SURE Institute
SURE Education Trust
SURE Entrepreneurship Education Village
Schumpeterian Entrepreneurship Society
Pakistan Association of Small Enterprises
Progressive Bank for Small Enterprises
World Bank Consultant 1991: Washington USA
UNICEF Consultant, Advocacy & Training for Hygiene
Education 2001 to 2002
EU-HTSPE Survey of BDSP for Capacity Building BDS
Expert for Small Enterprise 2006
US AID Project Empower Pakistan – Entrepreneurship
Survey Karachi
WTO Consultant
International Youth Foundation IYF/ US AID
Asian Productivity Organization APO Japan: (2000-
2002) National Expert on SMEs
Association of Development Finance Institution in
Member Countries of IDB - Deputy Secretary General
SMEDA – one of Top 3 consultants who setup SMEDA,
Government of Pakistan.
Senior Fellow Entrepreneurship, Lahore School of
Economics since 2007 to date.
As Director Case Development Unit: launched as Editor a Journal. Lahore School Journal of Case Studies.
Launched a virtual business project for
Entrepreneurship.
Taught Marketing, Advertising, Banking, Research
Methodology, Business Communication and Case
Study Writing besides Entrepreneurship.
Visiting faculty, Punjab University
Visiting Professor: ILM/University of Management &
Technology (UMT)
Visiting Professor: Kinnaird College for Women
Visiting Professor: University of Lahore
Visiting Professor: Imperial College of Business Studies
Visiting Professor: Pak-AIMS
Visiting Faculty: Al-Hajvery College of Business
Administration
University of Allama Taba Tabai: Tehran
Thai Chamber of Commerce University: Bangkok

Versatile, accomplished Entrepreneurship & Small Enterprise Executive /
Business Consultant with MPhil in Entrepreneurship Education and diverse experiences. Seeking opportunity to leverage skills in Education
Management and Business Development. Recognized as a positive, productive peak performer who knows ground reality of
Entrepreneurship environments and achieves key business goals in education, business incubation, and establishing Entrepreneurship
Development Institute.
A proven ability to drive superior business performance with innovation process improvements, tools and programs. Identifies business opportunities and creates new models that generate better utilized resources, and improve satisfaction. Use collaborative leadership style to build consensus for organization change. Dynamic entrepreneur who utilizes creativity, leadership and teamwork to design and execute solutions that creates new values.
Has proven track record with responsibility for recruiting, training, and supervising in important organization as SMEDA.
Over thirty five years of experience in the field of international trade and Entrepreneurship Education, Entrepreneurship Development,
Entrepreneurship Policy, Social Entrepreneurship and Small
Enterprise (SE), Small Enterprises Support Systems, Financing of Small
Enterprises. Seasoned outsourcing/off shoring professional with experience analyzing transacting, implementing, managing, optimizing, and overseeing all aspects of O/O lifecycle.
PhD Candidate in Education with Specialization in
Entrepreneurship(Thesis to be submitted) (UMT)
M Phil: Education with Specialization in Entrepreneurship
MA ELM from University of Management & Technology (UMT)
Lahore (Educational Leadership) Specialization in Entrepreneurship.
Graduation from Government College, Lahore with Economics and
Political Sciences
Areas of Specialization: Research and Consultancy in
Entrepreneurship
Training and Development and Teaching.
Developing Banking Products of Small Enterprises
Writing books, articles, research papers and case studies on
Entrepreneurship.
Entrepreneurship Education, Entrepreneurship Development,
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Entrepreneurship Policy, Social Entrepreneurship and Small
Enterprise (SE), Small Enterprises Support Systems, Financing of
Small Enterprises. Administrative ability to manage multidisciplinary organization/Institute.
As Entrepreneurship Specialist have conducted research, consultancy, and training for small enterprises. Have assisted in venture creation, developing capacity of entrepreneurs, written and published books and research papers. Continuing research for minority entrepreneurs, indigenous entrepreneurs, and social entrepreneurs.
As Entrepreneurship Education Specialist and academic have written research papers and designed training programs for educating Entrepreneurs of all ages and all experiences. Area of expertise lies in entrepreneurship Education, Social
Entrepreneurship, Minority Entrepreneurship, Indigenous
Entrepreneurship, Entrepreneurship policy and Women
Entrepreneurship and Training Entrepreneurship to Vocationally
Trained personnel’s to setup small and micro enterprises.
As Small Enterprise Specialist set up the Small and Medium
Enterprise Development Authority (SMEDA) for Government of
Pakistan. Have conducted research, consultancy and training for small enterprises, donor agencies, Government of Pakistan
As SME Banking Specialist have been the president of a small enterprise bank, have designed banking products for banks for the betterment and development of Small Enterprises and
Microenterprises. Have conducted consultancy and training for small enterprise bankers.
Senior Fellow Entrepreneurship, Director Case Development
Unit, Lahore School of Economics since 2007 to-date with additional objective to promote entrepreneurship as a separate discipline of study and develop local case study to teach from the experience of local entrepreneurs and also to record the contribution of entrepreneurs who evolved the corporate environment of Pakistan and develop local literature for teaching.
Providing exposure to Students: Organized a study tour of
Turkey by leading a delegation of 25 researcher associates to conduct a study of Entrepreneurship Eco-System of Turkey in
Feb. 2013. Study Tour was called the Academic Ambassadors
Tour covering 4 universities, KOSGEB, TUSCON, ISMEK, Halk Bank,
ADFIMI and association of Businessmen and 4 schools.
Led a delegation of research associates to International Conference on
Entrepreneurship to Sweden June 2011 (ICSB Conference 2011)
Led a delegation of research associates to Northern Cyprus, Feb 2011 to an International Entrepreneurship Conference of ECSB
As Director Case Development Unit launched as editor a Journal.
Lahore School Journal of Case Studies.
Launched a Virtual Business Project for Entrepreneurship classes
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Page 3

