(Senior Researcher, ISRA, Kuala Lumpur, Malaysia) Dr. Faruq is currently Senior Researcher at ISRA, Associate Professor at INCEIF, Malaysia, and Chairman of the Shari'ah Advisory Board at Islamic Cooperative Finance Australia Ltd., Australia. He serves as editor of International Journal of Excellence in Islamic Banking and Finance, and co-editor of ISRA International Journal of Islamic Finance, and sits in the editorial advisory boards of 3 Emerald published journals. His varied career experiences span the areas of Islamic banking and finance,

Mr. Rajesh K. Aggarwal Ph.D. served as a Consumer Director of Medica Health Plans, Inc. since 2008. Dr. Aggarwal serves as a Consultant to Pacific Alternative Asset Management Company. His areas of expertise include corporate governance, corporate finance and corporate valuation. He has an extensive background in the economics of organizations and has conducted research on bankruptcy, executive compensation, boards of directors, performance evaluation, and fraud. He has been a Director of Medica Health Plans, Inc. since 2008. He serves as a Director of Minneapolis Biomass Exchange, LLC.

Mr. Tayyeb Afzal is Finance Director at House of Habib, Associate Member at Association of Chartered Certified Accountants (Pakistan) and Associate Member at Institute of Chartered Accountants in England & Wales. He is on the Board of Directors at Dynea Pakistan Ltd. Mr. Afzal was previously employed as Chief Executive Officer by National Development Leasing Corp., Country General Manager by Faysal Islamic Bank of Bahrain EC, and Vice President by Arab Banking Corp.