Islamic social finance (ISF) offers a comprehensive ecosystem for addressing poverty, inequality, and financial exclusion, encompassing key instruments such as zakat, waqf, sadaqah, and Islamic microfinance. While zakat remains central to ISF, its full potential is often undermined by fragmented implementation and lack of synergy with complementary tools. This conceptual paper proposes a unified ISF framework that positions these instruments as a strategic pillar within an integrated model of Islamic philanthropy and financial inclusion. The objective is to develop a conceptual structure that enhances the collective impact of ISF instruments through improved governance, institutional collaboration, digital integration, and alignment with Maqasid al-Shariah and the Sustainable Development Goals (SDGs). Using a qualitative conceptual methodology, the study synthesizes existing literature, policy discussions, and institutional practices to construct a framework that facilitates effective resource mobilization and targeted social impact. This paper contributes by highlighting the importance of integrated ISF strategies to strengthen the role of zakat in national and global development agendas.