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Dr. Firdous Ahmad Malik was born in India and is currently employed by the University of People as an Assistant Professor of Economics (instructor), Department of Management. Currently he is perceiving Post Doctoral research at Amity Dubai University. Before that, he was a research fellow at the National Institute of Public Finance and Policy (NIPFP) in Delhi, India. Prior to this, he was a senior research associate at the O.P. Jindal Global University in Sonipat, Haryana's Jindal Center for the Global South. From Babasaheb Bhimrao Ambedkar University in Lucknow, India, he received his Ph.D. He has a Master's in Economics from the University of Kashmir and an MPhil in Economics from Babasaheb Bhimrao Ambedkar University Lucknow. Microfinance, financial inclusion, and financial literacy are his main areas of study interest. He has articles in journals that are Scopusindexed from Springer, Elsevier, Taylor Francis, and others. Moreover, he has published more than six books which includes the first book on “Financial Inclusion Schemes in India” published by Springer released. His second book, “Financial Behaviour of Urban Destitutes in India,” by Notion Press. Third book, “Health System in Jammu and Kashmir Challenges and Opportunities,” is published by Shineeks. His Fourth book, “Asymmetry of Information and Lending Risk Livelihood Pattern of Street Vendors in India,” is published by Booksclinic. The fifth book, “Linkage Between Interest Rate Policy and Macro Economic Variables Issues and Concerns of Indian Economy,” is published by Booksclinic. The sixth book, “Repatriation Management and Competency Transfer in a Culturally”, is published by Springer. His forthcoming books are Economics of Financial Inclusion to be published by Routledge Publication and Fostering Industry-Academia Partnerships for Innovation-Driven Trade by IGI publication. Microfinance, Development Economics, Monetary Economics, and Public Finance are areas of expertise. To promote research among the upcoming young generation, Dr. Firdous at present is associated with specific international organizations viz. Young Scholars Initiative (YSI). He further keeps on contributing and promoting research by participating as a presenter and along with serving as session chair, review panelists in national and international conferences across the globe. For his tireless contribution to promoting young researchers, he has been awarded by the Jindal Center for Global South two best paper presentations and AIBPM Malaysian conference organizers as a best reviewer award in June 2023. Dr. Vijay Prakash Gupta Ph.D. (Management), M.B.A, M.A.(Eco), UGC NET(Mgmt.) Associate Professor & Ph.D. Coordinator GLA University, Mathura, U.P. India. A. K. Haghi , Ph.D., is a retired professor and has written, co-written, edited or co-edited more than 1000 publications, including books, book chapters, and papers in refereed journals with over 4000 citations and h-index of 33, according to Google Scholar database. He was appointed as Honorary Research Associate (HRA) of Bioprocesses and Bioproducts Group, Facultad de Ciencias Químicas, Universidad Autónoma de Coahuila, Saltillo, Coahuila, México. He has also been appointed as Honorary Research Associate (HRA) at Chemistry Centre, University of Coimbra, Portugal and held a Senior Research Fellowship (SRF) at the Tbilisi State University. He has supervised several PhD and MSc theses at the University of Guilan and co-supervised international doctoral projects. Professor Haghi holds a BSc in urban and environmental engineering from the University of North Carolina (USA) and holds two MSc, one in mechanical engineering from North Carolina State University (USA) and another one in applied mechanics, acoustics, and materials from the Université de Technologie de Compiègne (France). He was awarded a PhD in engineering sciences at Université de Franche-Comté (France). Professor Haghi is a frequent speaker to national and international audiences. He is the Founder and former Editor-in-Chief of the International Journal of Chemoinformatics and Chemical Engineering and Polymers Research Journal. He has acted as an editorial board member of many international journals and is a persistent reviewer of leading international journals.

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