| 14 أكتوبر 2025م

Dr. Md. Bokhtiar Hasan
Associate Professor
Department of Economics and Finance.....
كلية الاقتصاد والادارة ونظم المعلومات
هاتف: 95081682(968+) البريد الإلكتروني: md.bokhtiar@unizwa.edu.om موقع المكتب: 11I-7... يعمل في الجامعة: منذ 2025 الحالة الاجتماعية: Married.....
Dr. Md. Bokhtiar Hasan is an Associate Professor in the Department of Economics & Finance at the University of Nizwa, Oman, as well as in the Department of Finance & Banking at the Islamic University, Bangladesh (Leave). He is also a Research Fellow at the Institute of Business Research, University of Economics Ho Chi Minh City, Ho Chi Minh City, Vietnam. His career began in banking at Al-Arafah Islami Bank in 2009, followed by research roles at the Dhaka Stock Exchange in 2010, where he later became a senior executive. Before joining the Islamic University, he held a senior executive position in Research at the Dhaka Stock Exchange. He was also an adjunct faculty member at the Department of Business Administration, BAUET, Bangladesh. He has led and collaborated on research projects funded by institutions including the Asian Development Bank, SAMA (Saudi Arabia), Abu Dhabi University, Bank Indonesia, Fulbright University Viet Nam, North-South University, University Grant Commission (UGC), etc. Mr. Hasan teaches undergraduate to postgraduate courses covering Business Finance, Corporate Finance, Financial Management, Capital Budgeting, Financial Derivatives, Security Analysis and Portfolio Management, Financial Institutions and Markets, and Econometrics. His research interests are Ethical Finance, Financial Economics, Energy Economics, Commodity Markets, Fiscal Policy, Climate Finance, Climate and Economic Resilience, Safe Haven, and Financial Crisis. He has published over 36 papers in top-tier finance and economics journals (indexed by ABDC, ABS, Scopus, or SSCI): Energy Economics (ABDC-A*, ABS-3*, Q1), Economics Letters (ABDC-A, ABS-3*, Q1), Annals of Operations Research (ABDC-A, ABS-3*, Q1), International Review of Economics & Finance (ABDC-A, ABS-2*, Q1), Finance Research Letters (ABDC-A, ABS-2*, Q1), Pacific Basin Finance Journal (ABDC-A, ABS-2*, Q1), Global Finance Journal (ABDC-A, ABS-2*, Q1), etc. Several papers are under review in top finance and economics journals. Mr. Hasan has reviewed many papers for top-tier finance journals like Energy Economics, International Review of Financial Analysis, International Review of Economics & Finance, Pacific-Basin Finance Journal, & International Journal of Finance and Economics, etc. Besides, Mr. Hasan presented several papers at over 15 international conferences. He is also a regular columnist and mainly writes about economic and stock market issues.
Associate Professor
Department of Economics and Finance.....
كلية الاقتصاد والادارة ونظم المعلومات
Dr. Md. Bokhtiar Hasan is an Associate Professor in the Department of Economics & Finance at the University of Nizwa, Oman, as well as in the Department of Finance & Banking at the Islamic University, Bangladesh (Leave). He is also a Research Fellow at the Institute of Business Research, University of Economics Ho Chi Minh City, Ho Chi Minh City, Vietnam. His career began in banking at Al-Arafah Islami Bank in 2009, followed by research roles at the Dhaka Stock Exchange in 2010, where he later became a senior executive. Before joining the Islamic University, he held a senior executive position in Research at the Dhaka Stock Exchange. He was also an adjunct faculty member at the Department of Business Administration, BAUET, Bangladesh. He has led and collaborated on research projects funded by institutions including the Asian Development Bank, SAMA (Saudi Arabia), Abu Dhabi University, Bank Indonesia, Fulbright University Viet Nam, North-South University, University Grant Commission (UGC), etc. Mr. Hasan teaches undergraduate to postgraduate courses covering Business Finance, Corporate Finance, Financial Management, Capital Budgeting, Financial Derivatives, Security Analysis and Portfolio Management, Financial Institutions and Markets, and Econometrics. His research interests are Ethical Finance, Financial Economics, Energy Economics, Commodity Markets, Fiscal Policy, Climate Finance, Climate and Economic Resilience, Safe Haven, and Financial Crisis. He has published over 36 papers in top-tier finance and economics journals (indexed by ABDC, ABS, Scopus, or SSCI): Energy Economics (ABDC-A*, ABS-3*, Q1), Economics Letters (ABDC-A, ABS-3*, Q1), Annals of Operations Research (ABDC-A, ABS-3*, Q1), International Review of Economics & Finance (ABDC-A, ABS-2*, Q1), Finance Research Letters (ABDC-A, ABS-2*, Q1), Pacific Basin Finance Journal (ABDC-A, ABS-2*, Q1), Global Finance Journal (ABDC-A, ABS-2*, Q1), etc. Several papers are under review in top finance and economics journals. Mr. Hasan has reviewed many papers for top-tier finance journals like Energy Economics, International Review of Financial Analysis, International Review of Economics & Finance, Pacific-Basin Finance Journal, & International Journal of Finance and Economics, etc. Besides, Mr. Hasan presented several papers at over 15 international conferences. He is also a regular columnist and mainly writes about economic and stock market issues.
