Dr. Sonia Kumari is Senior Lecturer at Department of Development Studies, Faculty of Business and Economics, University of Malaya. She holds PhD (Financial Development and Economic Growth, UNIMAS, Malaysia), MEcon (Public Policy, UKM, Malaysia) and BEc (Management Economics, UKM, Malaysia).  Her research expertise includes, Financial Development ; Financial Integration; Financial Inclusion; Sustainable Finance; Climate Finance; and Financial management of small businesses, with main focus on multidisciplinary themes related to emerging and developing economies. Her previous work experience includes: Associate Economist at the Central Bank of Malaysia (BNM) ; Visiting Research Fellow at Bocconi University, Milan, Italy; Visiting Research Fellow at Instituto Complutense de Estudios Internacionales (ICEI), Complutense University of Madrid, Spain; Lecturer at Help University, Malaysia.  She has taught several courses at Undergraduate level including:  Microfinance and Social Enterprise, Analysis of Development Projects, SME Development, Agriculture Business Management, Agriculture Development, Development Economics and Research Methodology (at University of Malaya); Principles of Business Management, Principles of Macroeconomics and Principles of Microeconomics (at Help University). Postgraduate courses: Sustainable Finance (Universiti Malaya).  She supervised over 50 UG projects including industrial placement projects (at University of Malaya); over 15 Masters Research Projects (at University of Malaya); and 1 Doctoral completion (current PhD supervision = 8).   Produced over 30 publications, including book chapters, articles in internationally refereed journals, policy briefs and reports. She has also