Dr. Abdulaziz Maruf is CS Financial's senior expert in Takaful, Islamic finance, and training development. He teaching and running the slamic finance degree program at Jumairah University in Dubai, United Arab Emirates.

Dr. Maruf holds a PhD in Islamic banking and finance from the International Islamic University Malaysia (IIUM) focusing on Islamic law of banking and securities money markets, and Shariah and regulatory aspects. His masters, which he received from the same university, were focused on Takaful and insurance, its Shariah and regulatory aspects. Dr. Maruf later published a book on Islamic insurance in Nigeria proposing the adoption of a legal framework.

Dr. Maruf completed his bachelor of Shariah in the Imam Muhammad Bin Saud University, Riyadh, Saudi Arabia. He is therefore fluent in Arabic in addition to his native languages English, Yoruba, and Hausa.

Dr. Maruf is a frequent speaker at Islamic finance forums and authored and co-authored many papers on Islamic finance and Takaful. Some of his work is as follows:

  • Islamic Insurance (Takaful) in Nigeria: A proposal for the Adoption of Malaysian Legal Framework, a book published by LAMBERT Academic Publishing, Germany ISBN: 978-3-8484-1394-2, 2012.

  • Shari’ah Compliant Liquid Commodity Market: {An Expositional Study on Bursa Suq al-Sil‟ah in Malaysia}

  • The Legality of Islamic Banking in Nigeria: A Critical Approach

  • Fair Compensation to the Dwellers of Mineral Land: {Whether Zakat Ma’adin can form the Quantum

  • The Value Proposition of Islamic Financial Intermediation: Some Current Legal and Regulatory Challenges

  • Arbitration Clause in Islamic Banking Contracts: A Contractual Necessity

  • Islamic Money Market: {A Legal Study between Malaysia and some Notable Jurisdictions}

  • Non-Interest Instruments For Liquidity Management In Nigerian Non-Interest Banks, Authored

  • MODUS OPERANDI OF THE ISLAMIC MONEY MARKET {A Proposal for Holistic Sharjah Adaptation

  • Shariah Decisions on Financial Matters and the Application of Islamic Legal Maxims (al-Qawa’id al-fiqhiyyah): {A Comparative Analysis between the modern (OIC & SAC) and Classical Applications

  • Bay' al-Wafa Repo: A Proposed Shariah Compliant Instrument of Liquidity Management from the Classical Practices"

  • Objectivising the Social Justice Paradigm in Islamic Finance: An Appraisal