المؤهلات الأكاديمية
- PhD in Finance، Islamic University، 2019، Performance of Shariah and Conventional Indices of Emerging Stock Markets: A Comparative Study
- MBA in Finance and Banking (First Place)، University of Rajshahi، 2006
- BBA in Finance and Banking (First Place)، University of Rajshahi، 2005
أنشطة التدريس
- Corporate Finance
- Capital Budgeting
- Financial Institutions & Markets
- Security Analysis and Portfolio Management
- Business Finance
- Financial Derivatives
- Econometrics
- Principles of Insurance
- Financial Management
الأنشطة البحثية
- الاهتمامات البحثية
- Ethical Finance
- Financial Economics
- Energy Economics
- Commodity Markets
- Fiscal Policy
- Climate and Economic Resilience
- Financial Crisis
- العرض في المؤتمرات
- Quantifying the impact of economic resilience and climate resilience on sustainable economic development: A cross-country panel data analysis.، International Conference on Empirical Economics at PSU-Altoona, 2025، Pennsylvania State University, USA، 02/08/2025
- Public spending and inclusive growth: A cross-country empirical analysis، IMF Seminar, 2025، IMF, USA، 12/05/2025
- Quantifying the impact of economic resilience and climate resilience on sustainable economic development: A cross-country panel data analysis، 8th SANEM Annual Economists’ Conference (SAEC) 2025، SANEM, Bangladesh، 21/02/2025
- Quantifying the tail risks, dynamic spillovers, and portfolio implications between diverse classes of digital currencies. ، 1st JIMF International Workshop 2024، Bank Indonesia, Bali, Indonesia، 14/10/2024
- The resilience of ethical assets against different uncertainty shocks، International Conference on Business and Finance، University of Ho Chi Minh, Vietnam، 8/08/2024
- Exploring the economic and non-economic determinants of investments in renewable energy: Developed vs. developing countries، Doctoral Colloquium & International Winter Energy Summit 2024، Gurgaon, India، 14/02/2024
- Dynamic interconnectedness among diverse green financial assets.، International Conference on Business and Finance، University of Ho Chi Minh, Vietnam، 28/09/2023
- Is investing in green assets costlier? Green vs. non-green financial assets، International Conference on Sustainable Finance and Green Fintech، Abu Dhabi University, UAE، 23/02/2023
- Using green and ESG assets to achieve post-COVID-19 environmental sustainability.، Green finance and sustainable recovery post-COVID-19 pandemic، Fulbright University Vietnam، 11/08/2022
- Exploring the EKC hypothesis between industrial growth and CO2 emissions for BRICS countries: The critical role of renewable and fossil fuel consumption, financial development, and trade openness. ، Third Symposium titled: Emerging Topics in Financial Economics 2021، 09/09/2021
- The Effect of Macroeconomic Variables on the Performance of Non-life Insurance Companies: Evidence from Bangladesh. ، International Seminar on Management Practices in Bangladesh and Challenges of 21st Century (ISMPBC) 2018، Department of Management, Islamic University, Bangladesh، 18/04/2018
- Application of Derivatives in Contract Farming: A Case Study in Bangladesh.، International Conference on Business and Sustainable Development (ICBSD)، Faculty of Business Administration, University of Rajshahi, Bangladesh، 08/03/2018
- Stock Market performance under different Government periods: Evidence from Bangladesh.، Second National Research Conference on Four Decades of Bangladesh: Potentialities and Challenges، Bangladesh Peace and Development Mission (BPDM) and Islamic Foundation, Dhaka, Bangladesh، 05/07/2013
