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HARRIS IRFAN is one of the world’s leading Islamic finance bankers. He is the founder and managing partner of Cordoba Capital, an independent Islamic finance advisory firm, and was formerly global head of Islamic finance at the Barclays Group. Before working at Barclays, he was a cofounder of Deutsche Bank’s world-leading Islamic finance team. He has represented various institutions to media organizations such as the BBC, CNBC, Bloomberg, Reuters and the Financial Times. Born in 1972 to parents of Pakistani origin, he was brought up in the UK and has a BA and MA in physics from the University of Oxford. He lives in Dubai.

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Inside the Hidden World of Islamic Finance

One of Grant Thornton’s 10 Best Business Books of 2014


A case study in the challenges of balancing profit and principle…. His message ought to be recited by bankers of every creed – WALL STREET JOURNAL


Irfan tells the story of high jinks and deceitful behaviour with great relish…. The debate between scholars attacking and defending Islamic finance is particularly illuminating – INDEPENDENT


Irfan uses his own professional and personal experiences to weave together an accessible and interesting story – TELEGRAPH 


The first book for a general audience to tell the story of the development of the Islamic finance industry from the perspective of an insider. 


Islamic finance today is a trillion-dollar industry. It is fast becoming the main way in which large projects get funded globally (such as buildings, aircraft, shipping) and many financial analysts expect Islamic banking assets worldwide to double within five years. This is because the system is seen as equitable to all parties and has built-in transparency – so it’s much in demand despite today’s gloomy global economic climate.


Harris Irfan has been at the centre of this world for around 15 years. In HEAVEN’S BANKERS, he provides an authoritative yet entertaining account of how a system of finance invented in the seventh-century Middle East is fast taking over the world of modern banking. The book draws on his firsthand relationships with some of the world’s leading bankers, scholars and lawyers, many of whom attend a single mosque in Dubai, the Masjid Al-Samad, the epicentre of today’s Islamic finance revolution. An ‘Al-Samadi’ himself, he provides a warts-and-all description of the industry; debunks some myths about Islamic finance – such as its perceived relationship with the financing of terrorist activity or its incompatibility with Western values; and asks whether today’s Islamic finance industry is true to the fundamental principles of a faith committed to social justice.


Was for example the recent Islamic bond issued by Goldman Sachs to fund its conventional trading activities a legitimate use of Islamic investors’ funds or a cynical exercise in preying on people’s religious insecurities by offering a conventional, interest-bearing bond by another name? In issuing fatwas, or edicts, on Sharia-compliant financial products, were the religious scholars complicit in this alleged subterfuge or were they duped by the bankers of Goldman Sachs? Has the industry forgotten its basic premise of ethical finance and learnt instead how to replicate the excesses of the conventional banking industry?


As the managing partner of a leading Islamic finance advisory firm and the former global desk head of one of the world’s leading financial institutions, Irfan is in an ideal position to explain to the non-expert reader the mechanics of the most complex and innovative financial products. With his strong yet informed opinions about the ethical practices and direction of the industry, this is a book that should appeal not only to people who normally buy business and finance books but also to those with a more general interest in moral philosophy, politics and religion.


Publisher: Constable & Robinson

Publication: 19 June 2014

Length: 352 pages


All rights available excluding:

 World English Language (Constable)


For US rights contact Andreas Campomar at Constable & Robinson (