Dr Bilal Ahmad Pandow is an author and educator with twenty years of experience in the field of finance. He has a passion for teaching and has dedicated his career to helping individuals, especially children, understand and manage their finances effectively. Dr Pandow holds a PhD in Finance and has written extensively on financial topics in various national and international outlets. He is a certified Micro-finance Trainer by the Asian Development Bank, the World Bank, and the Tokyo Development Learning Center.