- حضور المؤتمرات
- Discussant, Hamaguchi & Thakur (2025), ``Finance-led tourism growth hypothesis and sustainable tourism in the R&D-based location model`` at the International Conference on Empirical Economics at PSU-Altoona, 2025، Pennsylvania State University and held in Altoona, USA، 2/08/2025
- Uddin, G. S. presented our paper and I attended: ``Public spending and inclusive growth: A cross-country empirical analysis`` at the ADB-BOK-JIMF Conference 2025، Bank of Korea, South Korea، 16/07/2025
- Udding, G. S. presented and I was present there as an attendee: ``Quantifying the impact of economic resilience and climate resilience on sustainable economic development: A cross-country panel data analysis`` at the “ADB-APAEA Conference 2025,” ، arranged by ADB and held in Bangkok, Thailand، 27/06/2025
- 12. Panelist, 2nd Yogananda International Conference on Contemporary Issues in Social Sciences-2021 ، Faculty of Management Sciences and Liberal Arts, Shoolini University, India، 21/08/2021
- المنشورات
- 1. 2025 Rahman, M. A., & Hasan, M. B. (2025). Quantifying dynamic connectedness among diverse green and sustainable financial assets: Evidence from quantile-base VAR technique. Finance Research Open, 1(2), 100007. (2nd and Corresponding Author) (Elsevier) (Funded by NSU)
- 2. 2025 Husodo, Z. A., Hasan, M. B., Rafia, H. T., Ridhwan, MHA., Uddin, G. S., & Prasetyo, M. B. (2025). Risk-Adjusted Returns and Spillover Dynamics among Emerging Digital Currencies. Journal of Islamic Monetary Economics and Finance, 11(2), 269-306. (2nd Author) (Scopus Q3)، Funded by Bank Indonesia
- 3. 2025 Hasan, M. B., Hossain, M. N., Khatun, H., Uddin, G. S., Bilgin, M. H., & Tian, S. (2025). Using smart transportation assets to hedge fossil energy markets: Evidence from quantile-based VAR approach. PLOS ONE, 20(5), e0317748. ، (1st Author) (IF-3.752, Q1, ADB Tier-1)
- 4. 2025 Exploring the economic and non-economic determinants of investments in renewable energy. Renewable Energy, 255, 123750. (2nd Author) (IF-9.1, Q1, Citescore-17.6)
- 5. 2025 Hasan, M. B., Uddin, G. S., Park, D., Ali, M. S., & Beirne, J. (2025). Impact of Economic and Climate Resilience on Sustainable Development: A Cross-Country Analysis. ADB Economics Working Paper Series, 795.
- 6. 2025 Nobanee, H., Hasan, M. B., & Hossain, T. (2025). How impactful is the financial performance of impact investing? Compared to conventional benchmark. Finance Research Letters, 85, 108168. (ABS-2*, ABDC-A, IF-6.9, Q1)
- 7. 2024 Hasan, M. B., Rashid, M. M., Sarker, T., & Shafiullah, M. (2024). Exploring the determinants of green bond market development in Bangladesh. Eurasian Economic Review, 14, 213-233. (1st & Corresponding Author) (ABDC, IF-2.3, Q2) (Funded)
- 8. 2024 Rabbani, M. R., Hassan, M. K., Dejan, A., Bashar, A., & Hasan, M. B. (2024). A bibliometric analysis of the review papers in finance: Evidence from the last two decades. Review of Financial Economics. 42 (3), 241-257. (5th Author) (ABDC-B, IF-1.4, Q2)
- 9. 2024 Hasan, M. B., Uddin, G. S., Ali, M. S., Rashid, M. M., Park, D., & Kang, S. H. (2024). Examining time–frequency quantile dependence between green bond and green equity markets. Financial Innovation, 10(1), 1-28. (1st Author) (ABS-2*, IF-7.2, Q1)
