<![CDATA[Poverty, economic inequality, and limited economic independence remain significant challenges to sustainable development, while Islamic philanthropy provides substantial resources through zakat, infaq, and waqf (ZISWAF). This study aims to analyze how optimizing productive ZISWAF can contribute to socioeconomic transformation and sustainable prosperity. The study employed a qualitative library research design by reviewing scholarly articles and relevant institutional publications published primarily between 2023 and 2026. Data were analyzed through data condensation, thematic display, and verification to identify recurring patterns concerning productive empowerment, productive assets, financing innovation, governance, and digital transformation. The findings indicate that productive ZISWAF can strengthen beneficiary income, support micro-enterprise development, reduce poverty, and enhance economic resilience when philanthropic resources are directed toward productive financing, asset development, entrepreneurship, and business assistance. However, the literature also identifies persistent challenges related to governance, institutional capacity, digital infrastructure, and the gap between philanthropic potential and realization. The study implies that ZISWAF should be repositioned from predominantly consumptive assistance toward an integrated Islamic social investment mechanism supported by accountable governance, digitalization, institutional collaboration, and continuous empowerment. The proposed Productive ZISWAF Transformation Framework provides a conceptual basis for strengthening the contribution of Islamic philanthropy to sustainable socioeconomic development.]]>
