Zakat & Sadaqa Trust Fund of Ghana

What Zakat & Sadaqa Trust Fund of Ghana does

Zakat & Sadaqa Trust Fund of Ghana is a non-profit charitable trust established in 2010 as an initiative of the Muslim Caucus and Staff of Parliament of Ghana, in collaboration with the National Chief Imam of Ghana and the National Imams of various Islamic sects. The organization collects Zakat (the mandatory 2.5% almsgiving on wealth above the Nisab threshold), Sadaqa (voluntary charity), WAQF (endowment contributions), and general donations from Muslim individuals and institutions, and redistributes these funds to vulnerable populations across Ghana through educational scholarships, healthcare assistance, economic empowerment, vocational training, and Ramadan food distribution.

The Fund operates a web-based donation platform integrated with MTN Mobile Money, Vodafone Cash, USSD code *789*2#, bank transfers, and payroll deductions for government and private-sector employees who register as subscribers. Headquartered at the National Mosque Complex in Kanda, Accra, the organization maintains four regional offices (Accra headquarters, Takoradi, Tamale, and Kumasi — the last launched in March 2022) and asserts operational reach across all 16 administrative regions of Ghana. Core programs include Educational Support (which absorbs 70% of annual collections), Technical and Vocational Training, Continuous Medical Support delivered in partnership with Korle-bu Teaching Hospital and 37 Military Hospital, Economic Empowerment for widows and people with disabilities, and seasonal Ramadan Activities targeting 100,000+ food boxes.

The organization operates with approximately 11 staff, is governed by a 9-member Board of Trustees chaired by former Stanbic Bank CEO Chief Alhassan Andani, and is managed by an executive team led by CEO Hajj B.M. Adam (appointed January 2024). It is a member of the World Zakat Forum — a 21-country network of Zakat institutions — and runs an international scholarship pipeline through Albukhary International University, where five sponsored students graduated in December 2024. Outreach channels span mosques, religious institutions, state agencies (Prisons Service, Fire Service, Police DOVVSU), and educational bodies (GMSA, Islamic Education Unit), with marketing primarily community-led through Ramadan campaigns and digital channels.

Name

Zakat & Sadaqa Trust Fund of Ghana

Legal name

Zakat & Sadaqa Trust Fund Of Ghana

Website

https://zakatfund.org.gh

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Founded in 2010, the Zakat & Sadaqa Trust Fund of Ghana is a non-profit that collects Islamic Zakat, Sadaqa, and donations from Ghanaian Muslims, redistributing them through education scholarships, medical aid, vocational training, and Ramadan food support across 16 regions.

Ownership category

akta.pro rank

Product category

Islamic Charitable Fund

NAICS

Grantmaking and Giving Services (81321), Voluntary Health Organizations (813212), Grantmaking and Giving Services (8132)

SIC

Services-Social Services (8300), Finance Services (6199)

akta.pro primary industry

Philanthropic & Charitable Trust Services (FSAAANAI)

akta.pro secondary industries

Grantmaking & Philanthropic Funds (Institutional Donors) (BPADAOAB), Social Justice & Human Rights Grantmaking Foundations (BPAGAKAN), Need-Based Grants & Bursaries (EDAIAOAB), Community Health & Prevention Program Funding (HLAJALAF)

Keywords

• Islamic charitable fund
• Zakat collection services
• Muslim welfare programs
• Educational scholarships
• Community charity platform

Headquarters

HQ city

Accra

HQ country

Ghana

HQ region

Africa

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure, Others

Revenue model

1. Zakat Collection: Mandatory Islamic almsgiving (2.5% annual rate on wealth above Nisab threshold) collected from Muslim employees in public and private sectors through payroll deductions, standing orders, and direct payments. The fund allocates 70% of annual collection for education-related sponsorship.
2. Sadaqa (Voluntary Charity): Voluntary charitable donations from individuals and organizations with no specific rate or amount requirement
3. WAQF (Endowment): Islamic endowment contributions for long-term sustainable funding
4. General Donations: One-time and recurring donations from individuals, corporate organizations, and philanthropists for specific projects and general operations

Go-to-market motion2 records

Distribution channels6 records

Marketing channels7 records

Core offering

Zakat & Sadaqa Trust Fund of Ghana is a nonprofit charitable organization that collects Zakat (obligatory 2.5% annual almsgiving on wealth above Nisab threshold), Sadaqa (voluntary charity), and WAQF (endowment) contributions from Muslim individuals and organizations in Ghana. The fund disburses collected proceeds through welfare programs including educational scholarships, medical bill assistance, economic empowerment for widows and youth, vocational skills training, and Ramadan food box distributions, allocating 70% of annual collections to education.

