1. Curriculum Vitae
Badr El Din A. Ibrahim.
B.Sc. Econ. Hons. University of Khartoum, 1982;
M.A. Econ. University of Manchester, UK, 1987; &
Ph.D. Econ., University of Manchester, UK, 1992.
Current Position: President, (General Manager)
Microfinance Unit,
Central Bank of Sudan
(www.mfu.gov.sd)
Contact details:
00249961756149- 00249119636441 (Mobile)
00249187056787 (Office)
00249183767092 (Fax)
Email:
1

2. badr_el_din@hotmail.com
badreldin.ibrahim@cbos.gov.sd
Synopsis of the Curriculum Vitae
Badr El Din A. Ibrahim.
Summary
Prof. (Dr.) Badr EL Din A. Ibrahim, a Sudanese citizen, got
his B.Sc. (Econ. Hons. University of Khartoum, 1982), M.A.
& Ph.D. Econ. (University of Manchester, UK, 1987 & 1992
respectively). Prof. (Dr.) Badr EL Din A. Ibrahim is currently
a Dean of the Modern College of Business and Science
(MCBS), a private College affiliated with the University of
Missouri St. Louis, USA, and based in Muscat, Sultanate of
Oman. In 2011 and during his deanship MCBS awarded
'Best Educational Institute in Management in Asia" by the
World Education Congress, Asia Award, Round of Global
Awards for Education, leadership and Teaching. Dr.
Ibrahim’s last position before he joined the College was an
Economic Expert, Office of the Undersecretary, Ministry of
Finance, Oman, (2002-2008). Dr. Ibrahim was warded the
2

3. academic rank of Professor of Economics, by the Modern
College of Business and Science (MCBS) in 2007.
He taught undergraduate and graduate economics courses
in many Universities in Sudan and Oman (MCBS). His
previous positions: Teaching Assistant, University of
Khartoum; Assistant Professor, University of Khartoum;
Chairman, Department of Economics of Khartoum
University; member of the Faculty Research Council and the
University Senate (University of Khartoum). He was also
Chairman, Department of Business & Economics, member
of the Academic Board, and Director, Center for Research &
Consultancy (MCBS). Dr. Ibrahim also taught at some other
Universities in Sudan on a part-time basis. He has more than
21 years of academic/administration experience to his credit.
Dr. Ibrahim was seconded by MCBS to work as an
Economic Expert, Office of the Undersecretary, Ministry of
Finance, Sultanate of Oman, during the period Feb. 2002-
Feb. 2008. Dr. Ibrahim worked as a Dean of the Modern College
of Business and Science (MCBS), Sultanate of Oman 2008-2012. Since
March 2012 Dr. Ibrahim is working at the Central Bank of Sudan,
a President (General Manager), Microfinance Unit.
3

4. Dr. Ibrahim is the author of books published in UK (Banking &
Finance to SMEs in Sudan – Lessons from an Islamic Financing
System, Institute of Islamic Banking & Insurance, UK, 2004
(Forwarded by Professor Rodney Wilson, University of
Durham, UK); Economic Co-Operation in the Gulf- Issues in the
Economics of the Arab Gulf Co-Operation Council States,
Routledge, London & New York, 2007; (Forwarded by
Professor Rodney Wilson, University of Durham, UK).
Another book in Arabic published by the Islamic
Development Bank (IDB/IRTI), Jeddah entitled: “Topics in
Microfinance- With Reference to Sudanese Experience” and another
one in English recently submitted for publication at IDB/IRTI
Jeddah entitled: “Microfinance in Two African States- Sudan and
Ethiopia". Dr. Ibrahim also published a number of articles and
book reviews in international referred journals, and acted as
a resource person and assessor of papers in many
international conferences such as the Economic Research
Forum for the Arab Countries, Turkey and Iran (ERF),
International Islamic Banking Forum, International Small
Business Congress & World Assembly of Small and Medium
Enterprises (WASME). In addition to local consultancies Dr.
Ibrahim pursue many consultancy assignments and funded
4

5. research from UNDP, African Development Bank, Ford
Foundation, International Migration Organization, Arab Labor
Organization and Economic Research Forum for the Arab
countries Turkey and Iran.
In addition to his contribution to local and regional economic
magazines, Dr. Ibrahim also contributed regularly to the
economic columns published by newspapers in Oman, UAE
& Sudan. His current academic research interest is in the
field of macroeconomic issues, Sudan & AGCC economies,
small and medium enterprises financing, international
financial organizations, poverty alleviation, and Islamic
banking. Dr. Ibrahim is a member of Editorial Advisory Board
of the International Journal of Islamic and Middle Eastern
Finance and Management (IJIEFM), published by
Westminster Business School, University of Westminster.
UK. Dr. Ibrahim is an active member of many international
scientific and professional groups such as World Association
for Small and Medium Enterprises (WASME), and
International Small Business Congress (ISBC).
He repeatedly acted as a resource person for many local,
regional and international conferences and workshops in
5

6. countries in Europe, Far East, Middle East and Africa among
them are: UK, Turkey, Germany, Former Yugoslavia, Egypt,
Jordan, Kuwait, Lebanon, Sultanate of Oman, United Arab
Emirates, Qatar, Yemen, Indonesia, Malaysia, Thailand,
South Africa, Ethiopia, Uganda, Morocco, Mauritania and
Sudan.. He was a member of special group to launch the
informal sector, small and micro enterprises research in the
MENA region - a research conducted by the Economic
Research Forum for the Arab Countries, Iran & Turkey in
2000 and funded by the World Bank. He also served as a
Secretary General of the Sudanese Society for Development
and Promotion of Crafts and Small-Scale Enterprises, as
well as a Designer and Instructor of many non-governmental
organizations’ (NGOs) training programs to promote small
and medium enterprises in Sudan during the 1990s. Dr.
Ibrahim was also small and medium enterprises (SMEs)
consultant to the General Director of the Sudanese Islamic
Bank (SIB), Khartoum-office German Fredrich Ebert
Foundation during the early 1990s, as well as a distance
consultant to the Sudanese Saving and Social Development
Bank in 2009.
6

7. Dr, Ibrahim was selected together with other 16 Arab
expatriates working at the Sultanate of Oman for their
outstanding & long-term contributions to the Sultanate in
their respective fields of specializations by Alam Al Iktisaad
Wal A'mal Newspaper, (AIWA) , (The World of Economics &
Business ), Nov. Issue, 2011.
7

8. Badr El Din A. Ibrahim,
Microfinance Activities, 1992-2016
(Microfinance is my major specialization)
No./
Period/Yea
r
Organization &
Contract Address
Country Title and Summary of the Activities
1. 2016 (6
months,
2015-
2016)
Arab Gulf Program for
Development
(AGFUND)
Riyadh, Kingdom of Saudi Arabia
Saudi
Arabia
Title: Towards Building an AGFUND-
Relatable Financial Inclusion Strategy in
Sudan
This Study is part of AGFUND's adoption of financial
inclusion strategy
to be implemented in Sudan. The objective of the
Study is to help
AGFUND's subsidiary (Ebdaa' Bank – Sudan) - and
other
microfinance institutions (MFIs) operating in Sudan -
8

9. to achieve greater
financial inclusion for the economically-active poor
families. The importance of the Study is that
Sudan's microfinance case is unique among Arab
countries and world-wide for the reason that it has a
comprehensive full-fledged Islamic microfinance
(MF) regulatory framework.
The Study reports the salient characteristics and the
MF market evidences in Sudan. Moreover, the Study
reviews and assesses current policies,
regulatory framework and MF strategy that govern
the microfinance sector in Sudan. Likewise, financial
inclusion barriers are identified.
9

