Patron: 

Prof. Dr. Jawad Iqbal
Dean & Director, Institute of Business Management and Administrative Sciences (IBMAS), The Islamia University of Bahawalpur (IUB), Pakistan
jawad.iqbal@iub.edu.pk

Managing Editor:
Dr. Areeba Khan
Head, 
Department of Islamic and Conventional Banking (DICB), Institute of Business Management and Administrative Sciences (IBMAS), The Islamia University of Bahawalpur (IUB), Pakistan
areeba.khan@iub.edu.pk

Associate Editors:

Dr. Waseem Ul Hameed

Assistant Professor, Department of Islamic and Conventional Banking (DICB), Institute of Business Management and Administrative Sciences (IBMAS), The Islamia University of Bahawalpur (IUB), Pakistan
waseemulhameed@iub.edu.pk

Dr. Owais Shafique
Assistant Professor, Department of Islamic and Conventional Banking (DICB), Institute of Business Management and Administrative Sciences (IBMAS), The Islamia University of Bahawalpur (IUB), Pakistan
owais.shafique@iub.edu.pk

Editorial board of JBSE  consisted of International Editorial Board and National Editorial Board (Pakistan). We are in collaboration with several academicians globally to be the part of JBSE Editorial Board. 

                                                                           International Editorial Board

Dr. Doris Gomez

Regent University, Virginia, VA, USA

Prof. Dr. Bruce E. Winston

Professor, Regent University, Virginia, VA, USA

Prof. Dr. Greg Stone

Professor, Regent University, Virginia, VA, USA

Prof. Dr. Gary Oster

Professor, Regent University, Virginia, VA, USA

Prof. Dr. Kathleen A. Patterson

Professor, Regent University, Virginia, VA, USA

Prof. Dr. Henri Burger

Queenzland University, Australia

Prof. Dr. George R. "Bud" West

Professor, Central Philippine University, Philippine

Prof. Dr. Siow Heng Loke

Professor, Asia e University, Malaysia

Prof. Dato' Dr. Sayed Mushtaq Hussain

Professor, Asia e University, Malaysia

Prof. Dr. Titik Khawa Abdul Rahman

Professor, Asia e University, Malaysia

Prof. Dr. Juhary Ali

Professor, Asia e University, Malaysia

Prof. Dr. Wan Sabri Wan Hussain

Professor, Asia e University, Malaysia

Dr. Murniati Mukhlisin

Tazkia Islamic University College , Indonesia

Assocciate Prof. Dr. Rasidah binti Mohd Rashid

Universiti Utara Malaysia (UUM)

Dr. Jin-Ting Zhang

National University of Singapore, Singapore.

Dr. Jumana Zahalka

National University of Singapore, Singapore.

Dr. Tianyue Ruan

National University of Singapore, Singapore.

Dr. Weina Zhang

National University of Singapore, Singapore.

Dr. Wenlan Qian

National University of Singapore, Singapore.

Dr. Allaudeen Hameed

National University of Singapore, Singapore.

Dr. David M Reeb

National University of Singapore, Singapore.

Dr. Sumit Agarwal

National University of Singapore, Singapore.

Dr. Wee Yong Yeo

National University of Singapore, Singapore.

Dr. Remus Ilies

National University of Singapore, Singapore.

Dr. David De Cremer

National University of Singapore, Singapore.

Dr. Michael Frese

National University of Singapore, Singapore.

Dr. Sandy Lim

National University of Singapore, Singapore.

Dr. Ningxin Wang

National University of Singapore, Singapore.

Dr. Jing Ai

University of Hawaiʻi, USA

Dr. Benjamin Bystrom

University of Hawaiʻi, USA

Dr. Steven Dawson

University of Hawaiʻi, USA

Dr. James Barney Marsh

University of Hawaiʻi, USA

Dr. David McClain

University of Hawaiʻi, USA

Dr. O. Nicholas Ordway

University of Hawaiʻi, USA

Dr. Nimesh Patel

University of Hawaiʻi, USA

Dr. K.K. Seo

University of Hawaiʻi, USA

Dr. Ningxin Wang

University of Hawaiʻi, USA

Dr. Anna A. Dokukina Plekhanov

RussianUniversity of Economics Moscow, Russia

Prof. Dr. Nor Hayati Ahmad

Universiti Utara Malaysia (UUM)

Asso. Prof. Dr. Hung-Che Wu, Ph.D.

