Islamic Financial Products
Principles, Instruments and Structures
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A Scholar of Applied Islamic Finance.
Academic & Professional Profile
Prof. Dr. Mohd Ma’Sum Billah is Senior Professor of Finance at King Abdulaziz University in Saudi Arabia. An internationally recognized scholar of Islamic finance, business and fintech, he has authored 64 books and more than 200 research papers, and has delivered over 300 lectures at global summits and conventions.
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His academic and professional service spans universities, governments, regional centres of excellence and international bodies, including the Islamic Chamber of Commerce and Industry of the OIC. His work connects financial theory with practical policy across Islamic finance, Takaful, fintech, global trade, sustainability and the green economy.
His applied research includes funded projects for Bank Negara Malaysia and Malaysia’s Intensification of Research in Priority Areas (IRPA) programme. He is currently leading a ten-year, USD 340 million Saudi government mega-project on water desalination, demonstrating how finance can be mobilized to address critical global challenges.
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A timeline of published work
THE DEVELOPER
Pasha Zahari
Digital Technology & Platform Development
Pasha Zahari is the developer behind masumbillah.org and a Malaysian technology leader with more than two decades of experience in information technology, digital systems and enterprise architecture. His work spans fintech, blockchain, artificial intelligence and secure cloud infrastructure, with a focus on turning complex ideas into reliable, accessible digital platforms.
Through DIGITAS and his broader innovation work, he combines technical strategy, product engineering and hands-on execution for projects at the intersection of technology, finance and inclusion.
Professional profile ↗AN APPLIED PERSPECTIVE
Connecting principles with practice
Across the selected publications, a recurring theme is the relationship between Islamic financial principles and practical questions: how products are structured, how protection is provided, and how financial technology can support inclusion.
This overview draws together themes from the published work. It is an editorial introduction rather than a personal statement or quotation.
Explore the research themes ↗BOOKS & EDITED VOLUMES
Contributions to the field
Explore selected authored and edited publications on financial products, Takaful and digital finance.
Islamic Insurance Products
Exploring Takaful Principles, Instruments and Structures
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Islamic FinTech
Insights and Solutions
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Halal Cryptocurrency Management
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Academic & professional engagement
For correspondence about research, publications and scholarly collaboration, visit the contact page. Publisher links are available for book access and publication enquiries.
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