10. The Study also documents how AGFUND's Ibdaa'
Bank (Sudan) benefits
from the Sudanese microfinance sector's regulatory
framework
2. 2015
(6 months,
during
2015-
2016)
Sponsored by the Islamic
Development Bank, Jeddah
Islamic Research and
Training Institute
P.O. Box 9201 Jeddah 21413
Kingdom of Saudi Arabia,
irtigrant@isdb.org
Saudi
Arabia
A Study entitled: The Potentiality &
Mechanisms of Introducing
Interest-Free Microfinance in Muslim
Minorities African States as one of the
means of Financial Inclusion: Ethiopia as
an Exemplar.
The objective of this study is to investigate how
Islamic microfinance can
be introduced to Africa taking Ethiopia as a case
study. More specifically,
the study investigates the prospective of Islamic
10

11. microfinance branches or
windows in existing MFIs, without the need for a
new Islamic MF policies
and Islamic regulatory framework. This study is
timely as the National Bank of Ethiopia (the Central
Bank) issued directives in 2012 to allow for Islamic
Windows in both banks and Microfinance Institutions
(MFIs). Moreover, there is some practices of Islamic
finance by some MFIs in Ethiopian Muslim minority
regions, as well as the practice of conventional
leasing and hire purchases in most MFIs in Ethiopia
3. 2014
Sponsored by the Islamic
Development Bank, Jeddah
Islamic Research and
Training Institute
Maurita
nia/
Saudi
Arabia
Two comprehensive workshops for Islamic
Development Bank,
IDB, Jeddah in financing Small and Medium
Enterprises (SMEs.(
11

12. P.O. Box 9201 Jeddah 21413
Kingdom of Saudi Arabia,
irtigrant@isdb.org
Attendees are bankers and microfinance
practitioners.
The major topics of the training course are:
Problems facing SMEs financing, SMEs Guarantees,
non-financing constraints, the role of Islamic banks,
Islamic modes of finance, criteria to extend finance
to SMEs, the international experience of SMEs
financing.
4. 2013 UNDP, Khartoum, Sudan
Nahla@undp.org
Sudan A Compressive Report on Microfinance in
Sudan, 2007-2013.
This comprehensive report on the in depth situation
of the microfinance sector in Sudan is meant to
document what have been done so far with regards
to three main pillars: Supply side, Demand side and
12

13. Enabling Environment within the scope of: (1)
Microfinance providers; their outreach, their
capacities, various services and products provided
such as microfinance products as agro- Lending
loans. (2) The present working modalities and
concepts (client protection, micro-insurance), ideas
perceived by Microfinance provider (3) The number
of clients involved in the microfinance sector
(targeted, reached, potential their distribution, their
area focus, and geographical coverage (4) The
existing policies, delivery mechanisms, gaps, and
coordination bodies.
5. 2013 Sponsored by UNDP, Khartoum,
Sudan
Sudan Assessment three SMEs papers about SMEs
in Sudan
13

14. Nahla@undp.org
6. 2012
(March –
up to date)
Central Bank of Sudan (CBOS)
www.bankofsudan.org
www.mfu.gov.sd
Sudan
President, Microfinance Unit, (General
Manager Position), functions:
Setting Microfinance policies, promoting and
registering of MFIs, develop & approve training
programs for MFIs, approve MFIs Business Plans
and
Manuals, monitoring performance of banks and
MFIs, provision of technical assistance & training &
capacity building & wholesale lending to MFIs,
Performing Microfinance studies & researches.
7. Sep.
2009-
Oct. 2010
Sudanese Saving and Social
Development Bank. (SSDB)
Tel: (+249) 183 774358l /
Sudan
Distance Microfinance Advisor (Special
Contract). Help in the
restructuring phase of the bank (which is the first
14

15. 775157. full-fledge
microfinance bank in Sudan), establish a model
branch; other assignments
Include the preparation of the bank's annual report.
8. 2006
(Feb.-
March)
UNICONS
Consultancy Ltd.
Mrs.. Abda Al- Mahdi, General
Manager, Unicons Consultancy
Ltd. abda@unicons.org Unicons,
Tel (+249 590 361/2), Street No.
21, Khartoum, Amarat, website:
www.unicons.org
Sudan
Team Leader: Impact of Macroeconomic Policies
on Microfinance in Sudan. Prepared for UNICONS
Consultancy Ltd. Khartoum, as part of the Project:
“Formulation of a Vision for the Development and
Expansion of the Microfinance Sector in Sudan”,
sponsored by the Central Bank of Sudan.
15

16. 9. 2006
(Feb.–
March)
UNICONS
Consultancy Ltd.
Mrs.. Abda Al- Mahadi,
General Manager, Unicons
Consultancy Ltd.
abda@unicons.org Unicons,
Tel (+249 590 361/2), Street No.
21, Khartoum Amarat, website:
www.unicons.org
Sudan
Team member: Situational Analysis of
Microfinance in Sudan”
Prepared for UNICONS Consultancy Ltd. Khartoum,
as part of the Project
“Formulation of a Vision for the Development and
Expansion of the
Microfinance Sector in Sudan”, sponsored by the
Central Bank of Sudan.
10. 2003
(4 months
Assignmen
t).
Ministry of Commerce &
Industry
Muscat, Sultanate of Oman.
www.mocioman.gov.
Sultana
te of
Oman
Study: ‘Financing Small and Medium
Enterprises – Documentary
and Analytical Study of Financing Programs
in Oman’. This is
first study of its type includes the Ministry's finance
of small enterprises via Oman Development Bank;
16

17. the Sanad Financing Program, and Youth
Fund financing.
11. 2000
(January)
Sponsored by the Economic
Research
Forum for the Arab
Countries
Turkey & Iran (ERF)/ The
World
Bank. www.erf.org; 21 Al-Sad
Al-Aaly St. Dokki, Egypt, P.O.
Box 12311- agala@erf.org.eg
Egypt,
Morocc
o
and
Lebano
n
Member of Special Group to launch the
informal sector, small &
microenterprises in the MENA Region, by the
Economic Research Forum for the Arab Countries,
Iran & Turkey (ERF). The research is funded by the
World Bank.
12. 1997
Sudan Zakat Chamber
www.zakat-Sudan
www: Zakat-Chamber.org.sd.
Sudan
Assignment: Designing a methodology to activate
the productive Families
funding by Zakat. The assignment includes review of
the current situation of Zakat lending to Productive
17

18. families, designing of a new structure as well as
training programs for the Zakat employees in order
to be able to conduct micro lending a better ways.
13. 1998 Sponsored by the Ministry of
Social Development,
Khartoum State
www.krt.gov.sd-
www.krt.gov.st/socar.php
Sudan
Assignment: Investment of Zakat in Subsistence
Projects’. The assignment includes means to deposit
Zakat funds into Saving Bank for financing active
poor, without violating the Zakat rules set by Islamic
Figh
14. 1995
(2 months)
Elnilein Industrial
Development Group Bank
(NIDBG). Tel (+249) 183
7712109/771984/ 773939
Sudan
Team Leader: ‘Risk Guarantee Fund for Small
Enterprises’,
A survey of international experiences and a design
of a guarantee fund to
suit the Sudanese Islamic banking small enterprises'
financing.
18

19. 15. 1993-
1996
Fridrich Ebert Stiftung
(FES),
www.fessudan.org
18
th
st. off Baladia st.
P.O. Box 3668, Khartoum 11111
Phone: +249 (0) 183-780557
+ 249 (0) 183-771879,
office@fessudan.org
Sudan
Secretary General, the Sudanese Society for
Development and Promotion
of Crafts & Small-Scale Enterprises. Activities
include workshops, conferences, assignments, and
advice to craftsmen and small entrepreneurs.
16. 1992-
1997
NGOs based in Sudan Sudan
Designer and Instructor of many non-
governmental organizations
(NGOs) training programs to promote small and
medium enterprises in
Sudan via Islamic Formulae.
19