- 10. 2024 Hasan, M. B., Hassan, M. K., Rashid, M., Akter, T., & Rafia, H. T. (2024). The resilience of ethical assets against different uncertainty shocks. Heliyon, 10 (24), e40980. (1st Author) (IF-3.6, Q1)
- 11. 2024 Siddique, M. A., Nobanee, H., Hasan, M. B., Uddin, G. S., & Nahiduzzaman, M. (2024). Is investing in green assets costlier? Green vs. Non-green financial assets. International Review of Economics & Finance, 92, 1460-1481. (3rd & Corresponding Author) (ABS-2*, ABDC-A, IF-5.6, Q1) (Funded)
- 12. 2024 Exploring the Economic and Noneconomic Determinants of Investments in Renewable Energy. ADB Economics Working Paper Series, 730. (2nd Author) (ADB Funded)
- 13. 2023 Hasan, M. B., Rashid, M. M., Hossain, M. N., Rahman, M. M., & Amin, M. R. (2023). Using green and ESG assets to achieve post-COVID-19 environmental sustainability. Fulbright Review of Economics and Policy, 3(1), 25-48. (1st and Corresponding Author) (Funded by Fulbright University Vietnam)
- 14. 2023 Hasan, M. B., Rabbani, M. R., Sarker, T., Akter, T., & Hasan, S. M. (2023). Role of risk disclosure on creditworthiness and driving forces of risk disclosure of banks: Islamic vs. conventional banks. International Journal of Islamic and Middle Eastern Finance and Management. 16 (5). (1st & Corresponding Author) (ABS-1*, ABDC-B, IF-2.2, Q2) (Funded by UGC)
- 15. 2023 Hasan, M. B., Wahid, A., Amin, M. R., & Hossain, M. D. (2023). Dynamics between Ownership Structure and Dividend Policy: Evidence from Bangladesh. International Journal of Emerging Markets. 18 (3) (1st & Corresponding Author) (ABS-1*, ABDC-B, IF-3.0, Q2) (Funded by UGC)
- 16. 2023 Volatility Spillovers, Structural Breaks and Uncertainty in Technology Sector Markets، Financial Innovation, 9(1), 1-31 (4th Author) (ABS-2*, IF-7.2, Q1)
- 17. 2023 Hasan, M. B., Hassan, M. K., & Alhomaidi, A. (2023). How do sectoral Islamic equity markets react to geopolitical risk, economic policy, and oil shocks? The Journal of Economic Asymmetries, 24, e00333. (1st Author) (ABDC-B, Q1, Citescore-6.5) (Funded by SAMA, KSA)
- 18. 2023 Hasan, M. B., Hassan, M. K., Rafia, H. T., & Rashid, M. M. (2023). Searching hedging instruments against diverse global risks and uncertainties. The North American Journal of Economics and Finance, 66, 101893. (1st Author) (ABS-2*, ABDC-B, IF-3.9, Q1)
- 19. 2023 Hasan, M. B., Wieloch, J., Ali, M. S., Zikovic, S., & Uddin, G. S. (2023). A new answer to the old question of the Environmental Kuznets Curve (EKC). Does it work for BRICS countries? Resources Policy, 87(Part B), 104332. (1st Author) (ABS-2*, ABDC-B, IF-10.2, Q1)
- 20. 2023 Siddique, M. A., Nobanee, H., Hasan, M. B., Uddin, G. S., Hossain, M. N., & Park, D. (2023). How do energy markets react to climate policy uncertainty? Fossil vs. renewable and low carbon energy assets. Energy Economics, 128, 107195. (3rd Author) (ABS-3*, ABDC-A*, IF-14.2, Q1)
- 21. 2023 Uddin, G. S., Hasan, M. B., Phoumin, H., Taghizadeh-Hesary, F., Ahmed, A., & Troster, V. (2023). Exploring the critical demand drivers of electricity consumption in Thailand. Energy Economics, 125, 106875. (2nd Author) (ABS-3*, ABDC-A*, IF-14.2, Q1)
- 22. 2022 Hasan, M. B., Kabir, M. A. R., Amin, M. R., & Mahi M. (2022). Effect of Macroeconomic Variables on Islamic and Conventional Stock Indices: Fresh Evidence from Bangladesh. Journal of Developing Areas, 56 (2), 197-220. (1st & Corresponding Author) (ABS-1*) (PhD Thesis)
