Staff Directory


Auwal Adam Sa'ad

Academic Qualifications

  • DOCTOR OF PHILOSOPHY (LAW) - Doctor of Philosophy, International Islamic University Malaysia
  • MASTER OF COMPARATIVE LAWS - Masters Degree, International Islamic University Malaysia
  • BACHELOR OF SHARI'AH LAW - Bachelor Degree, Islamic University of Medina

Auwal Adam Sa'ad (Assoc. Prof. Dr.)

Associate Professor
IIUM Gombak Campus

INSTITUTE OF ISLAMIC BANKING AND FINANCE

Other's position:

Coordinator, Institute of Islamic Banking and Finance

auwal@iium.edu.my
4654


Area of Specialisation


  • Economics, Business And Management ~ Economics, Business And Management ~ Islamic Finance ~ Islamic Risk Management - Sukuk and Islamic Capital Markets
  • Social Science ~ Social Science ~ Syariah Law ~ Islamic Law of Transaction - Islamic Banking and Finance "Shari'ah and Regulatory Aspect"
  • Social Science ~ Social Science ~ Syariah Law ~ Islamic Banking Law - Islamic Banking and Finance
  • Economics, Business And Management ~ Economics, Business And Management ~ Islamic Finance ~ Islamic Corporate Governance - Islamic Fintech


Teaching Responsibilities


AKHLAQIYYAT WA HAWKAMAH AL-MUSSASAT AL-MALIYYAH AL-ISLAMIYYAH 2024/2025 2023/2024
AL-IQTISAD AL-ISLAMI 2024/2025 2023/2024 2022/2023
AL-ITAR AL-TASHRII WA AL-QADAYA FI AL-MASRAFIYYAH WA AL-MALIYYAH AL-ISLAMIYYAH 2024/2025
AL-MAL WA AL-BUNUK 2023/2024
AL-QANUN AL-TIJARI AL-ISLAMI 2024/2025
FINTECH FOR ISLAMIC FINANCE 2024/2025 2023/2024
ISLAMIC CAPITAL MARKET 2023/2024
LEGAL FRAMEWORK AND ISSUES IN ISLAMIC BANKING AND FINANCE 2022/2023
SUQ RAS AL-MAL AL-ISLAMI 2024/2025 2023/2024


Supervision


Developing Islamic P2p Financing Framework As An Alternative To Nmsme Funding In Nigeria.
Ph.D Completed 2025 Main Supervisor
Integrated Cash Waqf House Financing In Jakarta Province: Proposed Model And Theory Of Planned Behaviour Application.
Ph.D Completed 2024 Main Supervisor
Developing Qard Financing As A Socially Responsible Instrument: A Study Of Selected Islamic Banks.
Ph.D Completed 2024 Main Supervisor
Investigating Clients' Behavioral Intention Towards The Acceptance Of Islamic Microfinance Products And Services In Bangladesh.
Ph.D Completed 2024 Main Supervisor
الحوكمة ودورها في إعادة هيكلة الرقابة الشرعية وأهمية تطبيقها في المصارف الإسلامية: بيت التمويل الكويتي نموذج ا.
The Role Of Governance In Restructuring Shari'Ah Supervision In Kuwaiti Islamic Banks: The Case Of Kuwait Finance House.
Ph.D Completed 2022 Main Supervisor
Developing A Waqf-Fintech Integrated Model For Funding Paddy Farming Sector In Malaysia.
Ph.D Completed 2022 Co-supervisor
Risk-Based Supervisory Framework For Islamic Banks: A Case Study Of Nigeria.
Ph.D Completed 2022 Co-supervisor
The Application Of Artificial Neural Networks For Shariah Decision-Making In Digital Banking.
Ph.D In Progress Main Supervisor
Developing A Shariah Compliant Real Estate Investment Model Through Security Token Offerings (Stos) In The Canadian Market: Integration Compliance And Implementation Framework.
Ph.D In Progress Main Supervisor
Bitcoin: A Critical Analysis From The Perspective Of The SharĩʻAh (Tba).
Ph.D In Progress Main Supervisor
Regulatory Framework Of Regulatory Technology ("Regtech") In Managing Compliance Risk Of Islamic Banking Business In Malaysia.
Ph.D In Progress Main Supervisor
تحديات تطبيق التدقيق الشرعي الداخلي في البنوكالإسلامية الأردنية.
Challenges Of Implementing Internal Shariah Audit In Jordanian Islamic Banks.
Ph.D In Progress Main Supervisor
Exploring The Potential Of Islamic Reits As An Effective Instrument In The Development Of The Nigerian Health Care Sector.
Ph.D In Progress Main Supervisor
DETERMINANTS OF CUSTOMERSATISFACTION TOWARDS FINANCIALTECHNOLOGY IN THE KINGDOM OF SAUDI ARABIA FROM AN ISLAMIC PERSPECTIVE APPLIED STUDY.
As Follows.
Ph.D In Progress Main Supervisor
Developing An L2 Distributed Ledger Technology Operational Model For Awqaf Linked Digital Assets In The Context Of Islamic Capital Market.
Ph.D In Progress Main Supervisor
Sustainability Of Takaful Industry In Nigeria.
Ph.D In Progress Co-supervisor
The Perspective Of Security And Assurance On E-Money Practice Among Customers And Fintech Companies: A Proposed Alternative Model .
Ph.D In Progress Co-supervisor
Profitability Of The Palestinian Islamic Banks Before And After Pandemic: A Comparative Assessment.
Master Completed 2023 Main Supervisor
Blockchain Based Sukuk And Its Potential For Green Finances And Socially Responsible Investment In The State Of Turkey.
Master Completed 2022 Main Supervisor
Analysis On Sukuk Liquidity Of Project Based Sukuk: A Case Study Of Indonesian Government Sukuk.
Master Completed 2022 Main Supervisor
Regulatory Frame Work Of The Palestinian Islamic Banks.
Master Completed 2022 Main Supervisor
Shari'Ah Issues And Challenges On Sukuk Tradability:The Case Of Murabahah And Ijarah Sukuk Structures.
Master Completed 2022 Main Supervisor
منتجات ادارة السيولة للبنوك الاسلامية في فلسطين، دراسة تحليلية.
Islamic Liquidity Management’ Products For Palestinian Islamic Financial Institutions: An Analitical Study.
Master Completed 2022 Main Supervisor
The Prospect Of Waqf Sukuk Structure To Support Charitable Projects In The Kingdom Of Saudi Arabia..
Master Completed 2021 Main Supervisor
Developing Robo-Advisory Framework For Islamic Wealth Management.
Master Completed 2021 Main Supervisor


