey's SMIIC, the UAE's Emirates International Accreditation Center (EIAC), Singapore's Majlis Ugama Islam Singapura (MUIS), Thailand’s CICOT, and others in attendance, the agenda covered everything from global standardization and laboratory testing to market development and food innovation. Speakers stressed the importance of science-based certification and global regulatory alignment to protect the integrity of halal systems in a rapidly evolving marketplace.

Keynote speaker Rafi-uddin Shikoh, CEO of DinarStandard, drove home the economic case: the halal market, representing 2 billion consumers and nearly 20% of global spending, is no longer niche. "If you haven't considered producing for these markets," he said, "then a large opportunity is missed." But more than numbers, Shikoh spoke of a broader shift, one where the halal ethical economy contributes to a new, multipolar world order grounded in values like transparency, sustainability, animal welfare, and fair trade.

Laura LaCourse, representing one of the clients, highlighted the importance of the gathering: “We truly value the partnership with IFANCA. We need these programs. It is hard to bring everyone from industry, dignitaries from all around the world, and the real community together—bringing this group together is important.”

The conference's Banquet & Awards Night on April 13, 2025, served as both a celebration and a symbol of this growing momentum. Honorees included Kerry (Company of the Year), Abbott (Nutritional Ingredients), McCormick (Flavors), Darigold (Dairy), and McCain (Retail Products), all recognized for their leadership in halal-certified innovation. The event, held in the Grand Ballroom of the Hyatt Regency, showcased not just the diversity of the halal food sector but the shared values that drive it.

The last session of the Conference gave industry professionals an opportunity to ask questions and engage in dialogue with the leading halal authorities from Malaysia, Singapore, Saudi Arabia, and Turkey.

Food, faith, and the fragile future
Shaykh Hamza's closing reflections circled back to food not just as fuel or commerce but as a symbol of what binds and breaks us as a species. He warned of the environmental costs of our current path: polluted soil, acidic oceans, and dying bees, creatures so vital to food systems that their collapse threatens global agriculture. "There's a chapter in the Qur'an called 'The Bees,'" he said. "That's not accidental. They are essential, and we are failing them."

He called for scientific focus to shift from warfare to food systems, for soil to be seen as sacred, and for the Earth to be treated not as a commodity, but as a trust from God. 

A movement rooted in meaning
As halal continues to mainstream global trade and public policy, IFANCA's role has never been more critical. With decades of experience and credibility across 70+ countries, the organization has become a linchpin for halal compliance in food and pharmaceuticals, cosmetics, and institutional food systems. Whether it's guiding public school districts like Chicago's or advancing food justice through programs like the Faith by Plate Act in Illinois, where IFANCA supported the Muslim Civic Coalition in moving the legislation forward, IFANCA is setting the gold standard for faith-based inclusion. 

“We are deeply committed to advancing food security and equitable access for children, schools, and underserved communities,” says Asma Ahad, Director of Halal Market Development at IFANCA. “Proper nutrition is what enables our future generations to thrive.”

At a time when food insecurity, environmental degradation, and social fragmentation dominate the headlines, the halal framework offers a refreshing, holistic approach. It isn't just about what's on your plate; it's about who you share it with, how it got there, and how you treat the Earth that produced it.

In the end, it was Shaykh Hamza who put it best: "Whoever wakes up healthy, safe, and with enough food for the day, it is as if they own the whole world."
 


This article is produced and sponsored by IFANCA.

21 Jul 2025
Insight
Islamic Lifestyle
A modern revival of waqf for funeral support

In 16th-century Cairo, waqf deeds quietly sustained entire communities. They paid for schools, hospitals, burial shrouds, soup kitchens, and inns for travelers.

A waqf, by definition, is an Islamic endowment locked in perpetuity for the public good. It wasn’t reserved for the wealthy. Middle-class families, artisans, and widows gave what they could to serve the living and the dead.

