Mohamed Arif bin Abdul Rashid

Chairman of the Board

Arif is a fellow of the Association of Chartered Certified Accountants (ACCA) (UK), a member of Malaysian Institute of Accountant (MIA) and a member of Malaysian Institute of Management (MIM). He also holds a Diploma in Business Studies from Universiti Teknologi MARA.

 He served Syarikat Takaful Malaysia Berhad for 20 years until his retirement in 2004 as President Director (CEO) of its subsidiary PT Syarikat Takaful Indonesia. Prior to that he served as General Manager, Finance and Administration cum Company Secretary from 1997 to 2001.

He also served on the board of the Asean Retakaful International Limited (Labuan) (ARILL) from 1997 to 2004, a board member and subsequently the Deputy Chairman of Koperasi Belia Islam (M) Berhad from 2010 to 2017, and a board member of Al-Islam Specialist Hospital, Kuala Lumpur from 2004 to 2015.

Tarmili bin Dulah Kusni


Tarmili is a Chartered Accountant of Malaysian Institute of Accountants (MIA), a member of Certified Practicing Accountant of CPA Australia and Chartered Tax Institute of Malaysia (CTM).

He is also an approved Company Auditor under Section 8 of the Companies Act, 1965, and Cooperative Auditor under Subsection 61 (1), Cooperative Act 1993.

He has been in practice over 25 years in providing audit, business advisory, tax investigation and tax compliance services.

Hasri bin Harun


Hasri a lecturer at the Centre of Development and Foundation Studies, University of Selangor (UNISEL) and the Director of its Institute of Maqasid Syariah.

He also sits on the board of Koperasi PKPIM Berhad ​​and a member of Shariah Advisory Committee of Koperasi Belia Islam (M) Berhad. He also a member of the Shariah Advisory Committee of Koperasi Niaga Berhad under Lembaga Pertubuhan Peladang and the Shariah Advisory Committee member of Lembaga Pertubuhan Peladang, a government agency under the Ministry of Agriculture and Agro-Based Industry, Malaysia.

Hasri obtained a Bachelor Degree in Fiqh and Usul Fiqh from International Islamic University of Malaysia (IIUM) in 2000 and Master’s of Islamic Studies from National Universiti of Malaysia (UKM) in 2006. He is an Associate Member of the Association of Shariah Advisor in Islamic Finance (ASAS).


YBhg Dato’ Mohd Mokhtar bin Shafii

Shariah Advisor

Dato’ Mokhtar graduated with Bachelor of Arts (Hons) and Master of Arts in Islamic Studies majoring in Shariah from University of Malaya. He also holds a Diploma in Education from Kolej Islam Malaya.

He was a lecturer at the International Islamic University Malaysia from 1983 to 1997 and held the position of the Dean of Centre for Fundamental Knowledge for seven years, during which he was also a Senate Member of the university.

He is currently a Shariah Committee member of Angkatan Koperasi Kebangsaan Berhad (ANGKASA), a member of the Fatwa Councils for Pahang and Selangor and senior members of the Islamic Religious Councils for Pahang and Selangor.

Over the last 26 years, he used to serve as a Shariah Committee member in several organisations including Takaful Ikhlas Berhad (as Chairman of its Shariah Advisory Committee), Lembaga Tabung Haji, Bank Kerjasama Rakyat Malaysia Berhad, OCBC Al-Amin Berhad and Exim Bank Berhad. He was also a member of the Expert Consultation Panel of Jabatan Kemajuan Islam Malaysia (JAKIM).

Dr. Abdul Halim bin Muhammad

Shariah Advisor

Dr Abdul Halim graduated with BA in Syariah Law from Al-Azhar University in Egypt and Ph.D in Syariah from University of St. Andrews in Scotland.

He retired as an Associate Professor at Universiti Kebangsaan Malaysia (UKM) in 2010 after serving as a lecturer for 33 years. 

He was Deputy Chairman of the Shariah Advisory Committee of Lembaga Tabung Haji, Deputy Chairman of the Shariah Advisory Counsel of Bank Negara Malaysia and a member of the Shariah Advisory Council of the Securities Commission Malaysia. He also has vast experience in the Islamic banking and takaful sectors, being a member of the Shariah Advisory Committee of various banks including Bank Kerjasama Rakyat Malaysia Berhad, RHB Bank Berhad, Bank Pembangunan Malaysia Berhad, CCB Bank of Malaysia Berhad and Takaful Nasional Malaysia Berhad. He was also a member of the Committee of Arabic-Malay Dictionary of Dewan Bahasa & Pustaka.

Currently he serves as a member of the Shariah Committee of Bank Muamalat Malaysia Berhad, Angkatan Koperasi Kebangsaan Berhad (ANGKASA), Apex Investment Services Berhad, Terengganu Unit Trust and REIT of Johor Corporation.

