Muhammad Zubair is an experienced Islamic finance professional with over 11 years of experience. He is currently the Managing Director of AlHuda CIBE FZ LLE in Dubai and the Chief Executive Officer of AlHuda Centre of Islamic Banking and Economics in Pakistan. He specializes in areas such as Islamic microfinance product development, research, training, and publishing. Zubair has extensive international experience conducting consultancy projects and presenting at conferences around the world. He is passionate about developing the field of Islamic microfinance and poverty alleviation.

1. Muhammad Zubair
Zubair.mughal@alhudacibe.com
Dubai – United Arab Emirates
Page 1 of 7
Personality Profile
A passionate and hardworking individual with a strategic vision
in Islamic Banking and Finance. A skilled Islamic financial
professional and a keen learner of Islamic Microfinance with
good public speaking and training skills. A social and friendly
person, an eager follower to his leader but having experience to
lead the teams with an understanding and depth required in a
leader.
Areas of Expertise
Islamic Financial Engineering, Development of Banking and Islamic Microfinance
Products, Training & Research, Structuring of Islamic Micro-Financial Products for
poverty Alleviation, Design and implement the poverty reduction strategies, Islamic
Banking and Finance Trainings, Publication of Banking & Islamic Finance,
Transformation of Conventional Microfinance into Islamic, Shari’ah Auditing &
Accounting, , Design Research Base Workshops for Islamic Financial Industry,
Running Islamic Financial Web Portals and Blogs.
Qualifications
 Ph.D Scholar – Islamic Banking and Finance ( Expected in 2017 )
 M. S - Islamic Banking and Finance
 Master of Science ( M. Sc ) – Mass Communication
 Bachelor of Science ( B. Sc ), Major Subjects: Economics, Statistics & Math.
 Post Graduate Diploma in Islamic Banking and Finance - One Year Duration.
 Certified Islamic Microfinance Professional – Six Month Duration
Professional
Experience in
Islamic Finance
Over Eleven (11) years
International
Exposure &
Research
Contributions
United Kingdom - South Africa – France – Sudan - China – Malaysia - Kazakhstan, - Russia -
Kenya - Pakistan - U.A.E –Mauritius - Afghanistan – Turkey - Jordan – Iraq – Yemen –
Indonesia - Qatar - Azerbaijan – Uzbekistan – Philippines – Tunisia – Austria – Tanzania –
Uganda – Senegal – Germany – Nigeria – USA – Tajikistan – Somaliland – Norway
PRESENT STATUS
Managing Director
AlHuda CIBE FZ LLE – United Arab Emirates
www.alhudacibe.com
Chief Executive
Officer
AlHuda Centre of Islamic Banking and Economics, – Pakistan
www.alhudacibe.com
Chief Editor
Islamic Microfinance News & True banking
www.imfn.org , www.truebanking.com.pk

2. Muhammad Zubair
Zubair.mughal@alhudacibe.com
Dubai – United Arab Emirates
Page 2 of 7
CONSULTANCY SERVICES FOR ISLAMIC BANKING AND FINANCE
Below is the some glimpse of International Assignments which has been conducted related to Islamic Microfinance
Industry
No. Assignment Name Client Name Country Name
1 “ Market Research Demand for (Islamic)
Financial Services in Kaduna, Nigeria” for
MCN (MicroCred Nigeria)
World Bank - International
Finance Corporation (IFC)
Nigeria
2 “Islamic Microfinance Product
Development”
Yemen Microfinance Network
- YMN
Yemen
3 Preliminary Market Research to Evaluate
Islamic
Microfinance Products
Vision Fund Azercredit –
Azerbaijan
( Second Largest MFI of
Azerbaijan )
Azerbaijan
4 “Establish Islamic Microfinance Division” National Rural Support
Program
Microfinance Bank – NRSP MF
Bank
Pakistan
5 “Market Research Study for Islamic
Microfinance Product Development”
CRDB Microfinance Services
Company Ltd-
Tanzania
Tanzania
6 Shari’ah Review
“Access to Shari’ah compliant Microcredit”
Hand in Hand Afghanistan
(HIH AF)
Afghanistan
7 Market Research on Islamic Microfinance
Products in Yemen
Yemen Microfinance Network
(YMN)
Yemen
8 Murabahah Product Development Shore Bank International Pakistan
9 Shari’ah Audit and Recommendation of
Shari’ah
Compliant modes of financing in
Microfinance
Islamic Relief Pakistan
10 Product Development & Establish Islamic
Microfinance Division with Shari’ah Advisory
& Trainings
ASASAH Pakistan
11 Product Development of Murabahah &
Micro Takaful
Al Baraka Multi-purpose Co-
operative
Society Limited
Mauritius

