Prof.Niyaz has beenconferred with the degree of Doctor ofPhilosophy (Ph. D.) in Commerce byMangalore University, for his doctoralthesis entitled “Role of Co-OperativeBanking in Socio – Economic Developmentof Rural Muslim Communities – A Study inD. K. District of Karnataka”.He has prepared the thesis under theguidance of Dr. A. Siddique, AssociateProfessor in Commerce, University