Business School Nanfang College of Sun Yat-Sen University, China

Prof. Dr. Roslan Abdul Hakim

Universiti Utara Malaysia (UUM)

Dr. Waeibrorheem Waemustafa

Universiti Utara Malaysia (UUM)

Prof. Siti Nabiha Abdul Khalid

Universiti Sains Malaysia (USM)

Dr. Hisham Mohammad

Universiti Utara Malaysia (UUM)

Dr. Muhammad Haseeb

Taylor's Business School (TBS), Taylors University Lakeside Campus Subang Jaya, Malaysia

Dr. Hanita Kadir Shahar

Universiti Utara Malaysia (UUM)

Dr. Adilah binti Azhari

Universiti Utara Malaysia (UUM)

Dr. Rosilah Jamil

Universiti Teknologi, Malaysia

Prof. Dr. Ibrahim Danjuma

University of Technology, Nigeria

                                                                             National Editorial Board (Pakistan)

Prof. Dr. Omar Masood

University of Lahore, Pakistan

Prof. Dr. Usman Mustafa

PIDE, Islamabad, Pakistan

Prof. Dr. Masood ul Hassan

Bahauddin Zakariya University, Pakistan

Prof. Dr. Imran Sharif Ch.

Bahauddin Zakariya University, Pakistan

Assoc Prof. Dr. Asad Afzal Humayon

COMSATS University, Pakistan

Dr. Qasim Ali Nisar

Superior University Lahore, Pakistan

Dr. Muhammad Nawaz

Minhaj University Lahore

Dr. Muhammad Nadeem Shahid

Lahore Garrison University

Dr. Muhammad Saeed Meo

Superior University Lahore, Pakistan

Dr. Muhammad Saeed Ahmad Sabir

Superior University Lahore, Pakistan

Dr. Abdul Samad Dahri

Mohammad Ali Jinnah University, Karachi 

Dr. Mohsin Altaf

University of Central Punkab, Lahore 

Dr. Muhammad Asif Qureshi

Mohammad Ali Jinnah University, Karachi 

Dr. Muhammad Atif Nawaz

Islamia University of Bahawalpur

Dr. Muhammad Haroon Hafeez

Bahauddin Zakariya University, Multan

Dr. Muhammad Azeem

University of Lahore

Dr. Muhammad Nazim

Khwaja Fareed University of Engineering and Information Technology (KFUEIT), Pakistan

Dr. Sulaman Hafeez Siddiqui

Institute of Business, Management and Administrative Sciences (IBMAS), the Islamia University of Bahawalpur (IUB), Pakistan

Dr. Warda Najeeb Jamal

Institute of Business, Management and Administrative Sciences (IBMAS), the Islamia University of Bahawalpur (IUB), Pakistan

Dr. Rabeeya Raoof

University of Lahore, Pakistan

Dr. Farooq Anwar

University of Lahore, Pakistan

Dr. Faisal Qadeer

University of Lahore, Pakistan

Dr. Aamir Nadeem 

City University Peshawar, Pakistan

Dr. Aniqa Memon

IOBM Karachi, Pakistan

Dr. Arslan Qayyum

IOBM Karachi, Pakistan

Dr. Asif Saeed

Fast university Lahore, Pakistan

Dr. Ayesha Shoukat

Department of Commerce, SBM&AS, IUB, Pakistan

Dr. Irfan Javed

COMSATS University, Pakistan

Dr. Muhammad Asif 

City University Peshawar, Pakistan

Dr. Muhammad Usman

University of Education Faisalabad, Pakistan

Dr. Safia Nosheen

UMT Lahore, Pakistan

Dr. Sharjeel Saleem

GC University Faislabad, Pakistan

Dr. Zahid Hameed

Khwaja Fareed University of Engineering and Information Technology (KFUEIT), Rahimyar khan, Pakistan

Ms. Faiza Anwar

The Government Sadiq College Women University Bahawalpur Pakistan

Ms. Aasmaan Anam Najeeb

Department of Commerce, IUB, Pakistan