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Dzuljastri Bin Abdul Razak
Associate Professor

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Dzuljastri bin Abdul Razak obtained his Ph.D in Islamic Banking and Finance from University Science Malaysia (USM) in 2011. Prior to joining academia, he served the banking industry for 25 years. His Ph.D thesis won 4th placing in the National Inter-Varsity Best Thesis (Ph.D) in 2011. He has undertaken several research and consultancy projects with the industry. One which was amounting to RM 70,000 with a local bank on a??Customersa?? Perception on Gratuity Financing Schemea??. He is currently leading a research project on Abandoned Housing Project under FRGS. To date, he has published more ... show more

  • Ph.D in Islamic Banking & Finance - Doctor of Philosophy, Universiti Sains Malaysia (USM)
  • Diploma in Islamic Studies - Diploma, International Islamic University Malaysia
  • Master of Business Admin - Masters Degree, University of New Haven
  • Bachelor of Business Administration - Bachelor Degree, Universiti Teknologi MARA (UiTM)
  • Diploma in Business Studies - Diploma, Universiti Teknologi MARA (UiTM)
  • Economics, Business And Management ~ Economics, Business And Management ~ Finance ~ Wealth Management (Including Financial Planning, Asset Accumulation and Management) - Marketing of Islamic financial services
  • Economics, Business And Management ~ Economics, Business And Management ~ Operations Management ~ Commercial Services (Including of Electricity, Gas and Water Services and Utilities (e.g. Electricity Services and Utilities, Gas Services and Utilities, Public Services and Utilities, Water Services and Utilities) , Waste Management and Recycling (e.g. Recycling Waste Management), Wholesale and Retail Trade (e.g. E-Commerce, Farmer?s Market, Fruit Carnival, Hypermarket, Retail Trade, Wholesale Trade, M-Commerce, Virtual Services, E-Contents Sales), Finance, Property and Business Services (e.g. Accounting, Auditing, Banking, Commercial Investigation, Commercial Securities Services, Insurance Services, Investment Services, Islamic Financial Services, Land Administration and Development, Professional Services, Property Management), and Tourism (e.g. Agrotourism, Economics Tourism, Ecotourism, Health Tourism, Recreational Services, Socio-Cultural Issues, Tourism Infrastructural Development, Urban Tourism, E-Tourism, Geo-Tourism, Home Stay, Gerontourism, Food Tourism, Sports Tourist)) - Islamic wealth management
  • Economics, Business And Management ~ Economics, Business And Management ~ Islamic Finance ~ Islamic Banking - Islamic microfinance
  • 2005 - 2011 Certified member, Financial Planning Association of Malaysia (FPAM)
  • 2005 - 2011 Member, Institute of Bankers Malaysia
BANK MANAGEMENT 2003/2004 2004/2005 2005/2006 2006/2007 2007/2008 2008/2009 2009/2010 2010/2011 2011/2012 2012/2013 2013/2014 2018/2019 2019/2020
BANK MARKETING 2004/2005 2010/2011 2011/2012
BANK OPERATIONS AND MANAGEMENT 2019/2020
CONTEMPORARY ISSUES IN ISLAMIC FINANCE 2011/2012
CREDIT MANAGEMENT 2012/2013
FOUNDATION OF ISLAMIC FINANCE 2011/2012
