| 10.30 – 10.45 | 1.1 Credit Risk and the Impact of the COVID-19 Crisin on Dual Banking Systems Case of Morocco Prof. Drissi Salma |
| 10.45 – 11.00 | 1.2 An Exploration of the Role of Zakah as a Robust Mechanism for Economic Growth and Development in Nigeria: A Case Study of Tikau Emirate Council of Yobe State, Nigeria Muhammad Duku |
| 11.00 – 11.15 | 1.3 Chief Executive Officer’s (CEO’s) Characteristics and Bank Performance: A Comparative Study of Islamic and Conventional Banks in Tunisia? Zaidi Noura, Sadraoui Tarek, Calandra Davide |
| 11.15 – 11.30 | 1.4 Driving Sustainable Innovation: Islamic Financial Literacy and Inclusion in the Five Southernmost Provinces of Thailand Asas Worasutr |
| 11.30 – 11.50 | 1.5 Determinants of Takaful Subscription in Kota Kinabalu City Centre, Sabah: A Bayesian Analysis Mohd Rozie Mohd Damit, Imelda Albert Gisip |