Authors’ Biography Professor Houssem Rachdi Professor Houssem Rachdi holds a Ph.D. as well as a M.Sc and a B.Sc in Financial and Banking Economics. Dr. Rachdi is a financial economist with consulting, research and teaching experiences in financial development, economic growth, corporate and banking performance, bank risk taking, institutions quality, banking and financial crises, prudential and banking supervision, corporate governance. Dr.Rachdi teaches in the areas of Microeconomics, Macroeconomics, Financial Engineering, Corporate Finance, Financial Accounting, Cash Management, Management Performance, Management Quantitative Techniques, Statistics and Probability his publications appeared in many international referred journals such as in the Journal of Islamic Economics, Banking and Finance, Procedia Social and Behavioral Sciences Journal, International Journal of Islamic and Middle Eastern Finance and Management, Journal of Islamic Accounting and Business Research, Review of Economic Perspectives, Journal of Empirical Economics, International Journal of Financial Economics, International Journal of Economics, Finance and Management, International Journal of Business and Social Research, Interdisciplinary Journal of Research in Business, Journal of Business Studies Quarterly, International Journal of Business and Management, International Journal of Economics and Finance and Panoeconomicus. Dr. Rachdi is the director of the MBA in Banks and Insurance at the Faculty of Law, Economic and Management of Jendouba and Senior Consultant in Corporate Governance at the French Corporate Governance Association. Ben Jedidia khoutem Ben Jedidia khoutem is a Tunisian Assistant Professor of economics at The High Institute of Accounting (ISCAE) (Tunisia) and a Research associate in the research unit in Development Economics (URED, Faculty of economics and management in Sfax, Tunisia). She received a Master's Degree of Advanced Studies in Money, Finance and Banks from Université Lumière Lyon II (France) in 1994, and completed a Ph.D in Economics at Université Lumière Lyon II (France) in 1998. Her first academic job was as an Assistant Professor at the Faculty of economics and 188 Authors’ Biography management in Sfax from 1999-2004. Dr. Ben Jedidia’s research focuses on financial intermediation, monetary economics and Islamic finance. Hichem Hamza Hichem Hamza holds a “Doctorat in Sciences Economiques” from the University of Clermont-Ferrand, France. He is an Assistant Professor at the University of Manouba and a researcher in monetary policy, Islamic banking and finance at the Laboratoire d’Economie et Finance (ECSTRA). He was a consultant-trainer in banking project management at BBVA Bank, Spain. His research interests include Islamic finance and banking, monetary policy and financial crisis. Dr Hussein Abdou Dr Hussein Abdou is currently a Professor of Finance & Banking at The University of Huddersfield Business School, THE (Times Higher Education) University of the Year, 2013. He held various positions and most recently Reader at The University of Salford Business School. He previously worked at The University of Plymouth Management School where He completed his PhD and Mansoura University, Egypt. His academic background is in Finance & Banking, including credit risk management, Islamic banking & finance, and applications of non-parametric modelling techniques such as neural networks and genetic programming in Finance and Banking; whilst his professional background is in building scoring models for banks in a number of developing countries. Also, he developed MSc and PG Cert. Islamic Banking & Finance, The University of Salford Business School, UK, 2010/2012. Professor Abdou is a member of The Islamic Studies Network, UK; External reviewer and marker for CIMA Certificate in Islamic Finance in the UK; and a member of the RMA (Risk Management Association) Serving the Financial Services Industry (USA). Also he is affiliated with The Centre for Maritime Logistics, Economics and Finance (CEMLEF) at The University of Plymouth School of Management, UK. As an expert in Islamic Banking & Finance, Professor Abdou is a member of the Editorial board of a number of International Peer Reviewed Journals including International Journal of Islamic and Middle Eastern Finance and Management and Global Islamic Finance Magazine. As an active researcher in Finance, Professor Abdou has widely published in international peer reviewed journals including International Financial Markets, Institutions and Money, Expert Systems with Applications, International Business Review, Intelligent Systems in Accounting, Finance and Management, Journal of Risk Finance, International Journal of Managerial Finance, and International Journal of Islamic and Middle Eastern Finance and Management. 