ISLAMIC BANKING PRODUCTS AND SERVICES 2007/2008 2008/2009 2010/2011 2011/2012 2013/2014 2014/2015 2015/2016
ISLAMIC BANKING SYSTEM & OPERATIONS 2007/2008
ISLAMIC FINANCIAL PLANNING 2006/2007 2008/2009 2009/2010 2010/2011 2011/2012 2012/2013 2013/2014 2014/2015 2015/2016 2016/2017 2017/2018
ISLAMIC FINANCING MANAGEMENT 2013/2014
ISLAMIC WEALTH MANAGEMENT 2011/2012 2012/2013 2013/2014 2014/2015
MARKETING OF FINANCIAL SERVICES 2012/2013 2013/2014 2014/2015 2015/2016 2016/2017 2017/2018 2018/2019 2019/2020
MARKETING PRINCIPLES 2003/2004 2004/2005 2005/2006 2006/2007 2007/2008 2009/2010 2010/2011
SEMINAR IN ISLAMIC FINANCE & TAKAFUL 2005/2006
In Progress
2019 - Present Factors Contributing to Financial Literacy among MSMEs in Klang Valley
2018 - Present Examining The Behavioral Intention to Adopt The Affordable Islamic Public- Private Housing Cooperative Model (IPHCM)
2017 - Present Empirical Evidence of SMEs Using Islamic Financing - A Comparative Study for Malaysia and Indonesia
2015 - Present Formulating a Sustainable Model of Islamic Microfinance to Enhance Financial Inclusiveness towards an Equitable Society: an Appreciative Inquiry and Intelligence Approach
2014 - Present EPP7: Islamic Finance Education Cluster
Completed
2015 - 2018 Formulating a Sustainable Model of Islamic Microfinance to Enhance Financial Inclusiveness towards an Equitable Society: an Appreciative Inquiry and Intelligence Approach
2015 - 2018 Performance Evaluation Index for Islamic Banks Based on Maqasid Al-Shariah
2015 - 2018 Developing a Sustainable Model of a Waqf-Based Takaful for Flood Victims in Malaysia
2014 - 2018 EPP7: Islamic Finance Education Cluster
2013 - 2017 Developing an Islamic Financing Model for Abandoned Housing Projects
2013 - 2017 Islamic Tourism in Malaysia: The Involvement of Travel and Tour Business as a Stakeholder in Strategizing Travel Packages
2013 - 2016 Formulating New Model to Mitigate Access to Financing Problem Among SMEs in Malaysia
2013 - 2017 Islamic Finance and the Malaysian Economy: Developing a Model for Its Effective Growth and Meaningful Contribution to the Real Economy
2012 - 2015 Firms Rational Financing Behaviour: Malaysia Evidence
2012 - 2013 Towards an Application of Musharakah Mutanaqisah Principle in Islamic Microgfinance
2012 - 2016 A Conceptual Analysis on the Application of REITs in Developing Waqaf Land in Malaysia
2011 - 2012 Factors Influencing Personal Financial Planning And Investment Decision: Malaysian Scenario
2011 - 2013 Impact of Financial Crisis on Customer : An Islamic Perspective
2011 - 2014 Enhancing Service Quality of the Islamic Banking System in Malaysia: An Application of Quality Function Deployment (QFD) and Analytic Hierarchy Process (AHP)
2010 - 2013 Exploring The Need to Shift From Debt-Based to Equity-Based Financing in Islamic Banks: The Case of Malaysia and Bahrain
2007 - 2011 A Comparative Study of Islamic Home Financing : Applications of The bai-Bithaman Ajil(BBA)and Musharakah Mutaqanish models in Malaysia
16 April 2012 National Inter-Varsity Best Thesis (Ph.D) 2011 - 4th placing. Yayasan Nurul Taqeen by Y.A.B Tan Sri Dato' Haji Muhyiddin bin Haji Mohd Yassin - National level.
