Dr. Fayaz Ahmad Lone is Assistant Professor at the College of Business Administration in Salman Bin Abdulaziz University, Al-Kharj, Saudi Arabia. Dr. Fayaz Ahmad obtained a PhD in Islamic Finance from Aligarh Muslim University, India, and a Master's Degree from the University of Kashmir, India. He has published more than a dozen research papers on Islamic finance in International and National Journals and has presented a large number of papers at international conferences.