Profile of Muhammad Fakhrul Razi Zakaria
Muhammad Fakhrul Razi Zakaria Islamic Finance / Shariah Analyst (Advisory & Review) An expert and a dedicated Shariah Analyst and Governance Consultant specializing in the comprehensive review of legal agreements, corporate documentation, operational SOPs, institutional policies, and marketing materials. My practice focuses on aligning commercial operations with core Shariah principles and the higher objectives of Islamic law (Maqasid al-Shariah), upholding high standards of institutional governance, transparency, and ethical integrity.
My advisory and vetting services are anchored in recognized domestic and international standards, including policy documents and guidelines issued by the Shariah Advisory Council (SAC) of Bank Negara Malaysia (BNM), the SAC of the Securities Commission Malaysia (SC), and AAOIFI Shariah Standards. To deliver rigorous, context-aware analysis, I ground every assessment in authoritative rulings and jurisprudence from established classical and contemporary Shariah scholars.
Every review follows a structured five-step methodology designed to protect institutional integrity while facilitating sound business objectives:
Understanding Objective: Clarifying the underlying commercial intent, target audience, and operational rationale of the document, campaign, or framework.
Identifying Contracts: Determining the precise Shariah characterization (Takyif Fiqhi) and underlying nominate contracts (Uqud).
Assessing Compliance: Scrutinizing operational and promotional do’s and don’ts to eliminate Riba, Gharar, unethical terms, or misleading representations.
Structuring Solutions: Introducing and structuring alternative Shariah-compliant mechanisms and contract enhancements where necessary.
Evidentiary Support: Backing all recommendations and redline markups with direct citations from regulatory standards and established fiqh sources.
Engagements are structured with a base administrative fee of RM 150 + RM 25 per page. Every review delivers a complete Shariah Review Report alongside clause-by-clause redline markups, detailed compliance notes, Maqasid impact considerations, and juristic justifications. Reach out to collaborate on ensuring your agreements, policies, and promotional materials are ethically robust, properly governed, and fully Shariah-compliant.
Learn more about me and connect on LinkedIn: https://www.linkedin.com/in/razizakaria/