189 Journal of Islamic Economics, Banking and Finance, Vol. 10 No. 3, July – Sep. 2014 Omar A. Muslem Omar A. Muslem comes from Republic of Yemen, and attended the University of Salford, Manchester, UK, where he received his master degree in International Banking and Finance in 2010. During his years at Salford University, Mr. Omar has pursued studies related on Islamic Banking, international banking, Islamic Finance, investments, monetary economics and risk management. His senior essay ‘’Risk Management Practices in republic of Yemen: Are Islamic banks different?’’. He is currently working in private sector in financial department. Rifki Ismal Rifki Ismal is both a central banker and associate professor at the Economics Department, University of Indonesia, Jakarta Timur, Jakarta, Indonesia, He earned bachelor degree in economics from University of Indonesia, master in economics from University of Michigan, ann arbor (USA) and PhD in Islamic economics and Finance from Durham University (England). An Associate Professor in Islamic Banking and Finance is from the Australian Government (Australian Center for Islamic Financial Studies). Besides lecturing in some universities in Indonesia such as University of Indonesia, IPB, ITB, he ever lectured at Strasbourg University (France). Last year, he published a book titling: Islamic Bank in Indonesia (John Wiley and Sons) and this year (2014) he contributes a chapter on Indonesian Islamic finance in another John Wiley and Sons titling: Handbook of Islamic Finance. Moreover, he has published more than 30 articles in reputable international journals such Review of Islamic Economics (England); Journal of Islamic Banking and Finance (Pakistan); Journal of Islamic Economics, Banking and Finance (Bangladesh); IQTISAD International Journal of Islamic Economics (Indonesia – Malaysia); International Journal of Management Research (India dan University of Philadelphia, USA); ISRA International Journal of Islamic Finance (Malaysia); Gajah Mada International Journal of Business (Indonesia); Kyoto Bulletin of Islamic Studies (Kyoto University, Japan); Al-Liqa Journal (Palestine) and; ones published by Emerald Journal Series (England) for examples Humanomics International Journal of system and ethic; International Journal of Islam and Middle Eastern Finance and; Journal of Studies in Economics and Finance. Dr. Sutan Emir Hidayat Dr. Sutan Emir Hidayat is an assistant professor and academic advisor for Islamic finance at University College of Bahrain. Dr. Hidayat obtained his PhD and MBA in Islamic Banking and Finance from International Islamic University Malaysia (IIUM). 190 Authors’ Biography Dr. Hidayat is actively engaged with academic research. He has presented several papers at reputable international conferences such as IRTI conferences in Indonesia, Malaysia and Qatar, AAOIFI-World Bank Annual Conference on Islamic Banking and Finance (2011 and 2012) in Bahrain, GRM 2012 at University of Cambridge, UK and 11th Harvard University Forum on Islamic Finance held at Harvard Law School, Cambridge, Massachusetts, USA. Dr. Hidayat has also published several research papers in peer reviewed international journals. Among them are Journal of Economics and Finance, CCSE, International Research Journal of Finance and Economics, International SAMANM Journal of Finance and Accounting, Journal of US-China Public Administration, Journal of Pedagogical and Innovations and other reputable journals. .In addition, he is also a reviewer for the International Journal of Islamic and Middle Eastern Finance and Management, Emerald, a member of editorial board of SAMANM journals During his academic career, he has completely supervised and examined 21 MBA theses. He also contributed chapters in three books and regularly publishes articles in Islamic Finance News (IFN)-Red Money and other reputable magazines, newspapers and databases. At IFN, Dr. Hidayat has been appointed as a sector correspondent for Takaful and Re-Takaful. In early 2013, Dr. Hidayat was involved in developing examination questions for Certified Islamic Professional Accountant (CIPA), a professional certificate offered by AAOIFI. Dr. Hidayat also serves as a member of advisory committee for centre of Islamic finance and external research associates at Bahrain Institute of Banking and Finance (BIBF). He is also an active member of Indonesian community serving as the vice president of Indonesian community in Bahrain (Nov 2012-Oct20013), the chairman for the Association of Indonesian Islamic Economists (IAEI)-Bahrain Chapter and a commissioner of the special task force for the 2014 Indonesian general election (PPLN) in Bahrain. Dr. Hafiz Majdi Abdul Rashid Dr. Hafiz Majdi Abdul Rashid is an Associate Professor