M & T Consultants, Islamic Co.

25/05/2026

🇵🇭 Meet Our Module 3 Lecturer for the AQIF Open Cohort 2026 (Online Track)

M&T Consultants, Islamic Co. is pleased to introduce Ma’am Nur-Ainee Tan Lim as the lecturer for:

📘 Module 3: Ethics in Islamic Finance

🗓️ June 20, 2026

💻 AQIF Open Cohort 2026 – Online Track

A respected Bangsamoro public servant, peacebuilder, and Shari’ah professional, Ma’am Nur-Ainee brings with her extensive experience in governance, Islamic legal frameworks, peacebuilding, humanitarian development, and community empowerment.

She currently serves as Deputy Minister of the Ministry of Social Services and Development (MSSD-BARMM), while also serving as Socio-Economic Subcommittee Chair and Head Secretariat of the GPH-MNLF Peace Implementing Committee.

Recently, she was likewise recognized as one of the awardees of the Ten Outstanding Women in the Nation’s Service (TOWNS) 2025 for Ethical Public Service, Social Services, and Development, affirming her contributions to peacebuilding, women empowerment, and inclusive governance.

Her work over the years has focused on advancing inclusive governance, social protection, peacebuilding, women empowerment, and conflict-sensitive development programs aligned with both Islamic values and public service accountability.

Academically, she holds a Master in Development Management from the Asian Institute of Management (AIM), alongside degrees in Islamic Studies and Business Administration.

Her expertise in Shari’ah, governance, public administration, ethics, and social development makes her uniquely positioned to discuss the ethical foundations and social objectives of Islamic finance beyond technical compliance alone. Participants can expect meaningful discussions connecting Islamic finance with integrity, accountability, justice, inclusion, and societal impact.

📌 Limited slots remaining for the AQIF Open Cohort 2026 – Online Track.

Register now through: https://tinyurl.com/4srnbeff

⏳ Deadline of registration: June 5, 2026

24/05/2026

🇲🇾 Meet Our Module 2 Lecturer for the AQIF Open Cohort 2026 (Online Track)

M&T Consultants, Islamic Co. is pleased to introduce Muhammad Fahmi bin Fauzi as the lecturer for:

📘 Module 2: Application of Shari’ah in Islamic Finance

🗓️ June 13–14, 2026

💻 AQIF Open Cohort 2026 – Online Track

A Certified Shariah Advisor (CSA) under the Association of Shariah Advisors in Islamic Finance Malaysia (ASAS), Fahmi is likewise among the IBFIM-trained AQIF trainers supporting the Philippine Islamic finance ecosystem through M&T Consultants, Islamic Co.

He currently serves as Assistant Vice President, Lead, Shariah Governance at Cagamas Berhad, Malaysia’s national mortgage corporation, where he leads initiatives involving Shari’ah governance, Shari’ah non-compliance risk management, policy development, product review, and governance assurance.

Prior to Cagamas, he held strategic Shari’ah-related roles in several major Islamic finance institutions in Malaysia, including:

🏢 RHB Banking Group – Specialist, Product & Document Review (Shariah), Group Regulatory Compliance

🏦 Agrobank – Executive, Shariah Audit

🏛️ Bursa Malaysia Berhad – Executive, Shariah & Governance

Across these institutions, Fahmi was deeply involved in Islamic banking product assessment, Shari’ah audit, governance frameworks, Shari’ah advisory, risk profiling, regulatory compliance, and Shari’ah verification exercises — giving him valuable practical insights highly relevant to the Application of Shari’ah in Islamic Finance.

Academically, he completed his Master in Islamic Finance Practice (MIFP) at INCEIF University with First Class distinction and earned his Bachelor’s degree in Shari‘a and Islamic Studies majoring in Islamic Economics and Banking from Yarmouk University, Jordan.

Fahmi likewise joined M&T Consultants, Islamic Co. last year as part of our expanding pool of core consultants and resource persons supporting the advancement of Islamic finance capacity development initiatives in the Philippines. His expertise further strengthens M&T’s growing network of international practitioners and Shari’ah professionals supporting both industry players and emerging stakeholders in the country.

With his strong exposure across banking, capital markets, governance, and Shari’ah advisory functions, participants can expect a highly practical and industry-oriented discussion on the application of Shari’ah principles within modern Islamic finance operations.

📌 Limited slots remaining for the AQIF Open Cohort 2026 – Online Track.

