Saadiq partner

Raphael Saadiq Girlfriend/ Boyfriend/ Partner. Stars are public figures but they also have a private life. After fame gets to you your personal life gets messy. People really want to know about celebrity spouses and why do they want it? I have no clue. Especially, if the celebrities are lesbian or gay, there is an extra pressure to handle the ... Raphael Saadiq was the second-youngest of 14 siblings and half-siblings and, as a child, he faced the deaths of several siblings. However, Saadiq claims he never wanted his music to reflect the tragedies he has been through. Rachel Maddow With Partner Susan Mikula. RACHEL MADDOW gets to know about her homosexuality at the age of 17. At that time, she was a freshman nat Stamford. She met artist and her partner Susan Mikula while working odd jobs in Massachusetts. She lives with her girlfriend, Susan, in New York and Massachusetts. Saadiq’s father, Charlie Wiggins, was a former super-lightweight boxer who played blues guitar sang in a voice like Sam Cooke’s, but chose family and a steady job over a career in music. He ... But the pair, along with Saadiq’s writing partner Taura Stinson, harnessed the theme of unity for the ballad, which earned all three an Academy Award nomination for best original song -- on top ... Sophia created Unlock Her Potential, a program that provides mentorship for women of color. Sophia Chang is the music business matriarchitect who managed Ol’ Dirty Bastard (RIP), RZA, GZA, D’Angelo, Raphael Saadiq, Q Tip, and A Tribe Called Quest as well as working with Paul Simon. The Saadiq has been the youngest of the 14 siblings and was born in Oakland, California. Saadiq mastered the bass guitar when he was six and he started when he was nine in a gospel group singing. Days prior to his 18th birthday in 1984, Saadiq moved into the auditions and learned about tryouts at San Francisco. Saadiq Savings and Term Accounts are based on the Islamic principle of “Mudarabah”. Mudarabah is a special kind of partnership where one party gives money to another party for investing it in a business. The partner who invests is called Rab-ul-Mal (Investor), and the partner who looks after management is called Mudarib (Working Partner). What Prince Made Raphael Saadiq Do. The hilarious part is that Saadiq says in order to be in the band, he really had to become one of “The Blouses” that the late Charlie Murphy once spoke about in his infamous “Chappelle Show” skit. Check out what Saadiq said below… “To be in the band you had to wear a ton of make-up, it was mandatory.

Final 2020 3 rd. Mock (thank the stars)

2020.04.20 20:23 HawkFan907 Final 2020 3 rd. Mock (thank the stars)

There are a lot of rumors flying around, and by the time I post this there will probably be more. Feel free to criticize the picks but the absolute WORST comments out there are "No way Team A passes on Player A there", or "Player A is so much better than Player B"
If you criticize, back it up with some knowledge. Some thing like "Team A doesn't draft players like Player A because..." It makes us smarter.
I also include Benjamin Robinson's Expected Draft Position (EDP). It's a conglomeration of all of the experts mock drafts. Very valuable resource this time of year.
You'll probably see some unfamiliar names at the end of Rd. 3. I tried to mix things up a bit as that is the part of the draft where things get weird.

- NYG want either Wirfs, Simmons, Brown
- Andrew Thomas and CJ Henderson in Top 10
- Denzel Mims in Rd. 1; WR4 for some teams
- Seahawks and 49ers trading down out of Rd. 1
- Falcons trying to move up for Kinlaw
- Miami higher on Herbert than Tua
- Falcons trading up for Kinlaw
- Cleveland trading down for Ezra Cleveland
- Mekhi Becton slipping to OT4
- Tua falling because of injuries
- Reggie Robinson rising
- NFL higher on AJ Terrell than media
- K'Lavon Chaisson slipping to late Rd. 1


- Titans trading out of RD. 1 and going with a RT
- NYG considering taking Herbert
- Chiefs trading up for Ruggs (lol)
No future picks involved because this year is such a weird situation with Big Rona out and about that you don't sacrifice your future due to present unknowns. The score is calculated by using the Jimmy Johnson Trade chart. Typically, the team trading up has to give up slightly more value to make the cost of moving back worth it.

CLE 1.10 (1300) - MIA 1.18, 2.39 (1410) Score - 1.08 Cleveland
SF 1.13 (1150) - ATL 1.16, 3.78 (1200) 1.02
TB 1.14 (1100) - PHI 1.21, 2.53 (1170) 1.06
SF 1.16 (1000) - LV 1.19, 3.91 (1016) 1.02
NO 1.24 (740) - LAC 2.37, 3.71 (765) 1.03
SEA 1.27 (680) - CLE 2.39, 3.74 (730) 1.02
SF 1.31 (600) - IND 2.34, 4.122 (610) 1.02
CHI 2.50 (400) - SEA 2.59, 3.101 (406) 1.02
SEA 3.74 (220) - DAL 3.82, 5.164, 5.179 (233.2) 1.06

1. CIN - Joe Burrow QB LSU EDP: 1.1 DRAFT INVITE
Obvi pick. Sneaky good O next year.

2. WAS - Chase Young DE Ohio St. EDP: 2.1 DRAFT INVITE
Who you going to double team? Like the DL equivalent of the Warriors adding Durant.

3. DET - Jeff Okudah CB Ohio St. EDP: 4.4 DRAFT INVITE
Nah Miami, don't trade up. No one has the balls to trade up for an injured QB. Detroit lands a huge stud.

4. NYG - Tristan Wirfs OT Iowa EDP: 7 DRAFT INVITE
I'm worried Gettleman will forget to blur his background on Zoom and you will get a glimpse of not only his draft board, but his Lizzo posters as well. I know that Simmons seems to be the rumor of the day, but Gettleman likes his big boyz. OT is also their biggest need.

5. MIA - Justin Herbert QB Oregon EDP 7.1 DRAFT INVITE
Tua stans hate me but this is the rumor right now. Last year no one thought Jones would go at six, but alas....

6. LAC - Andrew Thomas OT Georgia EDP: 12.5 DRAFT INVITE
Solid all around LT prospect. High floor. Imagine Okung, now imagine him healthy and in his prime. Rumors and fit give me lots of confidence in this pick.

7. CAR - Isaiah Simmons LB Clemson EDP: 5.6 DRAFT INVITE
Their D needs work, and the Taysom Hill (lol) of the defense is ready to make plays err'where

8. ARI - Derrick Brown DT Auburn EDP: 8.7 DRAFT INVITE
Game wrecker. Imagine Chandler Jones sack numbers with Brown clogging up and pressuring from the middle.

9. JAX - CJ Henderson CB Florida EDP: 14.5 DRAFT INVITE
A small reach, but a local kid fills their biggest hole. Rumor mill seems to agree.

10. MIA (TRADE) - Jedrick Wills OT Alabama EDP: 9.3 DRAFT INVITE
Trade up!!!! Move to get a legit OT. At worst is a Pro Bowl guard.

11. NYJ - Mekhi Becton OT Louisville EDP: 9 DRAFT INVITE
I'm not as high on him as others, but he fills their biggest need. How long until Gase gets fired?

12. LV - Jerry Jeudy WR Alabama EDP: 12.6 DRAFT INVITE
Who needs Amari cooper, when you can get a better version of him on a rookie deal?

13. ATL (TRADE) Javon Kinlaw DT South Carolina EDP: 13.8 DRAFT INVITE
Trade Up!!! The rumor comes to fruition and they grab Kinlaw.

14. PHI (TRADE) - CeeDee Lamb WR Oklahoma EDP: 12.8 DRAFT INVITE
Trade up!!! A hefty price, but this is the year to do it (u know, cuz Rona). Perfect piece for that offense.

15. DEN - Henry Ruggs WR Alabama EDP: 13.7 DRAFT INVITE
WRs are pushed down and Denver comes away with the one who fits their offense the best.

16. LV (TRADE) - Tua Tagovailoa QB Alabam EDP: 4.4 DRAFT INVITE
:( He drops only because of injury concerns. Chargers could snag him up, but find a plug and play starter with Thomas. Raiders move up a few spots and grab their QB of the future.

17. DAL - AJ Terrell CB Clemson EDP: 30.3 DRAFT INVITE
NFL seems higher on him than the media, but they are coming around now.

18. CLE (TRADE) - Ezra Cleveland OT Boise St. EDP: 42.1 DRAFT INVITE
Trade Down!! Reach Alert!!! Remember, analytics are back in the building and this guy rates as an extremely athletic player. Another rumor comes true.

19. SF (TRADE) - Denzel Mims WR Baylor EDP: 25.1 DRAFT INVITE
The NFL loves him and he has the speed to play in this O.

20. JAX - Xavier McKinney FS Alabama EDP 23.2 DRAFT INVITE
Here's a safety. They need help. Remember, tanking teams always build their defense first.

21. TB (TRADE) - Austin Jackson OT USC EDP 28.6 DRAFT INVITE
They get a great 2nd round pick once all top tier O lineman are gone. Jackson has the tools to be great. Worst case scenario, but at least they grab some more picks.

22. MIN - Justin Jefferson WR LSU EDP: 20.6 DRAFT INVITE
Diggs replacement. Good luck guarding him and Thielen.

23. NE - Cesar Ruiz IOL Michigan EDP: 30.1 DRAFT INVITE
Best IOL in the draft. Belichek zigs when others zag.

24. LAC (TRADE) - Jordan Love QB Utah State EDP: 22.5 DRAFT INVITE
Trade Up!!! They find a willing trade partner who needs picks. Love can sit behind Taylor. They get a great QB and a top OT.

25. MIN - Noah Igbinoghene CB Auburn EDP: 42.1 DRAFT INVITE
Why him? IDK I liked his tape.

26. MIA - K'Lavon Chaisson DE LSU EDP: 18.4 DRAFT INVITE
Why do I have him here? Pass Rush Win Percentage. It is abysmal. He is "toolsy" but he didn't produce. Screams Dion Jordan or Barkevious Mingo to me instead of a developmental star.

27. CLE (TRADE) - Antoine Winfield Jr. FS Minnesota EDP: 39.9 DRAFT INVITE
Trade Up!!!! Analytics strike again! Move him to any S position or NCB and he will thrive.