16 Disember 8 USM Post Graduate Research Competition. Universiti Sains Malaysia - University level.
26 Jun 8 Best Paper Award. International Islamic University Malaysia - University level.
20 April 6 Best Academic Paper. UITM- Islamic Development Bank - University level.
05 April 6 Competitive Paper. INCEIF - University level.
Article
2019 Halal tourism: definition, justification, and scopes towards sustainable development. International Journal of Business, Economics and Law , 18 (3) pp.23-31
2019 CSR disclosure and financial access: a case study of Pakistan. International Journal of Economics, Management and Accounting , 27 (1) pp.167-186
2018 Promoting a sharing economy in the Islamic finance industry: a study of selected OIC countries. International Journal of Islamic Economics and Finance , 1 (1) pp.59-76
2018 Factors influencing behaviour to participate in Islamic microfinance. International Journal of Islamic and Middle Eastern Finance and Management , 11 (1) pp.109-130
2018 Factors that determine customers acceptance of Ar Rahn financing in Selangor. Intenational Journal of Asian Social Science , x (xx-xx) pp.1-10
2018 Small Medium Enterprises (SMES) in Turkey and Malaysia a comparative discussion on issues and challenges. International Journal of Business Economics and Law , 15 (3) pp.1-10
2018 Factors influencing behaviour to participate in Islamic microfinance. International Journal of Islamic and Middle Eastern Finance and Management , 11 (1) pp.109-130
2018 Small medium enterprises (smes) in Turkey and Malaysia a comparative discussion on issues and challenges. International Journal of Business, Economics and Law , 15 (3) pp.1-10
2018 Islamic home financing practices in selected OIC countries: an assessment in the light of Maqasid al-Shariah. Journal of Islamic Management Studies , 1 (2) pp.1-11
2017 Developing outbound strategic Islamic tour packages of Malaysia: roles of gender and race. Advanced Science Letters , 23 (9) pp.8535-8540
2017 Consumer attitude and preference in the Islamic mortgage sector: a study of Malaysian consumers. Management Research Review , 40 (1) pp.95-115
2017 Measuring barriers to access financial services in East Java, Indonesia: A confirmatory factor analysis (CFA). International Journal of Business, Economics and Law , 12 (3 -Economics) pp.21-31
2016 Determinants of abandoned housing projects in Malaysia. International Jurnal of Islamic Business Ethics , 1 (1) pp.1-12
2016 Malaysian consumers’ willingness to choose Islamic mortgage products: An extension of the theory of interpersonal behaviour. International Journal of Bank Marketing , 34 (6) pp.868-884
2016 Application of cash waqf in the empowerment of widows in Malaysia. Journal of Advanced Management Science , 4 (3) pp.255-259
2016 Justice and nature of contract as determinants of abandoned housing projects. Labuan Bulletin of International Business & Finance , 14 pp.52-67
2016 Viability of musharakah as an alternative financing mode for small and medium enterprises: The Case of Klang Valley and Selangor, Malaysia. COMSATS Journal of Islamic Finance , 1 pp.19-28
2016 A survey analysis on abandoned housing projects in Malaysia. The house buyers’ perspectives. Journal of Global Business and Social Entrepreneurship (GBSE) , 1 (1) pp.104-109
2016 A survey analysis on abandoned housing projects in Malaysia: the house buyers’ perspectives. Journal of Global Business and Social Entrepreneurship (GBSE) , 1 (1) pp.104-109
2016 A study on sources of Waqf funds for higher education in selected countries. ADAM Akademi , 6 (1) pp.113-128
2016 Home buyers’ perception on abandoned housing projects in Malaysia. International Journal of Business, Economics and Law , 9 (1) pp.24-32
2015 An analytical framework to examine shari’ah-compliant mortgage financing by financial cooperatives in Malaysia. Journal of Islamic Finance , 4 (2) pp.018-030
2015 Abandoned housing projects in Malaysia and the prospect of DP: an overview. Procedia Economics and Finance , 31 pp.813-822
2015 Identifying the gaps between customer expectations and perceptions on service quality dimensions of Islamic banks in Malaysia . International Journal of Quality and Service Sciences , 7 (4) pp.424-441
2015 Relative efficiency of plantation companies in Malaysia: a financial ratio-based data envelopment analysis approach. South East Asia Journal of Contemporary Business, Economics and Law , 6 (1) pp.25-33
2015 Exploring application of equity-based financing through musharakah mutanaqisah in Islamic Banks in Malaysia: perspective from the industry players. International Journal of Economics, Management and Accounting , 23 (2) pp.241-261