Today, that tradition feels like a thing of the past. But its spirit is deeply needed, perhaps now more so than ever, especially as many families struggle with the cost of dying.

In Egypt, families can spend over a month’s salary on burial expenses. In Jordan, funeral costs often exceed six weeks’ wages for the average household. In Morocco, the death of a family breadwinner can wipe out savings, forcing families to borrow or seek help.

The emotional weight of losing a loved one is heavy enough. But the added financial burden can turn grief into crisis.

This raises an important point: What if we cared for death like we once cared for life? Together.

A tradition that sustained communities
Waqf systems were more than charity. They were the building blocks of the community and its infrastructure.

In Ottoman Istanbul, waqf-funded kitchens fed thousands. In Mughal India, endowments supported schools, shelters, and funeral arrangements. Many included burial expenses, covering shrouds and services.

This reflected a core Islamic value. The janazah prayer is a fard kifayah, a communal obligation. If no one fulfills it, the whole community is accountable. Prophet Muhammad ﷺ encouraged easing each other’s burdens in times of illness, loss, and poverty.

But today, families live far apart. Support networks are usually non-existent or stretched past their breaking point. What was once instinctive must now be rebuilt with intent and new tools.

Where tech and tradition meet
Today, the idea of waqf is being quietly digitized. In Indonesia, platforms like Waqf World let users create micro-endowments online, pooling small contributions to support education, housing, and funeral care.

In Saudi Arabia, the General Authority for Awqaf has launched a national platform to set up and manage waqf contributions transparently.

These are small steps, but they show how Islamic economic values can evolve without losing their essence.

Still, funeral care is often missing from modern financial systems. Even where takaful exists, it doesn’t always reach lower-income or cross-border Muslim communities.

This is where mutual protection models are quietly gaining ground.

The role of tabarru’-based funds
A tabarru’ model is built on voluntary contributions. Members give to support one another, with no expectation of return. These pooled funds are used for agreed-upon purposes like funeral support, family relief, and debt clearance.

Islamic cooperatives already use this model in Malaysia and Indonesia. In Turkiye, blockchain tools are being explored to better track waqf and zakat flows.

Not all these systems are called waqf. But they carry its spirit, shared care, mutual support, and non-profit intent.

A quiet revival in motion
What’s needed isn’t just financial coverage. It’s a mindset shift. A way to re-normalize end-of-life planning, not out of personal fear, but as a communal responsibility, rooted in dignity and care.

The LifeDAO (TLD), for example, recently launched its Life Protection Benefit, a global mutual fund where members contribute to protect one another. If a member passes away, the fund supports their loved ones.

Built as a decentralized, member-governed system, the fund, while not a waqf in name, reflects the same principles.

It reminds us that care at the end of life doesn’t need to be commercialized. It can be collective.

Reclaiming what we never lost
Islamic finance is often defined by rules. But behind the rules is a spirit that encourages mercy, fairness, and communal care. Waqf is one of the clearest expressions of that spirit.

The challenge now is to make what once worked work again. That means building systems that are borderless but grounded, digital but human, accessible yet intentional.

It means creating spaces where the values of our traditions meet the realities of modern life.

At the end of the day, it’s not just about who pays for a funeral. It’s about who shows up when it matters most. And if our ancestors built entire systems of care, we can too.

Sharene Lee is chief operating officer & co-founder of Takadao

14 Jul 2025
Insight
Halal Industry
Bridging Nutrition and Faith: Ensuring halal food access, one plate at a time
In today’s age of bite-sized nuggets of information constantly overloading our senses, critical issues that deserve our immediate attention sometimes get swept away. One such pressing issue is that of food insecurity and global hunger.
07 Jul 2025
Insight
Islamic Finance
A Smart Solution for Market Stability: Why the Global Islamic Economy Needs a New Approach
The Challenge: Islamic Finance Lacks a Shariah-Compliant Market Stabilization System
06 Jul 2025
Insight
Islamic Lifestyle
How Saudi Arabia is turning religious tourism into a growth engine

Like millions of Muslims worldwide, when 72-year-old Ahmad traveled to Saudi Arabia to perform Hajj with his son and grandchildren, he was struck by how much had changed since his first pilgrimage in 1987.

