Dr. Saiful is an assistant professor in Departement of Business Management, Institut Teknologi Sepuluh Nopember Surabaya. He is the current Head of postgraduate program in Departement of Business Management, ITS. Dr Saiful get his doctorate degree in Department of Finance, National Yunlin University of Science and Technology, Taiwan. Mr. Syaiful received his master and bachelor degrees from Department of Management, Universitas Airlangga. His research area involving financial management and management accounting. Besides being a lecturer at Business Management Department ITS, Mr. Saiful is a professional financial planner and a member of Indonesia Financial Management Association.