Al-Khubara' : Directory of Expert

ACADEMIC QUALIFICATIONS

PhD in Finance And Banking (2015)
Master in Business Administration (2000)
Bachelor in Business Administration (1997)

EXPERTISE

Islamic Finance
Islamic Social Finance
Islamic Capital Market

Resume Curriculum Vitae

Scopus H-Index : 1

PROF. MADYA DR. NORHAZIAH BINTI NAWAI

PENSYARAH UNIVERSITI DS14

Faculty

Fakulti Ekonomi Dan Muamalat

Usim Expert: https://iinova-registration.usim.edu.my/norhaziahn

Phone: 067986440

E-mail: norhaziahn@usim.edu.my

RESEARCHER ID

Orcid ID Google Scholar

1. FAKTOR-FAKTOR YANG MEMPENGARUHI PERANCANGAN PERSARAAN DI KALANGAN INDIVIDU BERUMUR 50 TAHUN KE ATAS DI MALAYSIA

2025 BIDUNI MIZANNIYAH ON GOING MAIN RESEARCHER
2. INOVASI DALAM PENYUSUNAN DAN PENDIGITALAN ARTIKEL PROSIDING IBAF

2024 GERAN PENYELIDIKAN PUSAT TANGGUNGJAWAB (PTJ) ON GOING MAIN RESEARCHER
3. FACTORS AFFECTING SUKUK RATING AND YIELD: TOWARDS MAQASID SHARIAH APPROACH ON CORPORATE SUKUK STRUCTURES IN MALAYSIA AND INDONESIA

2024 GERAN SEPADAN ANTARABANGSA ON GOING CO-RESEARCHER
4. MEASURING ISLAMIC FINANCIAL LITERACY AMONG EARLY ADULTS: A FIELD STUDY IN UNIVERSITI SAINS ISLAM MALAYSIA

2023 BIDUNI MIZANNIYAH ON GOING MAIN RESEARCHER
5. FINANCIAL LITERACY E-MODUL DEVELOPMENT FOR MICRO BUSINESSES ENTREPRENEUR: FROM FINANCIAL INCLUSION TO SOCIAL INCLUSION

2021 GERAN PENYELIDIKAN FLAGSHIP COMPLETED CO-RESEARCHER

Research Progress Type of Grant

Completed: 17 (81%)

Ongoing: 4 (19%)

Al-Khubara' : Directory of Expert

ACADEMIC QUALIFICATIONS

EXPERTISE

Scopus H-Index : 1

PROF. MADYA DR. NORHAZIAH BINTI NAWAI

1. FAKTOR-FAKTOR YANG MEMPENGARUHI PERANCANGAN PERSARAAN DI KALANGAN INDIVIDU BERUMUR 50 TAHUN KE ATAS DI MALAYSIA

2. INOVASI DALAM PENYUSUNAN DAN PENDIGITALAN ARTIKEL PROSIDING IBAF

3. FACTORS AFFECTING SUKUK RATING AND YIELD: TOWARDS MAQASID SHARIAH APPROACH ON CORPORATE SUKUK STRUCTURES IN MALAYSIA AND INDONESIA

4. MEASURING ISLAMIC FINANCIAL LITERACY AMONG EARLY ADULTS: A FIELD STUDY IN UNIVERSITI SAINS ISLAM MALAYSIA

5. FINANCIAL LITERACY E-MODUL DEVELOPMENT FOR MICRO BUSINESSES ENTREPRENEUR: FROM FINANCIAL INCLUSION TO SOCIAL INCLUSION

21. LOAN REPAYMENT PROBLEMS IN MICROFINANCE PROGRAMS THAT USE INDIVIDUAL LENDING APPROACH: A QUALITATIVE ANALYSIS

JOURNAL OF TRANSFORMATIVE ENTREPRENEURSHIP

22. FACTORS AFFECTING REPAYMENT PERFORMANCE IN MICROFINANCE PROGRAMS IN MALAYSIA

PROCEDIA - SOCIAL AND BEHAVIORAL SCIENCES

23. THE IMPORTANCE OF MICRO FINANCING TO THE MICROENTERPRISES DEVELOPMENT IN MALAYSIA�S EXPERIENCE

ASIAN SOCIAL SCIENCE

24. FINANCING THE DEVELOPMENT OF WAQF PROPERTY: THE EXPERIENCE OF MALAYSIA AND SINGAPORE

THE JOURNAL OF MUAMALAT AND ISLAMIC FINANCE RESEARCH

25. DETERMINANTS OF REPAYMENT PERFORMANCE IN MICROCREDIT PROGRAM: A REVIEW OF LITERATURE

INTERNATIONAL JOURNAL OF BUSINESS AND SOCIAL SCIEN

1. FACTORS INFLUENCING THE ADOPTION OF BUY NOW PAY LATER (BNPL) AMONG GEN Z CONSUMERS

3RD KARATAY INTERNATIONAL CONFERENCE ON ISLAMIC ECONOMICS AND FINANCE (KARCIEF 2025)

2. FINTECH AND ISLAMIC CAPITAL MARKET: THE OPPORTUNITIES AND CHALLENGES

INTERNATIONAL SEMINAR ON ISLAM AND SCIENCE (SAIS 2025)