2014 Willingness to be a partner in musharakah mutanaqisah home financing: empirical investigation of psychological factors = Kesediaan menjadi rakan dalam pembiayaan rumah musharakah mutanaqisah: kajian empirikal faktor-faktor psikologi. Jurnal Pengurusan , 40 pp.69-81
2014 Stock market screening: An analogical study on conventional and shariah-compliant stock markets. Asian Social Science , 10 (22) pp.270-279
2014 The perception of micro-entrepreneurs and petty traders on conventional and Islamic microfinance: a case study of Pakistan. Journal of Islamic Finance , 3 (1) pp.38-48
2014 Consumer acceptance of Islamic home financing. International Journal of Housing Markets and Analysis , 7 (3) pp.307-332
2013 Exploring factors influencing financial planning after retirement: structural equation modeling approach. American Journal of Applied Sciences , 10 (3) pp.270-279
2013 Issues and challenges facing Islamic financial institutions in Malaysia. Pertanika Journal of Social Science & Humanities , 21 (3) pp.965-977
2013 Towards an application of musharakah mutanaqisah principle in Islamic microfinance. International Journal of Business and Society , 14 (2) pp.212-223
2013 An integrative approach for understanding Islamic home financing adoption in Malaysia. International Journal of Bank Marketing , 31 (7) pp.544-573
2013 Application of Musharakah Mutanaqisah Home Financing as an alternative to traditional debt financing: lessons learned from the U.S. 2007 subprime crisis. Journal of Islamic Economics, Banking and Finance , 9 (3) pp.1-16
2013 Theory of Islamic consumer behaviour : an empirical study of consumer behaviour of Islamic mortgage in Malaysia. Journal of Islamic Marketing , 5 (2) pp.273-301
2011 Diminishing partnership: bankers strategic response to Shariah compliant home financing . IIUM Journal of Economics and Management , Suppl. (19) pp.177-196
2011 Consumers' perception on Islamic home financing: empirical evidences on Bai Bithaman Ajil(BBA) and diminishing partnership (DP) modes of financing in Malaysia. Journal of Islamic Marketing , 2 (2) pp.165-176
2009 Review of current practices of Islamic microcredit and microfinancing in selected Muslim countries. The Global Journal of Finance and Economics , 6 (1) pp.73-92
2009 Alternative mode to Islamic home financing. The Malaysian Reserve pp.32-32
2008 Factors influencing intention to use diminishing partnership home financing. International Journal of Islamic and Middle Eastern Finance and Management , 1 (3) pp.235-248
2005 Islamic home financing through Musharakah Mutanaqisah and al-Bay’ Bithaman Ajil contracts: a comparative analysis . Review of Islamic Economics , 9 (2) pp.5-30

Conference or Workshop Item

2019 Issues and challenges in achievement of sustainable development goals for microfinance. In: 4th Global Forum on Islamic Economics, Finance and Banking (IEFB) 2019
2019 Islamic banking adoption in Ghana. In: The 19th Kuala Lumpur International Business, Economics and Law Conference 2019 (KLibel 2019)
2019 Zakat, infaq, sadaqa, waqf, and qardhul Hassan in alleviating poverty for micro enterprises: a case of Baitul Maal wat tamwil in Indonesia. In: 2nd International Waqf Institution Symposium
2018 Small Medium Enterprises (SMES) in turkey and Malaysia a comparative discussion on issues and challenges. In: 15th Kuala Lumpur International Business Economics and Law Conference 2018 (KLIBEL 15)
2018 Relationship between service quality and customer satisfaction : an empirical study of Islamic Banks in Malaysia. In: 6th ASEAN Universities International Conference in Islamic Finance
2018 Promoting a sharing economy in the Islamic finance industry: A study of selected OIC countries. In: 6th Gliobal Forum On Islamic Finance (GFIF 2018)
2018 Factors that determine customers acceptance of Ar Rahn financing in Selangor. In: The 1st International Conference Of World Academy Of Islamic Management 2018
2018 Factors influencing intention to use Islamic credit cards in Malaysia. In: 2nd UUM Islamic Business Management Conference
2018 Factors that determine donors intention to endow cash waqf for microenterprises in Malaysia. In: 1st International Waqf Institution Symposium 2018
2017 The interaction effect of trust towards profit and loss sharing element in Musharakah financing for SMES. In: 5th Global Forum on Islamic Finance (GFIF)
2017 Factors that determine parents’ awareness on the use of cash waqf for educational assistance in Malaysia. In: 4th International Islamic Economics and Finance Congress 2017 (IEFC)
2017 Involvement of Islamic attributes in Shariah-compliant hospitality: a study on Muslim students in Malaysia. In: ASIA International Multidisciplinary Conference (AIMC 2017)
