Published during the transformative era of interest-free banking, Professor Dr. Abul Hasan M. Sadeq identifies the scarcity of qualified personnel as a primary bottleneck for the Islamic financial revolution. He argues that the structural success of Shari'ah-compliant banking is inextricably linked to the quality and ethical grounding of its human resources.

Key Research Pillars:

• Dual Competency Gap: Highlighting the critical need for bankers who are not only experts in modern financial accounting and management but are also deeply rooted in Islamic jurisprudence (Fiqh al-Muamalat).
• Institutional Training Framework: Proposing the establishment of specialized training institutes to bridge the gap between traditional Islamic scholarship and contemporary banking practices.
• Behavioral Transformation: Analyzing the need to shift personnel mindset from "risk-free interest income" to "risk-sharing entrepreneurship," which is the core of the Islamic banking philosophy.
• Long-term Sustainability: Emphasizing that without a robust pipeline of professionally trained staff, the revolutionary goals of Islamic banking—social justice and equitable wealth distribution—cannot be fully realized.

This 1986 paper provided an early roadmap for Islamic banks in Bangladesh and across the Muslim world to invest in human capital development as a prerequisite for institutional growth.

Core Concepts: Banking Revolution, Personnel Development, Human Resource Management, Islamic Banking, Fiqh al-Muamalat, Economic Research, AUB.