3. COMPARATIVE ANALYSIS OF SUKUK STRUCTURES, RATINGS AND YIELDS: EVIDENCE FROM MALAYSIA AND INDONESIA

THE 11TH INTERNATIONAL ISLAMIC ECONOMICS SYSTEM CONFERENCE(I-IECONS) 2025

4. DIGITAL FINANCIAL INCLUSION: A PATHWAY TO POVERTY ALLEVIATION IN DEVELOPING COUNTRIES

10TH INTERNATIONAL CONFERENCE OF ISLAMIC ECONOMICS AND BUSINESS (ICONIES) 2024

5. FACTORS INFLUENCING THE ADOPTION OF DIGITAL FINANCE AMONG MICROENTREPRENEURS

THE 11TH ISLAMIC BANKING, ACCOUNTING & FINANCE INTERNATIONAL CONFERENCE (IBAF 2024)

1. HUTANG BAIK HUTANG JAHAT

PANDUAN AMALAN UNTUK PEMERKASAAN INDUSTRI MAKANAN MIKRO

2. ASAS KEWANGAN PERNIAGAAN

PANDUAN AMALAN UNTUK PEMERKASAAN INDUSTRI MAKANAN MIKRO

3. PENGENALAN TERHADAP PERISIAN PERAKAUNAN

PANDUAN AMALAN UNTUK PEMERKASAAN INDUSTRI MAKANAN MIKRO

4. THE IMPLEMENTATION OF ISLAMIC MICROFINANCING FOR POVERTY ERADICATION IN MALAYSIA

RECOVERING ECONOMY: NEW NORMS, CHALLENGES AND PHILANTHROPY IN THE POST-PANDEMIC ERA

5. SOCIAL PERFORMANCE IN MICROFINANCE PROGRAMMES: A REVIEW OF LITERATURE

ISLAMIC BANKING AND FINANCE: PROSPECTS, RISKS, AND CHALLENGES IN FINTECH ERA

1. LITERASI KEWANGAN UNTUK USAHAWAN PERNIAGAAN MIKRO: DARI INKLUSIF KEWANGAN KEPADA INKLUSIF SOSIAL

2. ISLAMIC BANKING AND FINANCE: PROSPECTS, RISKS AND CHALLENGES IN FINTECH ERA

3. E-PROCEEDINGS OF THE 10TH ISLAMIC BANKING, ACCOUNTING, AND FINANCE INTERNATIONAL CONFERENCE 2022 (IBAF2022)

4. E-PROCEEDINGS THE 10TH ISLAMIC BANKING, ACCOUNTING AND FINANCE INTERNATIONAL CONFERENCE 2022 (IBAF2022): FUTURE-PROOFING FOR BUSINESS EXCELLENCE THROUGH ISLAMIC BANKING, ACCOUNTING AND FINANCE

5. ISLAMIC BANKING AND CONVENTIONAL BANKING: A COMPARATIVE APPROACH

1. INDEKS SHARIAH MALAYSIA 2015

1. MUHAMMAD HELMI BIN MUHAMMAD ASRI

DEVELOPING FINTECH ADOPTION MODEL FOR ISLAMIC SOCIAL ENTERPRISE (ISE) IN MALAYSIA

2. TUTY BINTI KAMIS

FACTOR AFFECTING CONSUMERS'' ELECTRONIC PAYMENT BEHAVIOR

3. ALI H. I. ALJADBA

THE IMPACT OF CORPORATE GOVERNANCE CHARACTERISTICS ON EARNINGS MANAGEMENT IN PALESTINE: THE MODERATING EFFECTS OF POLITICAL INSTABILITY

4. NUR ATIKA BINTI ATAN

COPING STRATEGIES DUE TO THE ECONOMIC HARDSHIP AND ITS EFFECT ON THE WELL-BEING OF THE POOR: STUDIES

5. ROSE RUZIANA BINTI SAMAD

1. KHIDMAT KEPAKARAN BAGI KAJIAN IMPAK 8 AMANAH IKHTIAR MALAYSIA 2024-2026

AMANAH IKHTIAR MALAYSIA

2. PROGRAM PENJANA KEMENTERIAN PENGAJIAN TINGGI - PENSIJILAN PROFESIONAL (KPT-PACE)

KEMENTERIAN PENGAJIAN TINGGI

3. PROGRAM PENJANA KEMENTERIAN PANGAJIAN TINGGI - PENSIJILAN PROFESIONAL (KPT-PACE)

KEMENTERIAN PENGAJIAN TINGGI

4. AWARD OF YAYASAN HASANAH SPECIAL GRANT (HSG) 2021

YAYASAN HASANAH

5. PROGRAM PEMERKASAAN USAHAWAN MIKRO IBU TUNGGAL B40 MELALUI LATIHAN DAN PEMANTAUAN ATAS TALIAN

YAYASAN HASANAH

1. Module Dakwah Muamalat For Trainer

2. Module Dakwah Muamalat For Trainee

3. E-Module Literasi Kewangan untuk Usahawan Perniagaan Mikro

1. ACADEMIC ADVISOR

UNIVERSITI ISLAM SELANGOR

2. ACADEMIC ADVISOR

UNIVERSITI ISLAM SELANGOR

3. ACADEMIC ADVISOR

UNIVERSITI ISLAM SELANGOR (UIS)

4. ACADEMIC ADVISOR

KPJ HEALTHCARE UNIVERSITY (KPJU)

5. ACADEMIC ADVISOR

KPJ HEALTHCARE UNIVERSITY COLLEGE

1. CREATING SUSTAINABLE LIVELIHOOD OPPORTUNITIES FOR THE B10 COMMUNITIES THROUGH ISLAMIC MICROFINANCE PRODUCTS AND SERVICES - A STUDY IN BALING AND SIK KEDAH

RESEARCH SEMINAR UNIVERSITI SAINS ISLAM MALAYSIA