in LSE on-Campus Business Activity.
Taught Marketing, Advertising, Banking, Research Methodology,
Business Communication and Case Study Writing.
Visiting faculty, Punjab University: International Marketing.
Visiting Professor: ILM/University of Management & Technology
(UMT): Entrepreneurship & SMEs Management; Global Dynamics.
Visiting Professor: Kinnaird College for Women: Research
Methodology; Business Communication
Visiting Professor: University of Lahore: Entrepreneurship
Visiting Professor: Imperial College of Business Studies:
International Marketing; Entrepreneurship; & Advertising
Management.
Visiting Professor: Lahore School of Economics: Marketing;
Banking; SMEs & Entrepreneurship and involved with initial curriculum development (1998-1999)
Visiting Professor: Pak-AIMS: Entrepreneurship & SME
Management
Visiting Faculty: Al-Hajvery College of Business Administration:
Management
University of Allama Taba Tabai: Tehran: Export marketing courses on Special invitation.
Thai Chamber of Commerce University: Bangkok, Thailand. SME and Entrepreneurship on Special invitation
Managing Director/Founder President’ 1971-76 Progressive Co-
operative Bank Ltd.' Championed the cause of entrepreneurship and small enterprises and micro-entrepreneur and Venture Creation in the face of nationalization. In 1971 engineered a strategy to open branches, mobilizing deposits by moving closer to the customers by opening “pay offices”. No products existed oriented towards collateral free financing. Some of its products are listed below:
1.
The bank placed special emphasis on staff training and established a
“Staff Training Institute” within the bank.
2.
“Mutual Investment Account” whereby matching amount was invested with entrepreneurs in micro/small firms for venture creation and venture financing.
3.
It was the first bank in Pakistan to introduce a “Women’s branch” in
1975. These bankers were trained at the Staff Training Institute and it empowered women to be banker and also empowered women to do banking with banks. Until this moment women as depositors or customers were not seriously targeted. It started a new trend of banking and inhibition in women to deal with banks was reduced.
Women were happy to have their own private accounts without the influence of their men folks.
4.
“Saving & Investment Advisory Services” was another successful services by this bank.
5.
“Daily Balance Pass Book Saving Account” was introduced to promote the mobilization of deposits from small entrepreneurs.
Manager: United Bank' 1966-69 (Leading Commercial Bank 3-
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years) Opened new branches in interior Punjab & acted as
Area Manager in Mianwali.
Manager: Habib Bank' 1969-71 (Leading Commercial Bank in
Pakistan 3-yrs) Banking Development activities in Lahore and
Manager of branch on Mall Road, Commercial Building.
Facilitator and Trainer: ADFIMI for Training and Capacity
Building of bankers in the region of IDB. 1997- 2003.