Register now through: https://tinyurl.com/4srnbeff

⏳ Deadline of registration: June 5, 2026

22/05/2026

🇲🇾 Meet Our Module 1 Lecturer for the AQIF Open Cohort 2026 (Online Track)

M&T Consultants, Islamic Co. is pleased to introduce Muhammad Hamdan Syafieq bin Ahmad as the lecturer for:

📘 Module 1: Philosophy and Fundamentals of Shari’ah for Islamic Finance

🗓️ June 6–7, 2026

💻 AQIF Open Cohort 2026 – Online Track

A Certified Shariah Advisor (CSA) and Fellow Member of the Association of Shariah Advisors in Islamic Finance Malaysia (ASAS), Hamdan is among the IBFIM-trained AQIF trainers supporting the Philippine Islamic finance ecosystem through M&T Consultants, Islamic Co.

He currently serves as Lecturer at Universiti Teknologi MARA (UiTM) Terengganu and is presently pursuing his PhD in Islamic Finance at INCEIF University, the world’s leading graduate institutions specializing in Islamic finance.

Prior to academia, he served as Shariah Analyst, Assistant Vice President at MUFG Bank (Malaysia) Berhad, where he was involved in Shariah research, advisory, product development, and Islamic banking governance functions, including participation in the pioneering development of an international trade product based on Istijrar.

His strong academic and research background is further complemented by multiple international recognitions, including:

🏆 Best Presenter Award – 2nd International Muamalat Conference (I-MAC II) 2023

🏆 Best Presenter Award – International Conference on Accounting & Business (ICAB) 2024

🏆 Best Paper Award – 13th Foundation of Islamic Finance Conference (FIFC 2024) organized by INCEIF

🏆 Best Paper and Best Presenter Award – International Conference on the Synergy of Islamic and Multidisciplinary Approaches (ICISMA 2026)

Hamdan officially joined M&T Consultants, Islamic Co. in 2025 as part of our growing pool of core consultants and lecturers, and has since contributed to several capacity development initiatives for both industry players and emerging Islamic finance stakeholders in the Philippines, including engagements involving Islamic banking, Shari’ah audit, fintech, and microfinance structuring.

Participants can expect a dynamic and engaging learning experience grounded on both strong Shari’ah foundations and practical industry exposure — an important starting point for anyone aspiring to build competence in Islamic finance.

📌 Limited slots remaining for the AQIF Open Cohort 2026 – Online Track.

Register now through: https://tinyurl.com/4srnbeff

⏳ Deadline of registration: June 5, 2026

16/05/2026

📚Get to Know the AQIF Program

Now that enrollment is underway, let’s lift the curtain on what you’ll actually be mastering.

Welcome to IF Career Pathways in Focus!

This segment is all about looking under the hood of the industry's top qualifications.

First up: A complete breakdown of the Associate Qualification in Islamic Finance (AQIF) program of the Islamic Banking and Finance Institute Malaysia (IBFIM) delivered in the Philippines by M&T.

📌 Flip through the attached guide to explore!

📝 Ready to begin your AQIF journey? Register here: https://forms.cloud.microsoft/r/n8ZBYDTfNR

13/05/2026

M&T and Fintech Alliance PH’s initiative to digitize Islamic finance in the Philippines is becoming even more relevant as Fintech Alliance PH prepares to host Manila Tech on July 28–29, 2026 in Manila, as part of the Philippines’ ASEAN 2026 Chairship under the theme “Navigating our Future, Together.”

The initiative supports ASEAN’s push for deeper digital integration and financial inclusion, especially with the anticipated launch and signing of the ASEAN Digital Economy Framework Agreement (DEFA). As the region accelerates fintech innovation, interoperable payments, and digital trade, digitized Islamic finance could help expand ethical, inclusive, and technology-driven financial services across underserved communities in the Philippines and across Southeast Asia.

https://fintechnews.ph/71358/banking/fintech-alliance-mt-consultants-ethical-finance-partnership/

The partnership aims to accelerate the development of Islamic fintech across the Philippines to promote inclusive economic growth.

12/05/2026

May 12, 2026 | BGC, Taguig City

M&T Consultants, FinTech Alliance PH Ink Landmark Deal to Scale Islamic Fintech and ASEAN Integration

In a major step toward ethical innovation, FinTech Alliance PH and M&T Consultants, Islamic Co. officially signed an MOU today to strengthen the Philippine Islamic finance ecosystem. The partnership aims to modernize and digitize Islamic Finance bringing Shari’ah-compliant financial solutions directly to the fingertips of both Muslim and non-Muslim Filipinos.

