Dr. Muhammad Saad has completed his PhD degree with specialization in Finance and Banking from University Utara Malaysia. Until 2014, he has served in banking sector as Operation Manager. Currently, he is Editorial board member of South Asian Journal of Social Sciences and Humanities, iKSP Journal of Business and Economics and reviewer for multiple national and international journals. Dr. Saad has research interest in the areas of Microfinance, Development and Corporate Finance, Conventional and Islamic Banking. He has published book chapter and several research papers on research interest above. He has also worked as a Research Consultant on a project under FRGS scheme by Government of Malaysia.