Presentation: Developed ability to produce reports and presentations to a professional standard
Organizational: Effective at time management and prioritizing tasks to achieve deadlines.
Interpersonal/Communication: Strong team working, leadership and Communication skills. Innovative: Approach to tasks with ability to devise new solutions.
Cognizant with all laws, regulations, and standard operating procedures related to the import & Export International and marketing.
Excellent integrity, interpersonal and time management skills.
Fine team player, organization, professional management, and diplomacy.
Computer Skills: Basic, Lotus 1 2 3, Word Perfect,
2013 As Conference Chair & Chairman Organizing Committee organized the 02 nd International Conference on
Entrepreneurship (ICE-13) 08 & 09 th November 2013, Lahore.
Executive Steering Committee Member of the Hall of Fame
Pakistan (Current).
Organized a study tour of research and survey of
Entrepreneurship to Turkey which undertook a comprehensive survey on the “Entrepreneurship Eco-System.”
Organized a 3 days International Conference on Schumpeterian
Entrepreneurship and the Spread of Entrepreneurship at Lahore
08, 09 & 10 th December 2012 as Conference Chair & Chairman
Organizing Committee of ICE-2012
Member of Think Tank of World Entrepreneurship Forum (WEF-
2010) EM Lyon France, which is an international think tank for the promotion of Entrepreneurship.
Led a delegation of research associates to International
Conference on Entrepreneurship to Sweden June 2011 (ICSB
Conference 2011) to present research papers
Led a delegation of research associates to Northern Cyprus, Feb
2011 to an International Entrepreneurship Conference of ECSB to present papers.
Founding President of International Council of Small Business
(ICSB) Pakistan Chapter 2012.
Invited as Keynote Speaker to Abdul Gul University, Kayseri
Turkey December 2011 at a Conference to introduce the
University.
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Organized a 4 days Conference of JWEF-Pak at Lahore School of
Economics July 2011
USAID Project Empower Pakistan: (FIRMS) As consultant carried out survey of Karachi to determine Entrepreneurship projects and potential of new business (2009)
Developed the concept and model of Entrepreneurship and Small
Enterprise Hub: a model for developing entrepreneurship and small enterprises. (2000) (2009) The Entrepreneurship Eco-
System
Established the Case Study Journal at LSE, as its Editor. (2008)
Establishing the Entrepreneurship Development Centre at the
Lahore School of Economics. (2008)
Deputy Secretary General of Association of Development Finance
Institutions of Member Countries of Islamic Development Bank
(ADFIMI), Turkey, a regional agency (2003-2005) for over two years: administered a territory of 20 countries of the OIC member countries, training of bankers, providing Technical Assistance to
Banks, and writing policy advocacy papers for Islamic
Development Bank, reorganizing ADFIMI’s mission statement and operational manuals and drafting it’s new byelaws/constitution.
European Union (EC) consultant (2005-2006) implementing a project to survey, identify and train Business Development
Service Providers in Pakistan and creating a forum for the BDSPs.
Asian Productivity Organization’s designated National Expert on
SMEs for three years (2001, 2002, and 2003) and to conduct research on SMEs in Pakistan.
UNICEF Consultant (2001) and implemented a project on Hygiene
Education for Afghanistan.
One of the three lead consultants who set up the Small and
Medium Enterprises Development Authority (SMEDA) for the
Government of Pakistan. (1999)
World Bank working experience as Consultant (1991) in
Washington DC. For Latin American and Caribbean countries.
Managing Director of Chemical industry producing Activated
Carbon based on appropriate technology.(1976-1988)
President of a Small Enterprise Bank for 5 years developing policies and developing assets and liabilities products for financing small enterprises. (1971-1975)

USAID Project
Empower Pakistan (2009) as consultant carried out survey of
Karachi to discover potential of business and investment opportunity for economic development of Pakistan. This involved focus group at the Federation of Pakistan Chamber of Commerce
& Industry, another at Karachi Chamber of Commerce & Industry and another at Korangi Industrial Association (KATI) besides personal interviews with presidents of banks, presidents of investment companies, leasing companies, owners of Industrial projects. Report submitted to USAID.
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
The Punjab Education Foundation consultant for the training of the Principals and Headmasters, which was called “School
Leaders Development Program”. It was expected to develop educational leadership among the principals and headmasters.
Conducted training for the primary school teachers across
Punjab. Three subjects were required to be taught: English,
Math’s and Science. This program was called “Cluster Based
Primary Teachers Training”.
All these programs were designed and conducted within the period from April 2007 to October 2008.

