Ben mbarek Kais university of Jendouba   ,   kaisfsegt@yahoo.fr     Biographical Sketch: PHD management in Faculty of Legal, Economic, and Management Sciences, University of Jendouba Courses Taught: Financial Management, Financial Mathematics, Treasury Management, Financial Decision Making, Islamic Finance, Banking Risk Management, Derivatives Markets, Financial Intermediation, and Advanced Financial Diagnosis.       JEL Areas: B4 : Economic Methodology: General G2 : Financial Institutions and Services: General