3. Muhammad Zubair
Zubair.mughal@alhudacibe.com
Dubai – United Arab Emirates
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CONTRIBUTIONS AT INTERNATIONAL CONFERENCES
New York - USA
Present a paper at specialized workshop on Sukuk at Sofitel Hotel, time squre in New
York City - October 11-12, 2014
New Orleans - USA
Present a Presentation about “ Islamic SME & Islamic Microfinance” at University of
New Orleans - 6th & 7th Oct, 2014, New Orleans - USA
Accra - Ghana
Present a paper at Specialized Workshop on Islamic Banking, SME and Islamic
Microfinance in Accra – Ghana on 17th – 18th June, 14.
Islamabad - Pakistan
Present a paper about “Islamic Microfinance and its Compatibility” held on 6th – 7th
May, 14 at IIUI –Islamabad, organized by IRTI - IDB
Kano - Nigeria
Speaking at 1st International Conference on Islamic Banking and Finance in Kano –
Nigeria on 20th April, 2014 organized by Beyro University & IDB
Khartoum - Sudan
Present a paper on “Regulatory framework about Islamic MF” at Policy Discussion
Program on March 18-19,14 at Khartoum – Sudan Organized by Central Bank & IRTI
Tunis – Tunisia
Present a paper about the outreach of Islamic Microfinance at Islamic Microfinance
Symposium in Tunis at 5th & 6th March, 14 in Tunis, organized by GIZ and IRTI
Dar Es Salam –
Tanzania
Deliver a Talk about “Islamic Microfinance” to the Member of Tanzania Association of
Microfinance Institution (TAMFI ) in Dar Es Salam – Tanzania on 6th Feb, 2014.
Amman - Jordan
Deliver a presentation about “ Islamic Microfinance” at an International workshop on
Islamic SME & Microfinance on 19th – 18th January, in Amman – Jordan
Sousse - Tunisia
Speak about Islamic Finance at Int’l conference " The Enterprise and Finance", which is
jointly organized by World Bank, IMF, IFC & European Bank of Reconstruction and
Development on 7th Dec, 13at Sousse - Tunisia
Manila - Philippines
Presentation on " Islamic Finance for the Development of Halal SMEs" at Halal Forum in
Manila on 30th Oct, 13, by Ministry of Science and Technology Govt. of Philippines
Istanbul - Turkey
Speaking about “Halal Certification Process” at “Int’l Halal Accreditation Forum 2013”
which was held on 25th – 26th October, 2013 at Istanbul by the Govt. of Turkey.
Dubai - UAE
Speak at 3rd Global Islamic Microfinance Forum on 6th – 7th October, 13 at Dusit
Thani Hotel – Dubai, United Arab Emirates
KL – Malaysia
Presentation on Islamic REIT at international REIT conference on 18th – 19th
September,2013 in Kuala Lumpur, Malaysia
Jakarta - Indonesia
Speaking at International Seminar on Financial Inclusion on 25th – 26th June, 13 at
Sabhat Financial Institute, Jakarta – Indonesia
Tashkent -
Uzbekistan
Presentation on “Islamic Microfinance as an effective tool for poverty Alleviation” at
International Workshop on Islamic Finance, 25th – 27th Feb, 13 – Uzbekistan