20. 17. 1993-
1996
The Sudanese Islamic Bank
(SIB),
P.O. Box 62241, People
Assembly Hall, Khartoum, Sudan
Gama'a St. (+249) 183 783798,
(+249) 777610
Sudan
Advisor of Small Enterprises Financing: to the
General Director of the
Sudanese Islamic Bank (SIB). Duties include
establishing a model branch of Productive Families,
documents the Sudanese Islamic Bank's experience
in small enterprises financing, And follow- up of the
specialized Productive Families branches.
18. 1992-
1997
Fridrich Ebert Stiftung
(FES)
www.fessudan.org
18
th
st. off Baladia st.
P.O. Box 3668, Khartoum 11111
Phone: +249 (0) 183-780557/ +
249 (0) 183-771879/
Sudan
Financing Small Enterprises Advisor: Fridrich
Ebert Stiftung (FES),
Khartoum. Duties include training, conferences,
research and assignments..
20

21. office@fessudan.org
21

22. 22
Full Curriculum Vitae
Badr El Din A. Ibrahim.
(B.Sc. ; Econ. Hons. University of Khartoum, 1982;
M.A., Econ. University of Manchester, UK, 1987; &
Ph.D. Econ., University of Manchester, UK, 1992.
Mobile: 00249961756149- 00249119636441
Email: badr_el_din@hotmail.com; baddr_el_din@yahoo.com
Current Position:
President (General Manager)
Microfinance Unit,
Central Bank of Sudan
(www.mfu.gov.sd)
FIRST NAME: Badr-El-Din,
SECOND NAME: Abdel Rahim,
THIRD NAME: Ibrahim,
FAMILY NAME: Abdel Majeed.
DATE OF BIRTH: 3
rd
of November 1956.
MARITAL STATUS: Married; five children
NATIONALITY: Sudanese.
LANGAUGES: Fluent in both Arabic & English
Languages.
_____________________________________________________
____________________________
22

23. 23
ACADEMIC QUALIFICATIONS:
Ph.D. (Econ.), University of Manchester, United Kingdom,
1992.
(Thesis Title: An Investigation into the World Bank
Structural Adjustment in Sub-Saharan Africa- with
Special Emphasis on Sudan)
M.A. (Econ.), University of Manchester, United Kingdom,
1987.
(Partial fulfillment dissertation title: IMF Programs
in Sudan- An Evaluation).
B.Sc. (Pure Economics, Honors Degree, Second Class Division One),
University of Khartoum, Sudan, 1982.
ACADEMIC RANK:
Professor of Economics, (By MCBS in 2007).
23

24. 24
POSITION HELD (1991-2016)
Position held From .. to…. Nature of work
President, (General Manager)
Microfinance Unit,
Central Bank of Sudan
March 2012 up to
date
Setting policies, monitoring
performance
of banks and Microfinance
Institutions (MFIs), provision of
technical assistance & training
&capacity building & wholesale
lending to MFIs, performing
Microfinance studies & researches.
Member of Boards of Directors of
Microfinance Institutions/Councils:
• Family Bank (Sudan),
• Graduate Financing Portfolio (Sudan)
• Sudan Rural Development Co. (Sudan)
Early 2012 up to
date
Setting policies, and evaluating
the outcome of
Microfinance institutions and
portfolio.
24

25. 25
• Al-Ibdaa' Microfinance Bank (Sudan)
• Member of AGFUND's (Arab Gulf
Programme for Development) Advisory
Council Technical Committee
(Kingdom of Saudi Arabia)
• El-Watania Microfinance Institution,
Khartoum, Sudan.
• Advisor of Interest-Free Microfinance
(Kenya, Uganda, Common Market for
Eastern and Southern Africa,
COMMESA)
Lecturing in Economics
1992-2012 Teaching economics at the
university of
Khartoum Department of
25

26. 26
Economics, other universities in
Sudan, 1992-1997
and the Modern College of
Business and Science, 1997-2012
Director of the Consultancy &
Research Center CRC),
Modern College of Business & Science
(MCBS), Sultanate of Oman. MCBS is a
private College affiliated to the University of
Missouri St. Louis, USA)
1998-2002 Research, Seminars ,Workshops
and
Consultancy for Oman,
Middle East an & AGCC states
Dean: Modern College of Business &
Science, (MCBS) Oman
(Affiliated to the University of Missouri St.
Louis, USA;
MCBS awarded : 'Best Educational
Institute in Management"
Feb. 2008 - Academic Administration
& Lecturing. In 2001 and during
my deanship
MCBS awarded the 'Best
educational Institute in
Management" by the World
Education Congress, Asia
26

27. 27
by the World Education Congress,
Asia Award, 2011
Award 2011
round of Global Awards for
education, leadership and
teaching.
These awards are of the highest
stature
and are presented to individuals
and
institutions which have surpassed
several levels of excellence and w
and
who set an example of being a role
model
and exemplary leaders
Distance Advisor (Part-time job)
(special Contract), Sudanese Saving and
September 2009 Distance Advisory Work
27

28. 28
Social Development Bank, Sudan
A member of Editorial Advisory
Board of the International Journal of
Islamic and Middle Eastern Finance
and
Management (IJIEFM), published by
Westminster Business School, University of
Westminster. UK
Feb. 2008 Advisory
Economic Expert, Office of
Undersecretary, Ministry of Finance,
Muscat.
Feb. 2002- Feb.
2008
Advisory
Chairman, Department of Business &
Economics
and Lecturer of Economic Theory &
Banking, (MCBS).
August 1997 – Feb.
2000.
Administration &Lecturing.
28

29. 29
Chairman, Department of Economics,
and Assistant Professor, University of
Khartoum, Sudan.
1992 – 1997 Administration & Lecturing
Teaching Assistant,
Department of Economics, University of
Khartoum.
1993-1991 Lecturing
One of five assessors of proposal and
final papers in Finance and Macro
policy presented to the Economic
Research Forum for the Arab
Countries, Iran and Turkey (ERF),
(12
th
Annual Conference, Cairo; and the 13
th
Annual Conference, Kuwait.
2006 & 2007 Assessment of academic papers
to be presented in international
Conferences.
29

30. 30
Teaching economics at different other
Universities in Sudan & Oman on a Part-
time basis (Nelien University, High Institute
of Banking & Financial Studies, & East Nile
University, and
Sultan Qaboos University, Sultanate of
Oman),.
1992-1997 & 2007
(from Sudan
Universities) &
2007 for Sultan
Qaboos University,
Muscat.
Lecturing
A team member from the Ministry of
Finance to evaluate the report on "financial
implications for implementation of the
proposed strategy for education in Oman,
2002-2006
2007 Advisory
A member of the scientific team
to design curriculums of the College of
Business and Economics of Muscat
2007 Advisory
30

31. 31
University (Under construction).
Head of the Team to design
a full curriculum for BA in Economics
required by MCBS in 2004.
2004 Advisory
Supervision of three M.Sc. theses and
External examiner of four M.Sc. theses and
one Ph.D. thesis. on: Sudanese Islamic
banking, small enterprises, poverty, the
World Bank structural adjustment programs,
investment of Zakat, privatization, and
debts in Arab countries.
1992, 1996 & 2004 Supervision & External
Examination of Academic Theses
Co-coordinator and Editor; Sudan
Journal of Economics and Social Studies.
1992-1996 Editing & co-ordination
more than 30 years experience in
Computer skills including SPSS,
From more than Academic skills
31

