Takaful
Shariah-Compliant Insurance, Built on Global Expertise
City & Commercial Insurance Group (C&C) proudly introduces its Takaful division, dedicated to delivering ethical, Shariah-compliant insurance solutions that combine financial protection with the principles of mutual assistance and shared responsibility. Our approach is guided by internationally recognized scholars in Islamic finance who bring unmatched expertise in Shariah governance, financial innovation, and inclusive insurance models.
Shariah Governance Leadership
Mufti Faraz Adam – Shariah Advisor
Mufti Faraz Adam is a globally recognized Islamic finance scholar and Shariah advisor, widely respected for his expertise in Islamic commercial law, fintech, and ethical finance. As Executive Director at Amanah Advisors, he supports leading financial institutions in achieving Shariah compliance across banking, investment, and emerging technologies. With traditional Islamic scholarship credentials and postgraduate qualifications in Islamic finance and fintech, Mufti Faraz is uniquely positioned to bridge classical jurisprudence with modern financial innovation, ensuring that C&C’s Takaful offerings remain authentic, ethical, and forward-looking.
Dr. Mohamed Anouar Gadhoum – Chairman, Shariah Board
Dr. Mohamed Anouar Gadhoum serves as Chairman of the Shariah Board for C&C Insurance Group. With over 15 years of experience in Shariah governance, Takaful structuring, and inclusive financial innovation, Dr. Gadhoum is a global leader in Islamic insurance and reinsurance. Alongside his role at C&C, he advises regulators, central banks, and leading Takaful institutions across Europe, Africa, and the GCC.
Dr. Gadhoum’s leadership spans multiple institutions including El Amana Takaful (Tunisia), Tunis Re (MENA), Coris Life Insurance (West Africa), and Continental Re (Africa). As co-founder of PayDay Takaful, he is also driving the digital transformation of Takaful through micro-insurance and Shariah-compliant salary-backed solutions. His academic credentials include a Ph.D. in Islamic Banking & Finance from INCEIF, alongside certifications from AAOIFI (Bahrain) and CIIFP (Malaysia).
Our Commitment
City & Commercial Insurance Group Takaful is committed to:
- Authentic Shariah Compliance – Guided by leading global scholars.
- Innovation & Inclusion – Leveraging FinTech and InsurTech for wider access.
- Sustainable Protection – Delivering products that balance risk-sharing with financial security.
Together, our Shariah Board and advisors ensure that every product, process, and partnership is aligned with the principles of fairness, transparency, and ethical responsibility.