Kais Ben mbarek Faculty of Law, Economics and Management of Jendouba, University of Jendouba, Tunisia   Tunisie Tunis, 1013 Tunisie   kaisfsegt@yahoo.fr     Biographical Sketch: PHD management in Faculty of Legal, Economic, and Management Sciences, University of Jendouba Courses Taught: Financial Management, Financial Mathematics, Treasury Management, Financial Decision Making, Islamic Finance, Banking Risk Management, Derivatives Markets, Financial Intermediation, and Advanced Financial Diagnosis.       JEL Areas: G0 : Financial Economics: General Q5 : Environmental Economics: General