32. 32
Microsoft etc. 20 years
Designer and Instructor of many
non-governmental organizations
(NGOs) training programs to promote
Small and Medium
Enterprises (SMEs) in Sudan via Islamic
Formulae.
During the 1990s Designing & handling SMEs
training programs
Secretary General,
the Sudanese Society for Development and
Promotion of Crafts and Small-Scale
Enterprises.
1992-1997 Community services & Research
Part-Time SMEs Advisor,
Fridrich Ebert Stiftung (FES), Khartoum.
1992-1997 Advisory
Advisor of Small Enterprises financing
to the General Director of the Sudanese
1993-1996 Advisory (part of the job is to create
a model small enterprise Islamic
32

33. 33
Islamic Bank (SIB). finance branch)
Resource person, the first workshop on
SMEs development in Oman, Organized by
the Center for Research and Consultancy
(MCBS).
1998 Workshop Activates
Member of Special Group to launch
THE INFORMAL SECTOR, SMALL &
MICRO ENTERPRISES In MENA, by
the Economic Research Forum for the Arab
Countries, Iran & Turkey. The research is
for three funded by the World Bank with a
budget of US$ 1,446,000.
Jan. 2000 Research Activities
A Contributor to local & regional
Newspapers and
Magazines on current economic issues.
Newspapers include:
1999 up to 2012 Community Services
Activities
33

34. 34
• Al-Khaleej Arabic newspaper (UAE)
• OIL and Gas News Magazine (UAE),
• Al-Sahafa Newspaper (Sudan)
• Al-Watan, Oman Daily Oman (Oman)
• Observer, (Oman)
• Oman Daily Newspaper , (Oman)
• Business Today Magazine, (Oman)
• Jund Oman Magazine, (Oman)
• Risalat al-Masgid Magazine (Sultanate
of OMAN).
34

35. 35
ACADEMIC COMMITTES:
Chairman, Department of Economics, University of
Khartoum, 1995-1997.
Member of the Senate, University of Khartoum, 1995-
1997.
Board Member, Faculty of Economics & Social Studies,
University of Khartoum, Sudan, 1995-1997.
Member of the Research Council, Faculty of Economics
& Social Studies, University of Khartoum, 1995-1997.
Member, Academic Board, MCBS, Oman, 1997-
2002.
Director of the Consultancy and Research Center
(CRC), Modern College of Business and Science, Oman
(affiliated to the University of Missouri St. Louis, USA), 1998-
2002
Chairman, Academic Board, MCBS- 2008-2012
Chairman, Recruitment Committee, MCBS, 2008-2012
35

36. 36
Member: of the Board of Director, MCBS, 2009-2012
Publications & Research
International Published Books
Economic Co-operation in the Gulf: Issues in the
Economies of the Arab Gulf Co-operation Council
States, a Book published by Routledge, London and New
York, June, 2007 (Hard cover); (the second edition
published 2013, paperback). (Forwarded by Prof. Rodney
Wilson, Director, Institute for Middle Eastern and Islamic
Studies, University of Durham),
Banking and Finance to Small and Micro-
enterprises in Sudan - Some Lessons from the
Islamic Financing System. (a book forwarded by Prof.
Rodney Wilson, Director, Institute for Middle Eastern and
36

37. 37
Islamic Studies, University of Durham), Publisher: The
Institute of Islamic Banking and Insurance, London, UK, 2004.
Topics in Microfinance- with Reference to the
Sudanese Experience (a comprehensive book composed
of 19 Chapters in Arabic), published by Islamic Development
Bank (IDP/IRTI), Jeddah, 2016.
Microfinance in Two African States- Sudan and
Ethiopia, (Forthcoming in English, 2016 (Anticipated
Publisher: National Bank of Omdurman).
Internationally Published Articles (1988-2016)
"Suggested Business Models To Extend Interest-Free
Microfinance From Conventional MFIs In African Muslim
Minority Countries", Forthcoming, African Bankers
Journal.
"Sharia-Compliant Insurance in Sudan: Micro-Takaful Case
Study ", Forthcoming in: Takaful & Mutuality, publication
of Global Takaful Group, International Co-operative and
Mutual Insurance Federation and International Federation of
Takaful and Islamic Insurance e Companies,
37

38. 38
"Micro-takaful – a Guarantee for Microfinance in Sudan", Takaful
& Mutuality, publication of Global Takaful Group,
International Co-operative and Mutual Insurance Federation
and International Federation of Takaful and Islamic
Insurance e Companies, Issue No. 3, October 2014.
Ibrahim, Badr El Din, A. & Malcolm Harper, 2011, “Crossfire
Debate: Islamic banking avoids interest payments and thus
prevents rich investors profiting from the poor”, Small
Enterprise Development & Microfinance, Volume 22
Number 4 December 2011, Practical Action Publishing
(formerly ITDG Publishing).
Badr-El-Din A. Ibrahim & Mohammed Osman Khalifa "Why
Musharaka Mode of Finance is Worth Considering?1
, Journal
of Islamic Banking and Finance, quarterly
publication of the International Association of
Islamic banks, Karachi, September 2011 Issue.
Islamic Microfinance- Challenges and Prospects”. the Journal of
Islamic Banking and Finance, quarterly Journal
publication of the International Association of
Islamic banks, Karachi, June 2011 Issue.
1
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39. 39
“Nothing Ventured, Nothing Gained” Islamic Banking
& Finance, London, UK, Vol. 5, Issue No. 4, 2008.
‘The ‘Missing Links’ between Islamic development
Objectives & the Current Practice of Islamic Banking – The
Experience of Sudanese Islamic Banks”, Humanomics,
an International Journal of Systems and Ethics,
Canada, January Vol. 22, No. 2, 2006.
‘Poverty Alleviation by Islamic Banking Finance to Micro
enterprises in Sudan – Some Lessons for Poor Countries”,
in M.A. Choudhury ed. (2005), Money & Real
Economy, Wisdom House Academic Publication,
London, New York & Delhi (Chapter 10).
‘The role of Home-Based Enterprises (HBE’s) in Alleviating
Sudanese Urban Poverty and the Effectiveness of Policies &
Programs to Promote HBE’s, Sudan Economy Research
Group, (SERG), Discussion Paper, No. 34,
University of Bremen, Germany, 2003.
‘Poverty Alleviation via Islamic Banking Finance to Micro-
Enterprises (MEs) in Sudan – Some Lessons for Poor Countries,
Sudan Economy Research Group, (SERG),
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40. 40
Discussion Paper, No. 35, University of Bremen,
Germany, 2003.
‘Can Musharaka Financing of SMEs be Applied to the Interest-
Based Banking System?’, Small Enterprise
Development Journal, an International Journal
Issued by Grandfield University, United Kingdom,
Vol. 10, No. 3, September, 1999, (in English).
Financing Challenges of Small Enterprises: The Experience of the
Sudanese Islamic Banks’ Published in Harper, Malcolm (ed.)
Partnership Financing for Small Enterprises: Lessons from Islamic
Credit System, Intermediate Technology (IT)
Publication, London, 1997, in English.
‘An Evaluation of Empirical Studies on Handicrafts and Small-
Scale Industrial Activities in Sudan’, Sudan Economy
Research Group, (SERG), Discussion Paper, No.
17, University of Bremen, Germany, 1988.
“Intra-National Labor Mobility among AGCC States in the
Context of the Financial Crisis & the Gulf Monetary Union”, (2010),
in Regional Study on Labor Mobility Dynamics in the Arab
World, published by International Migration
organization and Arab Labor Organization, 2010.
40