4. Muhammad Zubair
Zubair.mughal@alhudacibe.com
Dubai – United Arab Emirates
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Dubai - UAE
Presented a Paper “ Compatibility of Islamic Microfinance with other Microfinance
Lending Models” at Global Islamic Microfinance Forum, 8th December, 12 at Dubai
KL - Malaysia
Presented at 1st International Halal Tourism Standard Conference, 5th – 6th December,
12 at World Trade Centre – KL - Malaysia
Jogjakarta -
Indonesia
Presented a paper “ Islamic MF as tool of Poverty Alleviation” at Int’l conference on
Microfinance organized by World Bank on 21st – 22nd October, 12 at Indonesia.
San’a - Yemen
Presented Presentation on “Development of Islamic Microfinance” held on 16th – 17th
September, 12 at Sanaa – Yemen, organized by Yemen Microfinance Network.
Amman - Jordan
Presented paper at “1st Int’l Forum for Islamic Banking & Financial Institutions” on the
Topic of “Islamic Finance Education” held on June 27 - 28, 2012 at Aman - Jordan,
Organized by CIBAFI, under the patronage of The Prime Minister of Jordan.
Kazan - Russia
Presented paper at “Russian Halal Forum” on the Topic of “Need of Halal” held on June
12 - 13, 2012 Kazan – Russia, Organized by OIC-ICRIC.
Moscow - Russia
Presented paper at “Moscow Halal Expo” on “Development of Islamic Microfinance”
held on June, 07 - 10, 2012 at Moscow – Russia, by Russian Mufti Council.
Erbil - Iraq
Presented paper at “Iraq Microfinance Policy Forum” on “Emerging Trends of Islamic
Microfinance” held on 10th April,12 – 11, 2012 at Erbil – Iraq – Organized by UNDP
Istanbul -Turkey
Presented paper at “Scalable Business Models for Islamic MF “on the Topic of “Create a
Conceptual Framework of Islamic Microfinance” on 31st Feb 01, 2012 at Istanbul.
Astana -
Kazakhstan
Presented paper at International Islamic Finance Forum on the Topic of “Islamic
Microfinance in CIS” held on 20th September, 2011 at Astana – Kazakhstan
Urumqi - China
Presented paper at Int’l Conference on Financial Inclusion held 12th & 14th July, 2011
at Asian Development Bank Institute (ABDI )workshop in Urumqi – China
Qautre Bornes -
Mauritius
Presented paper at International Conference on Islamic Banking and Finance held on
5th & 6th April, 2011 at Gold Crest Hotel in Qautre Bornes – Mauritius
Kabul -
Afghanistan
Presented paper at International Conference on Islamic Banking and Takaful held on
8th & 9th June, 2010 at Intercontinental Hotel Kabul – Afghanistan
Johannesburg -
South Africa
Presented paper on “Development of Islamic Banking in Africa” at the Int’l Conference
on Islamic Banking and Finance held on April, 14 –15, 2010 at Midrand, South Africa
Almaty -
Kazakhstan
Presented Research Paper, “Islamic Micro Finance Product Mechanism” at Int’l
Conference on Islamic Banking and Takaful on 1st– 4th Oct,09 at Almaty – Kazakhstan
Dubai - U.A.E
Presented paper at International Islamic Banking conference held 20 – 21 March, 2009
at Dubai – U.A.E
Nairobi - Kenya
Presented paper, “Development of Islamic Microfinance in Africa” at Banker Forum on
September, 12, 2009 at Nairobi – Kenya

