ZSSF Schemes

Shariah Social Security Scheme

Social security guided by Shariah principles, with standard registration and contributions and halal investments supporting benefit payments.

About the scheme

ZSSF operates a Shariah-compliant social security scheme to widen access to protection that reflects Islamic values. The scheme promotes financial inclusion and the welfare of members and their families, guided by fairness, solidarity, transparency and accountability.

The scheme builds on ZSSF’s established registration, contribution and benefit processes. Its main distinguishing feature is investment in accordance with Islamic principles: funds are invested in halal activities, and the resulting income contributes to benefit payments for scheme members.

ZSSF aims to continue strengthening technology, operating procedures and staff capacity to support accessible services, reliable records and efficient scheme administration.

Fairness · Solidarity · Transparency · Ethical finance

Registration

Registration follows ZSSF’s normal procedures. Membership may begin through a new registration or by transferring from the Main Scheme to the Shariah Scheme.

New members register through the ordinary ZSSF registration process.
Existing Main Scheme members may apply to transfer to the Shariah Scheme.
Other registration requirements and procedures remain the same as for normal registration.

New member registration Transfer to Shariah FAQs

Contributions

The contribution process and rates are the same as those under the Main Scheme, in accordance with the applicable laws and regulations. The employer pays the member’s contributions to ZSSF.

The same statutory contribution rates apply.
The employer remits contributions for the member.
Contribution submission and records follow the ordinary ZSSF process.

Employer services Contribution calculator Contribution assistance

Shariah-compliant investments

Investment is the main distinguishing feature of this scheme. Funds are invested in halal activities in accordance with Islamic principles, and investment income contributes to benefit payments for scheme members.

Investment activities follow Islamic principles and halal requirements.
Investment arrangements are managed in accordance with Shariah requirements.
Investment income contributes to the funds used to pay members’ benefits.

Scheme regulations Investment projects Financial reports

Benefit payments

Benefits are calculated under the existing laws and regulations, with payments supported by Shariah-compliant investments. ZSSF is also preparing to expand the range of benefits offered through this scheme.