28. BAL - Kenneth Murray OLB Oklahoma EDP: 24.2 DRAFT INVITE
LB2 falls right into their lap. Leadership abilities not seen since Ray Lewis. Interviews alone could land him 10 spots earlier. Sometimes plays blind.

29. TEN - AJ Epenesa DE Iowa EDP: 28.3 DRAFT INVITE
Some people love him. I don't. Good production, poor combine. But on a line where he can be an interior rusher on third down, it is a great fit.

30. GB - Jalen Reagor WR TCU EDP: 35.4 DRAFT INVITE
They should take a WR in the first rd. this year and blow everyone's pants clean off. Compliments Adams well and is terrific after the catch. Also, can return.

31. IND (TRADE) - Michael Pittman WR USC EDP: 64.4 DRAFT INVITE
Pittman in Rd. 1? Not a lot of mocks have this, but they should. He is right in that Jefferson, Higgins, Mims tier. Seems like a Colts type pick.

32. KC - Kristian Fulton CB LSU EDP: 24.2 DRAFT INVITE
This should be his range. Has flashes of greatness and lousiness.

33. CIN - Josh Jones OT Houston EDP: 23.1 DRAFT INVITE
Solid OT pickup right here. He can grow together with Burrow.

34. SF (TRADE) - Trevon Diggs CB Alabama EDP: 30.2
Could he be the next Sherm? This is what roster mirroring looks like.

35. DET - Zack Baun DE Wisconsin EDP: 31.3
No Draft Invite is concerning, but the potential is there.

36. NYG - Yetur Gross-Matos DE Penn St. EDP: 26.9 DRAFT INVITE
The league seems lower than the media on him. Weak DE class overall. Nothing against him though.

37. NO (TRADE) - Patrick Queen LB LSU EDP: 25.1 DRAFT INVITE
Trade back and STILL landing the player they probably would have picked with 24? Karma is finally helping for once.

38. CAR - Jaylon Johnson CB Utah EDP: 39 DRAFT INVITE
Talent all around, but injuries this year introduce unknowns. Not in "win now" mode so they make this based on upside.

39. SEA (TRADE) - Joshua Uche LB/DE Michigan EDP: 68.9 DRAFT INVITE
Reach Alert!!! They are big on pass rush win percentage and he excels here. Also has the arm length they require. And they love Michigan prospects.

40. HOU - Marlon Davidson DE Auburn EDP: 53.6
Fits their mold of D Lineman. That's my analysis.

41. CLE - Julian Okwara DE Notre Dame EDP: 60.8 DRAFT INVITE
Pass rush ability. Great pass rush win percentage. Knows how to win. Some injury concerns.

42. JAX - Isaiah Wilson OT Georgia EDP: 47.3
Big boi who will solidify one of their OT spots. Could probably play either side. IDK, I'm not an expert. Start him on the right side right away. Was listed as a need on multiple sites.

43. CHI - Jeremy Chinn S Southern Illinois EDP: 43.5
Small school no one has heard of? Check. Freak athlete? Check. This Pace pick might actually work out. I'd take him in the first if I could.

44. IND - Jake Fromm QB Georgia DRAFT INVITE
Reach Alert!!! Too Early? Football IQ is through the roof, and seems like the kind of guy that Reich would like.

45. TB - D'Andre Swift RB Georgia EDP: 33.2 DRAFT INVITE
"Man this guy must hate RBs" Yeah I do. He could be fun in Tompa Bay.

46. DEN - Lloyd Cushenberry OC LSU EDP: 51.9 DRAFT INVITE
2nd best IOL in this class. Solid player.

47. ATL - Jeff Gladney CB TCU EDP: 30
They address their largest need here with a great pickup.

48. NYJ - Tee Higgins WR Clemson EDP: 32.1 DRAFT INVITE
Higgins has taken a big hit since the combine. The Jets get Darnold a weapon.

49. PIT - Ross Blacklock DT TCU EDP: 33.9 DRAFT INVITE
They need to replace Hargreave and they do here.

50. SEA (TRADE) - Justin Madubuike DT Texas A&M EDP: 51.6 DRAFT INVITE
Trade Up!!! They grab an athletic D Lineman who will slot in beautifully next to Reed.

51. DAL - Grant Delpit S LSU EDP: 33.3 DRAFT INVITE
What a fall. Top 10 lock at the beginning of the season to outside the top 50. You got to feel for the guy.

52. LAR - Jonathan Taylor RB Wisconsin EDP: 37 DRAFT INVITE
To replace a broken down Gurley with a blue chip talent like Taylor is insane. Fumble issues are his only concern.

53. TB (TRADE) - Kyler Dugger S Lenoir Rhyne EDP: 56.4
They needed safety help and grab a small school steal in Dugger

54. BUF - Curtis Weaver DE Boise St. EDP: 67.7
Absolutely dominant pass rusher in college, but is such a weird prospect overall. Buffalo will make us of him.

55. BAL - Laviska Shenault WR Colorado EDP: 37.1 DRAFT INVITE
This is a crazy steal, but could also flame out spectacularly. Such a weird year for prospects with injuries.

56. MIA - Clyde Edwards-Helaire RB LSU EDP: 57.7
Clyde the Glide lands with the Dolphins. Will be a game changer.

57. LAR - Prince Tega Wanogho OT Auburn EDP: 63.8 DRAFT INVITE
Injury prone but uber talented. Can learn from Whitworth.

58. MIN - John Simpson G Clemson EDP: 93.9
Reach Alert!!! Great tester, and has good film. I'm much higher on him than most.

59. CHI (TRADE) - Damon Arnette CB Ohio St. EDP: 51.7
After a trade back with Seattle, they land another piece to fix that secondary.

60. BAL - Bradlee Anae DE Utah EDP: 89
Reach Alert!!! Teams are all over the map on him. Technically sound and relentless, but not athletic. Ravens take a shot on him with their crazy blitz packages

61. TEN - Brandon Aiyuk WR Arizona St. EDP: 37.8 DRAFT INVITE
Steal Alert!!! Let Tanehill Cook.

62. GB - Willie Gay Jr. LB Miss. St. EDP: 83.5
Some red flags (cheating on test, punching QB in lockerroom) but needs to be in the conversation with Murray and Queen for LB2 (talent only)

63. KC - Jordyn Brooks LB Texas Tech EDP: 74.6
They need speed in a bad way and Brooks can fly.

64. SEA - Robert Hunt OT Louisiana EDP: 68.3
Injuries could cause a fall, but he is as talented as any lineman outside of the Big 4. If healthy, could start over Shell.

65. CIN - KJ Hamler WR Penn St. EDP: 56.6
Extremely dynamic receiver in the John Ross mold. Drops because of his drops.

66. WAS - Chase Claypool WR Notre Dame EDP: 68.8 DRAFT INVITE
No more Jordan Reed or Vernon Davis. A young QBs best friend is his TE (or in this case WTE combo) .

67. DET - Lucas Niang OT TCU EDP: 68.2
Such good tape in 2018 and played hurt in 2019. Will be a steal if healthy.

68. NYJ - Terrell Lewis DE Alabama EDP: 47 DRAFT INVITE
Steal Alert!!! Injuries push him down the board. Has everything you want but in a year where you can't get solid medicals... yikes.

69. CAR - Neville Gallimore DT Oklahoma EDP: 48 DRAFT INVITE
Steal Alert!!! Crazy athletic, but is he disciplined enough to make a leap? This is CAR arguably biggest need and they get a potential stud.

70. MIA - Ashtyn Davis S Cal EDP: 72.6
A safety has to fall, and Davis is the choice. Flashes first rd. talent, but makes fifth rd. mistakes

71. NO - Bryce Hall CB Virginia EDP: 69.1
Big, if healthy

72. ARI - Matt Peart OT UConn EDP 81
Uber Athletic OT could develop into a legit starter in 2-3 years.

73. JAX - Jacob Eason QB Washington EDP: 60 DRAFT INVITE
Ahhh yes. Push Minshew some. Could be a QB of the future if he plays his cards right.

74. DAL (TRADE) - Raekwon Davis DT Alabama EDP: 70.7
Such good tape early on in his career.

75. IND - Adam Trautman TE Dayton EDP: 86.4
Solid blocker, great short area quickness. They need some more weapons on O. Why not Kmet? Idk.

76. TB - Jordan Elliot DT Mizzou EDP: 73.1
Raw, but flashes excellence. Perfect pair with Vita.

77. DEN - Ben Bartch OT St. John's EDP: 99.7
Uber athletic raw tackle who could learn behind Bolles for a year, as long as he doesn't pick up the ability to hold.

78. SF (TRADE) - Jonah Jackson G Ohio St. EDP: 89.7
Solid all-around guard. Mediocre testing numbers scare off some teams.

79. NYJ - Cameron Dantzler CB Miss. St. EDP: 69
You see his Pro Day????

80. LV - K'Von Wallace S Clemson EDP: 122
Reach Alert!!! Mayock <3 Clemson

81. LV - Reggie Robinson CB Tulsa EDP: 139
A true wildcard in this draft. Could have a James Bradbury type rise into late Rd. 2 or go in Rd. 6.

82. SEA (TRADE) - JK Dobbins RB Ohio St. EDP: 49.3 DRAFT INVITE
Seahawks Twitter would lose it. Yes I hate RBs.

83. DEN - Akeem Davis-Gaither LB Appalachain St. EDP: 89.7
More speed on that D

84. LAR - Jabari Zuniga DE Florida EDP: 89.9
Steal this late

85. DET - Jason Strowbridge DT UNC EDP: 136.3
Reach Alert!!! Inside out rushing ability

86. BUF - Saadiq Charles OT LSU EDP: 122.2
Reach Alert!!! Red Flags but athleticism for days. Train him up for a year and you have a solid starter.

87. NE - Cole Kmet TE Notre Dame EDP: 56.7 DRAFT INVITE
Poor TE class, but they could develop Kmet into something awesome.

88. NO - Van Jefferson WR Florida EDP: 107
Thomas, Sanders, and Jefferson with Brees? Unstoppable.

89. MIN - Amik Robertson NCB Louisiana Tech EDP: 116
Reach Alert!!! Zimmer loves him some CBs

90. HOU - Bryan Edwards WR South Carolina EDP: 101.6
If his injuties heal, this will be a steal that will compliment their current corps

91. SF (TRADE) - Davon Hamilton DT Ohio St. EDP: 90.2
The rich get richer.

92. BAL - Matt Hennessy IOL Temple EDP: 63.4
Awesome center that falls a bunch for no reason. Probs a medical reason no one knows about.

