cxlvi About the Contributors -Abdul Rafayisapractitionercumacademician.Formorethan23years,Mr.Rafayhasbeenwork ingasafreelanceadvisor,consultant&trainertoawidevarietyofpublic&privatesectornationaland multinationalcompaniesintheareasofCorporateFinance,FinancialPolicy&Implementation,Auditing .Assurance,Accountancy,CorporateTaxManagement,FinancialTechnologyandSystemConsultancy& ,HehasbeenprovidingconsultancytovariousindustriesincludingTextile,AutoAssembling,Footwear ,Industrial/AgroChemicals,IceCream/Dairies,Glass/Ceramics,Healthcare,Mining/NaturalResources ,Packaging/Paper Sacking, Steel/Pipe Casting, Rice Processing, Brokerage/Co-operative Financing .SoftwareDevelopment,RealEstate,Printing/Publishing,andConstruction/CivilEngineeringetc.Mr RafayisaFellowmemberoftheInstituteofCharteredAccountantsofPakistan.Heisalsomemberof ;variousnationalandinternationalprofessionalbodiesincludingInstituteofInternalAuditors(IIA),USA AssociationofCertifiedFraudExaminers(ACFE),USA.Since2001,hehasbeenalifetimemember ofLahoreTaxBarAssociation.HehasservedasCo-regionalDirector(Founding)ofLahore-Islamabad ChapterofProfessionalRiskManagersInternationalAssociation(PRMIA),Washington,USA(2011- In2012,hewasnominatedasMember:Education&TrainingCommittee(ETCOM)ofThe.(2013 InstituteofCharteredAccountantsofPakistan(ICAP).HeisalsoamemberofICAP’s“IslamicFinance workinggroup”whichiscloselyinliaisonwithStateBankofPakistanandotherstakeholdersforIslamic FinanceAccountingandAuditingStandards.HeisAlumniofRausingExecutiveDevelopmentCenter REDC),LahoreUniversityofManagementSciences(LUMS),Pakistan.In2014,InternationalFinance) Corporation(WorldBankGroup)selectedhimforTrainingofTrainers(ToT)forCorporateGovernance ActionPlanningforSMEs.HeisalsoanapprovedtrainerforInstituteofFinancialMarketsofPakistan IFMP)establishedbySecuritiesandExchangeCommissionofPakistan,thecorporateregulator.In) -hisnamegotincludedinthelistof“CertifiedDirectors”asperClause(xi)ofTheCodeofCor,2013 porateGovernance2012issuedbySECP.Since1994,Mr.Rafayhasalsobeenassociatedwithteaching insomeofthetopbusinessschoolsofPakistan.Hisspecializedsubjectsofinterestinclude:Strategic -CorporateFinance,FinancialDerivatives,Investments/PortfolioAnalysis,InternationalFinancialRe &portingStandards,CorporateRestructuring(Mergers&Acquisitions),FinancialStatementAnalysis CorporateTaxation.HealsoservedasaninstructorinCivilServicesAcademy,PakistantotraintheCSS -OfficersselectedbyFederalPublicServiceCommissionofPakistan(FPSC).CurrentlyheisaProfes sorofFinance&AccountinginUniversityofManagement&Technology,Pakistan.Hehaspublished morethantwodozenresearchpapersinSSCI,ESCIandScopusindexedjournalspublishedbyreputed globalpublishersincludingEmerald,Sage,Taylor&FrancisandIGIGlobal.Hecontributedmultiple chaptersinBookseditedbyInternationalEditors.In2019,heeditedabook“FinTechasaDisruptive .TechnologyforFinancialInstitutions”publishedbyIGIGlobal,USA ***   About the Contributors Abd Hakim Abd RazakisanAssistantProfessorofEthics&LawatAjmanUniversity,United ,ArabEmiratesandalsoaSeniorResearchAssociateattheInstituteofLaw,SouthUralStateUniversity Russia.ArecentPh.DgraduateoftheSchoolofLaw,TrinityCollegeDublin,hisresearchfocusedon theinterlockingdirectorshippracticeofSharia’scholarsacrosstheSharia’boardsofIslamicfinancial -institutionswithinthekeyIslamicBankingindustrialregionofQISMUT(Qatar,Indonesia,SaudiAra ,bia,Malaysia,UnitedArabEmirates,andTurkey).HereadlawatUniversityofTechnologyMARA .Malaysia,beforepursuinghisLL.MinBankingLawattheInternationalIslamicUniversityMalaysia -HavingservedasanAssistantProfessorofLawatXiamenUniversityMalaysiaandaProgrammeCoor dinatorofLawattheManagement&ScienceUniversityMalaysia,Hakimhadlecturedacrossnumerous ,lawsubjectssuchasinternationalcorporategovernance,internationalbusinesslaw,commerciallaw introductiontolaw,Malaysianlegalsystem,Islamiclaw,companylaw,Islamicfinancelaw,contract law,tortslaw,constitutionallaw,criminallaw,cyberlaw,andtourismlaw.Hakimhadalsoservedasa diplomaticofficerfortheMinistryofInternationalTradeandIndustryMalaysia,wherehewasinvolved -incalibratingtheMalaysiangovernment’scommitmentattheWorldTradeOrganisationandthegovern