- 23. 2022 Hasan, M. B., Hassan, M. K., Rashid, M. M., Ali, M. S., & Hossain, M. N. (2022). Calendar Anomalies in the Stock Markets: Conventional vs. Islamic Stock Indices. Managerial Finance, 48(2), 258-276. (1st & Corresponding Author) (ABS-1*, ABDC-B, IF-2.2, Q2)
- 24. 2022 Hassan, M. K., Hasan, M. B., Rashid, M. M., Halim, Z. A., & Maroney, N. (2022). Exploring the dynamic spillover of cryptocurrency environmental attention across the commodities, green bonds, and environment-related stocks. The North American Journal of Economics and Finance, 61, 101700. (2nd Author) (ABS-2*, ABDC-B, IF-3.9, Q1)
- 25. 2022 Hasan, M. B., Ali, M. S., Uddin, G. S., Mahi, M., Liu, Y., & Park, D. (2022). Is Bangladesh on the right path toward sustainable development? An empirical exploration of energy sources, economic growth, and CO2 emissions nexus. Resources Policy, 79, 103125. (1st & Corresponding Author) (ABS-2*, ABDC-B, IF-10.2, Q1)
- 26. 2022 Hasan, M. B., Rashid, M. M., Shafiullah, M., & Sarker, T. (2022). How resilient are Islamic financial markets during the COVID-19 pandemic? Pacific-Basin Finance Journal, 74, 101817. (1st Author) (ABS-2*, ABDC-A, IF-5.3, Q1)
- 27. 2022 Hasan, M. B., Hossain, M. N., Junttila, J., Uddin, G. S., & Rabbani, M. R. (2022). Do commodity assets hedge uncertainties? What we learn from the recent turbulence period? Annals of Operations Research. (1st Author) (ABS-3*, ABDC-A, IF-4.5, Q1)
- 28. 2021 Hasan, M. B., Mahi, M., Sarker, T., & Amin, M. R. (2021). Spillovers of the COVID-19 Pandemic: Impact on Global Economic Activity, the Stock Market, and the Energy Sector. Journal of Risk and Financial Management, 14(5), 1-19. (1st Author) (ABDC-B, Q2, Citescore-5)
- 29. 2021 Hasan, M. B., Mahi, M., Hassan, M. K., & Bhuiyan, A. B. (2021). Impact of COVID-19 Pandemic on Stock Markets: Conventional vs. Islamic Indices using Wavelet-based Multi-timescales Analysis. The North American Journal of Economics and Finance. 58, 101504. (1st Author) (ABS-2*, ABDC-B, IF-3.9, Q1)
- 30. 2021 Hasan, M. B., Hassan, M. K., Rashid, M. M., & Alhenawi, Y. (2021). Are safe haven assets really safe during the 2008 global financial crisis and COVID-19 pandemic? Global Finance Journal, 50, 100668. (1st Author) (ABS-2*, ABDC-A, IF-5.5, Q1)
- 31. 2021 Hasan, M. B., Hassan, M. K., Karim, J. A., & Rashid, M. M. (2021). Exploring the hedge and safe haven properties of cryptocurrency in policy uncertainty. Finance Research Letters, 46, 102272. (1st Author) (ABS-2*, ABDC-A, IF-6.9, Q1)
- 32. 2021 Hassan, M. K., Hasan, M. B., & Rashid, M. M. (2021). Using precious metals to hedge cryptocurrency policy and price uncertainty. Economics Letters, 206, 109977. (2nd Author) (ABS-3*, ABDC-A, IF-1.8, Q1)
- 33. 2020 Hasan, M. B., Islam, M. R., & Wahid, A. (2020). Do `Shariah` Indices Surpass Conventional Indices? A Study on Dhaka Stock Exchange. International Journal of Islamic and Middle Eastern Finance and Management, 14(1), 94-113. (1st Author) (ABS-1*, ABDC-B, IF-2.2, Q2) (PhD Thesis)
- 34. 2018 Hasan, M. B., Hossain, M. D., & Wahid, A. (2018). Application of Forward Contract and Crop Insurance as Risk Management Tools of Agriculture: A Case Study in Bangladesh. Asian Economic and Financial Review, 8(12), 1394-1405. (1st & Corresponding Author) (ABDC-C, Q3)
- 35. 2018 Hasan, M. B., Islam, S. N., & Wahid, A. (2018). The effect of macroeconomic variables on the performance of non-life insurance companies in Bangladesh. Indian Economic Review, 53(1-2), 369-383. (1st Author) (ABDC-C, IF-0.6, Q2)