Re-Engineering and Human Resource Development at the
Lahore Chamber of Commerce and Industry (2007) reorganized the R and D department and the structure of LCCI: Prepared the new Vision and the Mission Statement of the Chamber for approval. Created the Operations Division and the R & D
Division and prepared the SOP of all Departments:
Implemented the TQM procedures and practices through extensive trainings of the entire staff affected.

Project commissioned by the European Union; As SME Business
Development Services (BDS) Expert training and Capacity
Building of
BDS Providers of selected consultants as BDSP: and developing a forum and a Directory of BDSP in Pakistan and Creating Support
System for Small Enterprises in Pakistan. The overall objectives to enable availability of affordable, accessible and sustainable
BDS/BSS for the SMEs in Pakistan

A Provincial Survey of Punjab Vocational Training Council (PVTC) on behalf of International Youth Foundation (IYF) funded by
USAID. A study to determine the success factor behind the creation of 139 Vocational Training Institutes of the PVTC run on the utilization of Zakat fund for the purpose of education of the deserving (Mustakheen-e-Zakat) and developing prospect of
Entrepreneurship.

Association of Development Finance Institutions of Member
Countries of Islamic Development Bank (ADFIMI), Turkey, a regional agency: administered a territory of 20 countries of the
OIC member countries, training of bankers, providing Technical
Assistance to Banks, and writing policy advocacy papers for
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Islamic Development Bank, reorganizing ADFIMI’s mission statement and operational manuals and drafting it’s new byelaws/constitution.
Managing international affairs, international linkages, relationship with Islamic Development Bank; Organizing
Conferences, Training programs and General Assembly of
ADFIMI, the amendment of ADFIMI’s Constitution,
Administrative, Financial Regulations, and Operations Manual:
Restructured ADFIMI introducing a VISION and MISSION
Statement and structuring the Objectives in accordance to the need of members and changing environment. Initiated, designed and negotiated arrangement to introduce a Bankers
Qualification and Credentialing Program by entering into a
MOU with the Eastern Mediterranean University: Launched a cyber-market space regional bloc to increase Trade and
Investment among ADFIMI partner Banks called the ADFIMI
Hub.
Special Advisor ADFIMI (2000-2004) Small Enterprises, Banking,
Research, and Policy papers on SMEs for IDB.


Research, Consultancy, Social Mobilization, Advocacy & Training for
Hygiene Education in Afghanistan. It entailed Hygiene Education assignment survey and analytical reporting. The preparation of the survey required field survey by a number of teams inside Afghanistan to determine the target audience who could be trained to further train women, teachers, Imams & Khatib and eventually mothers and children, Hygiene Education. Eventually it was to take shape of a manual and the Development of Hygiene Education and Training
Material for Afghanistan.

Designated as National Expert on SMEs for three years (2000,
2001, 2002,) by Asian Productivity Organization, (APO) Japan.
“Sustainability of Productivity and Competitiveness”, “Role and
Adaptation of Small and Medium Enterprises in the Changing
Industrial Structure”, “Asian-Pacific
Productivity Data and Analysis”, ”SMEs in Competitive Markets;
A case of Pakistan”, “Measuring Total Factor Productivity”.

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Was one of the top 3 lead consultants to setup Small &
Medium Enterprises Development Authority (SMEDA) of
Pakistan? Put the organization structure in place, identified the potential sectors for development, initial Team Building and
Staffing, and established International linkages with donor agencies and embassies in Pakistan. Organized meeting with all
European Diplomats including UNIDO in Islamabad who were potential donors for small enterprise development. An outcome of this was the UNIDO support for cluster mapping to
SMEDA and agreement with World Gold Council for development of jewelry manufacture and export: Established
SMEDA’s links and membership with International Trade Center
(ITC) Geneva; World Association of Small and Medium
Enterprises (WASME) Delhi; CBI Netherlands; EIM (Small
Enterprise Research Agency) Netherlands; and Austrian Small
Business Research. (1999)

Appraising Technical Assistance Loans to Latin America and
Caribbean; namely Bolivia, Argentina, Chile, Venezuela,
Guyana, Trinidad & Tobago.