93. TEN - Leki Fotu DT Utah EDP: 108.4
Beef. Fits extremely well next to Simmons.

94. GB - Cameron Clark OT Charlotte EDP: 201.7
Big reach, but much better than people give him credit for. Shined against Clemson.

95. DEN - Michael Ojemudia CB Iowa EDP: 128.7
New age OCB. Long and with ball skills, but still raw.

96. KC - Hakeem Adeniji IOL Kansas EDP: 133
Reach Alert!!! Also really high on him. Kick him inside to guard and he will improve his game, and still have that versitality.

97. CLE - Ben Bredeson IOL Michigan EDP: 105.8
More competition inside at G.

98. NE - Jonathan Greenard DE Florida EDP: 78.9
Steal Alert!!! More EDGE depth

99. NYG - Terrell Burgess S Utah EDP: 112.9
FS and Nickel DB. Might be a steal going this late.

100. NE - Logan Wilson LB Wyoming EDP: 115.3
He's good, and rumor has it the NFL is much higher on him than the media.

101. CHI (TRADE) - Damien Lewis G LSU EDP: 90.6

102. PIT - Donovan Peoples-Jones WR Michigan EDP: 86.3
Some players just fall, but in this case, they fall into the perfect situation.

103. PHI - Troy Dye ILB Oregon EDP: 89.7
Some speed is needed in the front 7

104. LAR - Alex Highsmith DE Charlotte EDP: 133.4
Reach Alert!!! Production is through the roof and tested just fine

105. MIN - Jack Driscoll OT Auburn EDP: 146
Reach Alert!!! Just an OT for some depth. Some people like him, I'm just meh

106. BAL - Thaddeus Moss TE LSU EDP: 122.4 DRAFT INVITE
Hmmm a TE to Baltimore huh? Let Lamar cook.
submitted by HawkFan907 to NFL_Draft [link] [comments]


