Mohamed Mishal

Mohamad Mishal, the Head of Shariah at Adl Advisory Sdn Bhd, hails from Madinah, Saudi Arabia, and holds a double major in Law and Shariah from the International Islamic University Malaysia (IIUM). Furthering his academic journey, he earned a Masters in Islamic Finance Practices (MIFP) from the International Centre for Education in Islamic Finance (INCEIF) and became a Certified Shariah Adviser and Auditor (CSAA) accredited by the Accounting and Auditing Organisation for Islamic Financial Institutions (AAOIFI). With a global perspective, Mohamad Mishal has worked with clients across diverse regions, including Canada, South Africa, Malaysia, Turkey, Oman, and Indonesia. His expertise spans Islamic finance research, product structuring, and training, covering AAOIFI Shariah Standards and comprehensive courses on Shariah Governance, Islamic social finance, and Islamic finance and business ethics.

Mohamad Mishal’s project portfolio reflects a commitment to innovation in Islamic finance, ranging from pioneering startup financing instruments to ventures into blockchain-based financing and cryptocurrency. Notable achievements include converting insurance products to Takaful, transforming conventional term loan banking products into Shariah-compliant term financing, and exploring avenues such as supply chain financing, Islamic Mortgage, P2P crowdfunding, and ECF crowdfunding. His experience also extends to Islamic social finance initiatives, encompassing projects related to Zakat, charity crowdfunding, Wasiyyah, and hibah.