Introduction

**Dr. Muhammad Luthfi bin Mohammad Masruh** is a distinguished scholar in the field of Islamic Finance, currently contributing his expertise as a researcher and educator. Having recently completed his PhD at the prestigious Islamic University of Madinah, Dr. Luthfi has focused his academic pursuits on the developmental role of Islamic organizations, specifically examining the Islamic Religious Council of Singapore. His doctoral thesis, which earned him first-class honors with a GPA of 4.91, reflects his deep commitment to advancing understanding within this field.

Dr. Luthfi's academic journey is marked by exceptional achievements, including a Master's degree in Islamic Finance, where his research explored the impact of health insurance on Singapore's health economy. This work was recognized with second-class honors, underscoring his analytical acumen and dedication to addressing complex socio-economic issues through the lens of Islamic finance. His foundational education in Islamic Law laid the groundwork for his profound appreciation of jurisprudence, earning him a distinction and solidifying his role as a thought leader in the discipline.

Beyond academia, Dr. Luthfi has made significant contributions through various educational and leadership roles. His tenure as an educator in Indonesia and Malaysia saw him imparting knowledge across diverse subjects, while his service as a translator for the Ministry of Haj in Saudi Arabia highlighted his linguistic proficiency and cultural adaptability. Dr. Luthfi's active engagement with the Singaporean community in Jeddah through private Islamic classes further exemplifies his dedication to fostering Islamic knowledge and understanding. Recognized by the Islamic Religious Council of Singapore under the Asatizah Recognition Scheme, Dr. Luthfi continues to inspire and educate, bridging communities and enriching the discourse on Islamic finance and law.

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