WTO Consultant for Capacity Building, Training and Counseling
Registered with ITC Geneva, Ministry of Agriculture Punjab,
SMEDA, for Capacity Building, Training and Counseling on WTO issues affecting various economics sectors, banking sector and
SME sectors.

Consultant REDCO Enterprises, Doha Qatar. – Developing their marketing department, marketing network and Business
Development Services, Training of Staff & Organization
Development.
Has conducted over 400 training programs within and outside Pakistan for multinational organizations and national organizations and government agencies and embassies in Pakistan.

Training Consultant PITAC/NPO on SMEs, Productivity,
Competitiveness and Training.
Training programs designed and conducted for 3 years for
Pakistan Institute of management all over Pakistan.
Conducted Seminars in Egypt, Tunisia, Turkey, Bangladesh,
Russia, Northern Cyprus of Senior Bankers and Academics,
Researcher, Islamic Bankers, including Dean and Professors.
Under numerous titles such as, Negotiation, Leadership
Emotional Intelligence, Creative Decision Making, Export
Marketing,
“A Comparison of Analytical Tools used in SME Finance and
Microfinance Financial Analysis”. February 2012 and Islamic
Modes Financing in Moscow 2002.
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“Team Building and Trust Benefits” workshop for PVTC. February
2012
Association of Development Finance Institution of Member
Countries of IDB (ADFIMI) Designed & conducted seminars on
Banking, SMEs, Personal Development, Negotiation Skills,
Emotional Intelligence, Crisis Management, International
Marketing, Basel II issues. Training of Trainers in Development
Banking, Trade & Investment among ADFIMI members,
Marketing Analysis, Marketing Techniques, Customer Services and Small Enterprise Lending, Islamic Banking Practices.
UNITAR Hiroshima. United Nations Institute for Training and
Research: Trainer and Consultant for the Fellowship Program
Afghanistan: for capacity building, social mobilizing in the postconflict reconstruction in Afghanistan.
Asian Productivity Organization (APO) Japan on Behalf of PITAC and SURE, skill development & management training courses:
Training of Trainers, NPO Core Competency, Consultancy
Training, and Export Marketing
Pakistan Institute of Management (Visiting Faculty and Course
Designer) Designed & conducted specialized course namely
“Planning and Organizing for Export Marketing”; “Development
Course for Supervisors”; “Letter Writing, Report Writing and
Presentation”.

Leading Social Entrepreneurs of Pakistan: The Unsung Heroes”
2011
“Unlocking the Potential of Small Enterprises” 2004
“Kazakhstan Business Guide” 1994

Productivity, Technology, HRD & Vision 2010 (Nation 24-8-98)
Small Enterprise Development Bank, (Nation –4-2000)
A profile of Pakistan's Factors of Competitiveness (Nation 10-8-
98)
Need To Promote Trade with ECO States (Nation 2-8-98)
Does Policy Matter (Nation 29-6-98)
Trade & Economic Diplomacy (Nation 1-6-98)
Foundation for Mobilizing Savings-Savings & Loans Bank (May,
1998)
Influencing the Trade Winds (The News; 7-9-97)
A Taxpaying Society (Nation;18-8-97)
The Export Import Bank for Pakistan VITAL, (Nation; 30-6-97)
Is Trade Policy Necessary 1997
Cooperative Banking New Horizon (Pak-Times 22-12-97)
A Small Enterprises Development Bank of Punjab, (Nation), 1997
Contemporary Central Asia-Special reference Kazakhstan
(Published by Hans Siedel Foundation), 1995
Exploring the Central Asian Connection (The News 28-10-94) 1994
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Kazakhstan The Financial Centre of Central Asia (The News), 1994
Trade Promotion Education Vital To Export Led Economy (News 8-
7-94)
Change of Guard (Nation 6-2-93)
Principles of Export Marketing (Nation) 1993
A task of Great Magnitude-On line System (Nation), 1992
CBI Netherlands can chalk out a future plan for Pakistan (Nation
22-3-90), 1989
The Case to Convert PSIC into Punjab Small Industries
Development Bank (Frontier Post) 14-12-89
The Will to Survive - case study of a Chemical Industry (Muslim
17-4-84)
Merchant Banking, 1983
An unjust taxation system- Nawa-e-Waqt (3-2-79)
Cooperative Banking (22-5-1976 Sun)