Research Projects


Completed
2022 - 2023 Metaverse Technology for Islamic Financial Institutions
2022 - 2022 Shari?ah Issues on Sukuk Ownership: The Investor Perspective
2022 - 2024 Cryptocurrencies from Islamic Perspectives: Systematic Literature Review
On-Going
2024 - Present The Use of Artificial Intelligence in Shari'ah and Islamic Finance Research
2019 - Present Smart Sukuk Structure Using the Blockchain Technology (UM REGTECH)


Publications


Articles

2024 Exploring the potential of artificial neural network in sharīʿah decision-making for digital banking: a literature review. TAFHIM: IKIM Journal of Islam and the Contemporary World, 17 (2) pp. 105-130
2024 Impact of high-performance practices on financial and non-financial performance of organizations: the moderating role of employee productivity. Journal of Management World 2024, 3 () pp. 97-109
2024 Regulating Islamic P2P financing in Nigeria: a case for a compliance framework. Alqanatir: International Journal of Islamic Studies, 33 (6) pp. 269-276
2024 Selected issues in the use of RegTech in the Islamic and conventional financial markets. Journal of Islamic Accounting and Business Research, 15 (5) pp. 1-16
2024 The determinants of banks' capital structure in SAARC economies. Edelweiss Applied Science and Technology, 8 (4) pp. 417-433
2024 The determinants of Shariah banks’ capital structure. International Journal of Economics and Financial Issues, 14 (5) pp. 193-202
2024 What explain capital structure determinants choices of Shariah firms?. Journal of Asian Scientific Research, 14 (1) pp. 110-125
2024 أثر الهيكل المالي على الأداء المالي للبنوك الإسلامية الأردنية = The impact of the financial structure on the financial performance of Jordanian Islamic banks. Al-Qanatir International Journal of Islamic Studies, 33 (4) pp. 222-246
2024 الأمر المطلق يقتضي الوجوب وأثره الفقهي عند الإمام البغوي = An absolute command implies obligation and its jurisprudential impact according to Imam Al-Baghawi. Journal of Arabic and Islamic Studies (JJAIS), 7 (1) pp. 215-232
2024 دور منصات التمويل الْماعي الإسلامي في تمويل الشركات الصغيرة والمتوسطة في المملكة العربية السعودية = The role of Islamic crowdfunding platforms in financing SMEs in the Kingdom of Saudi Arabia. Journal of Arabic and Islamic Studies (JJAIS), 7 (1) pp. 310-328
2023 Analysis of Umer Chapra thought on Islamic monetary instruments in Indonesia: a vector autoregressive (VAR) and vector error correction model (VECM) approach. Albukhary Social Business Journal, 4 (1) pp. 65-83
2023 Are shariah and non-shariah firms’ capital structure determinants and financial performance related? Evidence from Malaysia. Asian Journal of Economic Modelling, 11 (3) pp. 149-164
2023 Empowering farmers' independence and boosting local economy through regenerative farming and Islamic contracts in Goa Village, West Sumbawa. FiTUA: Jurnal Studi Islam, 4 (2) pp. 146-159
2023 Inspecting sector-specific capital structure determinants: the case of Malaysian Shariah firms. International Journal of Applied Economics, Finance and Accounting, 17 (2) pp. 402-414
2023 Selected issues in the use of RegTech in the Islamic and conventional financial markets. Journal of Islamic Accounting and Business Research, () pp.
2023 The metaverse and Islamic financial contracts: the case of Ijarah. F1000Research, 12 () pp. 1-13
2023 أثر الأوبئة في تغيّر الفتاوى الخاصة بالعبادات: جائحة كورونا نموذجًا The Impact of Infectious Diseases on Affecting the Original Fatwas on Worship: The Case of COVID-19 Pandemic. At Tajdid, 27 (53) pp. 173-197
2023 تطوير هيكل الصكوك الذكية الخضراء باستخدام تقنية بلوكتشين = Developing smart Green Sukuk structure using blockchain technology. مجلة ريادة الاعمال الاسلامية, 8 (2) pp. 68-76