Abdul Rashid bin Abd Kadir

Shariah Advisor

Abdul Rashid obtained his MBA and Bachelor of Art (Honours), majoring in Economics, from Universiti Kebangsaan Malaysia (UKM). He also holds a Diploma in Education and Diploma in Islamic Studies from the same university.

He was a member of Shariah Committee of Export Import Bank of Malaysia Berhad (2008-2011), a member of Steering Committee for the setting-up of a yet-to-be-launched Islamic Bank (2010), member of Training Committee and Examination Committee for Certified Credit Professional – Islamic (CCP-i) under Islamic Banking and Finance Institute Malaysia (IBFIM: 2005-2007 and 2008-2010) and a consultant on Islamic Banking System (as Subject Matter Expert-SME) with an IT company.

He has 15 years working experience in Islamic Banking as Head of Consumer Banking Division, Area Manager, Branch Manager and Head of Islamic Banking Window. He also has 15 years working experience with conventional banks, in various areas, including as Coordinator for setting up of Islamic Banking Department/window.

He is a member of Association of Shariah Advisory in Islamic Finance Malaysia (ASAS) and currently is a teaching fellow at the International Centre for Education in Islamic Finance (INCEIF).

Khairul Anuar bin Ahmad

Shariah Advisor

Khairul Anuar has been a lecturer at the Faculty of Shariah and law, Kolej Universiti Islam Antarabangsa Selangor (KUIS) since 1999. He obtained his Master’s in Shariah and Bachelor in Shariah from Universiti Malaya.

Currently he serves as a Shariah Committee member of HSBC Amanah (M) Berhad and HSBC Amanah Takaful (M) Berhad.


Mohd Rofaizal Al-Hafiz bin Ibhraim

Shariah Coordinator

Mohd Rofaizal is a lecturer at the Shariah and Law Faculty, Kolej Universiti Islam Antarabangsa Selangor (KUIS).

Previously, he was the Head of Shariah at Koperasi Pembiayaan Syariah (Kopsya) Berhad from 2011 until 2014. He also served as Shariah Manager at Afsha Shariah Advisory Sdn. Bhd. from 2008 until 2011.

He graduated with a degree in Shariah from Faculty of Islamic Law, International University of Africa, Khartoum, Sudan, and an MBA in Islamic Finance from the Graduate School of Business, UKM.


Mohamed Arif bin Abdul Rashid

SME for Takaful

M. Aminuddin bin Ismail

SME for Takaful

Ameer Ali bin Vali Mohamed

SME for Islamic Capital Market

Ameer, now a freelance trainer on financial related matters and capital market, has more than 26 years of experience in the capital markets, of which more than 8 years were as Chief Executive of fund management/unit trust management companies.

He served PMB Investment Berhad, an Islamic fund management and unit trust company which is wholly owned by Pelaburan MARA Berhad, as its Chief Executive Officer for 4½ years until September 2016.

Prior to that, he was the managing director of Kedah Islamic Asset Management Berhad. He also served as chief executive officer of the then OSK Asset Management Sdn. Bhd.

He graduated with BBA (Hons) (2nd class upper honours) from the International Islamic University Malaysia in 1988. He is a Registered Financial Planner (RFP) accorded by the Malaysian Financial Planning Council (MFPC) and a certified trainer by the Human Resource Development Fund (HRDF) of the Ministry of Human Resources, Malaysia.

Ameer is currently an independent non-executive director of AmanahRaya Investment Management Sdn Bhd, the fund management arm of AmanahRaya Group.

Johari bin Jonid

SME for Islamic Banking

Johari graduated with Bachelor Business Management majoring in Financial Analysis from University Kebangsaan Malaysia (UKM).

He has 25 years working experience in Islamic Banking as Assistant Manager, Manager, Assistant Vice President and his last post with Bank Pembangunan Malaysia Berhad was Vice President, Group Shariah Advisory.

Islamic Development Bank (IDB) Jeddah, has engaged Johari as a speaker on Islamic Banking for EXIM Bank of Iran, Agriculture Bank of Iran and Melli Bank of Iran in 2000; Saudi-Bangladesh Bank of Bangladesh, Industrial Development Bank of Bangladesh in 2000; EXIM Bank of Egypt in 1998 and subsequently National bank of Egypt in 2000.

Johari was appointed by IDB as its resource person to develop a business model for Islamic banks in Benin and Burkina Faso in 1998 and 2002 respectively.

Abdul Rashid bin Abd Kadir

SME for Islamic Banking

Mohd Rofaizal Al-Hafiz bin Ibhraim

SME for Shariah Audit

Abu Yaziz bin Brahim

SME for Enterprise Risk Management and Shariah Audit

Abu Yaziz is a seasoned banker, having served Bank Bumiputra Malaysia Berhad and subsequently Bank Muamalat Malaysia Berhad for a total of 31 years and retired in 2011 as Vice President of Credit Operations. Prior to that he was the bank’s Chief Internal Auditor for 8 years, Deputy Chief Internal Auditor for 6 years.

