Bilal Ahmad PandowBilal Ahmad Pandow is currently serving as an Assistant Professor of Finance at the School of Business, Bahrain Polytechnic, Manama, Bahrain. Holding a Ph.D. in Financial Studies from the School of Business Studies, University of Kashmir, India, he peviously worked as a consultant at the University of Kashmir. In his earlier career, he was employed at the Middle East College, Muscat, Oman, affiliated with the University of Coventry, UK, where he imparted knowledge in Finance, Economics, and related subjects. With over 18 years of research and work experience, he has made significant contributions in the fields of education, finance, banking, media, and the developmental sector. Certified as a Micro-finance Trainer by the Asian Development Bank Institute and the World Bank Tokyo Development Learning Center, his expertise extends to various domains. His extensive body of work, spanning national and international journals, reflects his commitment to scholarly pursuits. Additionally, he actively engages in writing columns and reports for newspapers, magazines, web portals, and think tanks, both in India and internationally. Read More Read Less