Personal Finance Expert, Speaker and Financial Literacy Advocate

Altruistic and financial at heart, Ismail Karfal has been in the business world since 2004. Born in a middle class family in Errachidia, Ismail is familiar with the challenges and complexities he must face to manage his money daily.

Financial engineer of the National institute of statistics and applied economics in Morocco in 2003 and a holder of an MBA in management control of the business school ESG in France in 2010. He is avid to support friends and relatives and passionate about Islamic Finance, especially with the overhaul of the financial system and the launch of participative finance in Morocco. Thus, he become certified Islamic Finance expert (CIFE) and certified Takaful professional (CTP) of the Academy for International Modern studies of the United Kingdom in 2014. He was able to work his first impression in field of financial planning when he was employed in the department of actuarial studies and asset liability management at the Moroccan pension fund. During this period the government launched the process of reform of the retirement system at the National level. Very accustomed to extend a boom to friends and relatives on quite varied topics of finance, and passionate about education, he had the Certified Financial Education Instructor (CFEI) issued by NFEC in the USA.

He wished to contribute actively to the realization of the national strategy of financial education. He offers awareness seniors to different age groups (children/adults, youths, seniors) and different social classes (average, wealthy), around different topics of money management (budget, debt, retirement, investment…).

He remembers how his friends ask for explanation and tips to help them understand the areas of money management such as taxes, budget retirement insurance and investment choices.

During his career, he was able to develop his skills in the different areas of business management. He considers the quality and customer’s satisfaction as the masterpiece of any lasting success of any company, Not to mention the standards and the industrialization of good management practices.

Looking forward to developing his leadership skills, he followed an executive program of the prestigious HEC of Paris which was a great opportunity to consolidate his knowledge, know-it-to-be, and know how.