Recalling his parents’ experiences, who had sailed from Pakistan and relied on acquaintances and makeshift shelters back in the 1960s, the change was even more startling.

From e-visa registrations to climate-controlled tents and real-time crowd monitoring, everything was more coordinated and streamlined as Saudi Arabia continues its attempt to strengthen its tourism sector, backed by the rising number of religious devotees.

Religious tourism as a core growth engine
When Saudi Arabia launched its Vision 2030 plan in 2016, tourism was positioned as a key pillar of economic diversification, with religious travel viewed as the kingdom's most scalable and dependable asset. Nearly a decade later, the results are surpassing initial benchmarks.

In 2024, over 18.5 million pilgrims visited the kingdom - 16.9 million for Umrah and 1.61 million for Hajj, according to data reported by Skift and the Ministry of Hajj and Umrah. The goal is to welcome 30 million Umrah pilgrims annually by 2030.

According to the kingdom's General Authority for Statistics (GASTAT), 1.67 million pilgrims performed Hajj in 2025, with the vast majority - 1.51 million people from 171 countries - arriving from abroad.

Breaking the numbers down further, in 2025, air travel dominated arrivals (1.58 million), while land and sea routes together accounted for 8%. 

The demographic split between men and women was almost down the middle, with 878,000 and 795,000, respectively. There were only 10% Saudi nationals for Hajj, which illustrates that the annual pilgrimage remains, first and foremost, a global gathering.  

While the total attendance dropped  8.5% from 1,833,164 pilgrims recorded in 2024, Hajj 2025 remained the world's largest coordinated religious convention. 

The other main pilgrimage is Umrah, which, unlike Hajj, operates year-round and continues to drive volume growth.

According to GASTAT and the Ministry of Hajj, 6.5 million international visitors performed Umrah in the first quarter of 2025 alone, an 11% jump on the previous year.

This was owed to an expanded e-visa scheme that now covers more than 60 countries and to an airline network rapidly stitching new routes across Asia and Africa.

Vital contribution 

Religious tourism contributes roughly $12 billion annually to Saudi Arabia's economy, making up nearly 20% of the non-oil economy and around 7% of the total GDP, according to Astrolabs Insights 2024. 

Spending data from Visa's Travel Pulse Index for Ramadan 2025 showed a 162% year-on-year surge in Makkah during the holy month, with food and beverage comprising 27% of transactions, followed by accommodation and transport.

In Madinah, spending rose 64% during the same period, with official data suggesting pilgrims typically spend between $1,300 - $4,000 per trip, depending on the package and duration. 

The sector also delivers employment opportunities. In 2023, religious tourism supported over 936,000 jobs, with projections rising to 1.6 million by 2030 as Umrah capacity and infrastructure grow.

Megaprojects building a pilgrim metropolis
Saudi Arabia's infrastructure investments under its Vision 2030 transformation agenda are reshaping the physical landscape of pilgrimage.

From hotel expansions to rail upgrades and enhanced airport capacity, these megaprojects are designed to scale the volume and quality of religious tourism.

In Makkah, the Masar Destination project on King Abdulaziz Road, is a $26.6 billion mixed-use corridor, which will host 24,000 hotel rooms and 13,000 residential units, accommodating up to 158,000 pilgrims annually.

The Rua Al Madinah redevelopment in Madinah reportedly spans 1.5 million square meters and will add 47,000 keys, host 149,000 visitors, and create 93,000 jobs across hospitality, transport, and retail.

Radisson Hotel Group also announced two new properties in Madinah with further expansion planned, citing the city's more stable, year-round demand. Wyndham Hotels & Resorts plans to open 100 Super 8 hotels by 2030, many in Makkah and Madinah's mid-market segment.

