Zakat remains one of the most established compulsory social finance instruments within the Muslim community, yet its real-world outcomes continue to lag behind its theoretical potential. Despite steady growth in zakat collection and record-high figures reported by community institutions, persistent challenges remain in translating collections into sustained impact. The roundtable acknowledged that the issue is not the absence of funds or willingness to give, but systemic weaknesses in governance, literacy, and coordination across institutions involved in zakat, waqf, estate planning, and community finance. This disconnect has created uneven outcomes across beneficiaries and contributed to ongoing questions around effectiveness and trust