He has Graduated Ph.D. from Babasaheb Bhimrao Ambedkar University in Lucknow, India. He holds an MPhil degree in Economics from Babasaheb Bhimrao Ambedkar University Lucknow and a Master's degree in Economics from Kashmir University. 

Dr. Firdous Ahmad Malik, an Indian citizen by birth, presently working as a Senior Research Associate at Jindal Center for Global South, O.P. Jindal Global University Sonipat Haryana. He has Graduated Ph.D. from Babasaheb Bhimrao Ambedkar University in Lucknow, India. He holds an MPhil degree in Economics from Babasaheb Bhimrao Ambedkar University Lucknow and a Master's degree in Economics from Kashmir University. His research area of interest is Microfinance, financial inclusion, and financial literacy. He has published papers in Springer, Elsevier, Taylor Francis, and other Scopus indexed journals. He has published his latest book with a springer, "financial inclusion Schemes in India'' His Second book is published by notion press on "Financial Behaviour of Urban Destitues in India" His Third Book is Published by Booksclinic on "Asymmetry of Information and Lending Risk Livelihood Pattern of Street Vendors in India'' and shineeks publish his Fourth coming Book on "Health System in Jammu and Kashmir Challenges and Opportunities." Specialization: Microfinance, Development Economics, Monetary Economics, Public Finance, Inclusive Education.