Lucky Nugroho is a lecturer in private university (Mercu Buana University) and also as a practitioner in an Islamic Bank (Bank Syariah Mandiri). He has experienced in banking industries more than ten years, especially in the micro banking business and strategy performance. He teaches budgeting, Islamic Finance, Islamic Accounting, Good Corporate Governance and Islamic Banking. He earned his bachelor in accounting from the Islamic University of Indonesia, Master degree in finance from Trisakti University, Master degree in Islamic Accounting from Padjadjaran University, Advance Master degree from Solvay Brussels School of Economics and Management, the post graduate in Sustainable Local Economic Development from the Erasmus University of Rotterdam. He has focused on empirical research and the conceptual that bridging the gap between it.