Garden Path

Advisory Board


Khalid Howladar


Mr. Howladar is prominent expert in Middle East and Islamic markets, the Islamic economy and fintech.  Through his firm Acreditus, he acts as both an investor and a Senior Board Member/Advisor for numerous technology and Islamic economy start-ups from the U.S. to Indonesia. Mr. Howladar also serves institutional and sovereign clients as the current Head of Credit & Sukuk for R.J. Fleming & Co., the advisory arm of the Fleming Family, which has over 150 years of heritage in Frontier & Emerging Markets. Previously, he was the Global Head of Islamic Finance & Gulf Cooperation Council ("GCC") banks for Moody's Investors Service in London & Dubai. He began his career as risk manager at Credit Suisse.

With his extensive experience in the credit, risk, and tech technology markets, Mr. Howladar has addressed stakeholders ranging from the World Bank to the Islamic Development Bank, as well as institutional emerging market investors and pension funds worldwide.

Mr. Howladar holds a Masters of Science in Finance from London Business School and a Masters of Science in Information Technology and Bachelor of Engineering in Software Engineering from Imperial College London (UK).


Dr. Omar Clark Fisher


Dr. Fisher is a leading expert on building businesses, Islamic finance and risk management through Takaful insurance. He has co-founded, managed and/or advised such startups as: Unicorn Investment Bank, Bahrain; T'Azure (regional Takaful Comany, Bahrain; IW Technologies, Dubai; Abundance Learning Academy, Wyoming; iwealth MoneyPal and Asset Allocation trading game, Dubai. Most recently, Dr. Fisher co-founded Takaful Taawuni along with Bank Aljazira, Jeddah, Saudi Arabia.    
Previously, Dr. Fisher founded Sana Financial, an Islamic finance company, for the North American Islamic Trust in 1996. He established the first commercially run Islamic leasing company in the U.S., BMI Leasing, Inc., in 1992. From 1983 to 1992, Dr. Fisher was an Investment Guaranty Officer at the Overseas Private Investment Corporation (OPIC), where he assisted financings and risk guaranties for 120 projects in 29 countries.

Dr. Fisher holds a Doctors in Philosophy in the Science of  Management of Takaful, jointly administered by Malaysia’s Asian School of Management and Camden University of USA. He also holds an ; an Masters of Business Administration from HULT International Business School (formerly known as the Arthur D. Little School of Management); a Masters in Education from University of Dublin in Ireland and a Bachelor of Arts in Poetry from Yale University.


Quintin Gray


Mr. Gray is President and CEO of Q. Gray and Associates. He served as Agriculture Counselor for more than 20 years at U.S. Embassies in Africa, the Middle East, and Europe helping U.S. companies market their food products.  After leaving the federal service in 2016, he started Q. Gray and Associates, a consulting company that provides trade promotion and food safety/security services. 

Mr. Gray’s clients include: the Western United States Agricultural Trade Association, the American Soybean Association, the American Indian Foods organization, the U.S. Department of Agriculture, and the North Carolina Department of Agriculture.


Mr. Gray is a Lead Instructor for the U.S. Food and Drug Administration ("FDA") Foreign Supplier Verification Program ("FSVP"), where he teaches a 2-day course to help US and foreign companies meet FDA food import requirements.  He speaks regularly on agricultural trade issues at various conferences including the National Restaurant Association Show and the U.S. Dairy Export Council’s Halal Workshop.  He serves on advisory committees at the Fairfax University of America and North Carolina Agricultural and Technical State University.  He is fluent in French.

Mr. Gray has a Masters in Agriculture and a Bachelors of Science in Economics from North Carolina Agricultural and Technical State University. 


Rasmus Calmann-Hinke


Mr. Calmann-Hinke is an industry expert on the global food and beverage industry - specializing in growth, International expansion, innovation, strategy and transformation. He has a dual background in top tier strategy consulting firms (e.g. Booz & Company, EY Parthenon) and from industry leadership positions. Most notably from Arla Foods, one of the world’s leading dairy companies, where he served as Group Strategy Officer, head of Commercial Operations for the international business, and also launched several new ventures outside the core business.

He now acts as independent advisor and active board member in selected businesses - preferably with a food and beverage focus. All with the purpose to co-create and build winning businesses fit for the future. He is a true business builder with a global mindset - and uniquely blends a clear perspective on strategy with execution and operational value creation where he leverages his industry experience at both local, regional and global level, and from having worked first-hand with several of the world’s leading food and beverage brands.

Mr. Calmann-Hinke holds a Masters of Science in International Marketing & Management from the Copenhagen Business School. And has studied at INSEAD (France), London Business School (UK), and Richard Ivey School of Business (Canada).


Dr. Clarence B. Jones


Dr. Jones served as political advisor, counsel and draft speechwriter for the Reverend Dr. Martin Luther King, Jr.,  He subsequently joined Sanford I. Weill and Arthur Levitt, Jr. in Carter, Berlind & Weill, Inc. as an Allied Member of the New York Stock Exchange, becoming the “First African American” partner in a Wall Street investment banking firm.  Dr. Jones has been twice recognized as Fortune Magazine’s “Business Man of the Month”, and founded successful financial, corporate and media-related ventures.
Dr. Jones has received numerous state and national awards recognizing his significant contributions to American society. Through his work in the civil rights movement, he has dramatically impacted the course of American history.
Dr. Jones holds a Juris Doctor degree from Boston University’s School of Law and a Certificate from The New York Institute of Finance and the NASD and also holds a Bachelor of Arts degree from Columbia College, Columbia University. 

Additionally, Dr. Jones has an Honorary Doctorate in Communications from Allegheny College in Allegheny, PA, Honorary Doctorates of Humane letters, Drew University, Madison, NJ, Lincoln University, PA and the University of San Francisco.