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SANZAF Integrated Report 2022

SANZAF Integrated Report 2022

SANZAF Integrated Report2022 MediaStatement

Women's Month Calendar

Women's Month Calendar

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SANZAF releases 2020/2021 Audited Financial Statements

SANZAF releases 2020/2021 Audited Financial Statements

The South African National Zakah Fund (SANZAF) is pleased to announce its audited financial results for the year ended 31 March 2022/ 28 Shaban 1443.

SANZAF’s National Chairperson, Fayruz Mohamed, commented on what was a strong performing year as the organisation moved to a rebuilding phase in the aftermath of the Covid-19 pandemic.

“We are pleased to report that during the financial year 2021/2022, SANZAF performed strongly amidst the uncertainty of the lingering effects of the COVID-19 pandemic, allowing us to deliver on our mandate as the longest serving Zakah management organisation in the country.  Grateful for a solid foundation built over many decades and the unwavering dedication of our team, we are able to move forward and make significant contributions to the lives we touch in our endeavours to uphold the 3rd pillar of Islam”, Mohamed said.

She also reflected on the organisation’s newly launched “BELIEVE” campaign and acknowledged the support of various stakeholders. “Significantly this past year, we presented a fitting proposition when we launched our BELIEVE campaign. Our many loyal contributors certainly brought to life the realisation that a strong belief can see us through the most difficult of times.  We thank all those who journeyed with us this past year as we reaffirm the belief that Allah SWT makes all things possible”.

SANZAF thanks its contributors for trusting the organisation with their different forms of giving, thereby allowing them to instil hope and make an impact in the lives of those battling the daily effects of poverty.

Some of the Key Points and Highlights of Activities are summarised as follows:

  • Food security and youth development remained two key focus areas for the organisation
  • Over 4000 students benefitted from SANZAF’s  Education, Empowerment and Development Programme which consists of bursaries, vocational training, early childhood development and mentorship initiatives at primary and secondary schools
  • Over R30 million was invested in education and development
  • Through large scale programmes in Ramadan, Winter and Qurbani, food relief of over R20 million reached many needy communities
  • Assisting families with welfare relief continue to be a critical service that the organisation provide
  • R36 million in welfare assistance was provided to over 30 000 beneficiaries
  • R122 million Zakah disbursed through structured projects and programmes
  • Close to R175 million distributed in total during the reporting period

View the latest SANZAF  Annual Audited Financial Statement for 2021/2022

SANZAF Boosts Zakah Advocacy in Ramadan

SANZAF Boosts Zakah Advocacy in Ramadan

See our Zakah Seminars and Webinar Dates and Times

Educating the public on Zakah remain one of our key responsibilities and focus areas. In this regard, SANZAF will continue to host various Zakah Advocacy initiatives in the month of Ramadan. Weekly Zakah seminars and webinars, Zakah shows on local radio, Q & A sessions on our social media platforms and the SANZAF MyZakah App, offer the public the opportunity to gain in-depth knowledge on the virtues and calculation of Zakah.

Our Zakah Seminars and Webinars will be as follows:







16 April 2022          


13:30 – 15:30                

Panorama Mosque [Women Only]                       


17 April 2022


11:00 – 13:00

Waterloo Road Masjid (Kenwyn Masjid)


23 April 2022


14:00 – 15:30     



24 April 2022


13:30 – 15:30     

Goodwood Masjid                                      

For more information contact us

SANZAF Durban Impact Report 2021

SANZAF Durban Impact Report 2021

Make an Impact and Get Your Tax Benefit

Make an Impact and Get Your Tax Benefit

What’s Going On?

The current financial year ends on 28 February 2022, which means tax payers only have a month to ensure they get a tax benefit from making a donation to an approved non-profit organisation.

How Do I Get a Tax Benefit from Making a Donation?

SANZAF is registered as a Section 18A Public Benefit Organisation (PBO number 930001714). As a result of this registration, SANZAF is authorized by SARS to issue its donors with a Section 18A tax certificate/receipt upon request. This will allow the donor to claim their donations as a tax deduction. In this way, as a donor, you are able to assist SANZAF help those displaced from their businesses and homes and also obtain a tax benefit in doing so. 

How does it work?

Donors can obtain a tax deduction (limited to 10% of their taxable income in a fiscal year) in respect of the total donations made to approved organisations such as SANZAF. In order to do so the donation has to be supported by a receipt from SANZAF.