- 36. 2015 Hasan et al. (2015). The Size and Value Effect to Explain Cross-Section of Expected Stock Returns in Dhaka Stock Exchange
- 37. 2014 36. Hasan, M. B., Ahsan, A. F. M. M., Rahaman, M. A., & Alam, M. A. (2014). Influence of Capital Structure on Firm Performance: Evidence from Bangladesh. International Journal of Business and Management, 9(5), 184-194. (1st Author) (ERA)
- 38. 2013 Rahaman, M. A., Hasan, M. B., Ahsan, A.F.M. M. (2013). Stock Market Performance under Different Government Periods: Evidence from Bangladesh (peer-reviewed)
- 39. 2012 Ahsan, A.F.M. M., Gani, M. O., & Hasan, M. B. (2012). Margin requirements and stock market volatility in Bangladesh. DMIMD Journal of Management, 3(2), 29–42. (Peer-reviewed and published by SDM Institute for Management Development, Mysore, India)
مقال:
الخبرة الإدارية
- 2020 - 2023: Head - Dept. of Finance & Banking, Islamic University, Bangladesh Successfully completed my tenure. During my Tenure, I have introduced OBE-base Curriculum, online activities such as class, infrastructural development like classroom modernization, faculty chambers modernization, and so on.
- 2017 - 2020: Member, Self-Assessment Committee - Dept. of Finance and Banking, Islamic University, Bangladesh
- 2017 - 2019: Coordinator, Evening MBA Program - Dept. of Finance and Banking, Islamic University, Bangladesh
- 2016 - 2023: 3. Member of the Coordination Committee, Evening MBA Program - Dept. of Finance and Banking, Islamic University, Bangladesh
الأنشطة الاستشارية
- PI، ADB، Asian Development Bank (ADB), Philippines. ، 2025
- PI، ADB، Asian Development Bank (ADB), Philippines، 2025
- PI، Bank Indonesia، Indonesia، 2024- 2025
- PI، ADB، Asian Development Bank (ADB), Philippines، 2024- 2024
- C0-PI، ADB، Asian Development Bank (ADB), Philippines، 2024- 2024
- PI، ADB، Asian Development Bank (ADB), Philippines، 2024- 2024
- Research Adviser، College of Business, Abu Dhabi University، UAE. ، 2023- 2024
- Co-PI، NSU CTRG Grant 2022-2023 sponsored by North-South University، Bangladesh، 2022- 2023
- Research Adviser، College of Business, Abu Dhabi University، UAE، 2022- 2023
- PI، Islamic Finance Research Program 2021 grant,” sponsored by SAMA، SAMA, Saudi Arabia ، 2021- 2022
- Research Adviser، College of Business, Abu Dhabi University، UAE، 2022- 2022
- Superviser، University Grant Commission ، University Grant Commission, Dhaka, Bangladesh، 2023- 2024
- PI، Fulbright Review of Economics and Policy for a Grant sponsored by Fulbright University Vietnam، Vietnam، 2022- 2022
- PI، University Grants Commission (UGC)، Bangladesh، 2022- 2023
- PI، University Grants Commission (UGC)، Bangladesh، 2020- 2021
- Superviser، University Grants Commission (UGC)، Bangladesh، 2020- 2021
- Superviser، University Grants Commission (UGC)، Bangladesh، 2018- 2019
- Member، Self-Assessment Project for the Department of Finance and Banking, Islamic University, funded by IQAC, HEQEP, UGC، Bangadesh، 2017- 2018
العضوية في الهيئات المهنية
- 2025-الآن: ADB Blog
الجوائز والتقدير
https://scholar.google.com/citations?user=H7bVytsAAAAJ&hl=en
- 2008 Gold medals for securing first place in both BBA and MBA programs
- 2006 Faculty of Business Studies Scholarship for Merit List (MBA Level), Rajshahi University, Bangladesh.
- 2002 Rajshahi University scholarship (Honors Level), Rajshahi, Bangladesh.
https://scholar.google.com/citations?user=H7bVytsAAAAJ&hl=en
الرابط المباشر للصفحة: https://www.unizwa.edu.om/staff/cemis/md.bokhtiar | تنزيل السيرة الذاتية