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Muhammad Zeeshan Farrukh

A Pakistani Islamic Economics & Finance Specialist and Intellectual who has spent more than two decades contributing to the development, Shariah compliance, research, publications, academic contributions, advisory, education, training, awareness, and transformation of the Islamic Banking & Finance sector in Pakistan, while also contributing to Islamic, social, ethical, and patriotic literature through articles and stories.

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Muhammad Zeeshan Farrukh Islamic Finance Expert and Scholar

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Contributed to Islamic banking product development, Shariah compliance, training, and institutional development in various Pakistani banks for more than 20 years. He is one of the pioneers of Islamic Banking & Finance in Pakistan, having entered the field at an early stage when Islamic Banking was still evolving in the country.

Currently serving as Head of Shariah Compliance and Secretary, Shariah Board at Bank Makramah Limited.

Serving as Director – Research, Learning & Advisory Management at Global Institute of Shariah Research & Advisory Services (GISRAS).

Gold Medalist in MS Islamic Studies, with a specialization in Islamic Finance.

University faculty and academic contributor, with experience in teaching Islamic Banking & Finance.

Contributed to research and publications in Islamic Economics, Banking & Finance, and Shariah-related areas.

Author of Islamic and ethical articles and stories, reflecting a broader commitment to Islamic values and intellectual contribution.

Co-authored the forthcoming book, Islamic Transformation of Conventional Finance and Economy: Navigating Opportunities, Overcoming Challenges, and Implementing Solutions, to be published by Emerald Publishing, UK. Scheduled for publication on 14 December 2026, the book presents a comprehensive framework for the Islamic transformation of the economy, covering the transformation of different sectors and proposing a broader blueprint for implementing such transformation. The book represents a significant contribution to research and intellectual discourse in Islamic Economics & Finance.

Career Highlights

2026
Forthcoming Book
Forthcoming Book
He co-authored Islamic Transformation of Conventional Finance and Economy: Navigating Opportunities Overcoming Challenges and Implementing Solutions
Ongoing
Academic Teaching
Academic Teaching
As an Adjunct Faculty member at the Institute of Business Management Karachi he teaches Islamic Finance courses His academic engagement allows him to connect industry experience with classroom learning
Ongoing
Bank Makramah Limited
Bank Makramah Limited
He currently serves as Head of Shariah Compliance and Secretary of the Shariah Board at Bank Makramah LimitedHis professional work includes Shariah compliance Islamic Banking training and Islamic conversion activities
2026
Shahadat-ul-A’liyah
Shahadat-ul-A’liyah
In 2026 he completed Shahadat-ul-A’liyah from Wifaq-ul-Madaris Al-Arabia PakistanThe qualification represents an important stage in his pursuit of traditional Shariah scholarship
2024
MS Islamic Studies
MS Islamic Studies
In 2024 he completed his MS in Islamic Studies with a specialization in Islamic Finance from Bahria University Karachi CampusHis MS thesis addressed a contemporary issue in Islamic Finance
2011
Chartered Islamic Finance Professional
Chartered Islamic Finance Professional
He obtained the Chartered Islamic Finance Professional CIFP qualification from INCEIF University Malaysia in 2011The qualification further strengthened his professional specialization in Islamic Finance
2005
Beginning of Writing Career
Beginning of Writing Career
He began writing articles and research papers in 2005Since then he has produced numerous articles columns and research papers in English and Urdu covering Islamic Economics Banking Finance and wider social and ethical subjects

Personal Life

Early Life

Full Name:Muhammad Zeeshan Farrukh

Date of Birth: 20 July 1982

Nationality: Pakistani

Birthplace: Karachi Sindh Pakistan

Education

Matriculation — 1998

He completed his Matriculation from Nasra School Karachi in 1998

Intermediate in Commerce — 2000

He completed his Intermediate in Commerce from S M College in 2000

B.Com — 2003

He completed his Bachelor of Commerce from S M College in 2003

Islamic Banking and Finance Certification — 2003

He completed a one-month certification course in Islamic Banking and Finance from Jamia Darul Uloom Karachi

MBA — 2005

He completed his MBA from the Karachi Institute of Economics and Technology KIET in 2005

CIFP — 2011

He obtained the Chartered Islamic Finance Professional CIFP qualification from INCEIF University Malaysia in 2011

MS Islamic Studies — 2024

He completed his MS in Islamic Studies with a specialization in Islamic Finance from Bahria University Karachi Campus in 2024

Shahadat-ul-A’liyah — 2026

He completed Shahadat-ul-A’liyah from Wifaq-ul-Madaris Al-Arabia Pakistan in 2026

Current Academic Pursuit

He is pursuing Shahadat-ul-Alamiyyah with the aim of completing his traditional Shariah Scholar qualification

Awards & Professional Recognition

  • Gold Medal in MS Islamic Studies
  • Chartered Islamic Finance Professional CIFP
  • MS Islamic Studies with Specialization in Islamic Finance
  • Shahadat-ul-A’liyah
  • More than Two Decades of Islamic Banking and Finance Experience
  • Director of Research Learning and Advisory Management at GISRAS
  • Head of Shariah Compliance and Secretary Shariah Board at Bank Makramah Limited
  • Adjunct Faculty Member at the Institute of Business Management
  • Co-Author of Islamic Transformation of Conventional Finance and Economy

Profession

Islamic Economics
Islamic Banking
Islamic Finance
Shariah Compliance
Islamic Banking Transformation
Research
Professional Training
Academic Teaching
Advisory Services
Islamic Finance Publications

Lifestyle

Reading and Continuous Learning

Reading and learning have remained important elements of Muhammad Zeeshan Farrukh’s personal and professional development

His early interest in books developed into a long-term commitment to academic study research professional qualifications and Shariah learning

Research and Intellectual Development

Research is an important part of his professional identity

His work combines Islamic Finance research academic teaching industry experience and Shariah studies while addressing contemporary financial and economic questions

Education and Knowledge Sharing

Teaching training and knowledge sharing form a significant part of his professional activities

Through GISRAS and IoBM he contributes to professional education and academic learning while helping participants understand Islamic Banking and Finance

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Who is Muhammad Zeeshan Farrukh

Muhammad Zeeshan Farrukh is a Pakistani Islamic Economics and Finance specialist researcher academic advisor trainer and writer with more than two decades of experience in Islamic Banking and Finance

His professional background includes Shariah compliance Islamic Banking product development Islamic Finance research professional training academic teaching advisory services and institutional development

He serves as Head of Shariah Compliance and Secretary of the Shariah Board at Bank Makramah Limited

He serves as Director of Research Learning and Advisory Management at the Global Institute of Shariah Research and Advisory Services GISRAS

His qualifications include an MBA a Chartered Islamic Finance Professional CIFP qualification an MS in Islamic Studies with specialization in Islamic Finance and Shahadat-ul-A’liyah

Muhammad Zeeshan Farrukh Says:

“A person should recognize the abilities bestowed by Allah and then try to use them to the fullest for the sake of Allah and to serve society in a positive manner.”

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