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4.7.5. Information Infrastructure and Transparency ....................................................................... 115 4.7.6. Consumer Protection Architecture .............................................................................................. 116 4.7.7. Human Capital & Knowledge Development Framework.................................................... 118 4.7.8. Summary and Conclusions............................................................................................................... 119 4.8. Saudi Arabia.................................................................................................................................................... 120 4.8.1. Legal Infrastructure............................................................................................................................ 120 4.8.2. Financial System Regulation and Supervision Framework............................................... 124 4.8.3. Shariah Related Issues and Governance Framework........................................................... 125 4.8.4. Liquidity Infrastructure .................................................................................................................... 125 4.8.5. Information Infrastructure and Transparency ......................................................................... 125 4.8.6. Consumer Protection Architecture .............................................................................................. 126 4.8.7. Human Capital & Knowledge Development Framework.................................................... 126 4.8.8. Summary and Conclusions............................................................................................................... 127 4.9. Senegal .............................................................................................................................................................. 128 4.9.1. Legal infrastructure ............................................................................................................................ 128 4.9.2. Financial System Regulation and Supervision Framework............................................... 129 4.9.3. Shariah Governance Framework................................................................................................... 130 4.9.4. Liquidity Infrastructure .................................................................................................................... 130 4.9.5. Information Infrastructure and Transparency ....................................................................... 130 4.9.6. Consumer Protection Architecture .............................................................................................. 131 4.9.7. Human capital and knowledge development frameworks ................................................ 131 4.9.8. Summary and Conclusions............................................................................................................... 131 4.10. Sudan............................................................................................................................................................... 133 4.10.1. Legal Infrastructure ......................................................................................................................... 134 4.10.2. Financial System Regulation and Supervision Framework ............................................ 136 4.10.3. Shariah Governance Framework................................................................................................ 137 4.10.4. Liquidity Infrastructure.................................................................................................................. 138 4.10.5. Information Infrastructure and Transparency..................................................................... 139 4.10.6. Consumer Protection Architecture............................................................................................ 140 4.10.7. Human Capital & Knowledge Development Framework ................................................. 141 4.10.8. Summary and Conclusions............................................................................................................ 141 4.11. Turkey............................................................................................................................................................. 143 4.11.1. Legal Infrastructure ......................................................................................................................... 144 4.11.2. Financial System Regulation and Supervision Framework ............................................ 148 4.11.3. Shariah Governance Framework................................................................................................ 149