Introduction Business or company valuation is a process and a set of procedures used to estimate the economic value of an owner’s interest in a business. Valuation is used by financial market participants to determine the price they are willing to pay or receive for an interest in the company or business. The rapid advancement in Blockchain technology opens a host of possibilities to build a comprehensive financial services ecosystem in an open and transparent manner. Tapping into this technology, iP2PGlobal aims to introduce a global solution to provide affordable and accessible financing to borrowers and attractive risk-adjusted returns to lenders. iP2PGlobal plans to develop a peer-to-peer (“P2P”) financing platform using smart contracts and blockchain technology called iP2PGlobal Personal Financing Platform. This Platform will bring together borrowers and lenders from all over the world and connects them on a single platform in a trusted, fast and easy manner. In this review we look at the key components of the iP2PGlobal Personal Financing Platform and the people behind the company to determine the company’s capabilities and capacity to weather the challenges of delivering its project, developing its business and in doing so hopefully provide some market guidance to investors and partners on a fair valuation of the TWQ Token. PEOPLE A. Management team Rashdan Ibrahim - Chief Executive Officer Rashdan has over 24 years of working & entrepreneurial experience, he has worked with household names like Petronas, Deutsche Bank, & Arab Real Estate Co. KSC, throughout South East Asia & the Middle East. Muhammad Radzi - Chief Operating Officer Radzi has over 27 years work and management experience in the consumer finance and factoring finance industries, he was also the co-founder of two Shariah-compliant factoring companies in Malaysia. Afdha Yusof - Chief Marketing Officer Afdha Yusof has over 15 years of experience in Human Resource and Talent Acquisition in some of the top MNC companies in Southeast Asia and Middle East. Derek Lee - Head of Business Development With over 31 years of working experience in banking treasury and factoring financing. He has worked with household names like DBS, Citibank & Deutsche Bank. Azli Noor - Head of Legal & Compliance Trained as a lawyer, Azli has over 25 years working experience of which 17 years was in investment banking and trusts industries. James Loy - Head of Credit Risk Management James has over 22 years of working experience of which 15 years was as an investment banker in one of the largest banks in Malaysia. ASSESSMENT: The management team of iP2PGlobal are predominantly from the banking and finance sector. A closer look at the key managers reveal that they are seasoned professionals in their fields with established track records in conventional banking and finance both in the debt capital and equity markets. The project that they are currently pursuing represents only a small taste of what the management team has experienced and is most likely capable of undertaking. It is quite likely that the team will be looking into migrating other financial products and solutions from the conventional market to the blockchain in the near future. This bodes well for the TWQ Token as its function as a utility token will not be limited to the Crypto Loan product but be expanded into other products and solutions which will invariably increase the demand for the TWQ token and thus apply upward pressure on the TWQ token price in the market. Unlike many projects that have come into the ICO/IEO market, iP2PGlobal has real people with qualifications, expertise, and experience in the field relevant to developing the P2P Loan Platform of this project. For new entrants and people from the conventional financial services sector who are just discovering the blockchain and crypto, it may provide some comfort to these new participants to see seasoned conventional financial professionals who have migrated to the crypto world ahead of them. It is encouraging and builds on the credibility as well as sends a signal to the conventional financial services sector that the blockchain and crypto is something they should not ignore. B. Advisors Dr Ahcene Lahsasna Currently the CEO of Salihin Advisory & he also sits in the shariah advisory committee for Standard Chartered Saadiq Bank & Re-takaful. Dr Ahcene has authored more than 20 books and is the recipient of the Global Business Leadership Award in Islamic Finance in 2017 & 2019. Azzizi Mohamad Ghazi Having a long Treasury experience with the largest bank in Malaysia, Maybank and with government owned Valuecap. Azzizi is a co-founder & Managing Director of AbleAce Raakin. He is a member of the Financial Market Association of Malaysia. Azaraie Mohamad Ghazi A chemist by profession, Azaraie co-founded AbleAce Malaysia in 1997. He was part of the group that co-founded AbleAce Raakin in 2006. He is a member of Malaysian Oil Scientists’ and Technologists’ Association (MOSTA). Scott Phillips With more than 25 years’ industry experience, Scott is Co-Creator of Smooth Retirement™. He has worked in various senior roles at Westpac, StatePlus (formerly State Super Financial Services (SSFS)), Bank SA, NEO Financial Solutions and Commonwealth Bank. Azmin Hassan With more than 18 years’ experience in banking, venture capital and private equity, Azmin has amassed various experiences in the oil & gas, general aviation, wireless infrastructure and real estate industry. He is the founding member of Qyrin Petroleum Technology. Abdul Rahman Ibrahim A computer science major, Abdul Rahman has worked in the animation and telecommunication industries household names such as Rhythm & Hues, Anima Vitae and Xoxzo (Japan). ASSESSMENT: iP2P Global has clearly stated that it will collaborate and work with partners who are subject matter experts (SME) in key areas where the management team believes it should leverage the best available technologies and practices in the market. There is no sense in reinventing the wheel when someone else has already established market acceptance and dominance. Additionally, for the iP2PGlobal Personal Financing Platform, being a Sharia compliant product and solution there are clear rules, regulation and requirements that need to be fulfilled in order to be properly recognized as Sharia compliant. As such, several members of the Advisory board are licensed and accredited by the relevant regulatory bodies responsible for Sharia compliance. The other Advisors on the board on the other hand come from industry and provide valuable experience and insights from outside the crypto market that could inject some real-life and real-world lessons learnt from various industry sectors. These Advisors serve as a check-and-balance to the management team and the TWQ project which will potentially improve the market acceptance and applicability of the TWQ project and other financial products and solutions which will be developed by iP2Pglobal following the successful delivery of the Crypto Loan platform. Besides providing oversight and industry input, the Advisors certainly will be involved in new product and solutions conceptualization which will ensure a steady pipeline of new crypto based financial products and solutions that will utilize the TWQ token. The board of Advisors of iP2Pglobal have a balanced mix of subject matter experts who should enhance the already strong team behind the project. C. Partners AbleAce Raakin Sdn. Bhd.: Commodity Murabahah Provider Salihin Shariah Advisory Sdn. Bhd.: Shariah Adviser ASSESSMENT: Ableace Raakin is the Global Islamic Finance Award winner for the Best Shariah-compliant Commodity Brokers in 2017. They are also a member of the International Islamic Financial Market (IIFM). The IIFM was formed under Royal Decree No. (23) Dated 2002 of the Kingdom of Bahrain as a neutral and non-profit infrastructure development organization. IIFM is hosted by the Central Bank of Bahrain in Manama. The founding members of IIFM are the Islamic Development Bank, Autoriti Monetari Brunei Darussalam (formerly Ministry of Finance Brunei Darussalam), Bank Indonesia, Bank Negara Malaysia (delegated to Labuan Financial Services Authority), Central Bank of Bahrain (formerly Bahrain Monetary Agency) and the Central Bank of Sudan. Salihin group offers an integrated and yet wide spectrum of professional services in the areas of auditing and assurance, taxation, business advisory and corporate finance. Salihin has over 70 professionals serving international clients globally. With a formidable pool of competent and experienced professionals they strive to consistently provide high value and high-quality end-to-end services to clients without compromising its integrity. Through insight and foresight, its professionals shape, revive, redirect and set the pace to leverage complexity and dynamism for clients’ sustainable business vitality, viability, profitability, and growth. iP2PGlobal has partnered with AbleAce Raakin and Salihin to provide Commodity Murabahah and Sharia compliance advisory. This is a clear indication of iP2PGlobals’ seriousness and commitment to providing bona fide Sharia compliant products and solutions to the market and to Muslims worldwide. We have seen a few blockchain projects bandying Sharia products and solutions to investors, but ultimately most if not all did not provide any proof or clear framework for Sharia compliance. In the case of the TWQ, investors especially Muslims can be assured that the platform and the crypto loans are structured to comply with Sharia precepts. 2. PRODUCT & TECHNOLOGY The financing products offered over the platform is based on Sharia finance principles. Sharia finance principles mean prohibition of interest and usury, steering clear of uncertainty-based transaction, avoiding gambling and avoiding investments in the production and selling of impure goods and goods of no use or no value. Sharia finance principles also relates closely to the concept of ‘Ethical Finance’ that emphasise the values of fairness, equality and morality in finance. Three financing products, an unsecured and a secured personal financing products based on Tawarruq contracts and a gold pawnbroking product based on Ar Rahnu contract will initially be offered. In the future, iP2PGlobal aims to add other financing products based on other Sharia financing contracts, such as Ijarah (leasing) and Musharakah (profit sharing) amongst others. The TWQ is an ERC20 token that confer the right to the token holder to submit an application for a personal financing based on a Commodity Tawarruq Trading program through the iP2PGlobal platform and have it listed in the platform for prospective lenders to view and choose to finance. The TWQ Token is a pure utility token and does / will not provide any other rights and functions to its holders. The medium of financing in the iP2PGlobal Platform will be in stable coins that pegged its value to flat currency. In its initial stage, the platform will be using PAX, TUSD and USDT in the future more stable coins will be accepted as the medium of financing in the platform. ASSESSMENT: The TWQ project is built on a marriage of blockchain technology and peer-to-peer technologies, both of which are experiencing high growth and adoption in today’s digital world. Add to this the untapped and unfulfilled demand for Sharia compliant products and solutions not just in the crypto space but also in the conventional market, what we have in the iP2PGlobal platform is potentially an explosive or high growth business. The management team it appears has done a thorough study of the financial services market and the attempts by others to penetrate and introduce Sharia based products and solutions to the crypto market. Many have tried a blanket or shotgun approach hoping to capture overnight a piece of the Sharia market with a population of 2.18 billion Muslims worldwide. The evidence however seems to show that this strategy is ineffective and prone to many shortcomings. There are many critical issues which need close attention by project and solutions developers and providers in order to successfully encourage adoption and regular use of crypto based and peer-to-peer solutions. The blanket strategy does not work effectively in this situation. iP2PGlobal has chosen to develop a single product or solution to address a specific demand and need in the market — crypto loans — and has committed its whole roadmap over 24 months to ensure a world class and commercial grade platform is delivered to the market. The management team could have chosen to be overly ambitious or even greedy but instead they have forgone (for the moment) the larger market and opted to be focused on one segment to the benefit of users and investors. It appears that the management team foresight tells them that success with one product or solution is necessary first to solidify market credibility and commercial basis to develop other products and solutions as and when the crypto market evolves and when the critical demand for more financial services is in place. Unlike most blockchain projects we have seen, this project is very concentrated on doing and delivering one thing and doing it very well. This attitude by iP2PGlobal is admirable and lends a lot of confidence that the project is very likely to be completed and delivered to the market. The bull run of 2017 saw thousands of ICO’s raise funds based on frail and farfetched ideas, flimsy whitepapers, and aggressive marketing tactics compared to actual working products and a real market. Today the initial hype is over, but the utility of ICO’s and IEO’s still serves an important function. As the crypto market continues to develop, bad coins will cease to exist, while projects with real use cases will thrive. The iP2PGlobal lending platform is an example of a Bona Fide project raising funds through an exchange coin offering that has real-world use case and a real market, in addition to real people with qualifications, experience, and track record. 3. MARKET P2P is the practice of lending money to individuals or businesses through online services that match lenders with borrowers. P2P is a relatively new industry, with the 1st P2P lending platform only starting in 2005 in the United Kingdom. Prior to the introduction of P2P lending platforms, the main source of any financing for individuals or companies was from traditional lenders such as banks and finance companies. The main reason why the P2P business model works, is because its operational expenses is lower when compared with traditional lenders. Technology plays a big part in bringing borrower and investors together ensuring that the main culprit of high costs i.e. branch infrastructure is made obsolete. These savings in operational expenses allow P2P players to under-cut traditional lender’s spread thus providing big savings to borrowers via lower interest rates and better returns for investors, compared to savings and investment products offered by banks. Based on Industry Reports by Cambridge Centre for Alternative Finance, Global alternative financing has been on a strong growth path over the past few years, registering US$419 billion in total in 2017 compared to only US$43.6 billion in 2014. Based on the 2016 total of US$289 billion raised, P2P lending made up the lion share with 55.8% coming from P2P consumer lending (US$161 billion), whilst P2P business lending and P2P real estate lending was at 23.85% and 2.96% respectively. The continued growth of P2P lending, in particular P2P consumer lending, which makes up the majority of the online alternative finance market especially in Asia Pacific, Americas and Europe augurs well for the industry as more people accept the P2P lending model and start to branch out from traditional lenders like banks and finance companies. The global peer-to-peer lending market is expected to grow tremendously and post a compound annual growth rate of more than 53% by 2020 from 2015. Since the cryptocurrency lending market started in 2016, over US$4.7 billion loan volume has been originated, but the income generated is low at US$86 million or less than 2%, although the borrowing rate typically ranged from 6%-10% on an annual basis. iP2PGlobal Platform will open up financing to a big Muslim population (estimated population of 2.18 billion), who wants to borrow and lend according to Sharia finance principles. However, although Sharia financing products are sought after by Muslims, this does not preclude or should deter non-Muslims from tapping onto the platform, as the iP2PGlobal Platform is open to everybody regardless of their gender, race or religion. ASSESSMENT: The Global Peer to Peer (P2P) Lending market is categorized into consumer lending and business lending. The traditional P2P model generally exists on a large-scale mostly in developing regions. However, this is mainly due to minimum availability of modern technologies which makes companies adopt the P2P model. The industry is projected to reach USD 820.70 billion by 2025. The driving factors influencing the global peer to peer lending market demand are growing awareness among consumers, transparency in process, low-interest rates, process efficiency for easy loan distribution, and demand for loans by small & medium enterprises, real estate sector and other consumer loans. P2P Lending companies are investing in new technologies to make the process easier and efficient. For instance, Faircent has launched e-sign facility in collaboration with eMudhra to reduce the turnaround time for loan distribution by further reducing the human intervention in the process. In the year 2017, consumer lending dominated the overall peer to peer lending market by occupying a 72.2% share. P2P lending has provided easy access to loans due to which there is a rise in personal loans, home loans, student loans, and other consumer loans. However, business lending is also witnessing a significant growth owing to the growing number of small & medium businesses across the globe registering an exponential growth rate over the forecast period. Regionally the global peer to peer lending is segmented into North America, Europe, Asia Pacific, Central & South America, and Middle East & Africa. In 2017, Asia Pacific dominated the global P2P lending market of which China occupied a major share in this region. However, in recent years there has been an increasing number of P2P lending frauds in China due to which China Banking and Insurance Regulatory Commission has imposed stringent regulations to restrict P2P lending companies from committing crimes. This development is actually a positive indication as the fact that the regulators are paying attention means that the industry is significant to the economy. In Europe, Unite Kingdom dominated the P2P market by contributing more than an 82.3% market share. Zopa was founded in 2005, the first company to launch website for borrowing and lending services. After which many new companies were launched including funding circle and rate setter. The stringent regulations implemented by the Financial Conduct Authority has paved the way for the UK P2P lending market. Moreover, many start-ups are coming into the market as investments are increasingly by venture capitalist. The global P2P lending market is fragmented with many regional and international players across the globe. Here are some of the leading players of the global peer to peer lending market include Zopa, Prosper Marketplace, Lending Club, Funding Circle, Upstart, SoFi, RateSetter, China Rapid Finance, PPDAI Group, Funding Societies. It should be noted that one of the reasons for the fragmentation is due to the limitations and restrictions on Global Fiat Lending or cross-border fiat lending because of the different licensing and regulations in different countries. The iP2PGlobal Personal Financing Platform will be the first truly Global P2P lending platform as the platform is a CRYPTO LOAN platform and as it is not fiat lending, the platform solves the problems, limitations, and restrictions imposed by country specific regulations on cross-border currency transfelending, and fiat currency exchange fluctuations. In terms of market size, market segment growth, and trends in the financial services industry, the iP2PGlobal platform appears to be entering a position that has all the right ingredients for mass acceptance and adoption of the loan platform solution/service. 4. PROFORMA FINANCIALS