Beyond domestic expansion, this collaboration unlocks opportunities for true ASEAN integration, positioning the Philippines as a competitive player alongside neighbors with mature Islamic financial systems. The parties also committed to supporting regulators in their efforts to champion a robust and inclusive financial environment nationwide.

By facilitating technical advisory and global certification pathways, the partnership ensures that the country’s digital finance landscape remains aligned with international standards while driving regional socio-economic growth.



Read full news here 👉 https://m-and-t-islamic.com/mt-consultants-and-fintech-alliance-ph-ink-landmark-deal-to-scale-islamic-fintech-and-asean-integration/

08/05/2026

BARMM: A Strategic Partner in the ASEAN & BIMP-EAGA Islamic Economy 🌏

The Bangsamoro Autonomous Region in Muslim Mindanao (BARMM) under the leadership of Hon. Chief Minister Abdulraof Macacua continues to strengthen its position as a vital strategic partner in regional economic cooperation.

With the Philippines recently chairing the ASEAN Summit and with the active participation of BARMM, the region is reinforcing its role as a key gateway to the ASEAN and BIMP-EAGA economic landscape. As this regional engagement expands, the development of robust Islamic Finance capabilities is essential to deepening these partnerships and ensuring inclusive growth.

🏆 A Collaborative Regional Milestone: The Enhanced AQIF

The enhanced Associate Qualification in Islamic Finance (AQIF), launched during the Global Islamic Finance Forum (GIFF) 2025, is a prime example of this regional synergy.

The enhanced AQIF is the result of co-development by a powerhouse coalition of partners from the Philippines, Singapore, Brunei, and Indonesia. This cross-border collaboration ensures that our local professionals hold a credential that is recognized and respected across the entire ASEAN bloc, aligning local talent with regional opportunities.

How AQIF Supports the Bangsamoro Strategic Mission?

By professionalizing our workforce, we strengthen the pillars of a resilient and collaborative economy:
✅Halal Industry & Trade: Driving competitiveness and integration in global Halal markets.
✅Ethical Financial Systems: Championing inclusive finance rooted in Shari’ah principles.
✅MSME & Entrepreneurship: Empowering local enterprises to engage in cross-border trade.
✅Islamic Social Finance: Enhancing the impact of Zakat and Awqaf for community welfare.
✅Institutional Partnerships: Building the technical foundation for stronger regional investments.

📍 Making Global Expertise Accessible
Alhamdulillah, world-class Islamic Finance education is now within reach for every Filipino.

Through our ongoing commitment to capacity building, M&T Consultants, Islamic Co. is humbled to facilitate access to the AQIF in the Philippines and BARMM. We are dedicated to ensuring that the Bangsamoro remains a meaningful and decisive contributor to the thriving ASEAN Islamic economy. In shaa Allah.

01/05/2026

Jumu’ah Reflection: Kaya Mo Bang Ibalik?

“Indeed, Allah commands you to render trusts to whom they are due…” (4:58)

✅ Kung may hiniram ka, ibabalik mo ba agad?
✅ Kung walang nakakakita, magiging honest ka pa rin ba?
✅ Kung may tiwalang ibinigay sa’yo, aalagaan mo ba?

Yan ang Amanah.

Sa Islamic finance, ganito rin, tiwala ng iba ang hawak, kaya dapat may integrity, fairness, at accountability.

Hindi lang ito about compliance, it's about doing what is right, even when it’s hard.

Because when people keep their trust, nagiging mas just and fair ang buong sistema.

Ikaw, pasado ka ba sa amanah test today?

Connect with us:

📧 [email protected]
🌐 www.m-and-t-islamic.com
📱 +63 917 655 0909
📘 m&t consultants, islamic co.

01/05/2026

Strategic Horizons: More Than a Webinar. It’s Your Future in Islamic Finance.🌱

Are you wondering what Islamic finance is really all about?

Is it something you’ve been meaning to explore - but don’t know where to begin or how to move forward?

As Islamic finance gains momentum in the Philippines, it opens the door to being part of a global industry valued at over USD 4 trillion. Yet, one of the biggest challenges remains: THE TALENT GAP.

While many conventional players are beginning to take interest, there is still a growing need for accountants, lawyers, auditors, bankers, and other professionals to develop the right knowledge and skills to participate meaningfully in this space.