Presented paper at International Conference by ILO at Lahore
March 1999 on `Role of SME in Promoting Self Employment-
International Model’’.
Presented paper at International Conference on Small & Medium
Enterprises by WASME. Bombay, February 1999. `Conventional &
Creative Financing – Partnership Financing’
Regional Conference on "Technology Transfer and Promotion of
Appropriate Technology" (4 - 8 Dec 1989 Lahore Pakistan) organized by UN-ESCAP & APCTT & National Centre for
Technology Transfer Pakistan
Asian Conference on Micro-enterprise and the Informal Sector
(Dec 11 & 12, 1989 Lahore Pakistan) organized by USAID and
Centre for International Private Enterprise (CIPE) & Federation of
Chambers of Commerce Pakistan.
Presented paper “Women Entrepreneurship and the Women
Chamber of Commerce and Industry: Economic Emancipation and
Clout for Pakistani Women” at ESU 7 th Conference 2010 on
Entrepreneurship, Estonia.
“Entrepreneurial Intentions among Indigenous Kalash People”
2011. Paper presented at International Council of Small Business
(ICSB 2011) Sweden.
“Identifying and Developing Vocational Skills for Adopting
Indigenous Entrepreneurship Ventures by the Kalash
Community”2011. Paper presented at International Council of
Small Business (ICSB 2011) Sweden.
“Kalash Indigenous Entrepreneurship and the Question of
Sustainable Economic Development” 2011. Paper presented at
International Council of Small Business (ICSB 2011) Sweden.
“Entrepreneurship Education: Emerging Trends and Issues in
Developing Countries” 2011. Attended Doctoral Seminar in
International Council of Small Business (ICSB 2011) Sweden.
“Entrepreneurship and SME Policy: Economic and Social
Development Imperatives for Punjab Pakistan” 2011. Paper
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presented at 2 nd International Conference on Small Business &
Entrepreneurship, European Council Small Business; Northern
Cyprus.
“Entrepreneurship Education and Vocational Training: Evidence from Punjab Vocational Training Council (PVTC) in Pakistan”
2011. Paper presented at 2 nd International Conference on Small
Business & Entrepreneurship, European Council Small Business;
Northern Cyprus
“Entrepreneurship Education: Emerging Trends and Issues in
Developing Countries” 2011. Paper presented at the International
Higher Education Congress - 27-29 May 2011, Istanbul-Turkey.
Volume 2, Chapter VIII, Page # 742-750 &ISBN P # 978-975-7912-
43-9 of their publication.
Tsinghua University presented paper “Entrepreneurship Policy as the Architectural Design of the Space and SME as a Subset of the
Policy”, June 2010 at Beijing China. It was subsequently published as proceedings of 2010 AIE World Entrepreneurship “Proceeding of Academy of Innovation and Entrepreneurship 2010” bearing
ISBN # 978-7-5084-7589-9 of their publication.
“Shifting the Centre of Gravity from SME Policy to
Entrepreneurship Policy”2009. Presented paper the International
Council of Small Business, USA, (Who also publish a Journal
Namely Journal of Small Business Management) George
Washington University School of Business. In Korea in June 2009, which was consequently published in the proceeding on CD-ROM
ISBN # 97888961790956 and the abstract was published in
Abstract Book bearing ISBN # 896-179-094-3
“Entrepreneurship & Vocational Training: PVTC”Lahore School
Case Study Journal, Vol. 1, No.1, Jan-June 2008. Published by
