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It is part of the traditions of Islam to acknowledge one's teachers. To honor this tradition I have to recognize the team at International Centre for Education in Islamic Finance (INCEIF) in Kuala Lumpur, Malaysia. I thank Professor Yusuf Saleem for encouraging me to write my first paper on salaam, which was published in the ISRA Journal of 2014; Professor Ezamshah for his eloquent explanation of risk and how to price risk; Professor Rosly, who painstakingly answered every question I had; Professor Azam, who is as elegant as he is knowledgeable; Professor Razak for dropping the one pearl of wisdom that the rate of zakat should be the minimum profit rate applied to a credit financing contract; Professor Pisal for his humorous anecdotes; and last but not least, Professor Yusuf. I also thank Mohammad Ghaith Mahaini for urging me to write in the first place.

I would be doing an injustice if I did not extend a word of thanks to all my fellow students who tolerated me for a year, when I asked question after question, hogging the professor's attention. Izzaty, Nur Fatin, Tariq, and all the rest, thanks for putting up with me. I also congratulate INCEIF for providing students from all over the world a platform to study Islamic law and finance. Few places are left in the Muslim world where one can “argue” on shariah in a nondogmatic environment. Professor Ahsenne has to be congratulated on that.

The face of INCEIF for me has been Dr. Abbas Mirakhor, Dr. Al Habshi, and the famous D. Vicary to whom I am indebted for the wonderful institution they have set up.

I acknowledge the warmth and hospitality of the peoples of Malaysia who gave me and my family a home and an environment conducive for me to finish my program.

I give a warm acknowledgment to the support of my mother, Mrs. Bilquise Azam Kureshi, who patiently mentored me through the challenges of going back to school at the age of 42. I acknowledge “team oomi zoomi,” which consists of Inaya, Azam, and Sophiya, who were forced to be separated from their homeland and loving grandparents, Mamajaani, Mamo, and Dado, to keep me company while I finished my studies and the book. Finally, I cannot thank Hannah, my wife, enough for putting up with missing out on her career and my mood swings. I am indebted to you for that.

A final word of acknowledgment to Septya Iriani Mukhsia, whose input was invaluable and without whom the book possibly would never have been finished. I also acknowledge OCBC AL Amin Bank Berhad for affording me a scholarship to finish my studies. They have not supported the book directly but their financial help certainly made it possible for me to continue my research.

I thank Moorad Choudhry, who is possibly one of the most prolific writers on banking and finance. To him I owe a word of thanks for the encouragement. Gladys and Jeremy at John Wiley & Sons, thank you for patiently taking all my calls, and then again, where would you find a writer who submits material weeks before deadlines?

– Hussain Kureshi

I acknowledge my family, which has always been supportive of my projects. Even though my two boys, Zidaan and Araz, would rather play with me, they understand the value of work. I also acknowledge my colleague and office manager, Nasir Rabbani, who for many years has organized, documented, researched, MS “Excel-ed,” and made available anything and everything upon request. His work has always been invaluable.

My thoughts and ideas have evolved through people I've met along the way – friends, restaurant owners, entrepreneurs, emerging market CEOs, financiers, investors from New York, Hong Kong, Kuala Lumpur, Islamabad, Karachi, London, Singapore – people such as Glen Taylor, Yee Hui Wong, Punit Khanna, Kaman Leung, Iqbal Latif, and many more.

And last but not least, I acknowledge my coauthor, who did the heavy lifting for this project. Hussein is passionate, thoughtful, and driven by what he believes.

– Mohsin Hayat