DR GHULAM ASHRAF

A brief Overview:

My background includes :-

BSc, MRes, PhD in the Natural Sciences

PgD, MA in Islamic Economics, Banking & InsuranceCommunity & Humanitarian Activities for past 20 years or so

Personal Ambition :-

Strive To Make A Difference so that we can be worthy of the responsibilities and duties bestowed by the creator, and feel that our lives were of some positive benefit to mankind, rather than feeling that we have wasted our time on earth and been of no benefit to human beings whatsover in any capacity at all (which would be sad)...