41. 41
‘‘Do AGCC Economies Need A Single Currency? – Some
Costs and Benefits of a Monetary Union for the Member
States of the Arab Co-Operation Council (AGCC)’, the
Economic Research Forum for the Arab
Countries, Turkey and Iran, (ERF), ERF
Proceedings of the 11th
Annual Conference,
Lebanon, 2005. The paper wins the award of the BEST
FINANCE THEME PAPER of the Conference.
‘Some Aspects of Islamic Banking in the Least Developed Arab
Countries: Reflections on Faisal Islamic Bank, Sudan’, a Paper
published in Raffer, Kunibert and Saleh
Mohammed (eds.) (1992), The Least Developed and the Oil-
Rich Arab Countries: Dependence, Interdependence or Patronage, St.
Martin Press, London, United Kingdom.
‘Some Reflections on the IMF/World Bank Conditionality in Sub-
Saharan Africa’, in Farber, Helmuth et al (eds.), African
Development Perspectives: A Human Dimensions
of Adjustment, Scherizky & Jeep Publishing Co.
Germany, 1990.
‘Problems in Evaluating the Impact of Structural Adjustment in
Sudan: The Case of Agriculture’, Sudan Economy
41

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Research Group (SERG), Discussion Paper, No.
15, University of Bremen, Germany, 1988.
_____________________________________________________
____________________________
Articles – Forthcoming.
"The Microfinance Regulatory Frameworks in the Arab
World", World Microfinance Summit, Abu-Dhabi, March
2016.
"Islamic Development Objectives & the Current Practice of
Sudanese Islamic Microfinance", Sent for publication in
Enterprise Development & Microfinance, Practical Action
Publishing, 2015
"The sub-sector approach in selecting and testing the microfinance
sub-sectors that can contribute to the incorporation of the sector
within the macroeconomic indicators", (in Arabic, Unpublished)
"Lessons learned from different SMEs and microfinance support
institutions", (in Arabic, Unpublished)
Local & regional published articles & presentations
(1990-2015)
42

43. 43
"Microfinance and its role as an impetus for financial
inclusion in Sudan", second International Forum on Islamic
Finance (IFIF 2016), 9-10 Feb. 2016, Khartoum, Sudan,
Organized by the Bank of Khartoum.
"Towards Building an AGFUND-Relatable Financial Inclusion
Strategy in Sudan", AGFUND Advisor meeting, 8-9 Feb.
2016, Riyadh, Kingdom of Saudi Arabia.
"The Microfinance Sector in Sudan", Presentation to
Grameen Bank, Head Office, Mirpur-2, DAKA – 1216,
11
th
of August, 2015
"Characterizes of international funders of microfinance and overview
of the funder of Sudanese microfinance sector", Al-Masrafi,
Central Bank of Sudan, Issue No. 77, Sep. 2015. (in Arabic)
"Collateral Free Loans for the Poor from "Micro-Credit" &
"Financial Inclusion" to "Social Investment" - A Survey of
Mohammed Yunus' Views in Accordance with the
Experience of "Grameen" & its Affiliated Companies &
likening with the Sudanese Islamic Microfinance
Experience", delivered at the bankers' Union, December
2015.
43

44. 44
"Factors in the sustainability of gradates' microfinance
projects", Delivered in the workshop: Assessment of the
outcome of the Second Graduate Microfinance Portfolio,
Khartoum, Nov. 2015.
"Sharia-Compliant Insurance in Sudan: Micro-Takaful Case
Study ", The Conference on: Advancing Inclusive Insurance
in Africa: Innovation in Industry, Policy & Development.
(Forthcoming). A Chatham House Africa Programme
Conference, Wednesday 30 September 2015, Nairobi,
Keynia.
"The Social Development Objectives in Islam & the Current
Pertinent Practice of Islamic Microfinance Providers in
Sudan". Presented to the 4th
International Conference
on Inclusive Financial Sector Development, 17-18
Nov. 2015, Islamabad, Pakistan. Organized by: International
Institute of Islamic Economics (IIIE), International Islamic
University, Pakistan & Islamic Research & Training Institute
(IRTI), Islamic Development Bank, Jeddah
44

45. 45
"How the Islamic microfinance can be useful for interest-
based microfinance providers? A Joint Presentation with
MR. Mohammed Siddaq El-Hassan, CBOS, Sudan
Academy for Banking and Financial Studies, 2010,
Banking Forum, August 2015, (in Arabic).
"Potentiality & Mechanism of introducing interest-free
microfinance in Africa as one means of financial inclusion
among Muslim minorities", 5th
Annual Africa Banking &
Finance Conference, 19-20 May 2015, Nairobi, Kenya (in
English)
Member of the group of the Panel Discussion on: "Where
Microfinance Goes Next?", 11th
Annual Global
Microfinance Forum, Achieving Dual Objectives and
Supporting Inclusive and Sustainable Development,
UNIGLOBAL, 19-20 March, 2015, Istanbul, Turkey. (In
English)
"The Role of Regulations in financial inclusion- The
Sudanese Experience", Symposium of Financial Inclusion
and Human Development, Empower the economically and
socially Marginalized Groups, Arab Gulf Programme for
45

46. 46
Development – AGFUND, 12 January, 2015, Rabat,
Morocco (in Arabic and English)
"Microfinance between the Call to Abolish Guarantees and
the use of Easy Guarantees", Al-Masrafi, Central Bank of
Sudan, Issue No. 75, March, 2015. (in Arabic)
"Microfinance Sectors in two African countries – Sudan &
Ethiopia", .AEMFI 8th
biennial Conference 22-24
October, 2014, Hawasa, Ethiopia (in English).
"The role Islamic finance in supporting Small and Medium
Enterprises", Arab Union Conference on Small and
Medium Enterprises- The Road to Economic and
Social Development, Beirut, Lebanon, 21-23 August,
2014. (in Arabic)
"The Current Practices of the Sudanese Islamic Microfinance
in the Context of the Objectives of Economic Development of
Islam", Al-Masrafi, Central Bank of Sudan, Issue No. 71,
March, 2014. (in Arabic)
"Proposed interest-free microfinance business models to be
tapped by conventional microfinance institutions in Muslim
46

47. 47
Minority African states", Al-Masrafi, Central Bank of
Sudan, Issue No. 76, Ju`ne, 2015 (in Arabic)
"The Prospects of Microfinance Institutions" Al-Masrafi,
Central Bank of Sudan, Issue No. 74, December 2014. (in
Arabic)
"Microfinance Mediators in Sudan", " Al-Masrafi, Central
Bank of Sudan, Issue No. 73, September, 2014. (in Arabic)
"The Overall Outcome of Fiscal and Monetary Policies
-2008-2011- Revisited", Al-Masrafi, Central Bank of
Sudan, Issue No. 66, December, 2012. (in Arabic)
"The Sudanese Full-Fledged Islamic Microfinance (MF)
Experience & the Global Microfinance Best Practices".
Islamic Development Bank, Jeddah, Seminar on: Islamic
Microfinance & Takaful – Building a Robust
Regulatory Framework, 29
th
IDB Board of Governors
Meeting, Jeddah, 2014. (in Arabic)
"The nature, practice & developmental characteristics of the Sudanese
Islamic microfinance", delivered in the conference: Inclusive
47

48. 48
Finance for Inclusive Growth and Transformation in Africa,
14-18 October 2013, African Microfinance Institutions
Association (AFMIN) Annual Conference and
General Assembly, Addis Ababa, African Union
Conference Center, Ethiopia (in English)
"Sudan: A Factual Laboratory for Islamic Microfinance", Round
Table Discussion on Financial Inclusiveness of the Poor: "Beyond
Microfinance", Round table: IRTI/ Islamic
Development Bank, Jeddah, & The Islamic
University of Malang, Indonesia, 21-22 Oct. 2013. (in
English)
"Key Elements of an Institutionalized Structure for MF & MF as a
Component of the Financial Sector- The Sudanese Eexperience",
UNDP/CBOS Workshop on Islamic Microfinance
Principles and Best Practices 11- 13 March,
Khartoum, Sudan. (in Arabic)
"The Social and Developmental Nature of Microfinance in Sudan,
Presented to the Regional Workshop Urban Poverty
and its Measurement, Arab Institute of Town
Development in collaboration with ESCAWA, Khartoum, 7
July 2013. (in Arabic)
48