As an example, if a donor earns R100 000 taxable income per annum and during that year had donated R10 000 to a PBO then the donor qualifies for a tax deduction of R10 000 from their total taxable income. This means that in this example, the donor would not have to pay tax on R100 000 (total taxable income for the year) but rather R90 000 (R100 000 – donation of R10 000) for that year.

What Do I Do?

  1. Make a contribution to one of our many projects or programmes which change lives locally.
  2. Then claim a Section 18A certificate by emailing This email address is being protected from spambots. You need JavaScript enabled to view it.or ticking the Section 18A box on our online donation form.
  3. One of our dedicated staff from the accounts department will be sure to send you your section 18A certificate.
  4. This can be used when filing your tax return to claim your deduction as a tax benefit

Remember only contributions made to local causes and projects qualify as a tax deduction, any gratuitous cash or in kind donation made to SANZAF for the undertaking of qualifying public benefit activities within South Africa can be claimed as an income tax deduction by the donor.  Donations to an organisation that uses the money for a cause outside of Africa do not qualify for a Section 18A certificate. Your contribution must have been made in the current financial year to qualify as a deduction on upcoming tax return.

What Does This Mean?

Not only are you able to assist SANZAF to #GiveHope but also claim a tax benefit for your contributions!


SANZAF part of launch of corporate governance code for Muslim NPO’s

SANZAF part of launch of corporate governance code for Muslim NPO’s

Launch of corporate governance code for Muslim NPO’s breaks new ground in South Africa
A ground-breaking Corporate Governance Code for Muslim NPOs was officially launched during a webinar held on the 31st October 2021.

Jointly sponsored by the Association of Muslim Accountants and Lawyers (AMAL), AWQAF SA, the South African Zakah Fund (SANZAF) and the United Ulema Council of South Africa (UUCSA), the aim was to launch a code that would enhance and empower local NPOs in terms of effective governance principles.

With representatives of the sponsors and experts in governance contributing to a lively panel discussion, Corporate Governance was defined in the Code as “the exercise of ethical and effective leadership by a governing body towards the achievement of an ethical culture, good performance, effective control and legitimacy”.

According to Zeinoul Abedien Cajee, CEO of AWQAF SA, lead organizer and sponsor of the code, the objective is to promote effective governance in Islamic NPO’s. This to ensure that our organisations be run in an exemplary fashion in accordance with the Shari’ah, the tenets of Sacred Law, and in compliance with the laws of the land.
The webinar suggested that the code be applicable to all Islamic NPO’s, but that it should be voluntary, and not mandatory.

This was because the practices recommended in the code might not be suitable, or an appropriate fit, for all organisations. Practices had to be adapted and scaled in accordance with the size, complexity and legal environment within which the organisation operated, as well as the organisation’s impact on society and the environment.

However, NPO’s should aspire to align their constitutions with the governance principles and practices described in the code.
The panel said that the benefits that would be derived from implementing good governance practices in an NPO would include the satisfaction of their Creator, added credibility, an enhanced reputation and more trusting stakeholders.
Other positive bonuses would be improved performance, effective service delivery and the achievement of set objectives. This would lead to an easier access for funding and grants, and would see loans granted on better terms. The win-win would be a far more ethical and accountable culture.

Suleman Badat, coordinator and champion of the Corporate Governance Code, said that the key aspects of successful governance was ethical and effective leadership – and that the over-riding principle of the right leadership doing the right thing in the right way, applied not only to Muslim NPO’s, but to all organisations.
The Corporate Governance Code may be downloaded from the Awqaf SA website at:

Webinar video:
Awqaf SA Website:

A perspective on gender inequality by our CEO Yasmina Francke

A perspective on gender inequality by our CEO Yasmina Francke

Gender inequality is still prevalent in many communities across the globe. Women and girls continue to share a disproportionate burden of poverty, hunger, inequality and violence, while gender imbalance persists within a vicious cycle of pain and indignity. Although several international laws have been passed and many policy measures have been adopted, gender equality remains one of the most pressing social, economic and political issues affecting modern society.


Identified by the United Nations as the Sustainable Development Goals (SDGs), women’s equality and empowerment are among the 17 SDGs that seek to end all  forms of discrimination against women and girls everywhere.  Gender equality encompasses women’s rights to access  economic resources, financial services, justice, ownership  and control over property, inheritance, natural resources, and  more importantly, to get equitable pay and representation at  the boardroom table. However, these goals would fail to reach any far without considering the complex and multifarious  nature of a gender-equal world. 