IP2P GLOBAL PLATFORM 5 YEARS PRO-FORMA FINANCIALS The above proforma financials of the iP2PGlobal platform is prepared based on information and data provided by iP2PGlobal Ltd in its Whitepaper, and information and data available from reports in the public domain on the P2P Lending market, developments in the Fintech industry, and global trends in the financial services sector. Relevant and applicable growth rates of the P2P lending market and macroeconomic data on the funding-gap globally between the “banked” and “un-banked” market is also referenced and factored into the financial projections. Assumptions & Observations: The proforma financials rest on the latest public figures on the P2P Crypto Lending market, and for the 5-year forecast period, the historical industry CAGR was applied at a 50% discount, which implies that the growth will decelerate — this is a conservative position by iP2PGlobal (ii) At the end of the 5-year forecast period, iP2PGlobals’ share of the P2P Crypto Lending market is projected to reach a mere 1.56% which is very conservative given several unique features of the iP2PGlobal platform. (iii) The loan composition used in the forecast is constant at 20:80 between Unsecured and Secured Loans. A higher percentage of Unsecured Loans would yield higher revenue to the platform as the platform fee for unsecured loans is higher than for secured loans. (iv) Total borrowers using the iP2PGlobal platform over the 5-year period is 630,365 borrowers, borrowing a total US$194,667,762 assuming a fixed average loan per borrower of US$1,000. This US$1,000 amount may not be representative of what the platform will actually see as the is no limit on the loan amount that can be submitted. Assuming a low average loan amount discounts the forecast from potentially large loans from businesses and high-volume traders, who may also use the platform. (v) It should be noted that some P2P Lending platforms impose a minimum loan amount as high as US$30,000 whereas the iP2PGlobal platform has a much lower minimum loan amount of US$200 only (vi) Borrower growth and loan growth appear conservative by comparison to the historical CAGR of the market segment which ranges from 30–52%. (vii) Utilization of the TWQ Token starts at a conservative 4.86% of the theoretical total TWQ in Public hands but reaches a utilization of 38.96% by the end of the 5-year forecast period. 5) VALUATION & PRICING
TWQ TOKEN FUTURE VALUATION & PRICING A. Average P/E Ratio for the Financial Services Industry Companies that operate within the industry include those focused on brokerage operations, conventional banking, asset management, as well as debt and credit services. Since the financial services industry plays an important role in the overall performance of the markets, investors should be concerned with the average P/E ratio of this sector. As of August 2018, the average P/E ratio of the financial services industry is 14.26. This metric includes the sector averages of specific financial service categories, including banks with a P/E ratio of 13.51, capital markets with a P/E ratio of 18.83, and insurance with a P/E ratio of 14.64. A smaller sector in the broader financial services category, thrifts and mortgage finance has the highest P/E at 32.17, while the lowest at this time is the mortgage REITs sector at 7.11. Because of the absence of historical price data, a test of reasonableness cannot be done for the TWQ Token thus the only guidance that is available to assess the forecasted TWQ Token price are industry averages of PE multiples of the financial services industry. The first year proforma PE ratio of the TWQ Token is forecasted at 16.04x which is in the range of PE multiples of companies in the financial services industry that ranges from 7.11x to a high of 32.17x. By the 5th year of the forecast period the PE ratio is forecasted at 20.13x which is slightly higher than the PE ratio for capital markets at 18.83x but still within the range of multiples for the industry as a whole. As depicted in Figure 1 above, the rate of change of the PE ratio curve is not as steep as the TWQ Price curve which indicates that the iP2PGlobal lending platform earnings are forecasted to increase at a higher rate. As stated in the above section on assumptions and observations, the slightly higher PE curve applied may be justified by the fact that the proforma financials do not factor in the untapped Sharia market and the potential 2.18 billion Muslim population.
TWQ TOKEN FORECASTED PRICE & PE RATIO B. Market Capitalization When evaluating a token or coin, looking at Market Cap helps give some idea of the potential price performance in relation to the total crypto market capitalization and also similar tokens and coins. An examination of a tokens’ market cap also provides investors an objective tool in navigating through the hype and marketing which is so prevalent in the ICO/IEO scene. Market capitalization is a common metric for traditional securities and is now sparingly being applied in crypto. For the benefit of crypto investors, we look at the TWQ market cap in applying a conventional evaluation tool that is a measure of the value of a security. It is derived by multiplying the amount of outstanding stock shares by the current stock price. In crypto, it’s defined as the circulating supply of tokens multiplied by current price. If a coin has 1,000,000 tokens outstanding and is trading for US$1 a coin, it has a market cap of US$1,000,000. Stocks and bonds are regularly analysed with financial metrics and ratios. Measures like price-to-earnings ratio, earnings per share, the current ratio, earnings growth, and so on are used to examine stocks. In crypto, financial statements are mostly never published. A market cap is quick way to gauge a coin’s value — healthy market cap is indicative of a strong coin. When combined with other metrics, market cap gives investors more tools to arrive at an investment decision. The Market Cap of the iP2PGlobal platform in the first year is calculated as follows: Market Capitalization = TWQ Price x Circulating Supply of TWQ Tokens = US$0.57 x 50,000,000 = US$28,740,735 It should be noted that the market cap calculation used in the proforma is a 12-month average to smooth out price fluctuations during each proforma year. As can be seen from the formula above, the variable of significant importance is the TWQ Price, and going back to the section above on PE Ratio it has already been established that the proforma TWQ Token price is within the reasonable ranges of PE multiples for the financial services industry.
FORECASTED TWQ MARKET CAPITALISATION C. Economics The visuals below essentially show the number of circulating TWQ net of reductions from defaulted loans, in comparison to the total value of TWQ staked on the iP2PGlobal lending platform over the 5-year forecast period. It is a simplistic measure nevertheless highlights an important characteristic of the TWQ Token and the implications on its price trajectory.
FORECASTED TWQ TOKEN SUPPLY VS. VALUE STAKED What is clear from the chart above is the following: The supply of circulating TWQ reduces over time Value of TWQ staked is larger over time Given, Perennial reduction in the supply of circulating TWQ due to loan defaults Growth in the platform use and earnings will be reflected in a price increase of the TWQ Higher price of TWQ will reduce the number of TWQ needed for loan submission Thus, Although the amount of TWQ needed for a loan submission is less because the price has increased, the reducing supply of circulating TWQ combined with the price increase in TWQ will result in a net upward pressure on the TWQ price. This presumption is fundamentally correct as the increase in the utility of the TWQ will support the price of the TWQ which reasonableness has been established based on PE multiple price simulation using financial services industry averages. 6. OVERALL OUTLOOK & CONCLUSION Unlike investments through bank deposits, P2P platforms connect borrowers and lenders directly through the marketplace, thereby somewhat eliminating the role of middleman. This is what the iP2PGlobal Platform does. Traditionally, most investors are risk averse and rely more on bank fixed deposits (FDs) as the capital invested is not market-linked and is not exposed to short-term market volatility. However, things are now changing, as investors are not fearful of taking some calculated risks. The iP2PGlobal Platform offers investors/lenders this opportunity. As a result of the change in investment patterns, apart from savings accounts and bank FDs, P2P investment has been coming up as an alternative among the younger generation. By connecting the borrowers and lenders directly, P2P lending not only brings more transparency, but unlike in the case of banks, also provides opportunities for investors to choose the loans they want to fund, which is essentially what the iP2PGlobal Platform allows. Additionally, as the middleman (like banks in case of FDs) is eliminated, borrowers can negotiate a better cost of funds rate and investors can create their portfolio of loans as well on the basis of credit ratings and interest rates of borrowers, which may fetch higher returns for them. Before the introduction of P2P, the options to invest were either market-linked products like equity and mutual funds, which required the investor to have a decent knowledge about the market, or to park the money in banks which had lower returns. Now, with P2P lending, investors may also earn higher returns without having to worry much about the volatility of markets. P2P lending has become an alternative investment destination for those investors who wish to earn higher returns without facing short-term market risks. It is almost common knowledge now that millennial investors prefer data-backed investment options over the traditional options. As a result, P2P lending has become a go to option for the millennial individuals as P2P platforms use AI and Machine Learning to deploy the investor’s money to generate maximum returns. “P2P lending is still in the nascent stage and is expected to grow as there are huge opportunities, with the credit demand and supply gap — as per the estimates of the World Bank — being close to $380 billion’. One major risk for investors on p2p lending platforms is that the company running the platform becomes insolvent and is unable to continue to operate the marketplace. The importance of the financial health of a p2p lending company for assessing the overall risk is essential. More often than not, insolvency and business failures are due to people and management, and not the business or market itself. In the case of iP2PGlobal it is very clear and evident that the company and project is being developed and driven by real people with relevant qualifications, experience and track records. CEO of FinTech platform YouHodler stated that “the altcoin market cap is slipping, but it is far from being destroyed. We are amid a new altcoin rebirth. Many, once popular, altcoins will find it very hard to make a comeback to their all-time high, if at all. Yet, there are still many promising altcoins with real use cases and revenue generation models that will outline the new trajectory of the altcoin market”. In general, most subject matter experts conclude that the future of altcoins is still yet to be determined but will rely solely on a given project’s ability to provide firm use cases. The use case for the iP2PGlobal Platform is crystal clear from the onset — they are moving financial services from the conventional market to the Blockchain. Using altcoins as collateral for a crypto loan helps users utilize the value of their altcoins without having to sell. If the value of their altcoins increases during the loan term, then the users keep all the profits. If altcoins take a negative turn in the other direction, then users can take comfort since they already have the cash and did not lose any additional money. This feature or utility is often overlooked in its importance as the usual emphasis when people look at P2P lending platforms is on how much of a loan can be obtained and what the costs are. Most overlook the benefit or economic value of being able to get further leverage or utility from the altcoins which they have already expended real (fiat) currency to acquire. Perhaps with the growing understanding of P2P and Blockchain, these benefits will become more prevalent. We have all seen many companies with fantastic products, technology, ideas, and markets brimming with potential demand yet have fallen short of success. Many have come and gone, and many more will appear to take up the challenge of developing and establishing a commercially viable and sustainable business. The question that comes to the mind of many when we see so few successes of such great ideas and fantastic product and marketing strategies is — “What happened? Why did this company not make it?”. There is no shortage of analyst, consultants, and industry experts that regularly evaluate and review established companies and corporations especially listed companies. In these situations, the task of evaluation is focused more on how these companies are performing as compared to the market and competition. Established companies and businesses by definition are those who have succeeded. Evaluating private and early stage companies and businesses however requires a more dynamic as well as a rigorous thought process and evaluation framework. Oftentimes as these companies are early stage, the only “tangible” or real element that is available for analysis and evaluation are the people behind the company. History has also proven that success of many great companies and products are attributed to the founders and people behind the companies and the product. This review of iP2PGlobal Ltd and by extension the review of the TWQ Token has in some parts been detailed whereas in other parts general at best. This is a reflection of the absence of generally accepted and established methods for evaluation of crypto assets and the crypto market. The assessment has adopted fundamental as well as some technical analysis methods borrowed from mainstream. In areas where data and information are lacking, certain presumptions and extrapolations were made. One thing for certain however about the iP2PGlobal lending platform is that the company behind the project has real people with real experience and track record. Why this is important is because only real people with relevant experience can navigate the uncertainties and dynamic nature of the real world and real economy. If you are an investor, look at the next big ICO/IEO and try to sift through the hype and marketing, and see if you can find a real and solid team behind the project and solely base your decision to invest on the team and people developing the project. If you are a genuine investor and you struggle with this, then chances are what your instinct is telling you is correct. In the final analysis, any attempt to evaluate and assess the value of a business, company, stocks, token, and securities will always be incomplete. Having said this, some semblance of a proper and objective evaluation should bring a fresh air to the usual hype and hoopla crowded ICO/IEO market space. Analysis was done by Azmin Ahmad Hassan Azmin, is an advisor to iP2PGlobal Platform & TWQ token project, before establishing Qyrin Petroleum Technology in 2013, he has worked mainly in private equity and venture capital industry, amongst others he was a senior analyst with Maybank Venture Capital, he was also the Head of Private Equity for Bank Pembangunan Equity. Azmin’s linkedin profile page:
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2019.06.08 11:34 reverthelp ISLAM 101: Your Faith: Part 2