Lahore School of Economics, Lahore.
“Small Enterprise Development in Jordan” Lahore School Case
Study Journal, Vol. 1, No.1, Jan-June 2008. Published by Lahore
School of Economics, Lahore.
“Globalizing the Trade Policy” published in SSRN: http://ssrn.com/abstract=1368832
“Small Enterprise Economic and Social Development Policy Paper:
Recommendation for Punjab Government” published in SSRN: http://ssrn.com/abstract=1348603
“Shifting the Centre of Gravity from SME Policy to
Entrepreneurship Policy” published in SSRN: http://ssrn.com/abstract=1355064
“Benefits & Academic Importance of Entrepreneurship
Education” My paper was selected and I was invited to present my paper at International Conference on Developing &
Promoting Entrepreneurship for Poverty Alleviation in
September 2007, Published by National Institute of Science &
Technical Education (NISTE), Ministry of Education, Government of Pakistan, Islamabad. ISBN: 978-969-9196-00-3
“SMEs in Competitive Markets” Report of the APO Survey on Role and Adaptation of SMEs under the Changing Industrial Structure,
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Published by Asian Productivity Organization (APO) Tokyo, July-
2002. ISBN: 92-833-2327-0
“Measuring Total Factor Productivity (TFP)”Report of the APO
Survey on Total Factor Productivity (SUV-06-98), Published by
Asian Productivity Organization (APO) Tokyo, 2001. ISBN: 92-833-
2284-3
“The Concept & Model of Small Enterprises Hub for Developing
Countries” Published by The Lahore Journal of Economics by
Lahore School of Economics, Vol.5 No. 2, July-Dec. 2000
“Regulatory Environment for Integration of NDFIs in the Member
Countries of IDB” Report of the Experts Group on Bank
Integration Convened by ADFIMI and IDB in Istanbul from May
14-16, 2000.
“Total Trade Policy Management and Competitive Advantage”
Implementing TQM (Approaches, Methodologies, Tools & Case
Studies). Published by Pakistan’s Sixth International Convention on Quality Improvement, November 14-15, 2000. Lahore:
Pakistan Institute of Quality Control.
SMEs & Micro-Enterprises in the Environment of Privatization an
Analysis of Situation, Needs & Modalities of Intervention” Report of the Group on SMEs & Micro-Enterprises conveyed by ADFIMI and IDB in Istanbul from August 20 to 22 nd , 1999:
“Trade and Investment Possibilities between Member Banks of
ADFIMI culminating into ADFIMI Hub”. Northern Cyprus 2004
“Financial Services Rendered by Financial Institutions &
Development Banks to SE”. Presented at Algeria to Islamic Bank
& ADFIMI members 2001.
`Internationalization of Financial Services’ presented at Beirut, to
Islamic Development Bank & ADFIMI members, November 2000.
Paper on “Why Developing Countries must have Small
Enterprises Development Bank”. (1999) For the 25 TH Annual
Meeting of IDB, Jeddah. SA.
“Developing Pakistan's Competitive Advantage” for PITAC
Ministry of Industries, Government of Pakistan (1998). As part of
Competitiveness Dialogue & Trade Policy.
“Role & Adaptation of Small & Medium Enterprises (SMEs) in the
Changing Industrial Structure”. 2000 APO Japan, International
Publication
“In Search of New Concept of Support Systems for Small
Enterprise Development” ADFIMI & Islamic Development Bank
Publication 2001.
Punjab Vocational Training Council. Education and Employment
Alliance 2007.
“WCCI: Women’s Struggle for Economic Emancipation”
“Entrepreneurship and Vocational Training: PVTC”

