Munawar Hameed

GSM: 0096893376552

[email protected]
Professional Summary: 30 Years Professional experience in teaching, training, mentoring, counseling, advising, delivering, online assessment, registration, students affairs, planning & development executive education, faculty recruitment, administration, practical assignments, research (IFRS, IAS & Islamic Banking ) and quality assurance at different academic levels according to assessments & standards of top professional business schools, colleges and universities (Affiliated with University of Cambridge International Examinations, London School of Economics, Association of Chartered Certified Accountants- UK, University of Bradford, UK, Asia Pacific Institute of Information Technology- Malaysia, Higher Education Commission- Pakistan, & Ministry of Manpower, Oman). 01.Academic Education: 1999-2000 1997-1998 1984-1985 Hamdard Inst. of Social Sc. Hamdard University. University of Karachi Masters in Commerce. Government Premier College Bachelors in Commerce. PhD (ABD)71% First Division. 2nd Division.

02. Professional and Academic Qualifications- Details :

Sr. # 01

University /Institute Attended Hamdard University.

Course Passed & Completed All 9 Subjects Completed. All 20 Subjects Completed. All 12 Subjects Completed. Quantitative Tools, International Business. Financial Modeling, Mergers, Research, Fund Management. Shria Compliance. 9 out of 10 Papers Completed.

Grade 71%

Year 2000.

Program PhD.

02 03 04

University of Karachi. University of Karachi. SZABIST.

First. Second. B,B.

1998. 1985. 2002.

M.Com. B.Com. MS in Management Sciences. MS in Finance. Islamic Banking Diploma. Finalist

05

PAF KIET.

B , C+ and C. Passed. Passed

2005.

06 07

Center of Islamic Economics, Daru l Uloom, Kar. Pakistan. Pakistan Institute of Public Finance Accountants

1996 2010

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03.Work Experience ( 30 Years ):Academia -Permanent Appointments:

Sr # 01 Organization Higher College of Technology, Muscat, Oman. Government of Oman. Nizwa College of Technology, Directorate of Technological Education, Ministry of Manpower, Government of Oman. Bahria College- A Levels Stream, Pakistan Navy, Karachi, Pakistan. Semi Govt. Organization. Position Business Faculty & Coordinator for Accounting Subjects. Head of Accounting & Coordinator of FIA (ACCA). Time Period 5th Jan, 2013 till this date Sept 2010- 31st December, 2012. (2 Years) Program & (Subject) Bachelor Program, FIA ( ACCA ) FIA(ACCA) & Omani Business Diploma Prog. (UK Taxation & Accounting). Cambridge International Examinations. (A Levels Accounting). Institute of Chartered Accountants of Pakistan. Module B Accounting. Cambridge International Examinations. (Ordinary Level Accounting). Cambridge International Examinations. (Advanced Level BS & Accounting.

02

03

Professor, HOD: Accounting & Coordinator, Business Department. Head of Organization.

July 2010 -Sept 2010 (1 Term).

04

Brainstorms for Professional Studies. Karachi, Pakistan.

Nov 2002Sept. 2010 (9 Years).

05

St .Patricks Girls O Levels, Diocese of Karachi, Church of Pakistan, Karachi, Pakistan. Karachi Grammar School College Section, Karachi, Pakistan.

Head of Accounts Faculty.

Sept 2004 Mar 2010 ( 7 Years)

06

Head of Accounts Faculty.

Apr 1995Oct 2002 (8 Years).

Employment Details: Industry -Permanent Appointments: Sr. # 01 Organization Brainstorms for Professional Studies. Karachi, Pakistan. Daily English Dawn- Pakistan Herald Publications (Pvt) Limited, Karachi, Pakistan. Pakistan Boy Scouts Association, Semi Governmental Organization. Position Head of Organization. Time Period Nov 2002Sept. 2010 (9 Years). Oct 1983 July 1995 (12 Years). Jan 19811982 (1 Year). Assignments Preparation of Financial Statements. Financial Recording Assignments. Financial Correspondence.

02

Correspondent in Finance. Typist Cum Clerk.

03

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Employment Details: Academia Visiting Appointments: Sr. Organization Position # 01 Abcaus Institute of Management and Professor. Computer Science. 02 Academy of Islamic Merit. Visiting Professor.

