MURABAHAH: Islamic Cost Plus Sale

Dr. Muhammad Zulfikar, S.E., M.M., MIFA™, who is commonly known as Dr. Zulfie, is both a practitioner and an academic in the field of Islamic business and economics. He has extensive experience in the banking sector and Islamic financial institutions.

In addition to his academic qualifications, Dr. Zulfie has also obtained several professional certifications relating to his expertise, such as Risk Management from the Indonesian National Professional Certification Agency, Sharia Supervisory Board certification from the National Sharia Council of the Indonesian Ulema Council, and Master Islamic Finance Analyst from the American Academy of Financial Management.

Throughout his professional career, Dr. Zulfie has accumulated over a decade of experience in the national banking sector. He previously worked at PT Bank Negara Indonesia (Persero) Tbk. This does not include several strategic positions he has held in various companies and business institutions since then, such as Head of Compliance, Managing Director, and member of the Sharia Supervisory Board, some of which he still holds to this day. These experiences have enriched his practical understanding of banking operations and business management.

In addition to his work as a practitioner and academic, Dr. Zulfie is also a prolific author of books on economics and business. Some of his published works include Service Marketing, Digital Business Economy, Contemporary Marketing Management, Sharia Entrepreneurship, Fundamentals of Islamic Economics, Sharia Economic Theory, Sharia Economics, Banking and Non-Banking Financial Institutions, Introduction to Sharia Business, Islamic Marketing, Corporate Marketing Management, and Principles of Islamic Business. This does not include the dozens of e-books he has produced.

Drawing on his combined experience as a banking professional, Sharia supervisor, academic and writer, Dr. Zulfie continues to contribute to the development of the Sharia economy and business in Indonesia.