As consultant to Lahore Chamber of Commerce supervised and
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J-63 DHA PHASE 1 LAHORE 54792 PAKISTANPH + 92 42 3572 7219 FAX + 92 42 3589 0264 Cell + 922 321 404 6625 Email: ibajauri@gmail.com
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advised the preparation of Country Trade Profile of 57 member countries of OIC identifying “Early Harvest Items” as common denominators of bilateral trade to sign up FTA with member
Muslim Countries. (2007)
Member CM Task Force on Trade and Industry advocating the need to implement policy for Domestic Commerce in Punjab.
(2007)
Designated 'Commercial Counselor Japan': Trade Promotion &
Development by Government of Pakistan.
Designated 'Commercial Counselor Kazakhstan': for Trade
Promotion & Development by Government of Pakistan.
Consultancy: specialization for Central Asian Republic, ECO countries & Export Promotion Activities in the region.
Deputy Leader of Trade Delegation of LCCI to India (1981)
Deputy Leader of Trade Delegation of LCCI to Kazakhstan &
Uzbekistan in (1995)

Managing Director/Founder President’ 1971-76Progressive Co-
operative Bank Ltd.' championed the cause of entrepreneurship and small enterprises and micro-entrepreneur and Venture
Creation in the face of nationalization. In 1971 engineered a strategy to open branches, mobilizing deposits by moving closer to the customers by opening “pay offices”. No products existed oriented towards collateral free financing. Some of its products are listed below:
The bank placed special emphasis on staff training and established a “Staff Training Institute” within the bank.
“Mutual Investment Account” whereby matching amount was invested with entrepreneurs in micro/small firms for venture creation and venture financing.
It was the first bank in Pakistan to introduce a “Women’s branch” in 1975. These bankers were trained at the Staff
Training Institute and it empowered women to be banker and also empowered women to do banking with banks.
Until this moment women as depositors or customers were not seriously targeted. It started a new trend of banking and inhibition in women to deal with banks was reduced. Women were happy to have their own private accounts without the influence of their men folks.
“Saving & Investment Advisory Services” was another successful services by this bank.
“Daily Balance Pass Book Saving Account” was introduced to promote the mobilization of deposits from small entrepreneurs.
Manager: United Bank' 1966-69 (Leading Commercial Bank 3years) Opened new branches in interior Punjab & acted as Area
Manager in Mianwali.
Manager: Habib Bank' 1969-71 (Leading Commercial Bank in
Pakistan 3-yrs) Banking Development activities in Lahore and
Manager of branch on Mall Road, Commercial Building.
S
URE ENTREPRENEURSHIP DEVELOPMENT INSTITUTE
J-63 DHA PHASE 1 LAHORE 54792 PAKISTANPH + 92 42 3572 7219 FAX + 92 42 3589 0264 Cell + 922 321 404 6625 Email: ibajauri@gmail.com
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Facilitator and Trainer: ADFIMI for Training and Capacity Building of bankers in the region of IDB. 1997- 2003.
 PROFESSIONAL TRADE FAIR PARTICIPATION:
Trade Fair Participation- Intfair, CBI. Netherlands 1998
Trainers in Development Banking and Training of Trainers
ADFIMI/IDB, Turkey, 1998
Export Marketing and International Training Program (LUMS)
Lahore, May 1995
International Marketing (for Trade Promotion Officers and
Commercial Counselor). CBI. Netherlands 1992
Export Promotion -CBI. Dec. 1991 (Pakistan)
Foundation Trainer of Trainers Workshop, AED. AID. Nov. 1990
Advanced Management Program, University of Pittsburgh, USA.
Aug. 1990
Agribusiness Management. LUMS. Mar. 1987
International Joint Venture workshop UN- ESCAP/AITT/NCTT.
Sep. 1987
International Business Negotiation UNCTAD/ITC. Geneva. Dec.
1985
Export Strategy Formulation, EPB/UNCTAD/ITC. 1985
Legal Aspects of Foreign Trade UNCTAD/ITC/1984
GSP Export Practices EEC/EPB. 1984
Advanced Management Program PIM Pakistan. Aug. 1975
Advances Specialization in Banking UBL/Staff College. 1967
General Banking UBL/Staff College. 1965

S
URE ENTREPRENEURSHIP DEVELOPMENT INSTITUTE
J-63 DHA PHASE 1 LAHORE 54792 PAKISTANPH + 92 42 3572 7219 FAX + 92 42 3589 0264 Cell + 922 321 404 6625 Email: ibajauri@gmail.com
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MPhil Thesis external examiner for GC University Lahore
English reading & Writing and Speaking. High level of fluency
Books Reading, Music, Traveling, Book Collection
ON REQUEST
S
URE ENTREPRENEURSHIP DEVELOPMENT INSTITUTE
J-63 DHA PHASE 1 LAHORE 54792 PAKISTANPH + 92 42 3572 7219 FAX + 92 42 3589 0264 Cell + 922 321 404 6625 Email: ibajauri@gmail.com
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