He holds a Master’s degree in Business Management from Oklahoma City University, United States which he received in 1993.

He is currently a freelance trainer on his subject matters of expertise.

Dr. Zainal bin Samicho

SME for Halal Industry

Dr. Zainal obtained his B.Sc (Hons) Physics from the University of Malaya, M.Sc (Food Science & Microbiology) from the University of Stratchlyde and PhD (Food Engineering) from Universiti Putra Malaysia.

He was a lecturer at Universiti Teknologi MARA for 34 years until his retirement in 2016. His last positions were as an Associate Professor in food science and technology and Head of School of Industry Technology, Faculty of Applied Science.

His fields of specialization are food technology (juice processing), food product development and Halal food. He won a gold medal at the 36th International Exhibition of Inventions, New Techniques and Products 2008 in Geneva, Switzerland (2-6 April 2008) for the Production of Low Cholesterol Prawn Using Yoghurt and also won a gold medal in Invention and New Product Exposition (INPEX) 2008 in Pittsburgh, USA (11-14 June 2008) for Optimization in Determination of Formaldehyde Content in Mackerel using Modified AOAC 931.08.

He was a member of Halal Technical Committee JAKIM in producing Malaysian standards such as MS1500:2004 and MS1500:2009 (Halal Food – Production, Preparation, Handling and Storage – General Guideline), MS777:2010 (Instant Coffee – Specification), and MS2200-2:2013 (Islamic Consumer Goods – Part 2: Usage of animal bone, skin and hair).

He was also accredited consultant of MS1500:2009 [Halal Food – Production, Preparation, Handling and Storage], MS1900:2014 [Shariah-based Quality Management Systems-Requirements with Guidance], MS2300:2009 [Value-Based Management System Management Systems – Requirements from An Islamic Perspective] and MS2400:2010 Halalan-Toyyiban Assurance Pipeline – Transportation, Warehousing and Retailing].

Currently Dr Zainal is a panel member for the inspection and approval of Halal Sign of Jabatan Agama Islam Selangor.

MD Azmi Abu Bakar

SME for Takaful

Azmi is a qualified and an experienced takaful practitioner with 30 years of experience in the overall management of takaful operations with over 20 years at senior positions and top management levels.

Azmi graduated with Bachelor of Science and Master of Science in Statistics and Actuarial Science from The University of Iowa, USA.

Azmi was involved in setting up of a number of new takaful operators in the region and globally. His latest contribution was in the setting up and launching of Noor Takaful, Dubai, where he was primarily responsible for developing the company’s business model, drawing up feasibility study, business plan, organization structure and resource planning, in addition to ensuring the operational frameworks were structured fully incompliance with the Shariah. He then served as one of the management members of Noor Takaful, after it was formally incorporated under The Dubai Group.

Prior to joining Noor Takaful, Azmi served Takaful Malaysia at various positions and responsibilities covering products development, sales, underwriting, claims, retakaful (reinsurance) and actuarial functions. His last positions were General Manager, Chief Operating Officer and latest Chief Executive Officer of Takaful Malaysia prior to venturing to Dubai. With all these exposures Azmi brought with him extensive experience in the business operations as well as overall management of the business at the top level.

Azmi sat as a board member of a number of local and international institutions since 2002. These include Board of Director Asuransi Takaful Keluarga Indonesia, Amana Takaful Limited Sri Lanka and Arab Malaysian Takaful Company Jeddah.

Azmi currently affiliate with First International Consulting (FIC), a financial consulting training and advisory specializing in Islamic banking, capital market, takaful and other areas of Islamic finance, as a resource person and consultant.Azmi also involve in a number of training programs organized at the industry level.

Azmi has conducted over 100 public lectures and talks on various takaful related topics both locally and internationally.


M. Aminuddin bin Ismail

General Manager

Aminuddin assumed his current position in November 2015. He graduated with a degree in Accounting and Finance from the University of Hull, United Kingdom and an MBA from Universiti Kebangsaan Malaysia.

He joined Syarikat Takaful Malaysia Berhad in 2002 and served as a Senior Manager. He was seconded to PT Asuransi Takaful Keluarga, Indonesia in 2002 as its Finance Director and subsequently in 2004 as its President Director.

He then served Arabian Malaysian Takaful Company (AMTC), a subsidiary of Dallah Barakah Group, Saudi Arabia from 2007 until 2009. Subsequently he ran his own business until he joined Afsha Shariah.

He is a certified trainer by the Human Resource Development Fund (HRDF) of the Ministry of Human Resources, Malaysia.

Afsha Shariah Advisory Sdn Bhd 

(formerly known as Aftaas Syariah Advisory Sdn Bhd) (818106-X)
2 Jalan Rampai Niaga 2
Rampai Business Park
53300 Kuala Lumpur
Tel: (+603) 4143 9330
Fax: (+603) 4142 9330