Time Period 2005 (1 Semester). 2004 (1 Year).

03

Al-Khair University.

Visiting Faculty.

2001 (1 Semester).

04

Allama Iqbal Open University.

Part Time Tutor.

2001-2004 (3 Semesters). As per requirement.

Program & (Subject) Sindh University MBA Program. ( Fin. Management) Intermediate Program, Board of Intermediate, Karachi. (Accounting) MBA -Azad Jumu University Program. (Credit Management). HEC Pakistan Intermediate, Bachelors & Masters Levels. (Business Studies, Advertising, Fiscal Policy).

05

Asian Pacific Institute of Information Technology.

Visiting Faculty.

2002-2006 (4 Years ).

06

Bay View Academy.

Part Time Accounts Teacher. Part Time Teacher.

2003-2004 (2 Years). 1997 (1 Term). 2008 (1 Semester).

Staffordshire UniUK , BS program. (Computerized Accounting , Cost and Management Accounting) CIE. O Level Accounting). UK Consortium - BS Accounting. University of Karachi Program. (MBA Financial Accounting).

07

The City School (UK College Program). College of Banking and Financial Studies.

08

Visiting Faculty.

09

East West University, Karachi Campus.

Instructor.

2001 (1 Term).

10

Generations for A levels. Hampton for O Levels.

Head of Accounts.

2004-2007 (4 Years). 2003 (1 Year).

Private US University- BS Program. (Accounting). CIE (Ordinary Level Accounting). CIE (Ordinary Level Accounting).

11

Part Time Accounts. Teacher.

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12

Institute of Business Management. (CBM, Karachi). Institute of Business Administration.

Visiting Faculty.

2006 (1 Year). 2005 (3 Days). 2006 (3 Semesters).

CIE (Advanced Accounting) HEC, Pakistan Security Analysis BBA level. HEC- Pakistan Program- MBA Accounting .Cost & Management). CIE (Advanced Accounting).

13

Visiting Faculty.

14

Iqra University.

Visiting Faculty.

15

K N Academy.

Head of Accounts.

2004-2005 (2 Years).

16

Karachi High for O Levels. Karachi Renaissance for A Levels.

Visiting Head..

2004 (1 Term). 2005 (1 Year). 2006 (1 Year).

17

Accounts Teacher.

CIE (Ordinary Level Business Studies & Economics). CIE (Advanced Accounting). London School of Economics External B.Sc Program. (Management Accounting). HEC, Pakistan, MBA program. (Fin. Accounting) HEC, Pakistan, MBA program. (Fin Accounting, Fin. Management) Professional Accountancy Body of ICAP. (Int. Accounting) CIE (O Level Accounting). University of Bradford UK. Accounting. Consortium of UK University BS level. ( Accounting) CIE (Advanced Accounting).

15

Lecole for Advanced Studies.

Visiting Faculty.

18

National University of Modern Languages. Pakistan Air Force Karachi Institute of Eco & Technology.

Visiting Lecturer.

2005 (1 Semester). 2006-2010 (5 Years).

19

Adjunct Faculty. Member.

20

Pakistan Institute of Public Finance Accountants. Progressive for A Levels.

Visiting Faculty.

2007 (1 Term).

21

Part Time Teacher.

1997-1999 (3 Years). 2006

22

Success Factor,

Visiting Faculty

22

The City School (UK College Program). Toronto for O Levels.

Part Time Teacher.

1997 (1 Term). 1995 (1 Year).

23

Accounts Teacher.

24

Trinity Methodist College.

Accounts Teacher.

2005 (1 Term).

Board of Intermediate, Kar. (Accounts).

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4. Thesis and Research Papers: PhD Research Topic: Management of Leases in Pakistan has been submitted to Hamdard Institute of Social Sciences, Hamdard University, Karachi, Pakistan. My research paper Application of International Financial Reporting Standards to Islamic Finance accepted for publication and presentation at First Global Financial Forum, at COMSAT, Lahore, Pakistan, dated 13th March, 2013. My research paper Cloud Computing- A need for Universities and Colleges of Technologies in Oman. accepted for publication and presentation at 3rd NCT Symposium, at Nizwa College of Technology, Nizwa, Oman, dated 28th May, 2012. My research paper Cloud Computing An Effective Instrument to the Development of Infrastructure of Information Technology in Oman accepted for publication and presentation at SECT Symposium of Information Technology, at Ibri College of Technology, Ibri, Oman dated 15th May, 2012. My research paper Islamic Banking : A way forward - Al-Munawar Theory accepted for publication and presentation at Oman Symposium on Management at Ibra College of Technology, Ibra, Oman dated 4th March, 2012. My research presentation How to Prepare Students for Accounting Examinations has been accepted for presentation at American Accounting Association in 2007.