2022 Diplomacy and the birth of Islamic finance as an alternative financing source for the Global South.. International Journal of Academic Research in Business & Social Sciences, 12 (8) pp. 1181-1197
2022 Islamic smart city innovation, concept, application and Shari’ah parameters: a theoretical assessment and technological advancement in artificial intelligence. Global Journal of Researches in Engineering: J General Engineering, 22 (1) pp.
2022 Perceptions of undergraduate pharmacy students towards online assessments used during the COVID-19 pandemic in a public university in Malaysia.. Pharmacy Education, 22 (1) pp. 191-198
2022 Shariah and the international treaties on commercial dispute settlements: an appraisal. Journal of Shariah Law Research (JSLR), 7 (1) pp. 1-20
2022 Sukuk structure for deficit financing during Covid-19 crisis. Economic Studies Journal, () pp.
2022 The role of artificial intelligence technologies in expediting financial inclusion: the case of selected African countries. Journal of Islamic Finance, 11 (2) pp. 138-148
2022 Trust enhancement in Zakat Institutions using Blockchain Technology: a qualitative approach. European Journal of Islamic Finance, 9 (1) pp. 31-36
2022 تصفية الشركات وإفلاسها في ماليزيا: دراسة قانونية. مجلة الوطن القرية, 9 June 2022 () pp. 14-14
2021 Exploring sustainability from the Islamic finance perspective. European Journal of Islamic Finance, () pp.
2021 Exploring sustainability from the Islamic finance perspective. European Journal of Islamic Finance, 9 (TIEF: First Special Issue) pp. 45-53
2021 Islamic P2P Crowdfunding (IP2PC) Platform for the Development of Paddy Industry in Malaysia: An Operational Perspective. Journal of Islamic Finance, 10 (1) pp. 65-75
2021 Proposed waqf crowdfunding models for small farmers and the required parameters for their application. Islamic Economic Studies, () pp. 1-16
2021 Qard Al-Hasan Funds as Islamic Social Finance Mode: Analytical Study of Islamic Banks of Yemen. International Journal of Al-Turath In Islamic Wealth and Finance, 2 (2) pp. 149-170
2021 Sukūk on blockchain: a legal, regulatory and Sharī’ah review. ISRA International Journal of Islamic Banking and Finance, ahead-of-print (ahead-of-print) pp. 1-18
2021 التصكيك والتوريق وسندات المقارضة: دراسة مدلولاتها اللغوية والشرعية وطرق استخدامها في سوق رأس المال الإسلامي = Securitization, securitization and Muqaradah bonds: a study of their linguistic and Sharia implications and methods of using them in the Islamic capital market. International journal of Al-Turath in Islamic Wealth And Finance, 2 (2 Special Issue) pp. 40-61
2021 العملات الرقمية في الشريعة الإسلامية، وأثرها في الاقتصاد الإسلامي = Digital currencies in Sharia Islamic Law and its impact on the Islamic economy. Journal of Islamic Shariah, 1 (1) pp. 64-98
2021 الفكرة الإقتصادي عند شيخ الإسلام ابن تيمية: دراسة تحليلية وصفية. Al-sahwah International Islamic Journal, () pp. 347-360
2021 صناديق الاستثمار الإسلامية "دراسة في المصطلح والبنية والضوابط Islamic investment funds: a study of structure and control. Journal of Global Business and Social Entrepreneurship (GBSE), () pp.
2021 مفهوم الشرط الجزائي وأثره في المعاملات المصرفية الإسلامية = The concept of the penalty clause and its effect on Islamic banking transaction. Al-Rashad Journal of Islamic Finance, 1 (1) pp. 127-146
2020 Hybrid robo-advisory services for Islamic financial institutions. Islamic Finance News (IFN), 17 (37) pp. 24-25
2020 Internet of things: ideological prospects and its social implication to the Muslim community. International Journal on Perceptive and Cognitive Computing (IJPCC), 6 (2) pp. 47-52
2020 Robo-advisory for Islamic financial institutions: shari’ah and regulatory issues. European Journal of Islamic Finance, First Special Issue () pp. 1-8