2017 Roles of gender, race and years of operations in developing outbound strategic Islamic tour packages of Malaysia. In: 5th Global Conference on Business and Social Sciences on Contemporary Issues in Management and Social Sciences Research-CIMSSR-2017
2017 Measuring barriers to access financial services in east java, Indonesia: a Confirmatory Factor Analysis (CFA). In: Kuala Lumpur International Business, Economics and Law Conference (KLIBEL 9)
2017 Determinant of criminal activities by some Nigerians residing in Malaysia: A socio-economic perspective. In: 4th International Conference on Law & Society (ICLAS IV) 2015
2016 Perception of stakeholders on abandoned housing projects: case for Malaysia. In: National Seminar On Abandoned Housing Projects: Causes Solutions
2016 Home buyers’ perception on abandoned housing projects in Malaysia. In: Kuala Lumpur International Business, Economics and Law Conference (KLIBEL 9)
2016 A study on sources of Waqf funds for higher education in selected countries. In: International Joint Conference on Islamic Economics and Finance (IJCIEF)
2016 Viability of musharakah as an alternative financing mode for small and medium enterprises: The cases of Klang Valley and Selangor, Malaysia. In: 4th Global Forum on Islamic Finance : Value Creation and Impact
2016 Affordable Islamic home financing in Malaysia: a potential synergistic venture between financial cooperatives and cash-waqf institutions. In: 11th International Conferance on Islamic Economics and Finance (ICIEF 2016)
2015 Determinant of criminal activities by some Nigerians residing in Malaysia: a socio-economic perspective. In: 4th International Conference on Law & Society (ICLAS IV) 2015
2015 Abandoned housing projects in Malaysia and the prospect of diminishing partnership: an overview. In: The IVth International Accounting and Business Conference (IABC) 2015
2015 A survey analysis on abandoned housing projects in Malaysia. The house buyers’ perspectives. In: International Conference on Global Business & Social Entrepreneurship (ICoGBSE2015)
2015 Determinants of the factors that cause abandoned housing projects: a study of human buyers of Islamic home financing in Malaysia. In: ASEAN International Conference on Islamic Finance (AICIF 2015)
2015 Relative efficiency of plantation companies in Malaysia: a financial ratio-based data envelopment analysis approach. In: Kuala Lumpur International Business, Economics and Law Conference
2015 Justice and nature of contract as determinant of abandoned housing project. In: International Conference on Contemporary Issues in Accounting and Finance 2015 (CoCIAF 2015)
2015 Evaluation on usage of Islamic financing contracts in Malaysia: A comparative study of Bank Islam and Bank Muamalat . In: IIUM International Accounting Conference (INTAC) VI
2014 Who is eligible to obtain micro financing from Islamic banks?a case study of Pakistan?. In: 2nd Asean International Conference on Islamic Finance
2014 Factors influencing the customers' selection towards diminishing partnership home financing: an empirical study . In: Islamic Business Management Conference (IBMC 2014)
2014 An analytical framework to examine shari'ah-compliant mortgage financing by cooperative financial institutions in Malaysia. In: 2nd Asean International Conference on Islamic Finance
2014 Small business financial growth: from theoretical perspective. In: 5th Asia-Pacific Business Research Conference
2014 Impact of financial crisis on the Islamic banks’ customers: a case of Malaysia. In: 5th Global Islamic Marketing Conference
2014 Exploring the role of religious motivation towards tourist satisfaction: a proposed Islamic tourism model from a Malaysian perspective. In: The 2nd International Conference on Management and Technology in Knowledge, Service, Tourism & Hospitality 2014 (SERVE 2014)
2013 Needs and Wants Theory: A comparison between Maslow’s Hierarchy of Needs and Maqasid al Shariah. In: The 10th Asian Academy of Management
2013 Maqasid al-shariah and Islamic religious satisfation: an empirical study of consumer behaviour of Islamic mortgage in Malaysia. In: The 2nd International Conference on Islamic Economics & Economies of OIC Countries
2013 Exploring the need to shift from debt-based to equity-based financing in Islamic banks: the case of Malaysia . In: International Conference on Islamic Finance Muamalat and Financial Criminology (IFMFC)
2013 The perceptions of bankers and regulators on Islamic microfinance: A case study of Pakistan. In: 2nd International Conference on Islamic Economics and Economies of the OIC Countries
2013 Customers’ attitude upon diminishing partnership home financing in Islamic banking.. In: IIUM Research, Invention and Innovation Exhibition (IRIIE) 2013