5. Professional Memberships: Sr. # 01 02 03 04 05 06 07 08 09 10 11 12 13 14 Name of Organization The International Association of Accountants. Information Systems Audit and Control Association. Pakistan Institute of Management. The Society of Digital Information and Wireless Communications. Institute of Financial Consultant. Association of Financial Planners. Chartered Institute of Business Administrators. The International Res. Association. Nizwa College of Technology. Cambridge Discussion Group. Society for Promotion of English. Global Association of Risk Professionals. Institute of Corporate Secretaries, Pakistan. ICMAP Status Advocate Member. Advocate Member. Member. Member. Consultant. Fellow Member. Member. Board Member. Conference Member. Member. Member. Affiliate Member. Student Member. Finalist Membership Country # 168760 UK. 746463 AM-12079 3988 2010 2553 3033 NA NA NA NA NA S-3134 841969 USA. Pakistan. USA. Canada. UK. Canada. USA. Oman. UK. Pakistan. USA. Pakistan. Pakistan 5|Page

6. International, Local Conferences, Symposiums Attended: Activity Based Costing by Institute of Business Administration, Karachi. 14th National Research Conference, SZABIST. Accounting for Non-Accounting Professionals from LUMS. Strategic Vision Time Lenders. MoodleA learning Tool for educational organizations. Acrobat Basic Training .NCT. Training for Trainer by ACCA Oman. - 2011. Participation in Importance of creating linkage between academic institutions and international markets with The Research Council, Oman. The Role of the International Org. in Accounting Profession. 4-5 Dec, 2011, Oman. Islamic Finance and Banking Conference. 23-24 January, 2012. Muscat. Oman CSR & Sustainability Conference- The Way forward. 6th Feb, 2012. Muscat. The 6th GCC Regulators Summit. 20-21 February, 2012, Muscat. Oman Youth to Business Forum at College of Banking & Financial Studies. 29th Feb.12. Oman Symposium on Management, Ibra College of Technology, Ibra. March, 2012. XBRL Certification Ins. of Chartered Accountants of India- Muscat Chapter. Mar 16, 2012. First Islamic Conference in Muscat. October, 4, 2012. ACCA Train the Trainer Event- 2013. 15th January, 2013. Cyber Defense Summit. 4-5 March, Muscat, Oman. 7.Certificates Awarded: List of Certificates Awarded (Conducted and Participated to workshops seminars & conferences and courses). Sr. Title of Event Name of Organization Year
No

01 02 03 04 05 06 07 08 09 10

Brand Management 21st Century Global Challenges. The Fourth Dimensions Learning by Living Business Process Re-Engineering. Best Teacher Nomination by KGS student. Management of Human Resource Conference. Charles Wallace Trust Visiting Program, ( Short Listed) Communications and Interpersonal Skills Internet for Everyone.

College of Business Management, Pak. IBA, Karachi, Pakistan. The Institute of Mind Sciences, Pak. Teachers Resource Centre. Pak Institute of Chartered Accountants of Pakistan. Denison University, USA. IBA, Karachi, Pakistan. British Council, Pakistan. Adamson University, Philippine. CSMIT, Pakistan.

1998. 1998. 1998. 1998. 1999. 1999. 1999. 1999. 2000. 2000. 6|Page

11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34

Teachers at IT Information Technology. Total Assertive Communications Skills Advanced Excel. Trauma Psychology. Water Desalination in Karachi District Assembly Information Systems Training Course in A Level Accounting. Data Warehousing & Teradata Achievements Unlimited. Islamic Banking and Finance Teaching and Learning. Intellectual Activities. Teaching English to Young Learners. 19th International ELT Conference. ACCA Teachers Conference. Grooming for Life. MS Power Point- XP Training Program. Establishment of District Society. Cultivating Distinction in Higher Education. Computerized Accounting. Curriculum Development in Accounting. Resource Person/Facilitator.

