This document discusses microtakaful (Islamic microinsurance) as a tool for financial inclusion. It notes that half of IDB member countries in Africa are least developed countries and that microtakaful makes up less than 2% of the takaful industry. The document outlines different poverty treatment strategies in Islam, from qarz-e-hasan (benevolent loans) and murabahah (cost-plus financing) for the transitory poor and vulnerable, to zakat, sadqa (charity), and ushr (obligatory alms) for the chronic poor and extremely poor. It states that microtakaful requires collective will to implement and could utilize zakat funds.