A seasoned expert in Islamic banking, microfinance, and financial strategy, with over 20 years of combined academic and professional experience. Has held strategic leadership roles in corporate planning, financial analysis, micro banking development, and treasury management across major Islamic financial institutions.

Currently active in academia, teaching Islamic finance and banking at multiple universities. Holds advanced degrees from institutions across Southeast Asia and Europe, and is certified in human resources and risk management. Brings deep expertise in Islamic microfinance, sustainable finance, and the strategic development of Sharia-compliant financial systems.