Product overview

Zakat & Sadaqa Trust Fund of Ghana operates as a unified charitable platform offering Zakat collection and disbursement services alongside multiple welfare programs. The core offering is the Zakat Collection and Disbursement Platform, which enables Muslims to fulfill their obligatory Zakat duty through various payment channels including mobile money, bank transfers, and USSD codes. The platform integrates with complementary welfare services including Educational Support (scholarships and financial aid for students), Technical and Vocational Training, Continuous Medical Support, Economic Empowerment for widows and youth, and seasonal Ramadan Activities including food box distribution. The organization allocates 70% of annual Zakat collections to education, with the remainder supporting healthcare, economic empowerment, and general charitable causes. Donors can contribute through the general donation channel or specifically to WAQF (endowment) funds.

Differentiator

Problem solved

Functional benefit

Products and services

• Educational Support Scholarship and financial assistance program for Muslim students at secondary and tertiary levels, offering scholarships for new tertiary admissions and support for continuing financially distressed students. The fund allocates 70% of annual collections to this program.
• Technical and Vocational Training Livelihood empowerment scheme providing technical and vocational skills training to deprived youth, widows, and people with disabilities to enable financial independence.
• Continuous Medical Support Healthcare financial assistance program collaborating with Social Welfare Departments of healthcare providers including Korle-bu Teaching Hospital and 37 Military Hospital to support poor patients with medical bills.
• Economic Empowerment Livelihood empowerment scheme providing startup capital to needy widows, youth, and people with disabilities to venture into viable economic activities and achieve financial independence.
• Ramadan Activities Annual Ramadan outreach programs including food box distribution, Iftar campaign support, and feeding programs for vulnerable families during the holy month, targeting 100,000+ households across Ghana's 16 regions.
• Zakat Collection and Disbursement Platform Digital platform enabling Muslims in Ghana to pay Zakat, Sadaqa, and WAQF contributions through mobile money (MTN, Vodafone), bank transfers, USSD codes (*789*2#), and registered member subscriptions, with transparent disbursement to eligible recipients.
• General Donation Program Acceptance of general charitable donations and WAQF (endowment) contributions from individuals, corporate organizations, and philanthropists for distribution to orphans and other needy beneficiaries.

Quantifiable outcome

• 10 completed projects, 78 upcoming projects, 3,011 lives impacted
• +3 more outcomes

Named customers8 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Nine partnerships are on record, tiered minor and core.