5. Muhammad Zubair
Zubair.mughal@alhudacibe.com
Dubai – United Arab Emirates
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Johannesburg -
South Africa
Presented paper, “Islamic MF – A Tool of Poverty Alleviation” at Int’l Conference on
Microfinance held on September, 2 - 3, 2009 at Johannesburg, South Africa
Moscow - Russia
Presented research paper, “Development of Islamic Micro Insurance (MicroTakaful
)” at Int’l Conference on Islamic Banking - March 17-18, 2009 in Moscow – Russia
An Many More…………..
PROFESSIONAL EXPERIENCE IN ISLAMIC MICRO FINANCIAL INDUSTRY
Designation Founder & Chief Executive Officer From 2004 To Date
Organization Name AlHuda Centre of Islamic Banking and Economics – Pakistan
www.alhudacibe.com
Managing Director – AlHuda CIBE FZ LLE, United Arab Emirates ( Feb, 2013 – to date )
Organization
Profile AlHuda Center of Islamic Banking and Islamic Economics (AlHuda-CIBE) is a
well established name in Islamic Banking and Micro Financial Market focusing
on Advisory, Consultancy, Trainings, Awareness and Publications on Islamic
Banking and Finance form previous 7 years in Pakistan and around the globe.
Since, no institution or organization was involved in providing the services of
Training, Education and Consultancy in the field of Islamic Banking & Finance in
Pakistan, AlHuda-CIBE has come up to promote this pioneering effort.
Services:
 Advisory & Consultancy
 Training & Capacity Building through Seminars and Lectures
 Post Graduate Diploma in Islamic Banking and Finance
 Distance Learning Programs on Islamic Banking, Takaful, Sukuk, Islamic
Funds and Islamic Microfinance
 International Conferences and Workshops
 Islamic Financial Product Development
 Halal Food Certification
 Shari’ah Advisory and Shari’ah Audit
 Publications

6. Muhammad Zubair
Zubair.mughal@alhudacibe.com
Dubai – United Arab Emirates
Page 6 of 7
AlHuda : Centre of
Excellence in
Islamic
Microfinance
AlHuda Centre of Excellence in Islamic Microfinance is established to facilitate
and strengthen the microfinance industry through Islamic Products
Development, innovation, standardization and provision of Technical & Shari’ah
expertise. Basic purpose of establishing Islamic Microfinance Help desk is to
strengthen the institutions for working for the poverty alleviation so that they
could work for the cause of uplifting poor people’s lifestyle and to get rid of the
society from poverty.
I have the privilege to be a founder of this AlHuda Centre of Excellence in
Islamic Microfinance.
For further Details: www.alhudacibe.com/imhd
Designation Founder & Chief Executive Officer From 2009 To Date
Organization Name Islamic Microfinance Network
www.imf-networrk.com
Organization
Profile
IMFN is a not-for-profit organization formed in 2009 by a group of Islamic
microfinance institutions, dedicated for the development and promotion of the
Islamic microfinance industry through innovation, Shari’ah compliant product
development, institutional capacity building, donor linkages and up-scaling the
Islamic Microfinance Institutions. The Network also focuses on raising public
and institutional awareness regarding Islamic Financial Systems.
IMFN envisions developing and enhancing the role of Islamic microfinance
institutions as an apex global network against poverty. The Network aims to
seek the support of the national and international Islamic Microfinance
Institutions in developing standardized, coordinated and transparent Shari’ah
compliant products and procedures for alleviating poverty.
MANAGING RESEARCH BASED PORTAL & WEB BLOGS
Islamic
Microfinance News
Islamic Microfinance News – Dedicated Islamic Banking Magazine
www.imfn.org
True Banking
Magazine
True Banking - Dedicated Islamic Finance Magazine
www.truebanking.com.pk
Islamic Banking &
Finance Blog
Running a blog on Islamic Banking and Finance
www.blog.alhudacibe.com
Halal News Blog
Running a blog on Halal News for providing information about Halal food industry
information.
www.halalrc.blogspot.com

7. Muhammad Zubair
Zubair.mughal@alhudacibe.com
Dubai – United Arab Emirates
Page 7 of 7
PERSONAL PARTICULARS
Father’s Name Imam Buksh (Late) Date of Birth July 13, 1978
Marital Status Married Languages English, Urdu
Address P.O. Box 120867, Dubai, United Arab Emirates
Office No. +971 56 928 6664 Cell UAE: +971 55 938 99 00
Pakistan: +923004211319
Fax No. +971 4818 7280
Email zubair.mughal@alhudacibe.com , info@alhudacibe.com