2013 Islamic microfinance practices and challenges in Malaysia and Palestine. In: 15th Malaysian Finance Association (MFA) Conference 2013
2012 Application of musharakah mutanaqisah home financing as an alternative to traditional debt financing : lessons learned from the U.S. 2007 sub-prime crisis. In: 14th Malaysian Finance Association Conference 2012, ‘Emerging Markets and Financial Resilience : Decoupling Growth from Turbulence
2012 Islamic microfinance as an alternative to conventional financing practices : The need to address the poverty in Pakistan . In: International Conference On Islamic Economics and Business (ICIEB 2012)
2012 Sukuk, bond market development and target capital structure : selected Southeast Asian Countries. In: International Islamic Accounting and Finance Conference
2012 The perception of micro-entrepreneurs and petty traders towards conventional and Islamic microfinance : a case study of Pakistan . In: Islamic Finance in a Challenging Economy : Moving Forward
2012 The impact of macroeconomic variables on the Indonesian stock market volatility: conventional vis-a-vis Islamic stock market . In: International Conference On Islamic Capital Markets
2011 Global financial crises: an exploratory conceptual survey of selected literatures from an Islamic perspective. In: IIUM International Accounting Conference V (INTAC V)
2011 Towards an application of Musharakah Mutanaqisah principle in Islamic microfinance . In: International Islamic Finance & Business Symposium and Halal Carnival 2011
2010 Customers’ attitude and purchase intention toward diminishing partnership home financing in Malaysia: a structural equation modeling approach . In: 1st International Conference On Islamic Marketing and Branding. Exploring Issues and Challenges
2010 Diminishing partnership: bankers strategic response to Shariah compliance home financing . In: International Conference on Marketing (ic-MAR 2010)
2009 Consumers’ perception on Islamic home financing: empirical evidences on Bai Bithaman Ajil (BBA) and diminishing partnership (DP) in Malaysia. In: The 8th Asian Academy of Management International Conference
2009 Diminishing partnership home financing concept as an alternative to Bai Bithaman Ajil (BBA): empirical evidences from the perceptions of Shariah scholars and bankers . In: The 3rd ISDEV International Islamic Development Management Conference(IDMAC 2009)
2008 The Performance Measures of Islamic Banking Based on the Maqasid Framework . In: IIUM International Accounting Conference IV (INTAC IV)
2008 Consumers’ acceptance on Islamic home financing: empirical evidence on Bai Bithaman Ajil (BBA) in Malaysia. In: IIUM International Accounting Conference IV (INTAC IV)
2007 Home Financing through the Musharakah Mutanaqisah Contracts: Some Practical Issues . In: 5th International Islamic Banking Conference Islamic Finance
2006 Musharakah Mutanaqisah and Al-Bay’ Bithaman Ajil Contracts as means for homeownership: a conceptual comparison . In: Young Scholars Conference
2005 Islamic Home Financing through Musharakah Mutanaqisah and al-Bay’ Bithaman Ajil Contracts: A Comparative Analysis . In: 3rd International Islamic Banking and Finance Conference

Book

Book Section

2013 The perceptions of Islamic bankers, regulators and shari’ah scholars on Islamic microfinance; a case study of Pakistan. In: Islamic transaction and finance: principles and developments The Malaysian Current Law Sdn. Bhd. (MCLJ) & International Institute of Advanced Islamic Studies (IAIS) . ISBN 9789670379326 , pp.397-412
2011 Global financial crises: an exploratory conceptual survey of selected literatures from an Islamic perspective. In: Islam, accounting and finance: challenges and opportunities in the new decade IIUM Press . ISBN 9789670225463 , pp.60-70
2009 Home financing through Musharakah Mutanaqisah contract: some practical issues. In: IIiBF Series in Islamic Banking and Finance: 1 IIUM Institute of Islamic Banking and Finance . ISBN 9789834456801 , pp.91-124
2009 Review of current practices and development of Islamic micro credit and micro financing. In: Proceedings of the Seminar on Research Findings 2008 IIUM Press . ISBN 9789833855780 , pp.247-264
2009 Islamic home financing through Musharakah Mutanaqisah and al-Bay' bi-Thaman Ajil contracts: a comparative analysis. In: Real money: Money and Payment systems from an Islamic perspective IIUM Press . ISBN 9789673855766 , pp.285-318
2009 The Musharakah Mutanaqisah contract: some practical issues. In: Real money: Money and Payment systems from an Islamic perspective IIUM Press . ISBN 9789673855766 , pp.319-343