PLC is a lecturer in the Department of Economics in France and JumUlyadh, Saudi Arabia, with a PhD from the Islamic Finance Center in France and degrees in economics from the University of Richmond and the University of A. He began his academic career in 2007 as Head of the Economics Department at Samarkandule of Economics and Service. He has lectured at Wecmender International University in Tabeer and served as Senior Lecturer and Programme Director at the Management Development Institute of Singapore. Dr. Azdov has published extensively and reviews papers for international journals. Boktiode Namuk is a PhD candidate in Islamic finance at UM, with a bachelor's in Islamic studies from Thenentiekistan and a master's in finance from PICEF Malaysia. He completed the Chartered Islamic Finance course in 2015 and works in finance education, focusing on Islamic banking and capital markets.