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4.3.6. Consumer Protection Architecture .................................................................................................78 4.3.7. Human Capital and Knowledge Development Framework ..................................................78 4.3.8. Summary and Conclusions..................................................................................................................79 4.4. Malaysia...............................................................................................................................................................81 4.4.1. Legal Infrastructure...............................................................................................................................82 4.4.2. Financial System Regulation and Supervision Framework..................................................84 4.4.3. Shariah Governance Framework .....................................................................................................85 4.4.4. Liquidity Infrastructure .......................................................................................................................86 4.4.5. Information Infrastructure and Transparency ..........................................................................87 4.4.6. Consumer Protection Architecture .................................................................................................88 4.4.7. Human Capital & Knowledge Development Framework.......................................................89 4.4.8. Summary and Conclusions..................................................................................................................90 4.5. Nigeria ..................................................................................................................................................................92 4.5.1. Legal Infrastructure...............................................................................................................................93 4.5.2. Financial System Regulatory and Supervisory Framework .................................................95 4.5.3. Shariah Governance Framework......................................................................................................96 4.5.4. Liquidity Infrastructure .......................................................................................................................97 4.5.5. Information Infrastructure and Transparency ..........................................................................98 4.5.6. Consumer Protection Architecture .................................................................................................98 4.5.7. Human Capital & Knowledge Development Framework.................................................... 100 4.5.8. Summary and Conclusions............................................................................................................... 100 4.6. Oman.................................................................................................................................................................. 102 4.6.1. Legal Infrastructure............................................................................................................................ 102 4.6.2. Financial System Regulation and Supervision Framework............................................... 104 4.6.3. Shariah Governance Framework................................................................................................... 104 4.6.4. Liquidity Infrastructure .................................................................................................................... 105 4.6.5. Information Infrastructure and Transparency ....................................................................... 106 4.6.6. Consumer Protection Architecture .............................................................................................. 106 4.6.7. Human Capital & Knowledge Development Framework.................................................... 108 4.6.8. Summary and Conclusions............................................................................................................... 109 4.7. Pakistan ............................................................................................................................................................ 110 4.7.1. Legal Infrastructure............................................................................................................................ 111 4.7.2. Financial System Regulation and Supervision Framework............................................... 113 4.7.3. Shariah Governance Framework .................................................................................................. 114 4.7.4. Liquidity Infrastructure .................................................................................................................... 115