The Testimony that Muhammad is Allah’s Messenger
Who is Allah’s Messenger?
His Birth 1
Prophet Muhammad was born in 570 CE. His father died before his birth, and his mother also died when he was very young. Thus, he was placed under the care of his paternal grandfather, ‛Abdul-Muttalib, and, after his grandfather’s death, he was placed under the care of Abu Taalib, one of his paternal uncles.
His Life and Upbringing 2
Muhammad spent forty years before he received revelation in the Makkan tribe of Quraysh into which he was born, and during this period (570-610 CE) he came to be known amongst his people as as-saadiq al-ameen (the truthful and trustworthy) because of his uprightness and excellent manners. He worked as a shepherd and later as a merchant. Before the advent of Islam, he maintained the pure monotheistic beliefs of Prophet Abraham , a haneef, worshipping Allah alone without ascribing any partners to Him and rejecting idol worship and pagan practices.
His Mission 3
When Allah’s Messenger turned forty, he would regularly retreat to the Cave of Hiraa’, on the peak of Mount Noor on the outskirts of Makkah, in present-day Saudi Arabia, meditating and worshiping Allah. It was then that he started receiving revelation from Allah. The first verses he received there were: “Read in the name of your Lord who created. He created man from a clot of blood. Read, and your Lord is the Most Generous; He who taught by the pen; taught man that which he knew not.” (Soorat Al-‛Alaq, 96:1-5) These verses ushered in a new era of knowledge, reading, light and guidance. The Qur’anic revelations continued until his death twenty-three years later.
The Beginning of His Mission 4
After three years of preaching secretly, Allah’s Messenger spent another ten years preaching Islam openly. During this period, he and his Companions were subjected to all forms of injustice and persecution at the hands of the Quraysh pagans. Not losing heart, he began presenting himself during the pilgrimage season to the pilgrims who came from various tribes, calling them to the new faith. Pilgrims from Madeenah accepted Islam and, soon afterwards, Muslims started migrating to their city in successive groups.
His Migration 5
At the age of fifty-three, Allah’s Messenger migrated to Madeenah, which was then called Yathrib, in 622 CE, after the Quraysh notables who had opposed his mission plotted to kill him. He spent ten years there, inviting people to Islam, and enjoined the prayer, zakaat and the other Islamic rituals on the Muslims.
His Efforts to Spread Islam 6
Following his migration to Madeenah (622-623 CE), Allah’s Messenger laid the foundation for Islamic civilisation and determined the aspects of the Muslim society. He eradicated tribal fanaticism, spread knowledge, established the principles of justice, righteousness, fraternity, cooperation and organisation. Some tribes attempted to put an end to Islam once and for all, leading to a number of skirmishes and wars, but Allah supported His Messenger and made Islam reign supreme. Then, people in Makkah and in most cities and tribes in the Arabian Peninsula willingly began entering this great religion in crowds, fully convinced that it is the true religion.
His Death 7
In the lunar month of Safar, 11 AH (June 632 CE), after Allah’s Messenger disseminated the message of Islam and Allah had completed His favour upon the Muslims by perfecting His religion for them, the Messenger had a sudden onset of fever which led to his death on Monday 11 Rabee‛ Al-Awwal 11 AH (8 June 632 CE) at the age of 63. He was buried where he died, in the apartment of his wife ‛Aa’ishah ~, which is now housed within the Prophet’s Mosque in Madeenah.
Our Prophet’s Name
Muhammad was the son of ‛Abdullaah, son of ‛Abd Al-Muttalib of the Banu Haashim clan of the Quraysh. He was indisputably the noblest of all Arabs.
A Messenger to All Mankind:Allah sent Muhammad as a messenger to people of all races, classes and colours, and He made it everybody’s duty to obey him, as the Qur’an states, “Say: ‘O Mankind! I am the Messenger of Allah to you all.’” (Soorat Al-A‛raaf, 7:158)
The Qur’an was Revealed to Him:
Allah sent down to him the greatest of His divine scriptures, the Holy Qur’an, which falsehood can reach neither from before it nor from behind it. (Soorat Fussilat, 41:42)
He was the Seal of the Prophets and Messengers
Muhammad was the final prophet sent by Almighty Allah; therefore, there will be no prophet after him, as evidenced by the verse: “Muhammad is not the father of any of your men, but the Messenger of Allah and the Final Seal of the Prophets.” (Soorat Al-Ahzaab, 33:40)
The Meaning of the Testimony that Muhammad is Allah’s Messenger
This means to believe his statements, do the acts he commanded, avoid the acts he prohibited and worship Allah according to the manner he prescribed and taught us.
What Does Belief that Muhammad is Allah’s Messenger Entail?
  1. To believe all the statements he made about everything. This includes the following:
Matters relating to the unseen world, such as the Last Day, the eternal bliss in Paradise and the everlasting punishment in Hellfire
The events that will take place on the Day of Judgement, the signs of this day and the major incidents preceding the end of the world
Stories of past nations and what happened between the prophets and their people
2) To do the acts he enjoined and avoid the acts he prohibited. This includes the following:
A Muslim must believe all the statements authentically attributed to Allah’s Messenger.
-To comply with his orders, fully convinced that he did not speak of his own desire and that what he came with was nothing but a revelation revealed to him, as the Qur’an states, “Whoever obeys the Messenger has obeyed Allah.” (Soorat An-Nisaa’, 4:80)
-To avoid the acts he prohibited, such as erroneous practices and bad manners, fully convinced that he only prohibited us from doing so due to some divine wisdom and for our own benefit even if we may not be sometimes aware of such benefit
-To be certain beyond any doubt that doing the acts he enjoined and avoiding the acts he prohibited will benefit us tremendously and bring us happiness in this life and in the hereafter, as the Qur’an states, “Obey Allah and the Messenger, that you may find mercy.” (Soorat Aal ‛Imraan, 3:132)
-To firmly believe that those who disobey Allah’s Messenger r will suffer a grievous punishment, as the Qur’an states, “Those who oppose his command should beware of a testing trial coming to them or a painful punishment striking them.” (Soorat An-Noor, 24:63)
3) To worship Allah I in accordance with the Prophet’s instructions. This implies the following:
-To follow his example: We ought to follow the Prophet’s Sunnah, or practice, including his words, deeds and tacit approval, in all aspects of our lives. Indeed, the more one follows the Prophet’s example, the more one gets closer to Allah I and the higher the grades of honour one will have with one’s Lord, as the Qur’an states, “Say, ‘If you love Allah, then follow me, Allah will love you and forgive you your sins. Allah is Ever-Forgiving, Most Merciful.’” (Soorat Aal ‛Imraan, 3:31)
-Islam is complete: Allah’s Messenger May Allah’s peace and blessings be upon him conveyed Islam and all its laws in full; thus, no one is allowed to introduce any practice in Islam which the Prophet r did not approve.Islam is relevant to all times and places: Islamic rulings mentioned in the Qur’an and the Prophet’s Sunnah are relevant to all times and places, for no one knows for certain what is best for people except Allah who created them in the first place.
-To follow the Prophet’s Sunnah: For one’s goods deeds and devotional acts to be accepted by Allah I, they have to be done in accordance with the manner prescribed by the Prophet r, as the Qur’an states, “So let him who hopes to meet his Lord do righteous work and not associate anyone in the worship of his Lord.” (Soorat Al-Kahf, 18:110) The phrase ‘righteous work’ here denotes good deeds which are done in accordance with the Prophet’s Sunnah.
-Innovations in religious matters are strictly forbidden: Those who introduce an innovation in religion (an act of worship which contradicts the Prophet’s Sunnah), such as offering a prayer not sanctioned by the Prophet S, blatantly go against his command and will have the innovation they have introduced rejected, as the Qur’an states, “Those who oppose his command should beware of a testing trial coming to them or a painful punishment striking them.” (Soorat An-Noor, 24:63) The Prophet May Allah’s peace and blessings be upon him also said in this connection, “He who innovates something in this religion of ours that is not of it will have it rejected.” (Saheeh Al-Bukhaaree: 2550; Saheeh Muslim: 1718)
By strictly forbidding innovations in religion and adding or changing acts of worship, Islam intends to protect divine law against distortion and alterations and safeguard it against being subjected to people’s whims and desires. Apart from this, Islam does, however, encourage the human mind to engage in innovative thinking and to explore the secrets of the universe in all aspects of life with a view to serving humanity and helping develop its present and future status.
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2018.07.06 09:20 BayanToken Who is the team behind Bayan Token?