49. 49
"Microfinance in Sudan- What is Missing? ", Businesses
Forum, British Council Khartoum August 2013,
Corinthia Hotel, Khartoum, in English.
"Microfinance in Sudan- Performance & Challenges,", presented
to the Arab Monetary Fund and IFC, a member of
the World Bank Group, joint Conference on “Building
a High Performance Small Medium Enterprise Business in
the Arab World”, on the 7th – 8th of May, Dubai, UAE. (in
Arabic)
"Analysis of the current & potential microfinance market in Sudan",
Pubic Lecture on the Occasion of Jubilee ceremony,
Labor National Bank, Khartoum, 8 October 2013. (in
Arabic)
"Characteristics of microfinance wholesale lending in Sudan",
Central Bank of Sudan, Internal Discussion Paper,
Oct. 2012. (in Arabic)
Sudan microfinance Experience - 8th COMESA Business
Forum, 20-24 Nov, 2012, Kampala, Uganda, in English.
49

50. 50
"Internal view about the Central Bank of Sudan (CBOS) efforts to
promote the microfinance sector: 2007-2012", Internal Discussion
paper, CBOS, 2013. (in Arabic)
"The actual situation of microfinance mediators in Sudan & the way to
activate their roles" Sudan Academy for Banking and
Financial Studies, Banking Forum, Feb. 2013. (in
Arabic)
"A Vision on the Inclusion of Financial Education and
Microfinance Issues as part of the Curriculums of Higher
Education Institutions in Sudan", Sudan Academy for
Banking and Financial Studies Workshop, 18
th
of Nov.
2012. (in Arabic)
Islamic Microfinance – A Superior Model Often on a Wrong Track,
Al-Marsrafi, Central Bank of Sudan, Issue. Feb. 2013. (in
Arabic)
"MF Clients’ Protection in the Sudanese Banks and MFIs-
Towards Suitable Mechanisms," Sudan Academy for
Banking and Financial Studies, Banking Forum,
22/10/2012. (in Arabic)
50

51. 51
Sudan Microfinance Sector: Support, Outcome & Challenges,
presented to the International Association of Deposit
Insurers, African Regional Committee Annual
Conference, under the theme: Challenges of
Financial Inclusion in Africa’, MENA Regional
Committee Meeting, Khartoum, 25-27 Sep. 2012. (in
Arabic)
"The Features of the Sudanese Experience in Financing SMEs and
Microenterprises, SMEs Forum", the Strategic Arabic Option,
, 2-3 May Cairo, Egypt. (in Arabic)
Sudan-Microfinance Sector- SANABEL, (The
Microfinance Network of Arab Countries), 9th
Conference, 31 Oct.-2
n
of Nov., 2012, Khartoum/Sudan. In
English.
Failures & Challenges of the Sudanese Banking Experience on
Microfinance (MF), presented to the 2nd International
Conference on Inclusive Islamic Financial Sector
Development: Enhancing Financial Services for Regional
Micro-Enterprises”, 9-11 Oct. 2011, Islamic Development
Bank & Sudan Academy for Banking & Financial
Studies. Alternative Guarantees for Microfinance, Sudan
51

52. 52
Academy for Banking and Financial Studies, 2011, Banking
Forum, No., July 7. (in Arabic)
Some Suggestions to Measure the Social Impact of Microfinance in
Islamic Banks of Sudan, Sudan Academy for Banking and
Financial Studies, 2010, Banking Forum, June 14. (in
Arabic)
Suggestion to Measure and Classify Sudanese Islamic Banks in
Microfinance, 2010, Sudan Academy for Banking and
Financial Studies, 2010, Banking Forum, No. 81, July
(in Arabic)
Microfinance: Proved Facts and Misconceptions, Sudan
Academy for Banking and Financial Studies, 2010,
Banking Forum, No. 79, January. (in Arabic)
The Islamic Microfinance: Challenges and Prospects, 2010, Public
Lecture, Development Studies and Research Center
(DSRC), University of Khartoum, January. (in Arabic)
"Venture Capital for SMEs in the Arab Gulf Cooperation Council
(AGCC) States" presented to the 34th
International
52

53. 53
Small Business Congress, Thailand, 11-14 November,
2007. In English
"Venture Capital as a means to finance SMEs" public
presentation, College of Financial and Banking
Studies, Khartoum, 26 July 2007. (in Arabic)
Intra-National Labour Mobility among the Arab Gulf Cooperation
Council States in the Context of the Financial Crisis and the Gulf
Monetary Union , presented at the meeting to launch the
Report on Intra-regional Labour Mobility in the Arab Region, in
Cairo, on the 8
th
of February, 2010 at the League of Arab
States , the International Organization for Migration
(IOM) and the Arab Labour Organization (ALO). (in
Arabic)
“The Economies of the National Budget - A Case of Oman’s
National Budget Proposal”, presented on the 28
th
of December,
2009, at the Conference Room of the Oman Chamber of
Commerce and Industry. This event was organized by the
Oman Journalist Association. (in Arabic)
53

54. 54
“Higher Education (HE) & Oman Economic Vision, 2020” Presented
to the annual AIESEC (Association of International
Students of Economic and Commerce) Conference,
2009, Caledonian College of Engineering, Muscat,
Sultanate of Oman, 6 July 2009. (in Arabic)
“Is Oman’s Decision to Withdraw from the Gulf Single Currency
justifiable?”, Guest Speaker presentation at the international
Conference on Applied Business & Economics’ 2009,
(Sohar University, Sultanate of Oman, 30-31 March
2009). (in English)
“Representing educators in Oman in the AIESEC's Association of
International Students of Economic and Commerce) Symposium
on High Education in Oman, 22nd of November , 2008.
(in Arabic)
Presentation on “The position of Oman in the annual World
Competitiveness Report, 2007-2008, International Research
Foundation, Oman, 2007. (in Arabic)
Intra AGCC-National Labor Mobility, presented to the
Regional Symposium on Foreign Workers in GCC,
Doha, April 17
th
-19
th
2007. (in Arabic)
54

55. 55
"AGC Economies – Successes and Challenges", Presented to the
State Council (Oman) , April 2007. (in Arabic)
"Costs and Benefits of the AGCC Single Currency", (presented
to the Ministry of Finance Top Officials, Oman, 12
May 2007. (in Arabic)
"Challenges of Economic Development in AGCC States"
presented to State Shura'h Council Members (Oman),
29 May 2007. (in Arabic)
“Intra-National Labor Mobility between Arab Gulf Cooperation
Council (AGCC) States- Towards Activating AGCC Economic
Integration Process & Optimizing Human Resources Exploitation.
Economic Research Forum for the Arab
Countries, Turkey and Iran, 12th
Annual
Conference, Cairo, Dec. 2005, Background paper. In
English
‘Some Aspects of AGCC economies’, Presented in the
Diplomatic Institute, Ministry of Foreign Affairs,
Oman, 27 April 2004. (in Arabic)
55

