Autor: Othman Altwijry

Professor Toseef Azid is a Professor of Economics at the College of Business and Economics at Qassim University in Saudi Arabia. He has a Ph D in Economics from University College of Wales, Aberystwyth, in the UK. He received a COT Scholarship from the Government of Pakistan to study at UCW, as well as an Overseas Research Scholarship from the British government, and a Fulbright Award Scholar in Residence (2006) where he worked on a research project on „Economics of Middle Eastern Countries”. He has taught in Pakistan, Brunei, the UK, the US, and Saudi Arabia. He has published more than 60 papers in local and international journals, and has published six books to date. Dr Murniati Mukhlisin is currently a Rector at Tazkia Islamic University College, Bogor, Indonesia. She studied Islamic accounting at International Islamic University Malaysia (bachelor degree),  University of Indonesia (masters degree) and University of Glasgow, United Kingdom (Ph D). Murniati has working experience in banking, audit and IT services. Murniati started her career as a lecturer in Islamic Accounting and Finance in 2002 and she is currently Islamic Accounting certified. She became research assistant at University of Glasgow in 2014 and lecturer and researcher in Accounting at Essex Business School, University of Essex, Colchester, UK from 2015 to 2017. Her research interest is in the areas of Islamic accounting, Islamic banking and finance, and Islamic financial literacy. She authored a number of books and international journal papers and hundreds of articles published in national and international media. She received research and travel grants and several awards for her research papers. She also assumes position as a Editorial Board Member in several journals, Founder in Sakinah Finance and Sobat Syariah, Commissioner at One Shaf Plus Security Crowd Funding, a Board Member at Indonesian Economist Association, Indonesian Association of Islamic Economist, Indonesian Institute of Accountants, Indonesian Islamic Fin Tech Association and Financial Planning Standards Board Indonesia. Dr. Uthman Ibrahim is the Vice Dean in the College of Business and Economics at Qassim University in Saudi Arabia. His background is in jurisprudence.