The British Council. Fusion Institute of I.T. Pak. NED University, Karachi, Pak Associates of Cost & Management Accountants of Pakistan. University of Missouri, Columbia.US. NED University of Technology, Pak. Rotary International. College of Accounting and Management Sciences ,Pak. University of Cambridge, UK. NCR Pakistan. Study Technology, Karachi. Centre for Islamic Economics, Jamia Darul Uloom, Pakistan. Asian Pacific Institute of Information Technology, Malaysia. ICMAP. The British Council. SPELT. Association of Certified Chartered Accountants, UK School of Leadership, Pakistan The City APIIT, Pakistan. Chartered Association of Business Administrators, Canada. School of Leadership, Pakistan. ICMA, Pakistan COMICS, Pakistan. Directorate of Training and Research, FBR, Government of Pakistan. College of Physicians & Surgeons Pak. The University of Cambridge, UK. APIIT Pakistan. PAF KIET City Campus. Association of Certified Chartered Accountants, UK.

2000. 2000. 2000. 2001. 2001. 2001. 2001. 2001. 2002. 2002. 2002. 2003. 2003. 2003. 2003. 2003. 2004. 2004. 2004. 2004. 2004. 2004. 2005. 2005.

35 36 37 38 39

National Health Management Conference. AS/A Levels Accounting. Corporate Trainer. Research Project Supervisor. ACCA Pakistan Faculty Excel.

2005. 2006. 2006. 2006. 2007.

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40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56

Peer Evaluations. Exemption Certificate.

PAF KIET UNI. Main Campus. Pakistan Institute of Public Finance Accountants. External Resource Person. National Bank of Pakistan. Activity Based Costing. IBA, Karachi, Pakistan. Google Applications. NCT, Staff Development Unit, Oman. Strategic Vision. Time Landers. Students Feed Back. Nizwa College of Technology, Oman. Innovative Approach in Teaching. NCT, Oman. Cloud Computing. Ibri College of Technology, Oman. Youth to Business Forum. AIESEC- Oman Chapter. Cloud Computing. Nizwa College, Oman. Al- Munawar Theory- Islamic Banking. Ibra College of Technology, Oman. XBRL- Taxonomies & Report. Institute of Chartered Accountants of India. MS Share Point. Nizwa College of Technology. Oman Academic Advocate. ISACA. Application of Motivation in Teaching. NCT, Oman Professional Examinations Techniques PWC Academy, Oman

2007. 2007. 2008. 2009. 2010. 2010. 2010. 2011. 2012. 2012. 2012. 2012. 2012. 2012. 2012. 2012. 2012

8. Additional Credentials : Research Conference Organizer: I have practical experience of arranging Seminar, Symposiums, Conferences & I know the process. Recently, I was selected as a member of Organizing Committee for 3rd NCT Conference at Nizwa College of Technology, 28th May, 2012. Participation to intellectual activities of Oxford Brooks University (Stage 2 Completed of ACCA Mentoring), UK, The Research Council, Sultanate of Oman, Arab Open University- Oman branch, ACCA, Institute of Cost & Management Accountants of Pakistan, Institute of Chartered Accountants of Pakistan, The British Council, (Karachi). NED university, SZABIST, University of Missouri-Columbia, NCR, Time Landers, College of Physicians & Surgeons Pak. SPELT, Centre of Islamic Economics, Adamson University, Philippines, IBA (Karachi),Brainstorms, Association of Financial Planner (UK) & LUMS, Pakistan. Presentations related to Management and Social Science: PAF KIET University, CBM University, DHA College for Women, Bahria College, Nizwa College.

9. Training Experience with Cooperate Sector ( 2 Years) : Provided trainings related to Fin Management- Capacity Building Programs to the high officials of National Bank of Pakistan and Federal Board of Revenue, Govt. of Pakistan. 8|Page

10.Memberships/Affiliations/ Honors : Knowledge Ambassador: Knowledge Oman, Sultanate Oman. Hon. Secretary Rotary Club, Karachi South. Member Adult Blind Club. Advisor Board Member Aims Intermediate College, Pakistan. Member- British Accounting Association. Member- Oman Economic Association.

