The Role of Islamic Finance on Sustainable Development in Ghana

Yıl 2025, Sayı: 43, 86 - 109, 30.01.2025

Muniem Adam , Erhan Akkaş , Habtamu Legass

Öz

This paper examines the role of Islamic economics and finance principles and products in achieving Sustainable Development Goals (SDGs) in Ghana. To achieve the objectives, the study used descriptive study and qualitative methods of data analysis and to some extent used some data from sustainable development reports. The finding from the study shows that Islamic finance in Ghana is currently hindered by awareness barriers and regulatory challenges that result in restrictions on the contribution to SDGs. At the same time, the study revealed that through the application of the waqf model, Islamic finance is contributing a lot to the attainment of the SDGs in Ghana. The study recommends that expanding Islamic financial products, such as microfinance and socially responsible investments, will enhance financial inclusion and support entrepreneurship in Ghana (SDG 8). Public-private partnerships (PPPs) using sukuk can help fund large-scale infrastructure projects, contributing to sustainable cities (SDG 11) and climate action (SDG 13). By integrating Islamic finance into national policy, Ghana can foster a more inclusive, ethical, and resilient economy that aligns with global sustainability goals.

Anahtar Kelimeler

Sustainable Development Goals (SDGs), Islamic Finance, Ghana

GANA’DA SÜRDÜRÜLEBİLİR KALKINMADA İSLAMİ FİNANSIN ROLÜ

Öz

Bu makale, Gana'da Sürdürülebilir Kalkınma Hedeflerine ulaşmada İslam ekonomisi ve finansı ilkelerinin ve ürünlerinin rolünü incelemeyi amaçlamaktadır. Bu hedeflere ulaşmak için çalışma, betimleyici bir çalışma ve nitel veri analizi yöntemleri kullanmış ve sürdürülebilir kalkınma raporlarındaki bazı verilerden faydalanmıştır. Çalışmanın bulguları, Gana'daki İslami finansın şu anda farkındalık engelleri ve düzenleyici zorluklar nedeniyle sürdürülebilir kalkınma hedeflerine katkı sağlama konusunda kısıtlamalarla karşılaştığını göstermektedir. Aynı zamanda, çalışma, vakıf modelinin uygulanmasıyla İslami finansın, özellikle Gana'da Sürdürülebilir Kalkınma Hedeflerine ulaşılmasına önemli katkılar sağlayacağını iddia etmektedir. Çalışma, mikro kredi ve sosyal sorumluluk yatırımları gibi İslami finans ürünlerinin genişletilmesinin, Gana'da finansal kapsayıcılığı artıracağını ve girişimciliği destekleyeceğini (SKH 8) önermektedir. Sukuk kullanılarak yapılan kamu-özel sektör ortaklıklarının (PPP'ler), büyük ölçekli altyapı projelerinin finansmanına yardımcı olabileceğini, bu sayede sürdürülebilir şehirler (SKH 11) ve iklim eylemi (SKH 13) için katkı sağlayabileceğini belirtmektedir. Son olarak, bu çalışma İslami finansın ulusal politika ile entegrasyonu sayesinde Gana'nın küresel sürdürülebilirlik hedefleriyle uyumlu, daha kapsayıcı, etik ve dayanıklı bir ekonomi geliştirmesini sağlayabileceğini iddia etmektedir.

Anahtar Kelimeler

Sürdürülebilir Kalkınma Hedefleri (SKH), İslami Finans, Gana

Kaynakça

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