Whether you are building your early career or refining years of experience, this session serves as your roadmap to advancing in Islamic finance with clarity and direction.

This is not about starting over!
It is about elevating what you already have - and aligning it with a values-driven financial system.

Strengthen your technical and Shari’ah integration.
Position yourself for leadership, specialization, and global opportunities.

This is your pathway - whether you aim to become a specialist, advisor, auditor, banker, regulator, or industry leader.

Don’t just work. Advance with purpose.
Don’t just grow. Lead with impact.

🔗 Register here: https://forms.office.com/r/ZWnym1eFdX

📅 June 13, 2026 — Junior Professionals
📅 June 20, 2026 — Senior Professionals

Exclusive Session for Junior & Senior Professionals

30/04/2026

Bridging Global Expertise with Philippine Context

Empowering the next generation of Islamic Finance experts to solve real-world challenges is at the heart of what we do. At M&T, we believe that strengthening the Zakat ecosystem requires more than just academic insight - it requires a blend of rigorous governance, digital innovation, and a long-term socioeconomic vision tailored to our local landscape.

Our recent Action-Based Learning (ABL) collaboration with I N C E I F University is a testament to this commitment. We don’t just draft reports; we build systems designed for scalable impact. By integrating Shari’ah-compliant microfinance and digital transparency, we are helping transition Zakat from a simple distribution mechanism toward a "progressive" system that empowers beneficiaries toward lasting self-sufficiency.

This collaboration is a vital piece of our broader Islamic social finance engagements. We are happy to bring these insights forward in our current and upcoming works with our regional and national movers as we continue steering these initiatives to drive meaningful, Shari’ah-by-design change in the Philippines.

Together, we are transforming theoretical frameworks into institutional realities.

Turning Islamic social finance into real, scalable impact.

Our recent Action-Based Learning (ABL) collaboration with M&T Islamic Co. brought together two student consulting groups to explore how Zakat can be strengthened as a system—not just a distribution mechanism in the Philippines.

The outcome goes beyond academic insights. It offers practical directions for industry and society:

🔹 Shifting from short-term aid to “progressive Zakat” that supports long-term socioeconomic upliftment
🔹 Strengthening governance and institutional alignment for a more structured ecosystem
🔹 Leveraging digital solutions to improve efficiency, transparency, and accessibility
🔹 Integrating Shariah-compliant microfinance to empower beneficiaries toward self-sufficiency
🔹 Enhancing reporting and disclosures to build trust and credibility

These are not just ideas, they are actionable pathways being explored with key stakeholders to drive meaningful change.

This is the essence of ABL: developing solutions that don’t just stay in reports, but contribute to real-world impact.

29/04/2026

💳 Is it Permissible to Use Your Credit Card for Others with Deferred Interest?

Many of us want to help friends or family by using our credit cards for their purchases, especially when they plan to pay us back later with an additional amount. But does this align with Islamic principles?

The Bangsamoro Dārul-Iftā’ (BDI) has released Fatwa No. 9, Series 2026, addressing this transaction.

⚠️ The Ruling: The BDI has ruled that using your credit card for another person in exchange for a deferred interest (an additional payment upon repayment) is RELIGIOUSLY PROHIBITED.

Why?
1. It is Usury (Riba): The transaction is essentially a loan that brings a benefit to the lender, which falls under An-Nasī’ah.
2. Invalid Sale: One cannot sell what they do not yet possess.
3. Scholarly Rule: "Every loan that brings a benefit is usury."

✅ The Halal Alternatives: Helping others doesn't have to be complicated! There are two Shari’ah-compliant ways to facilitate these transactions.

1. Murābaha (Cost-Plus Financing): Buy the item first (cash/debit). Once you own it, you may sell it to the beneficiary at a known, fixed deferred price.

2. Wakālah (Agency Sale): Act as the agent for payment. You receive the exact amount back, but you may charge a fixed, known fee for your service that does not change regardless of the debt amount or duration.

Together, let's build a financially empowered and Shari’ah-compliant Bangsamoro.🌙✨

🔗 For a deeper understanding, you may access the detailed Fatwa in English, Arabic, and Filipino here: https://bit.ly/4cCRB17

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Disclaimer: This Fatwa specifically addresses the transaction described - letting others use a credit card in exchange for deferred interest-and does not cover the general usage of credit cards itself and in other contexts.