ment’sefforttoliberalisethelocaltradeandservicesindustry.Priortothisposition,Hakimhadserved asalegalofficerwiththeSepangMunicipalCouncilanddirectlyinvolvedinthemajoramendmentsof keyby-lawswithinthestateofSelangor.Amulti-lingualacademia,heisconversantinfourlanguages .Malay,English,IndonesianandJapanese- Magda Abdel MohsinisanAssociateProfessorattheInternationalCentreforEducationinIslamic .Finance(INCEIF),SchoolofProfessionalStudies (Muhamad AbduhwasborninJakarta,May1981.HecompletedhisBachelorofScience(Statistics -fromBogorAgriculturalUniversity,Indonesia,inSeptember2004andhisfirstmasterdegree,Magis terHukumIslam(FiqhAl-Mu’amalat)fromIbnKhaldunUniversity,Bogor,Indonesia,inSeptember Hecompletedhissecondmasterdegree,MasterofEconomics(IslamicEconomics)andPhDin.2006 BusinessAdministrationwithspecializationinIslamicBankingandFinancefromtheInternational IslamicUniversityMalaysia(IIUM)inJune2009andDecember2011respectively.Abduhhaswritten morethan50journalarticlesandfourbooksintheareaofIslamicfinance.PriortojoiningtheUBD SchoolofBusinessandEconomics(UBDSBE),AbduhwasanAssistantProfessorattheIIUMInstitute ofIslamicBankingandFinanceandtheHeadofResearchfortheInstitutefrom2012to2015.Hewas thefoundingeditor-in-chiefofJournalofIslamicFinance.Currently,AbduhisanAssociateEditorof InternationalJournalofIslamicandMiddleEasternFinanceandManagementandAsianJournalof AccountingResearch(publishedbyEmerald)andEditor-in-ChiefofIQTISHADIAJournalofIslamic .EconomicsandBusiness Abdulazeem AbozaidholdsaPhDandMasterinIslamicfinanciallaw.HealsoholdsthreeBAsin Islamiclaw,ArabiclanguageandEnglishLiterature;twohigherstudiesdiplomasinIslamiclawand ,Humansciences.HehasextensiveworkingexperienceasaLectureratDamascusUniversitysince1998 thenatInternationalIslamicUniversityMalaysiaspecializinginIslamicFinancialLaw.Hehasconducted .manyworkshopsandtrainingcoursesatseveralIslamicbanks,financialinstitutionsanduniversities HecombinesbetweenthepracticalexperienceinIslamicbankingthroughworkingatdifferentIslamic banksasShariahexpert,trainerandShariahheadandbetweentheacademicknowledgeinIslamic financiallaw.Dr.Abdulazeemhasworkpublishedinmanyinternationaljournalsandnewspapers,and cxlvii About the Contributors hehadpresentedmorethan50papersatinternationalconferences.HisexpertiseinIslamicFinanceis -demonstratedbyhisreleaseofmorethan60publicationsinIslamicfinance.Currentlyhisrecentposi .tionisassociateprofessoratQatarFoundation,IslamicFinanceProgram Imran-Firdauz Abu BakarisaMaster’sgraduatefromINCEIFwhohasmorethan12yearsof engineering experience in the semiconductor industry, designing integrated circuits and supporting CADservices.ApartfromresearchinIslamictradefinancing,hisacademicpapersincludedGenetic AlgorithmsforActiveControlandPseudorandomBinarySignals.Currently,heisinvestigatingFintech .applicationinIslamicFinance Mustapha AbubakarisaSeniorLecturerintheDepartmentofBankingandFinanceinAhmadu ,BelloUniversityBusinessSchool,Zaria-Nigeria.Priortojoiningtheacademiccommunityin1999 heworkedasabankingofficerinUnionBankofNigeriafornearlythreeyearsfrom1996to1999.He -obtainedaDiplomainAccounting,B.Sc.BusinessAdministration,MBA,M.Sc.BusinessAdministra tionandPhDallfromAhmaduBelloUniversity,Zaria-Nigeriain1989,1993,1995,2010and2017 respectively.Hehasparticipatedinmanyacademicconferencesasapaperpresenterinconventional .andIslamicFinance,BankingandeconomicsareasinNigeria,Malaysia,SaudiArabiaandBangladesh HehasalsopublishedpapersinacademicjournalsinNigeriaandabroadandreviewedanumberof academicpapersforseminars,theses,journalarticlesandbooksinareasofIslamicbanking,economics andfinance.Thisisinadditiontoothernumeroussupervisionworksofundergraduateandpostgraduate .studentsheundertook Philippe AdairisaProfessorshipinEconomics.HewastheDeanoftheFacultyofEconomicsand Management,UniversityParis-EstCréteil(2009-2014).PhDinEconomics(1980).PhDinSociology Vice-ChairmanofAssociationTiers-Monde(2013-2019)publishingMondesendéveloppement.(1989) rankedeconomicsjournal).MemberofacademicresearchunitEquipedeRecherchesurl’Utilisation) -desDonnéesIndividuellesenlienaveclaThéorieEconomique.Expertiseinfinance,Islamicandmi crofinanceintheMENAregion.Since1999,heauthoredarticles(9),internationalconferencepapers