11. International & Local Travelling: USA, UK, France, Singapore, India, Oman. Local Travelling: Sind, Punjab, Pakhantaw, Baluchistan. Nizwa. 12. Non-Academic Interest: Reading, socializing & networking, web surfing, music, long distance running, and prayers. 13.Scholarships Offered: LUMS-McGill one year full funded Scholarship in Finance & Control. International School of Management, Paris. PhD-Scholar: Scholarship Awarded. 14. Psychological Analysis of Personality : 01 03 05 07 09 11 13 Positive Can do attitude. Organizational &Planning Skills. Self Management Skills. Highly Proactive. Abilities to Priorities. Leadership Skills. IT knowledge 02 04 06 08 10 12 14 Effective People Skills. Team Collaboration. Negotiation Skills. Initiative Skills. Tight Dead line achiever. Communication & Admin. Skills. Responsible to Duties.

15. References : 1) Prof. Dr. Syed Irfan Hyder. Dean Academics, PAF KIET University, Kar. Pakistan. E-mail: [email protected] Cell: 00923002364512 2) Captain Sajid Mehmood: Principal, Bahria College, N.O.R.I, M.T.Khan Road, Kar. Pak. E-mail : [email protected] Cell #00923222621279 16. Personal Data : Nationality: Resident: Religion: Date of Birth: Languages Known: Residential Add: Pakistani. (CNIC # 42301-1007488-3). Oman (Omani Civil # 84027632.) Islam. 10th August, 1962. English, Urdu, & (Arabic-early stage). Apartment # 313, Building # 1408, Mehdi Building, Way, # 3922, Block-139, Ruwi, Muscat, Oman. 9|Page

Professional Observations by External Stakeholders and Extracts from Appointment Letters:

==================================================================== The Company will employ Dr. Munawar Hameed in the capacity of Head of Section in Business Studies for the specific purpose of Secondment to the Government of Sultanate of Oman under the supervision of Nizwa College of Technology, Directorate General of Technological Education, Ministry of Manpower Oman. 26th Sept. 2010. Appointment as a Head of Accounts Faculty. It is our pleasure to inform you that you have been appointed as a professor. Mr. Sajid Mahmood TI (M) Captain Pakistan Navy Principal, Bahria College Karachi. (Cambridge Wing). 17.7.2009 Professional Training: In view of your stature and standing, you have been chosen to act as a resource person/facilitator for this course. Mr. Barkat Ali Bukhari. Principal, Customs, Govt. of Pakistan. September, 29, 2009. Though it will not be possible to fully compensate you for your contribution but as a token of our appreciation for your services to NBP, we shall pay honorarium maximum up to Rupees Fifteen thousand per day. Director, Staff College, Karachi. National Bank of Pakistan. 22nd January, 2008 ______________________________________________________________________________ Employment with commitment: Jazakallah for your commitment towards improving the teaching and learning process at Generations. He has a flair for teaching Accounts with ease and confidence. Dr. Gazala Siddiqui. Principal, Generations 15th Aug.06, ______________________________________________________________________________ Extension of Appointment Ms. Ami, Principal, St. Patricks. June, 2006. Impartment of Knowledge: There is no exaggeration that he is great in his field. It is not what he imparts, what matter is how he imparts. His students are more than satisfied with him. His colleagues are full of praise for him and the administration very appreciative. His professionalism can be judged by the fact that in 1998/1999 O Level Exams six students out of seven who had opted for accounts managed to get A grade. Madam Zahida Principal, Progressive 15th Sep., 1999.

