Muhammad Murad [1] ; Waseem Ul Hameed [2] ; Suresh Chandra Akula [3] ; Pritpal Singh [3] [1] Institute of Business Management and Administrative Sciences (IBMAS), The Islamia University of Bahawalpur (IUB), Pakistan [2] Centre of Excellence for Islamic Finance and Social Equity (CEIFSE), Department of Islamic and Conventional Banking (DICB), Institute of Business Management and Administrative Sciences (IBMAS), The Islamia University of Bahawalpur (IUB), Pakistan.