INTEGRATION OF ISLAMIC FINANCIAL SERVICES INTO DIGITAL AGRI-INDUSTRIAL ECOSYSTEMS

Issue № 4, 2026, article № 5, pages 46-55

Section: Investment and innovation in agriculture

Language: Russian

Original language title: ИНТЕГРАЦИЯ ИСЛАМСКИХ ФИНАНСОВЫХ СЕРВИСОВ В ЦИФРОВЫЕ ЭКОСИСТЕМЫ АПК

Keywords: API-ИНТЕГРАЦИЯ, AGROECOSYSTEMS, AGRO-INDUSTRIAL COMPLEX, API INTEGRATION, DIGITAL TRANSFORMATION, IJARA, ISLAMIC FINTECH, MURABAHA, MUDARABA, AGRICULTURE, SUKUK, SHARIAH COMPLIANCE

Abstract: With the accelerated digitalization of Russia's agro-industrial complex and growing interest in alternative sources of financing, the integration of Islamic financial services into digital agro-industrial ecosystems is acquiring strategic importance for expanding agricultural producers' access to Sharia-compliant capital. The lack of unified conceptual models and technical solutions for integrating Islamic financial instruments (sukuk, mudarabah, istisna', takaful, salam, ijara, and murabaha) into existing digital agro-industrial platforms limits the agricultural sector's ability to attract investment from Islamic countries. The aim of this study is to develop a modular architecture for integrating Islamic financial services into digital agro-industrial ecosystems. Using general economic methods such as analysis and synthesis, comparison and contrast, and systems and logical approaches, this article examines Islamic financial instruments as sources of financing for agricultural producers and the potential for their integration into digital agro-industrial platforms. Based on the results of the study, the architecture of a Sharia-compliant module for existing agro-ecosystems was proposed, ensuring the implementation of sukuk, mudarabah, istisna, takaful, salam, ijara, and murabaha through smart contracts, which opens up export opportunities in the markets of BRICS, OIC, Malaysia, the Persian Gulf countries, etc. The developed model for the integration of Islamic financial services into digital ecosystems of the agro-industrial complex for the first time systematizes approaches to their technological compatibility, creating a basis for regulatory and methodological support for the introduction of Sharia-compliant financing in the agricultural sector.

Authors: Derzayeva Guzel Gabdelhakovna