Mr. Ali Ashrafdasd


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Dr. Farrukh Habib

Sharia Scholar & Islamic Fintech Expert

Dr. Farrukh Habib is an expert in Islamic law, finance, and fintech with over 9 years of global experience. As Co-Founder of Alif Technologies (Dubai) and Shariah Experts (London), he focuses on Islamic fintech and the halal digital economy, including blockchain, crypto assets, tokenization, decentralized economy, halal supply chain, and shariah compliance. He is currently involved in various crypto and Defi projects. He has also developed a proprietary shariah-compliance screening criterion for crypto-assets.

In addition, Dr. Habib has a keen interest in the intersection of finance, technology, and sustainability. He is currently focusing on ESG, climate action, renewable energy, SRI, and green financing. He believes that these areas are critical for achieving shared prosperity and a sustainable future for all.

Previously, Dr. Habib was a Researcher and Advisor at ISRA, a distinguished Islamic finance research institute under the Central Bank of Malaysia (BNM). He has contributed to several projects, research, corporate training, workshops, and consultation work surrounding the areas Islamic finance, capital markets, sukuk, and banking.

Dr. Habib’s educational background includes a Ph.D. in Islamic Finance from INCEIF, Malaysia, an MSc in Banking and Finance from Queen Mary, University of London, UK, and a bachelor and master’s in economics from the University of Karachi, Pakistan. He also completed an extensive 8-year course covering Hadith, Fiqh, Tafseer, and classical Arabic at Jamia Uloom Al-Islamia, Banori Town, Karachi. He also completed memorization of the complete Holy Quran at an early age.


Al Hidayah excels in Islamic finance, innovation, and ethical solutions, ensuring unparalleled financial success for clients.

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