• Ghana Prisons Service (Multiple Regions)minorChannel Partner/ Reseller/ Distributor · 11 September 2024CEO outreach engagements with Sunyani Prisons (Bono Region), Cape Coast Prisons (Central Region), and Tamale Central Prison (Northern Region). Muslim prison staff engaged to join as subscribers to the Fund.
• Ghana Muslim Students Association (GMSA) NationalcoreStrategic or Co-development Partner · 24 January 2024Meeting held at Zakat Fund headquarters in Accra Newtown to discuss strengthening partnership. GMSA has 2 plots of land at Accra Technical University registered in their name. Organizations discussed activating National Board of Patrons, organizing public lectures, and drafting fundraising strategy.
• National Muslim Conference of Ghana (NMC)coreStrategic or Co-development Partner · 21 January 2024CEO Hajj B.M. Adams and Deputy CEO Dr. Shaibu were sworn in as members of the NMC Management Board. The Zakat Fund engages in collaborative outreach programs with NMC's Western Regional Steering Committee, including engagements with prisons service and Sekondi-Takoradi Metropolitan Assembly.
• Ghana National Fire Service - TamaleminorChannel Partner/ Reseller/ Distributor · 1 January 2024Successful engagement with Muslim staff of Ghana National Fire Service in Tamale to onboard them as subscribers to the Fund.
• World Zakat Forum (WZF)coreStrategic or Co-development Partner · 1 January 2010The Zakat and Sadaqa Trust Fund is a proud member of the World Zakat Forum, established in 2010. WZF connects and synergizes global Zakat stakeholders including regulators, practitioners, researchers, and academics. Currently comprises 21 member countries of both Islamic and Muslim minority countries. The Fund attended the WZF first annual conference in Malaysia Malacca on December 5, 2018.
• Korle-bu Teaching HospitalminorStrategic or Co-development PartnerCollaboration with Social Welfare Department of Korle-bu for recommending patients for medical support. The hospital refers financially needy patients to the Fund for assistance.
• 37 Military HospitalminorStrategic or Co-development PartnerPartnership with Social Welfare Department of 37 Military Hospital for recommending patients for medical support. The hospital refers financially needy patients to the Fund for assistance.
• Albukhary International UniversitycoreStrategic or Co-development PartnerScholarship partnership for international students. 5 students under scholarship graduated on December 11, 2024. The university provides tertiary education opportunities for beneficiaries supported by the Fund.
• Islamic Education UnitcoreStrategic or Co-development PartnerSuccessful engagement program with entire Regional Managers and General Manager of the Islamic Education Unit at the Head Office. Islamic Education Unit listed as one of the major active contributor categories with 36 registered contributors.

Scale indicators7 records

Recent moves7 records

Expansion highlights7 records

Broad incumbents

• Islamic Relief Worldwide: One of the largest international Islamic humanitarian organizations operating in 40+ countries. Overlaps with the subject on faith-based giving, education, and emergency relief, but operates at vastly larger scale and broader geographic scope.
• Muslim Aid: International Muslim charity working on poverty alleviation, education, and emergency relief. Comparable faith-based philanthropy model and similar beneficiary focus, but operates across multiple countries with broader scope.
• Muslim Hands: UK-based international Muslim charity focused on Zakat, Sadaqa, and emergency relief across 50+ countries. Comparable Islamic philanthropy model with overlapping beneficiary categories including education, healthcare, and livelihoods.
• Penny Appeal: International Islamic-inspired charity with programs in education, healthcare, and emergency relief across multiple regions. Comparable mission and donor base, but broader geographic footprint and more developed digital fundraising capabilities.

Regional players

• National Muslim Conference of Ghana (NMC): Umbrella body for Muslim organizations in Ghana, with which the subject has formal management board ties. Operates in the same Ghanaian Muslim community space and shares overlapping stakeholder networks.
• Mujahid Trust Foundation Ghana: Ghana-based Islamic charitable foundation providing welfare support and educational assistance to the Muslim community. Regional peer operating in the same Ghanaian market with similar beneficiary focus.
• Ghana Muslim Students Association (GMSA): Ghanaian Muslim student organization with formal partnership with the subject. Operates in the same educational support vertical for Muslim students in Ghana and shares contributor and beneficiary networks.

Direct peers

• Zakat Foundation of America: US-based Zakat collection and distribution organization with global humanitarian programs. Directly comparable Zakat-focused model with similar Islamic philanthropic principles and beneficiary categories (education, healthcare, economic empowerment).
• National Zakat Foundation (UK): UK-based charity focused specifically on Zakat collection and disbursement to eligible recipients. Directly comparable as it operates the same Zakat-focused model as the subject, but serves the UK Muslim minority population rather than Ghana.

Others

• Direct Relief: Large-scale humanitarian aid organization focused on health and disaster relief globally. Thematically adjacent as a non-faith-based counterpart that demonstrates alternative operating models for similar beneficiary populations (education, healthcare access).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UCzakatfund
• LinkedInlinkedin.com/company/zakat-sadaqa-trust-fund-of-ghana

Revenue estimate

Valuation estimate

Number of profiles

Profiles11 records

Funding overview

Funding rounds

Investors

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M&A

Investments

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Frequently asked questions about Zakat & Sadaqa Trust Fund of Ghana