Shariah Function

  • Dr. Muhammad Zubair Usmani

    Dr. Muhammad Zubair Usmani is one of the most experienced Shariah Scholars in the Islamic Banking Industry. He did his Shariah graduation (Fazil Dars-e-Nizami) & Takhassus-Fil-Fiqh (i.e. Specialization in Islamic Fiqh & Fatawa) from Jamia Dar ul Uloom, Karachi.

    He has done Masters in International Relations and Doctorate (Ph.D.) in Islamic Finance from University of Karachi.

    Dr. Zubair Usmani is the author of several books including Accounting & Auditing for the Islamic Financial system, a Comparative study between Islam and Christianity, and Ijarah (Islamic Leasing). His research papers have been published in various international journals. He has delivered research-based lectures/presentations at different national and international seminars, forums and conferences.

    Dr. Usmani served as Shariah Advisor to MCB Islamic Banking for 15 years and has been associated with several other financial institutions. He has also served as a member of Shariah Board of State Bank of Pakistan. Currently, he is serving on HBL’s Shariah Board as Chairman and also associated with MCB Arif-Habib Savings & Investments Limited serving as Member Shariah Board. Adamjee Life Takaful as Shariah Advisor and several other institutions.

  • Mufti Muhammad Shakir Siddiqui

    Mufti Muhammad Shakir Siddiqui completed his research work in Islamic Jurisprudence with an outstanding record throughout his academic career from Jamia Darul Uloom Karachi, under supervision of Mufti Muhammad Taqi Usmani. He completed his M. A. in Arabic from University of Karachi and is presently enrolled in M. Phil program leading to Ph.D. at the same University.

    He has been associated with Pak-Qatar Group for over 13 years and supervises Shariah Trainings, Shariah Compliance & Audits. Mufti Shakir developed & implemented Shariah Compliance Guidelines; reviews business contracts and agreements with Shariah perspective. He also conducts workshops on Takaful and Islamic Banking at Corporate level including Multinationals. His specialization includes: Islamic Finance, Islamic Jurisprudence, Takaful, Islamic Risk Management, Islamic Tarbiya, Sharia Audit & Compliance, Waqf Management and Islami Tariqa-e-Tijarat.

    He is also a Shariah Advisor at Century Insurance Company Ltd. (Window Takaful Operations) and Pakistan Reinsurance Company Limited (Window Re-Takaful Operation). Furthermore, he is a visiting faculty member at different universities/educational institutes in Karachi incuding IBA. He is also a member and Shariah Consultant of Standing Committee on ‘Takaful & Window Takaful’ at FPCCI.

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