56. 56
‘How Economists Look at Environmental Problems’, presented to
the Workshop of Environment and the Media,
Environmental and protected Areas Authority,
Government of Sharjah, 2003. (in Arabic)
‘In the Face of Current International Development – Will Intra-
Arab & Islamic Tourism Flourish? , Risalat Al-Masjid
Magazine, No. 102, Oman, 2002. (in Arabic)
‘The Crisis of Scientific Development of Islamic Banking’, Public
Lecture, High Institute of Banking and Financial
Studies, Sudan, Summer 2002. (in Arabic)
‘Innovative International Approaches to Finance SMEs’, Public
Lecture, Oman Chamber of Commerce and Industry,
Sohar, March 2001. (in Arabic)
‘The Briton Woods Institutions and Poverty and Debt Crisis in
Developing Countries’, Jund Oman Magazine, No. 297, 31
Jan. 2001. (in Arabic)
‘Is There a Relationship Between Free Trade and Poverty
Eradication?’, Jund Oman Magazine, June 2001. (in
Arabic)
56

57. 57
‘Performance Indicators of Industrial Sub-Sectors in Qatar &
Oman”, Al-Markazi Magazine, Nov./Dec. 2001, Year 26,
Central Bank of Oman. (in Arabic)
‘Budget Deficit Between Traditional Balancing Views & the Need
to Increase Spending’ , Al-Gohrfa Magazine, Oman
Chamber of Commerce and Industry, No. 126, Dec. 2001.
(in Arabic)
‘The Economic Mitigation of Environmental Issues’, Public
Lecture, Muscat Municipality, March 2002.
"Savings and Sustainable Development’, Public Lecture, Oman
Chamber of Commerce and Industry, Buraimi, May
2000. (in Arabic)
‘Privatization Strategy and Privatization in Oman’, Al- Gohrfa
Magazine , Issue No. 115, Jan.-Feb. 1999, in English,
Oman Chamber of Commerce and Industry, Oman (in
English).
57

58. 58
‘Investment of Zakat in Subsistence Projects’, Risalat Al-
Masjid Magazine, No. 100, Oman, 2001. (in Arabic)
‘Facts and Characteristics of Government Budget in Oman,", Al-
Gohrfa Mgazine, Oman Chamber of Commerce and
Industry, No. 121, Jan./Feb. 2000, pp. 22-24.
‘Identifying Small Business Investment Opportunities’, published in
Al- Gohrfa Magazine, Issue No. 118, August/September
1999, pp. 22 –26 (Arabic Section), & pp. 4-6 (English
Section), Oman Chamber of Commerce and Industry. (in
Arabic)
‘A View on How to Exploit the Zakat Fund in the Saving and Social
Development Bank to Finance Small Enterprises’, al-Masrafi,
No. 11, June 1997, Bank of Sudan, (in Arabic).
‘Musharaka as a Mode of Financing Small Enterprises: The
Experience of the Sudanese Islamic Bank (SIB)’, Industry
and Development Magazine, Nelien Industrial
Development Bank Group (NIDBG), November 1996 (in
Arabic).
58

59. 59
‘Traditional Saving/Lending Practices and the Experience of some
Non-Governmental Organizations in Sudan’, al-Mugtasid
Magazine, No. 17, September 1996, Tadamon Islamic
Bank, Khartoum, Sudan, (in Arabic).
‘Banking Finance to Small Producers and the Crisis of Poverty:
Revisited’, High Institute of Banking Studies
Seminar Series, No. 16, September 1996, Khartoum,
Sudan, in Arabic.
‘Suggested Methods to Determine the Share of Management is the
Islamic Bank’s Musharaka Mode of Finance’, Industry and
Development Magazine, No. 3, 1995, Nelien Industrial
Development Bank Group (NIDBG). (in Arabic)
‘Towards a Banking Strategy for Financing Small Enterprises and
Productive Families in Sudan’. A Paper Presented as a Public
Lecture, the High Institute of Banking Studies, Khartoum
May 1995 and Published in Al-Masrafi,, No. 4, 1995, Bank
of Sudan (in Arabic).
‘Innovative Approaches to Small and Medium Enterprise Finance:
The Experience of the Sudanese Islamic Bank (SIB)’, Presented to
the World Assembly of Small and Medium Enterprises
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60. 60
(WASME), 8th
International Conference on Small
and Medium Enterprises (SMEs), Cairo, Egypt 1995
(in English).
‘Financing Policies for Small-Scale Women’s Enterprises in the
Sudan’, a paper presented to the Workshop on ‘Women Small
Enterprises: Management, Finance and Marketing, Sudan
Academy of Management Science, 1995 (in Arabic).
‘Inflation Response to Exchange Rate Liberalization in the Sudan,
1992 – 1995: Which Way for Remedial Measures?’ (In English),
presented to the Conference on Liberalization
Policies in the Sudan, Department of Economics,
Faculty of Economics and Social Studies, University
of Khartoum, in Collaboration with Fridrich Ebert
Stiftung (FES), Khartoum, 25 – 27, November 1995. (in
Arabic)
‘Agro-Industries in Western Darfur States: Leather and Oil-Mills
industries’, presented to the Workshop on ‘the
Potential of Agricultural Investment in Western
Darfur States’, Sudan, 6 – 8 December 1995 (in Arabic).
‘Financing Small and Medium Enterprises: The Sudanese Experience’,
presented to the Workshop on Financing Small
and Medium Enterprises in the Arab World,
60

61. 61
Union of Arab Banks and Nelien Industrial
Development Bank Group (NIDBG), 19 –21 December,
1995.
‘Micro-Credit and Small Producers, with Emphasis on Area
Development Scheme (ADS, Sudan), United Nations Development
Program, (in English), presented the Workshop on the
Effects of Micro Credit on Small Producers,
Fridrich Ebert Stiftung, Khartoum, Sudan, 1995.
‘The Role of Sudanese Islamic Bank (SIB) in Sustaining Rural
Development’, (a joint paper with Mr. Mohammed Osman
Khalifa, The Former Director General of the Sudanese
Islamic Bank), presented to the seminar on ‘The Role of Finance
in Creating Sustainable Rural Development’, Arab Organization
of Agricultural Development and the Union of Arab
Banks, January 1994. (in Arabic)
‘Oil exports in Sudan: The Current Situation and the Future
Prospects’, Oil and Industry News Magazine, Oct.
1999, No. 349, Vol. 39, pp. 18-19, Ministry of Oil and Mineral
Resources, United Arab Emirates. (in Arabic)
61

62. 62
‘Why are Inflation Rates are Low in Oman’s Economy?’, Money
Market Magazine, Muscat Securities Market, Oman,
1999, pp. 18-19. (in Arabic)
‘Some Aspects of Investment in Leather Small Industries in Darfur
State’, al-Mugtasid Magazine, No. 15, Tadamon Islamic
Bank, Khartoum, Sudan, August 1994, (in Arabic).
‘Crafts and Small-Scale Industries and Structural Adjustment in
Sudan’ (in Arabic), al-Mugtasid Magazine, No. 13,
Tadamon Islamic Bank, Khartoum, August 1994.
‘A Branch Approach to Small and Medium Enterprises
Development and Research in LDCs, with Special Emphasis on
Darfur State, (in English) ‘World Assembly of Small
and Medium Enterprises (WASME), 7th
International Conference on Small and Medium
Enterprises (SMEs), Addis Ababa, Ethiopia, March 1994.
‘Structural Adjustment in the Sudan: Has the World Bank got it
Right? Sudan Journal of Economics and Social
Studies, No. 1, University of Khartoum, Sudan, Oct. 1994,
(in English)
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63. 63
‘Is the Increase in Money Supply a Cause of Inflation in Sudan?,
al-Masrafi Magazine, No. 1, Bank of Sudan, Khartoum,
April 1994, (In Arabic).
‘Islamic Banks in Sudan: Interest- Free Banking or Integrated
Financial Establishments’, (a joint Paper with Mr. Mohammed
Osman Khalifa, a former Director General of the Sudanese
Islamic Bank, Khartoum), Presented to the Conference
on Islamization of Knowledge, February 1993,
Khartoum, Sudan. (in Arabic)
‘On Reliability and Availability of Economic Statistics in Sudan’ (in
Arabic), presented to the National Conference on
Production and Management of Statistical Data:
The Experience of Sudan since Independence, University of Gezira,
Sudan, January 1993.
‘Crafts, Small-Scale Industries, and Economic Adjustment: Lessons
from Darfur (in Arabic), the First Scientific Conference,
Center for National Research, Khartoum, January 1993.
(in Arabic)
63