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Exceptional Teaching: Brisk and purposeful in his approach, Mr. Hameed teaches well and takes his responsibilities as Head of Department seriously, observing his teams classes, encouraging and advising. That the A Level results in his subject in 1998 showed a marked improvement on previous years is testimony to his industry and enthusiasm .H.H.A Pullan. Principal, Karachi Grammar (College Section). 15-12-1998 Exceptional Teaching: Team Leader: A number of our students achieved the highest marks in Pakistan. Included in the list. Shabbir Khanani (Accounting 9364), Tania Kasim (Management of Business 9368). This is a great triumph for your Department. H.H.A Pullan. Principal, Karachi Grammar. (College Section). 22nd Oct, 1998 Immediate Promotion: Joined as a Professor of Accounting/ Head of Accounts Faculty & became Department Coordinator in a short period of time. : This is to inform all concerned that Mr. Munawar has been appointed as the Coordinator of Commerce Department. Ms. Lubna Mohyuddin .VP (Cambridge Wing), Bahria College, Karachi. Nov.2009. Exceptional Teaching: Individual : Kashif Khan nominated you as that outstanding teacher. Dale T. Knoble, President, Dension University, Ohio. United States. 8th Oct.1998. ______________________________________________________________________________ An extract of a reference letter: Possessing considerable mental stamina, and working to a high degree of efficiency, he has been able to combine his duties with extra studies in related fields to a high level. He is clearly capable of achieving a higher degree of UK standard and would benefit enormously from some time spent there .Mr.C.N. Wrigley, Principal, KGS. 30.8.01 Industry professionalism: Mr. Munawar Hammed was in our permanent employment from 10th Oct.1983 to 15th July, 1995 in our finance Department. During the services we found him hardworking, honest and punctual. In all respects Mr. Hameeds work and attitude were entirely satisfactory. Mr. Shabbir Gangat, General Manager Finance. Daily Dawn, Karachi. Ist January, 1999. 11 | P a g e

A step to higher studies and Entrepreneurship: I am in receipt of your letter of resignation, which is accepted. Best wishes for a successful outcome to your studies. C.N. Wrigley .Principal Karachi Grammar School. Ist October, 2002. Admission in Post Graduate Award Scheme: International Finance I am pleased to confirm your place. Admission Officer. International Admissions Officer University of North London. 5th June, 2002. Teaching at Professional Level: I am pleased to confirm you that you have been booked to attend the ACCA teachers conference at LUMS. ACCA Pakistan.18th December-2004. Research: Over 1000 papers are submitted for presentation from over 20 countries and of these less than 600 are selected for presentation. Having a paper selected for presentation is indeed an honor. We congratulate you for having your paper accepted for presentation. Deirdre Harris. American Accounting Association. 14th May, 2007 I am pleased to inform you of your selection for ISMs Scholarship for Doctoral Studies equal to the amount of 37,000 Euros which has been awarded to you for your strong academic ability and professional experience. Your qualifications impressed the ISM Admissions Committee and we believe you will contribute a great deal to the diversity of the ISM student body. Prof. Peter Horn, PhD. 20th Feb, 2012. International School of Management, France.

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INTERNET REFERENCES: Munawar Hameed is available at Google and Yahoo

My Research Interests:

Research in Accounting Teaching. International Accounting Standards and International Financial Reporting Standards. Presentations of IAS and IFRS. Islamic Banking and Finance. My Internet References: www.nct.edu.om/.../nct2you_news.php?... w.nct.edu.om/.../committees/index.ph... www.nct.edu.om/nct http://www.pafkiet.edu.pk/Default.aspx%3Ftab www.pafkiet.edu.pk/RD/Projects/FinalY...
www.pafkiet.edu.pk/Default.aspx?tabid=173 - Cached

Projects: http://www.scribed.com www.scribd.com/doc/35948179/Munawar-H... www.scribd.com/doc/24613726/Maple-Lea... www.scribd.com/.../Munawar-Hameed-I... www.nct.edu.om/.../paper%206%20NCT%20-... A list of academic articles and letters: http://www.dawn.com/2002/09/01/letter.htm 1. Management of Leases in Pakistan. 2. Shopping for a Car. 3. Education. 4. Getting smart with cellular Phones. Research and development. http://www.the-ira.org/scholarship/3.php) 13 | P a g e

www.ict.edu.om/.../Program%20Agenda-%20%20N... www.researchgate.net/profile/Munawar_Hameed Creative and critical thinking: www.brainstorms.edu.pk

Universities : http://www.iobm.edu.pk/newsletter/iobm-july-pdf www.uok.edu.pk/admissins/msphd/docs/comm1.pdf YouTube www.youtube.com/watch?v=jrfF5AAph6U www.youtube.com/watch?v=XLjfffUEnt4 www.youtube.com/watch?v=oe_iE-mQJhg Others: www.nelaam.com/31028.php www.open-ed.eu/index.php?... groups.yahoo.com/.../Accounting Genius www.omanforum.com/.../showthread.php.

http://knowledgeoman.com/en/knowledge

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