Professor Naila Kabeer from the London School of Economics  Department of Gender Studies defines women empowerment  as: “A process by which women gain the ability to make and  enact strategic life choices. Critically, women are the agents  of the change process”. Prof Kabeer contends that to be truly  empowered, women must have the rights and freedom to  make choices and decisions for themselves, their families,  communities and environment. 

Engaging women and girls in sustainable development  requires a change in attitudes and behaviours towards women  and girls. Societal changes are required to challenge deeply rooted norms and expectations about power and privilege,  and to create an enabling environment for gender-based  activism to find expression.


According to Leora Klapper, Lead Economist at the World  Bank and Founder of the Global Findex database, achieving  any UN SDGs – poverty eradication, gender equality and  quality education - begins with having a financially inclusive  world. 

Financial inclusion is a critical component of social inclusion  and represents a fundamental global development agenda.  In this regard, women’s access to financial services rightfully  ranks as one of the leading sustainable development targets,  forcing many countries, including Islamic countries, to adopt  financial inclusion strategies.

Islamic finance can contribute meaningfully to the global  reform agenda defined in SDG-5 concerning women  empowerment. By its inherent nature, Islamic finance  principles are rooted in social justice, inclusion, and sharing  of resources to achieve prosperity and social well-being for  all. The risk-sharing instruments of Islamic finance, such  as musharakah and murabaha, and its social redistributive  mechanisms like zakat, sadaqa and waqf, can undoubtedly  bring positive and sustainable changes. 

As Islamic banking and finance become increasingly  widespread in the Middle East, Southeast Asia and North  Africa, there are significant differences in financial inclusion  and integration of women across these countries. 

Whilst Malaysian and Indonesian women are making  significant strides in Islamic finance, women in the Middle East  have only started to see the tides changing. The situation in the  Northern regions of Africa, India, Pakistan and Bangladesh is  not different. It is clear that women’s access to Islamic finance  varies depending on geographic spread. Islamic finance’s  urbanisation also poses a challenge for its effectiveness as  a valuable tool to achieve the SDGs. Rural communities,  suffering significantly more from mainstream economic  exclusion and deprivation, are further denied the offering that  has the potential to take care of their needs. 

Whilst the growth in FinTech can serve as a bridge to  overcome this challenge, digital adoption across the globe  is still slow and has spurred only recently because of the  COVID-19 induced lockdown and social distancing. Digital  finance has the potential to transform the economic prospects  of women because of its ability to address a number of the daily restriction women from various backgrounds and  cultures face – the limitation on free movement, the demands  of family life and even resistance to engage face-to-face with  males in financial institutions. However, it is not without risks.  Hacking, identity theft and aggressive marketing are but  some of its ills. 

Along with the generally low public awareness levels on  financial and technological literacy, this consumer base’s  vulnerability is further compounded.


In September 2020, Reuters reported that women are sorely  underrepresented in financial services, focusing on the Gulf  Arab region. Some may challenge this point with the growing  list of women in senior positions ranging from CEOs of leading  banks to presidents of FinTech companies and chief advisers  to the Islamic banks. Change is undoubtedly on the horizon,  but there is caution against the achievement of quotas on  leadership boards and advisory councils, if it serves purely as  tokenism and a scorecard accelerator. 

In other research done by the Boston Consulting Group, it is  reported that women are generally offered ‘dumbed down’  products when, in reality, they want the same products as  offered to men. Women want their products and investment  options developed in a way that acknowledges their diversity  and reflects their values and preferences, such as higher  female life expectancy, interruptions in careers due to family  planning so on and so forth.


As long as financial services fail to embrace these differences  and do not strive to be truly inclusive and accessible, female  leadership participation will remain a lost opportunity, and the  industry will continue to under-serve women.


Islamic finance can be one of the most powerful, liberating  and enabling tools to drive women empowerment. At this  critical juncture when Islamic finance is coming into its own,  it must seek to balance supply-side factors with consideration  for the specific demand from its various stakeholders, with a  particular focus on the unique needs of women, from those  in rural communities to the one urbanised and to the ones  challenging the glass ceiling.

Differentiating its services with exclusive offers has already  attracted many women - both Muslim and non-Muslim - and is  setting Islamic finance apart to reflect the sensitivity towards  cultural and religious dynamics.

If Islamic finance continues on this trajectory, it will be well  placed to provide access to financial services to businesses  and communities in a sustainable way. Doing so will assist in  achieving SDG-5 and also many other SDGs where women,  in their role as mothers, teachers, caregivers and nurturers,  can play a pivotal role for sustainable development in the true  sense of the word.


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