In addition to this, major upgrades in air and rail are also underway. For instance, the King Salman International Airport in Riyadh will feature six runways and handle up to 120 million passengers annually by 2030, with a capacity set to reach 185 million by 2050. 

The Haramain High-Speed Railway added two million seats in 2025, and transported nearly 70% of international Umrah pilgrims this year between Jeddah, Makkah, and Madinah in under 45 minutes. 

During Hajj, the Mashair Metro supported last-mile transport, moving up to 72,000 passengers per hour across key ritual sites, including Mina, Arafat, Muzdalifah, Jamarat, and the Grand Mosque.

Digital pilgrim and smart Hajj
Saudi Arabia's Smart Hajj initiative is transforming the pilgrimage experience through AI, mobile platforms, and real-time data systems.

At the center of this digital transformation is Nusuk, the official Hajj and Umrah "super-app," which offers e-visa processing, itinerary updates, cashless payments, and access to transport and emergency services.

As of early 2025, Nusuk had surpassed 12 million downloads and is now available in 14 languages. Pilgrims are also issued RFID-enabled smart cards that store personal, medical, and logistical data.

The Ministry of Interior deployed over 2,000 drones and smart surveillance cameras across the holy sites during this year's annual pilgrimage. These AI-powered systems feed into a central control room that uses satellite imagery and predictive analytics to detect and resolve crowd bottlenecks in real-time.

Transit systems have also been upgraded. The Mashair Metro now adjusts train dispatch frequencies based on crowd density. In 2025, train intervals were reduced by up to 60% during peak congestion to ease platform pressure.

Inclusivity is also improving. In 2024, the Ministry of Hajj and Umrah introduced VR orientation modules for elderly and first-time pilgrims. Offered in over 10 languages, the program helps users become familiar with the rituals before arrival.

From Hajj-only to Umrah plus
To extend stay durations and increase visitor spending, the Ministry of Tourism has launched a program encouraging pilgrims to combine religious rites with visits to destinations such as Jeddah's Al-Balad, Taif, or the Red Sea coast.

The initiative aims to boost the average length of stay from five to nine nights and lift per capita spending beyond $1,000 by integrating culture, heritage, and leisure with religion.

Meanwhile, Saudi Arabia's stopover program offers 96-hour transit visas with complimentary hotel stays, further supporting extended visits.

This approach helps reduce seasonality, distributing traffic beyond peak Hajj and Ramadan periods, and creates year-round demand for transportation, accommodation, and local services.

27 Jun 2025
Insight
Islamic Finance
Can blockchain redeem global finance?

It’s easy to say people have lost faith in the financial system. But what does that actually look like?

It looks like savings shrinking under inflation while banks post record profits. It looks like being denied a loan despite working two jobs. It’s paying years of insurance premiums, only to be told your claim doesn’t qualify when tragedy strikes.

In countries around the world, trust in financial institutions is eroding. A 2023 global survey by Edelman found that fewer than 50% of people trust banks to do what’s right and that figure drops even further among Gen Z and millennials.

These generations have watched bailouts flow to the powerful, while ordinary families are left with overdraft fees and frozen accounts. They’ve grown wary — not just of banks, but of systems that profit from complexity and exclusion.

But maybe the problem isn’t people. Maybe it’s the system itself.

When systems are built on asymmetry
Most financial structures were designed to be top-down. You deposit your money and trust that the institution will handle it ethically. But time and again, that trust has been tested and often broken.

And for Muslims, that breakdown goes deeper. Even in Muslim-majority countries, many financial offerings labeled ‘“Islamic’” still feel like conventional products wrapped in Shariah marketing.

According to a 2022 study by the International Shariah Research Academy (ISRA), over 70% of Islamic financial institutions engage in dual models that may not align fully with ethical or faith-based expectations.

