Dr Khalid has an extensive experience in the area of Islamic Banking and Finance, as well as Islamic Microfinance. Prior to lecturing at RDBS, Dr. Khalid was the Senior Advisor of Islamic Microfinance at the World Bank’s funded project in Sudan SMDF (Sudan Microfinance Development Facility). Before joining the World Bank he served as an Islamic Microfinance adviser to his Excellency the Governor of Central Bank of Sudan. Dr Khalid also worked as an assistant Professor of Finance at the Abu Dhabi University in which he helped them to establish an MBA and MSc in Islamic Banking and Finance.

Dr. Khalid received his PhD from School of Economics, Finance and Business at Durham University UK in 2007 and appointed since then as an honorary visiting research fellow in Islamic Finance at SGIA, Durham University.

He also holds a BSc. and a MSc. Degrees, both, in Banking Studies. In addition he holds LL.B and a postgraduate diploma in sharia law.

Teaching, research, training and consultation in the are of Islamic Banking and Finance

• Islamic Banking and Finance
• Islamic Microfinance 

• Islamic Finance (MBA)
• Investment and Risk Management (MSc)
• Accounting & Finance (BA) 

• Fundamental of Finance FE 2035
• International finance FEM 207
• Islamic Banking and Finance 

• Forthcoming, Islamic Finance for partnership venture: Some lessons from Sudanese Banking Industry, a chapter in and edited book titled Islamic banking and Finance, published by published by Routlege UK.
• (2009) M Tameme and Khalid Gaffar, Does the Islamic Finance meet the Mortgage Challenge in the West? England Case Study, Review of Islamic Economics, Vol 13, No 1, pp. 175-197 
• (2008), Islamic Micro-Finance Practice with a Particular Reference to Financing Entrepreneurs through Equity Participation Contracts in Sudanese banks, in M. Obaidullah and H. S. H. Abdul Latiff (2008), Enhancing Islamic financial services for micro and medium sized enterprises, IDB, pp. 75-105
• (2008), The implication of using profit and loss sharing modes of finance in the banking system, with a particular reference to equity participation (partnership) method in Sudan, Humanomics, Vol 24 No 3, pp. 182-206

Papers presented at Conferences and published in Conference proceedings:

• (2008) The demand of Islamic Mortgage in UK, The Eighth Harvard University Forum on Islamic Finance, Harvard University Press. 
• (2007) Musharakah equity participation finance through the banking system: Theory and evidence from Sudan, the International conference on Understanding Islamic Finance From Capital Markets to Real Estate, Geneva, Switzerland

• (2005) Risk and Profitability for the Islamic Finance methods, Review of Islamic Economics Vol 9, No 2, pp.31-75
• (2003) The Efficiency of Islamic finance modes, Sudanese Banks Experiment (Article in Arabic), Banking and Financial studies Journal, No 13, pp. 9-41 
• (2000), Lectures notes on law of Contract in Sharia and Sudanese law (Book in Arabic), Sudan University press
• (2000) professional paper The performance of musharakah (partnership) method in Islamic banking in Sudan, Al-Mogtasid, Tadamon Islamic Bank, No 41, pp. 39-51   
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Papers presented at Conferences and published in Conference proceedings:

• (2007) Musharakah equity participation finance through the banking system: Theory and evidence from Sudan, the International conference on Understanding Islamic Finance From Capital Markets to Real Estate, Geneva, Switzerland
• (2007) Islamic Micro-Finance Practice with a Particular Reference to Financing Entrepreneurs through Equity Participation Contracts in Sudanese banks, First International Conference on inclusive Islamic Financial sector Development: Enhancing Islamic financial services for micro and medium sized enterprises (MMES), sponsored by the IDB and held by University of Brunei, Negara, Darussalam, Brunei
• (2006) The implication of using profit and loss sharing (PLS) modes of finance, with a particular reference to musharakah (partnership) financing method in Sudanese Islamic Banks,  2nd Banking and Finance International Conference in Islamic Banking and Finance, Lebanese American University, Beirut, Lebanon
• (2003) The Lack of Profit Loss Sharing Performance, The efficiency of Islamic financing methods in Sudanese banks, 1993-1999, the International Banking Conference organised by Monash University Malaysia in collaboration with Monash University Australia and Monash University Prato, Prato, Italy.
• (2003) The Performance of the Islamic financing methods in Sudanese banks, International Seminar on Islamic Wealth Creation, University of Durham, Durham, UK

1. (1996) BAR exam to practice law in Sudan
2. Board Executive Member of three Islamic Microfinance Institutions
3. Referee for the following Academic Journals

i) African Development Review 
ii) Review of Islamic Economics
iii) The American Journal of Islamic Social Sciences AJISS

(2009) M Tameme and G Khalid , Does the Islamic Finance meet the Mortgage Challenge in the West? England Case Study, Review of Islamic Economics, Vol 13, No 1, pp. 175-197

Abstract: The UK Islamic mortgage market has seen impressive growth over the last five years. As a result of the greater size of the Islamic finance market in Europe, the UK market has not yet attracted the full attention of financiers who feel the need to push for more business. This paper investigates the Islamic mortgage product and the demand for it in Europe, taking the UK as an example. The market is still in its infancy and faces many obstacles; this paper accordingly explores and evaluates the development of both the product and the demand for Islamic mortgages in the UK. It focuses on two main questions: first, it asks whether there is really an effective demand for Islamic mortgages in the UK; second, it evaluates the perceptions about Islamic mortgages among UK Muslims and provides an empirical assessment of these perceptions. Also, this paper describes the Islamic finance products offered by high street banks in Europe, asks whether the current models of Islamic mortgages have a role to play in helping low-income groups among Muslims to achieve homeownership, and looks at the factors that influence the decision to take or not take up an Islamic mortgage.