64. 64
‘The Role of Policies and Programs in assisting Crafts and Small-
Scale Industries in Sudan’, a paper presented to the
Conference on ‘The Least Developed and the Oil-
Rich Arab Countries: Dependence,
Interdependence or Patronage?
Some major Consultancy Assignments & Funded
Research (1994-2015)
"The Potentiality & Mechanisms of Introducing Interest-Free
Microfinance in Muslim Minorities African States as one of
the means of Financial Inclusion: Ethiopia as an Exemplar",
Islamic Development Bank, Jeddah Islamic Research and
Training Institute, Jeddah, 2016.
"Towards Building an AGFUND-Driven Financial Inclusion
Strategy in Sudan" AGFUND, Riyadh, Kingdom of
Saudi Arabia
“Compressive Report on Microfinance in Sudan”, 2007-
2013, UNDP Assignment, Oct. 13.
"Towards Effective Mechanism to Protect Microfinance clients in
the Banking System of Sudan", A Research sponsored by
Mammon Bahairi Center for Economic and Social
Studies in Africa, Oct-2011-March 2012.
64

65. 65
“Impact of Macroeconomic Policies on Microfinance in Sudan”
(jointly with Dr. Faris Arbab B.), Unicons Consultancy, 2006.
Prepared for UNICONS Consultancy Ltd.
Khartoum, as part of the Project “Formulation of a
Vision for the Development and Expansion of the
Microfinance Sector in Sudan” Sponsored by the Central
Bank of Sudan, Feb. 2006.
“Situational Analysis of Microfinance in Sudan” (with Dr. Faris
Arbab B, Mustafa Gamal El-Din Abu Kasawi and Dr. Abu
Baker Ibrahim Hassan), Prepared for UNICONS
Consultancy Ltd. Khartoum, as part of the Project
“Formulation of a Vision for the Development
and Expansion of the Microfinance Sector in
Sudan” Sponsored by the Central Bank of Sudan, Feb.
2006.
‘Financing Small and Medium Enterprises – Documentary and
Analytical Study of Financing Programs in Oman’, a study
prepared for (and funded by) the Ministry of
Commerce and Industry, Oman, 2003.
‘Risk Guarantee Fund for Small Enterprises’, a
consultancy assignment submitted to Nelien
65

66. 66
Industrial Development Bank Group (NIDBG),
Sudan , March 1995.
‘Some Aspects of liquidity in Islamic banks: Case Study of Selected
banks in the MENA Region (a two years research funded by the
Economic Research Forum, ERF (Value: US$ 16,000), ERF
Research Project Number: ERF01-OM-5002
(Submitted April 2005) (Principal Investigator, Badr El Din A.
Ibrahim, Investigator V. J. Kumar)
(http://www.erf.org.eg/middle.php?file=RR), in English.
“Intra-National Labor Mobility between AGCC States in the
Context of the Financial Crisis & the Gulf Monetary Union
(2009), a consultancy assignment to be delivered soon
to the International Labor Organization as part of a
study on Regional Study on Labor Mobility
Dynamics in the Arab World, Arab Labor
Organization and International Organization of
Migration (IOM), in Arabic and English
‘Gender Non-Neutrality and Producer Price Incentives: The Case of
Darfur State’, Western Sudan, 1996, Private Research
Sponsored by Ford Foundation (Value: US$ 6000), in
English).
66

67. 67
‘External Resources Situation and Debt of Sudan, 1995 – 1998, 1990 –
1994 and Forecast up to the Year 2000’, Consultancy Report,
United Nations Development Program (UNDP),
United Nations 1995 (in English).
‘Institutional Re-strengthening Project of the Ministry of Finance
and National Planning, Phase II (Organizational Restructuring
and Human Resource Master Plan (Sep.- Oct. 1994),
(Government of Sudan & African Development
Bank (GoS/AfDB). (in Arabic)
Books Review
Book Review: Hansohm, Dirk ‘Small Industry Development in
Africa: Lessons from Sudan’, (in English), Munster
Publishing Co. Hamburg 1992 (Book Review in Small
Enterprise Development, (SED), International Journal,
Issue No. 3, Vol. 5, 1994, Grandfield University, UK.
In English
67

68. 68
Book Review: Al-Harran, Saad, ‘Islamic Finance: Partnership
Finance, Pelanduck Publications, Malaysia, Book Review in
SUDANOW, June 1994 (in English).
Book Review: Lalitha Iyer ‘Women Entrepreneurs: Challenges
and Strategies’, (in English), Fridrich Ebert Stiftung (FES),
New Delhi 1991 (Book Review in SUDANOW Magazine,
1995). In English
Book Review: Awad, Mohammed Hashim, ‘The Sudan and the
IMF’, Book series No. 6, Khartoum University Press (KUP) –
Book Review, SUDANOW, June 1993 (in English).
Unpublished Articles
‘Performance Indicators of Qatar’s Industrial Sub-Sector:
Industrial Statistical Data in Perspective’, (in English), CRC
publication (in Arabic and English, unpublished).
‘Performance Indicators of Oman’s Industrial Sub-Sector: Industrial
Statistical Data in Perspective’, (in English), CRC Research
Paper No. 1, Center for Research and Consultancy
(CRC), Modern College of Business and Science (MCBS)
Research Series, 1998, Oman.
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‘Traditional Saving and Lending Practices in Sudan’, 1995, (in
Arabic, unpublished).
‘Merchants, Markets and Manufacturing: A Commodity Chain Approach to
Small-Scale Industries in Darfur, Western Sudan’, (A joint Paper with
Professor Diane Elson, Former Dean, Faculty of Economics and Social
Studies, University of Manchester U.K. (in English, unpublished).
‘Omanization and the State of Labor Market: Strategies, Macro Evidence
and Future Outlook’, CRC publication (in Arabic and English,
unpublished).
‘Optimum Stock of Money Supply and the Neutral Budget: The Case of
Omani Economy’, CRC Research Paper No. 2, 1998, Center for Research
and Consultancy, (CRC), Modern College of Business and Science, Oman,
(in English).
Structural Adjustment with a ‘Human Face’ versus Liberalization:
Towards a New Role of the State in the Adjustment Process (in
English, unpublished).
‘The World Bank Approach to Mitigating the Social Impact of
Adjustment: ‘A Human Face’ or ‘Face-saving?’, (in English,
unpublished).
Newspaper Columns:
There are about more than 3000 weekly newspaper columns
(in Al-Khaleej Arabic newspaper, Al-Watan, Oman
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Daily Newspaper, Times of Oman, etc.) to be provided
on request. This in addition to many articles in Arabic and
English in local and regional economic magazines such as
Business today, Oman Economic Review etc. (Some of
these articles on Islamic finance in general and Islamic
microenterprise finance and microfinance in particular).
REFEREES:
Prof. Joel Norman Glassman,
Deputy Vice Chancellor, University of Missouri St. Louis,
USA,
8401 Knollwood Drive, St.Louis, MO 63121, Email:
jglassman@umsl.edu
Prof. Malcolm Harper
The Old Farm House, Filgrave, Bucks MK16 9ET, UK,
Phone :( 44) (0)1234711764,
Email:malcolm.harper@btinternet.com
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