What’s missing isn’t just trust. It’s transparency, participation, and real-world alignment. That’s where blockchain and more specifically, decentralized autonomous organizations (DAOs) present a potential shift.

Understanding blockchain and DAOs minus the hype
A blockchain is a digital ledger that records transactions publicly and immutably. Once data is added, it can’t be changed. Everyone can see what’s happening, but no one can alter it behind closed doors.

DAOs build on that infrastructure. A DAO isn’t a company or an app. It’s a collectively governed organization that runs on code, not executives. Rules are written into smart contracts that automatically execute decisions based on the consensus of its members. Voting is open. Funds are traceable. No individual holds the keys.

This model challenges the very foundation of how most financial systems work and offers a new blueprint.

When technology reflects timeless values
For Muslims, this isn’t a foreign idea. Shura (consultation), waqf (endowment), and the ummah (community) have long served as frameworks for mutual aid and collective governance.

In early Islamic history, financial structures weren’t built to extract profit from the many, they were designed to circulate wealth fairly, fund public good, and preserve human dignity.

The Bayt al-Mal (public treasury), managed with community oversight, distributed resources to widows, orphans, and the poor. Waqf systems funded schools and hospitals across the Muslim world for centuries.

DAOs don’t replicate these frameworks perfectly but they echo the same spirit. They offer a path forward that’s less about disruption and more about restoration.

Intentional innovation is what matters
Some critics dismiss blockchain as overhyped or too technical. Others fear it will replicate the very power imbalances it claims to dismantle. And they’re right to be cautious. Technology is neutral, it reflects the intent of the people using it.

When guided by ethics and inclusion, blockchain can become a powerful tool for rebuilding trust.

Consider The LifeDAO (TLD). It’s not the only example and it shouldn’t be the focal point but it does offer a working case. TLD operates as a DAO to provide financial protection without traditional insurance structures.

Members voluntarily contribute to a communal fund, and when one passes away, their nominee receives a direct payout, without gatekeeping, delays, or profit motives.

Everything from fund governance to decision-making happens transparently, guided by consultation (shura) rather than executive fiat. It’s a financial tool that feels more like a community than a corporation.

Elsewhere, DAOs are funding regenerative agriculture, supporting decentralized journalism, and offering peer-powered alternatives to health insurance. The point isn’t to romanticize the tech but to spotlight a growing movement of people using it to build systems that serve, not extract.

What stands in the way
Of course, this model isn’t without its challenges.

According to the World Economic Forum (2023), more than 60% of adults globally lack the digital skills needed to securely use blockchain tools. There are also legal gray areas: DAOs remain unregulated in many jurisdictions, making it harder to enforce agreements or protect contributors from fraud.

But these aren’t reasons to dismiss the model. They’re reminders that the work ahead is real and necessary. Building ethical alternatives takes more than smart contracts. It requires community trust, governance education, and a willingness to prioritize long-term resilience over short-term returns.

The real question isn’t “Can it work?”
It’s whether we have the courage to build financial systems that reflect the values we say we believe in.

If blockchain is just another way to hoard, hide, or hustle then we’ve learned nothing. But if it becomes a tool to redistribute trust, decentralize power, and amplify shared responsibility, then we may be witnessing not a technological revolution, but a moral one.

So the question isn't whether blockchain can redeem global finance.

It’s whether we’re ready to redeem it by showing up, shaping it, and making sure it doesn’t leave our communities behind.

Because in the end, faith in finance won’t be restored through slogans. It’ll be rebuilt through systems people can see, trust, and shape together — one block, one voice, and one shared decision at a time.

Sharene Lee is chief operating officer & co-founder of Takadao

17 Jun 2025
Insight
View all Insights

Reports
State of the Global Islamic Economy (SGIE) 2024/25 Report
07 Jul 2025

Global Islamic Fintech Report 2024/25
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The State of the Global Islamic Economy 2023/24 Report
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02 Jul 2025


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