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Founder Partner of Karim Business Consulting

Adiwarman Azwar Karim is Vice Chairman at the Council of the Working Committee on Sharia Capital Market of National Sharia Board of the Republic of Indonesia from 2010 to 2015 and assigned member of the National Sharia Board since 1999. Adiwarman Karim is also Second Chairman at Islamic Finance Indonesian Chamber of Commerce and Industry (KADIN) from November 2010 until 2015. As a seasoned Sharia scholar, Mr. Karim is best known in the industry for his valuable contribution in expanding the frontiers of Islamic banking and finance as president director and He has pioneered several innovative Sharia financial products for the industry and acted as Chairman of the committee for new Banking and Central Banking law and functioned as Sharia Expert at the Legal Drafting of Sukuk Act and Indonesia's Capital Market Authority to promote Islamic Finance. Besides his current assignment in numerous Sharia boards such Prudential Life Insurance, BNP Paribas Investment Partners, Great Eastern Sharia Insurance and from 2003 to 2008 at HSBC Arnanah Sharia Indonesia as well as for several national companies, Adiwarman Karim acted as International Sharia Expert for Asian Development Bank for the Establishment of Financial Services Authority.

Karim possesses a, wealth of academic and research experience in Indonesia, the MENA and Europe and received MBA from European University in Belgium and Boston University, USA. Karim initial supported the development of Islamic finance industry in Indonesia when he joined the first full-fledged Islamic Bank in Indonesia Bank Muamalat straight after formation in 1992 and later hold chair as vice president of the Muamalat Institute and Main Branch Head of Bank Muarnalat in Bandung until 2001. Recently he was member of the International Islamic Financial Market (IIFM) Sharia Advisory Panel in Bahrain and is a former visiting Research Associate at Oxford Centre for Islamic Studies in UK and initiator and lecturer of the Certified Islamic Financial Analyst Program at University of Indonesia. Moreover A. Karim presented several conference Papers, recently in Turkey on Microfinance and in Germany for the Sparkassen-Foundation and acted as Consultant for the Small Medium Entrepreneurs Promotion Project with GTZ back in 1998 and as chairman for the Banker's Certification Program for the Indonesian Sharia Rural Banks. He has authored several best-selling books on Islamic banking and finance and is a frequent speaker at industry conferences. His deep understanding of Sharia, hands-on experience of working on some of the most innovative Islamic financial products, excellent relationships with most of the top industry Sharia scholars and driving the Industry towards a great development not just in Indonesia, he is one of those who are right fit for a continues emerging Islamic finance industry.



Award :


IFS 2007


SWA Sembada

50 Enterprise, 2006


IKON 2008

INVESTOR, Sept 2010


SWA Sembada

Maestro, 2004


SWA Sembada

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FAITH-BASED MICROFINANCE IN INDONESIA By Adiwarman A. Karim (President Director, KARIM Business Consulting) Read more...


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