Sheikh Dr. Zaharuddin Abd Rahman — Chairman, Shariah Board
Sheikh Dr. Zaharuddin Abd Rahman who is a Managing Director of Elzar Group of companies (Elzar Shariah Solutions Sdn Bhd, Elzar Resources Sdn Bhd, Elzar Trading Sdn Bhd and K-Fiqh Sdn Bhd).
Dr. Zaharuddin served as an Assistant Professor at the Kulliyyah of Economics, International Islamic University Malaysia (IIUM) for more than 10 years. He obtained his degree from University of Malaya, MA in Shariah from Al-Yarmouk University, Jordan and PHD in Islamic Studies and Finance from University of Wales. He is also a certified Islamic Finance trainer and lecturer by The Markfield Institute of Higher Education, United Kingdom.
He has served RHB Islamic Bank Ltd, Malaysia as a Senior Shari’ah Manager & Product Development and later, joining Asian Finance Bank Ltd as Head of the Shari’ah Compliance. He has a vast experience in Shariah where he has served various institutions as Shariah Consultant and Advisor for Central Bank of Malaysia (BNM), OSK Investment Bank, Deutche Bank, Al-Rajhi Bank Malaysia, Standard Chartered Saadiq Bank, ACR ReTakaful Bahrain, BIMB Securities Sdn Bhd, BNP Paribas Bank and others.
To-date, he has written over 20 books and hundreds of articles on Islamic Jurisprudence and Islamic Banking and other Shari’ah matters in journal, including local and international magazines and conferences. He frequently appears in the local television and radio lecturing on various Shari’ah issues especially with regards to the Islamic commercial transaction. His Facebook page ‘Dr. Zaharuddin Abd Rahman’ has about 1.3 million followers.
Mr Vince Focarelli — Ambassador
There was a time, whenever Vince Focarelli’s name was mentioned, it struck fear and hatred in the people’s heart, especially amongst the residents of Adelaide. That is not the case anymore. The former leader of the notorious gang ‘Comanchero’, he is now a transformed and completely different person after embracing Islam. Watch the interview with Vince about his journey to Islam. (
Vince — now Imran Abdul Salam — is an active social activist, where he frequently gives motivational and inspirational talk about his journey to Islam. He is also actively involved in several humanitarian works such as organising a food convoy for the Yemeni refugees. He used to own and run a Halal Italian restaurant, La Fig Cucina in Adelaide, of which he wishes to expand its presence around the world.
Vince has been appointed as the Ambassador to Bayan Token as he shares the same aspirations and noble intentions of spreading good to the wider mass. An avid preacher of kindness and goodness himself, he is very excited and looking forward to do greater good through the Shariah compliant Bayan Token.
Dato’ Zainal Abidin M Husain — Chairman
Dato’ Zainal Abidin was a name to be reckoned with in the banking and financial industry. He served as a Manager for eight years at Arab-Malaysian Merchant Bank Berhad before becoming the Head of Finance at Halim Securities Sdn Bhd.
He then made his leap of faith by founding Ikhtiar Destinasi Sdn Bhd. He has held many significant positions since then which include the Managing Director for Ikhtiar Factoring Sdn Bhd and Director for both Transpro Sdn Bhd and Ikhtiar Commerce Sdn Bhd.
At 56, he is still active and going strong, overseeing Ikhtiar Destinasi Sdn Bhd as its Executive Chairman. He graduated from University of Minnesota in Accounting and Idaho State University in Masters in Education (Business).
Nazimuddin Nazaruddin — Chief Executive Officer
Nazimuddin graduated from Universiti Teknologi Mara (UiTM), completing his Association of Chartered Certified Accountant (ACCA) professional course. He is a member of ACCA and Malaysia Institute of Accountants (MIA), and is currently a Chartered Accountant by background. He kickstarts his career in a medium sized Audit Firm, Afrizan Tarmili Khairul Azhar (AFTAAS), and continue his auditing career to one of the Big Four firm, Deloitte Malaysia based in Petaling Jaya, leading and managing various client’s portfolio, from small to big entities.
Then he moved to Schlumberger KL Financial Hub as a Management Accountant, dealing with Financial Reporting and operational matters, taking care of Middle East area operations via working closely with Operation Controllers, specifically in Artificial Lift and Completions segment for Kuwait, UAE, and North Sudan. Currently he is practicing in his own firm Nazim & Co, an accounting firm under MIA, specializing in small medium entities portfolio’s.
He has vast experience and well verse in International and local financial reporting standards, international standards of auditing, financial reporting compliance, statutory and taxation matters, performance management and internal audit compliance.
Ameerul Zafeeq Hizamuddin — Chief Financial Officer
Ameerul Zafeeq is a chartered accountant graduated in 2010 from Kaplan Financial College, London. He started his career at Binder Dijker Otte (BDO) as an audit associate. He then moved to Accenture as Accountant before joining Royal Bank of Canada (RBC) as Fund Accountant to have a first-hand experience in investment field.
Ameerul was hired by Petronas Carigali as a Senior Executive in 2016. He was promoted to Assistant Manager and moved to Petronas Berhad. He specialises in business planning, forecasting, budgeting and reporting.
Adam Effendy Mustapha — Chief Operating Officer
Adam Effendy graduated from London School of Economics and Political Science in Bsc. Economics. Immediately after graduation, he was offered an executive position in UEM Group Berhad, serving both the Corporate Finance Department and the Managing Director’s office. He then moved to UEM Sunrise Berhad, gaining more experiences in the corporate world after serving total of three years in the Managing Director’s office and the Corporate Planning department.
Adam then decided to resign and started his own publishing house that has published ten books to-date; two of them were national bestsellers. After two and half years being an entrepreneur, Adam craves for new challenges and wants to learn something novel and exciting. He quickly jumped at the offer to join the team as he gets to enjoy the best of two worlds; Islamic finance and financial technology.
Muhamad Akif Akmal Abdul Aziz — Chief Technology Officer
A First-Class Honour graduate in B.Eng Electrical & Electronic from University of Adelaide, Muhamad Akif Akmal was an Electrical Engineer at Tarpon Energy Services Asia Pacific Sdn Bhd since 2014 before joining the team. He specialises in designing electrical system and instrument.
Akif is a crypto and blockchain enthusiast who has traded using various platforms such as Poloniex, Shapeshift, Remitano and LocalBitcoins. He also has experiences in building GPU mining rig and designing mining farm. He was also a back-end technology consultant for several ICOs.
Zikri Zainudin — Chief Technical Analyst
A Financial Engineering graduate with 7 years of investment banking experience, Zikri Zainudin is a self-taught computer programmer. He applied complex algorithms and artificial intelligence to enhance the Z2 System into an integrated, advanced methodological application, designed for efficient stock picking, complex alerts and automated execution to support professional trading. It took more than 10 years to derive the methodology, which is now known as the Z2 Protocol.
Mr Steven Georgiadis — Legal Consultant
Steven Georgiadis is a highly acclaimed and seasoned Trial Attorney with 18 years of accomplished experience. With a combination of a scholastic and reformist approach, he has netted triumphant proficiency in investment banking, private banking, Mergers & Acquisition, private equity transactions, corporate finance and corporate governance. Commonly sought internationally by prestigious cliental, he has become a highly respected advisor and esteemed leader.
Steven, a graduate from Bond University, Gold Coast, Australian with Bachelor of Laws (LLB), has been solicited for his astute abilities in a vast array of legal disciplines including dispute resolution and in litigation for both hard and soft commodity sectors.
Mr Pierre Chuah — Marketing Expert
Pierre Chuah is a Digital Marketing Cloud Specialist with 20 years of experience. With a holistic digital experiences, he is able to understand and implement various digital marketing technologies for businesses.
Pierre started his career in KPMG Asia Pacific as an IT consultant in the implementation of SAP Finance solutions, for various companies in Malaysia and Singapore. Subsequently he led a team of 23 individuals in providing digital marketing consultancy to various multi-national companies such as Japanese Tobacco Industry (JTI), Carlsberg, Nissan, Cadbury, Kimberly Clarke, Mattel Toys, Adidas, Panasonic and many others in implementing digital marketing technologies.
Pierre joins Oranje-ISC as a Digital Director in the year 2014 having developed and implemented a 360-digital experience for Langkawi Island. Under his direction, Oranje-ISC was made finalist in ‘Marketing Excellence Awards 2017’. He is professionally certified by SAP, Google, Oracle and Adobe. He graduated from Warwick University, United Kingdom BSc Management Science and City University, London with MSc Information System and Technology.
Dr. Said Adekunle Mikail — Shariah Expert
Dr. Said Adekunle Mikail is a researcher at International Shariah Research Academy for Islamic Finance (ISRA) and lecturer at International Centre for Education in Islamic Finance (INCEIF). His academic qualifications are distinguished; he graduated from Islamic University of Madinah with LLB (Shariah) and earned his Master’s Degree in Comparative Law from the International Islamic University of Malaysia (IIUM). He then obtained his PhD in Islamic Finance from the same university.
Dr. Said’s experience in Islamic Finance is extensive. He was the Shariah advisor for BNP Paribas (Islamic Banking Window, Malaysia) in 2015. He was appointed as the Shariah Consultant to I Consult Africa (PTY) Ltd. Ethical and Responsible Advisory, South Africa in 2016 and still serving them until now. He is also a Shariah Consultant under ISRA Consultancy Sdn Bhd, which has served a number of high-profile clients including the Central Bank of Malaysia.
Dr. Said holds a number of memberships in various esteemed bodies and organisations such as Al-Birr Investment and Credit Cooperative Society Limited (Chairman), Muslim Scholarship Fund of Nigeria (MSFN-Nigeria) (Partner), International Council of Islamic Finance Educators, Malaysia (Associate Member), Malaysia Institute of Management (Affiliate Member) and Malaysian Financial Planning Council.
Being conferred the 21st Yayasan Tun Razak Youth Leadership Award in 2016 and Shariah Scholarship Award by ISRA in 2011, Dr Said has produced many academic publications and reports, which are internationally recognised.
Dr Hameeth Shah Abdul Wahid — Biotech Project Expert
Dr Hameeth Shah Abdul Wahid completed his MBBS from the International Islamic University of Malaysia (IIUM) in 2004. He started his career as a young doctor in Hospital Besar Alor Setar. Since the early days, he has special interest in Internal Medicine that lead him to take up postgrad studies in the subject matter. Eventually he completed his postgrad studies and obtained membership of Members of Royal College of Physician (MRCP), United Kingdom in 2014.
Currently Dr Hameeth Shah is working as a Senior Lecturer at University Kuala Lumpur-Royal College of Medicine Perak (UNIKL-RCMP) and practicing as a Specialist in Internal Medicine at Pusat Pakar Perubatan Ar-Ridzuan in Ipoh, Perak. He also has special interest in cardiology and currently doing his fellowship in Interventional Cardiology.
Siti Sarah Nadiah Suliman — Legal & Human Capital Director
Siti Sarah Nadiah is a qualified lawyer, whose vast experience in legal practice ranges from human rights, civil litigation, commercial and banking law.
Siti Sarah Nadiah graduated from UiTM with Honours Degree of Law and currently pursuing her Master’s degree in Islamic Finance Practice. She is also a Senior Associate Member of Chartered Institute of Islamic Finance Professionals (CIIF).
Noorashikin Zainal — Account & Finance Director
Noorashikin Zainal has a total of more than 17 years of experience in accounting. She has handled accounts of companies of various businesses and industries, which include healthcare, electrical and electronics, real estate and event management.
A graduate from UNITEN in accounting, Noorashikin’s last position was Account Manager at K-Fiqh Sdn Bhd.
Zainab Abdul Razak — Mart Operation Director
Zainab joined Zalora, Asia’s leading online fashion platform as Operation Executive in 2012 before moving to Lazada, Malaysia’s largest e-commerce store as Senior Operation Associate in 2014, focusing on the warehouse operation. Zainab is now entrusted with managing the whole operation of Elzar Mart, a retail halal supermarket that offers everyday items at a very competitive price.
Dr. Siti Hajar Pahmi — Biotechnology Consultant
Dr Hajar completed her Bachelor’s degree in Biotechnology with First Class Honours in 2010 from the University of Queensland, Australia. The university, together with the Australian Government then funded her Ph.D in Medicinal Chemistry under the International Postgraduate Research Scholarship (IPRS) and the University of Queensland Centennial Scholarship, where she gained her doctorship in 2015. Whilst formal education is important to her, Dr Hajar also led and was heavily involved in multiple projects and events both in Australia and Malaysia.
Throughout her student years, Dr Hajar’s leadership and management skills shone when she held several important positions in the Malaysian Students’ Council of Australia (MASCA) from 2007 to 2014. She maintains a balanced life by being active in sports, and have competed competitively and socially in netball, futsal, basketball, ultimate frisbee, and touch rugby. She is a strong advocate for healthy living as she believes in “healthy heart, healthy life”.
Mohamad Shafiq Ezhan Khairulazli — Creative & Marketing Director
Mohamad Shafiq Ezhan has more than 10 years of experience in creative art and design. He is the founding partner and Creative Director of Talenta Holdings Sdn Bhd, whose clients include Petronas, Telekom Malaysia Berhad and Little Trees (a company based in the United States).
A graduate from UniKL MFI in mechatronics, Shafiq Ezhan’s experience also includes marketing and image and branding strategy.
Siddiq Mohd Amin — Shariah Secretary
Siddiq Mohd Amin graduated from University of al-Azhar, Cairo with a Bachelor in Shariah in 2016. An excellent student with Best Student Award in his third year, he immediately started his career with Elzar Shariah Solutions and Advisory upon his graduation as a Shariah Associate.
Professor Dato’ Dr Norbik Bashah Idris — Advisor
Dato Dr Norbik Bashah Idris is currently a Professor at Kulliyah of ICT in IIUM. He started his academic career in 1983 with UTM and has been attributed as one of the early pioneers of Cybersecurity in Malaysia.
Throughout his career, he has been a member of SIGSAC –(Special Interest Group on Security, Audit and Control) of the ACM (Association of Computing Machinery), IEEE Computer Society, New York Academy of Science, USA and IFIP Working Group-11.3 on Database Security (USA). As a cybersecurity professional, Prof Norbik carries CISSP & CISM certifications from ISC2 & ISACA.
In 1995 he led a team which won a strategic research grant from MOSTI to start the first major research work on Cryptography in Malaysia which produced a suite of indigenious cryptographic utilities. In 1998 Prof Norbik founded the first Real-time Software Engineering Centre of Excellence in Malaysia, where he collaborated with the University of Thales from Paris. The cybersecurity R&D team he led later became incorporated as a company which won a significant project from the Malaysian Government to help monitor security of government’s network throughout the country. The company later became the first public-listed company on Cybersecurity in Malaysia. Following his success in Malaysia, Prof Norbik repeated the success into other ASEAN countries and later into the Gulf countries (UAE & Saudi Arabia).
Throughout his career Prof Norbik has been a Keynote Speaker, Visiting Professor, Corporate Figure, Consultant & Advisor on Cybersecurity to various Organizations & Governments, both in Malaysia & international. He was nominee for 2007 Ernst & Young Best IT Entrepreneur, twice Distinguished ISC2 Award winner for Asia-Pacific, IDG Distinguished Chief Security Officer for Asia Pacific, winner of at least 7 Gold medals in various exhibitions and competitions on Cybersecurity products & services, and holder of a few patents.
Prof Norbik’s latest interest is in synergizing cybersecurity & DLT (Blockchain/Tangle) into Islamic Fintech products & services in the hope of contributing to the Maqasid Shariah.
Mr Hj Khairil Anuar Mohd Noor — Advisor
Khairil Anuar has been an international banker for over 27 years, where the past 18 years has been in Islamic Finance. Over the course of his career as a banker, he has had a significant exposure and experience across a multitude of area including wholesale banking, syndications, trade finance, debt and capital market, asset management, retail banking, cash management, banking operation, system implementation and product management to name a few.
Khairil had helmed HSBC Malaysia’s and Bank Simpanan Nasional’s Islamic Banking Division. He then moved to Dubai serving Emirates Islamic Bank as its Head of Marketing. His last posting was the Head of Structuring, Product Management and Business Intelligence for Wholesale Banking Group at Al Hilal Bank, Abu Dhabi, where he served for almost 10 years.
From 2006 until recently, Khairil has been instrumental in developing the Islamic Finance capabilities of Al Rajhi Bank Malaysia, Mashreq Bank, Dubai and Al Hilal Bank, Abu Dhabi and Kazakhstan within wholesale, retail and operation setting. He graduated with MBA from Saint Louis University in Missouri, USA in 1987, where he also spent 2 years working for a premier stock broking firm there.
Mr Zuheer Mohammed Majid — Advisor
Zuheer Mohammed Majid is an experienced banker whose career spans over almost 30 years. Now a Senior Vice President in Citibank Malaysia Berhad, his journey in banking began when he joined United Malayan Banking Berhad (now RHB Bank Berhad) in 1986. He then became Assistant Vice President at ABN AMRO Bank Berhad before serving Hong Leong Bank Berhad as Manager for Trade Finance and Correspondent Banking.
Zuheer’s expertise across many areas in the industry had landed him the Senior Vice President post in Citigroup Transaction Services Malaysia Sdn Bhd, where in year 2000, he joined them to oversee the trade services/finance operations and advisory services. He graduated from Irvine University, California with an MBA.
Mr Hj Zainuddin Md Yusof — Advisor
A market trader with a background in statistics, Hj Zainuddin started trading the global markets in the 1980’s. Aside from having more than 30 years exposure to the global markets, specializing in the US equity market; he has spent thousands of hours testing and enhancing technical trading tools to develop a state-of-the-art proprietary trading system — the Z2 System — which combines technical and fundamental analysis to identify optimum trading opportunities using cutting-edge technology.
Mr Hj Zulhisham Ayob — Advisor
Haji Zulhisham is a top-notch seasoned player in the media and marketing communications industries. He has over three decades of working experience in Broadcasting and Marketing Communications prior to founding Oranje-ISC. Among others, he had served as the Chief Operating Officer in Radio Airtime Services, Executive Vice President Marketing for IT Vista and Executive Director of Pakarmedia Sdn Berhad.
Apart from media industry, Haji Zulhisham is an entrepreneur who founded the Home of TAHFIZ Darul Siddir — A specialist Islamic religious institutions serving and nourishing Islamic spiritual needs promoting mainstream learning of Islam based on the Quran and Sunnah, preparing for the future generations. Home of TAHFIZ Darul Siddir is committed to the dissemination of Islamic knowledge through the traditional time honoured methods for the Glory of Allah (Glorious and Almighty He is) and in honour of our Prophet Muhammad (peace and blessing upon him).
Another outfit founded by Haji Zulhisham is Twentytwo Multi-Labels Concept Store skewed towards offering Muslimah fashions. With more than 100 brands housed under one roof physically and digitally, Twentytwo provides trading, branding and marketing solutions to its business partners and variety of affordable designer brands suitable not only for Moslems, but those who desires to look fashionable and elegant yet dignified.
Mr Khairu Rejal — Advisor
Khairu Rejal has more than 10 years of experience in the venture capital and start-up incubation space, initially at the Nanyang Technopreneurship Center (NTC) and later at Majuven, a Singapore-based venture capital firm focused on early growth and high-tech companies in Bio-Technology, Healthcare, Clean-Sustainable Solutions and Dynamic Digital Convergences. In 2017, Khairu along with other like-minded angel investors came together to launch Rekanext Capital Partners.
Currently, in Rekanext, Khairu as a Managing Partner is always looking out for start-ups across Indonesia, Malaysia as well as Philippines and Vietnam with a focus on enterprise software and deep tech verticals. He also sits on several committees of other non-profit organisations and has led initiatives in the social impact sector.
Mr Hj Che Salmi Che Ibrahim — Advisor
Che Salmi Che Ibrahim has been in the retail industry for the past 26 years. Starting with Sabasun Sdn Bhd, before it changed to its current household name; Sabasun Hyperruncit Sdn Bhd. A local entrepreneur with a global vision, at the moment he proudly owns three Sabasun hypermarkets and a warehouse, aiming to become more efficient in distributing its items.
Sabasun Hyperruncit Sdn Bhd will launch the Terengganu Halal Business Centre in January 2019, which will house the first ever Sabasun Mall, Parkson, a hotel, office units, F&B outlets with a bowling alley. Under Che Salmi’s leadership and dedication, Sabasun has won the Malaysian Ministry of Domestic Trade, Co-Operatives and Consumerism’s ‘Consumer’s Choice Award’ in 2009.
Che Salmi, a graduate in Psycholinguistics, is known not only for his skilful entrepreneurship, but also active in humanitarian and charity works. His Sabasun hypermarkets are famous among locals as it is able to cater the needs of the low-income earners. He is also known for organising fund-raising for people who are less fortunate in other countries like Palestine and Syria.
Madam Roseta Mohd Jaafar — Advisor
Roseta Mohd Jaafar started off her career in Corporate Communications with Mekar Idaman Sdn Bhd as a Senior Executive in 1997. Little did she know that she would flourish in that area and climb the corporate ladder at a rather fast pace. After Mekar Idaman, she moved to Intria Berhad as Assistant Manager before becoming Head of Corporate Communications at Opus International Consultants Limited just one year after that.
Roseta then advanced her career with UEM Group Berhad, as a Manager in the Corporate Communications department. After almost 2 years there, she then took a leap of faith to become the Vice President, Head of Group Corporate Communications and Public Affairs for EON Group Berhad in 2007. Her most lustrous career to-date was her 7-year and a half stint with Al-Rajhi Bank (Malaysia), as their Vice President, Head of Corporate Communications.
Now the Corporate Affairs Director at GCH Retail (M) Sdn Bhd, which owns over 120 Giant hypermarkets, 400 Guardian pharmacies and more than 16 Cold Storage supermarkets, Rosetta has in total more than 20 years’ worth of experience in Corporate Communications. She graduated from University of Leeds with BA (Honours) in TESOL and earned her Masters of Science degree in Corporate Communications from Universiti Putra Malaysia.
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2011.09.21 23:33 dnemer Collaboration LPs that have yet to seen the light of day

Here is a list of potential collab albums that have yet to become a reality:
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