2020 الأوراق التجارية (قصيرة الأجل) أهميتها، وبيان جذرها الشرعي والمقاصدي = Commercial paper (short-term) importance and the statement of its root and legitimate Makassed = Kertas komersial (jangka pendek) kepentingan dan penyata akar dan sah Makassed. Journal of Islam in Asia, 17 (2) pp. 90-107
2020 مساهمة القوانين والتشريعات نحو تطور المصرفية الإسلامية في ليبيا (دراسة مقارنة بالتجربة الماليزية) = The contribution of laws and legislations towards the development of Islamic banking in Libya (A comparative study of the Malaysian experience). Journal of Global Business and Social Entrepreneurship (GBSE), 6 (18) pp. 55-77
2019 Assessment of the global financial crisis: special remedies from the shari’ah perspective. International Journal of Islamic Economics and Finance Research, 2 (1) pp. 1-12
2019 Debt theories in Islamic commercial transactions and their implications for the Islamic capital market. International Journal of Management and Applied Research, 6 (4) pp. 296-306
2019 P2P islamic fintech investment innovation : a proposal of mushārakah smart contract model for SMES financing and social. Al-Shajarah: Journal of The International Institute of Islamic Thought and Civilization (ISTAC), Special Issue: Islamic Banking and Finance () pp. 169-184
2019 Structural development of Ijarah Sukuk: an appraisal. Journal of Islamic Finance, 8 (Special Issue) pp. 107-116
2019 المشاريع الصغرى: دراسة في المفهوم والمعايير الدولية والقوانين العربية. Al Hikmah International Journal of Islamic Studies and Human Sciences, 2 (3) pp. 52-69
2018 Prohibitory transactions of Sukuk assets: the shari'ah analysis with reference to Islamic capital markets. Journal of Islamic Law Review, 14 (1) pp. 99-107
2016 Murabahah Sukuk structure: the shari'ah challenges and the way forward. European Journal of Islamic Banking and Finance, (4) pp. 1-4
2016 The structural development of Istisna' sukuk structure from Shari'ah perspective. Journal of Islam and Civilizational Renewal, 7 (2) pp. 231-243
2015 Can rights be the underlying asset for Sukuk? the Malaysian experience.. Journal of Islam and Civilizational Renewal, 6 (1) pp. 92-105
2015 Shari'ah assessment on conflict of laws within the Islamic schools of jurisprudence.. Journal of Islamic Law Review, 11 (2) pp. 223-245
2015 Social justice and charitable-trust in Islamic financial transactions. International Journal of Business Economics & Law, 8 (1) pp. 1-4
2014 Shari'ah contracts governing debt based Sukuk structures in Islamic capital markets.. Journal of Islamic Law Review, 10 (2) pp. 361-378
Conference or Workshop Items

2025 Qard financing models of the selected Islamic banks in OIC countries: a comparative analysis.. In: International Conference on Business and Technology 2024,
2023 Islamic Peer-to-peer (P2P) Financing as an alternate Model of MSME financing in Nigeria. In: International Conference on Islamic Finance and Banking (ICIFB'2023),
2023 Sustainability and operational challenges of Islamic microfinance in Nigeria: the case of Al-Hayat Microfinance Bank. In: International Conference on Business and Technology, ICBT 2022,
2022 "تصفية الشركات وإفلاسها في ماليزيا: دراسة قانونية”. In: Winding up and Bankruptcy Laws in Malaysia, A Study from legal perspective,
2022 Developing repayment risk management model of Qarḍ al-Ḥasan financing for SMEs in Islamic banks. In: International Conference on Business and Technology ICBT 2021,
2022 Developing repayment risk management model of Qarḍ al-Ḥasan financing for SMEs in Islamic banks. In: International Conference on Business and Technology ICBT 2021,
2022 Feasibility of Central Bank digital currency for blockchain-based zakat in Indonesia. In: The International Conference on Business and Technology (ICBT 2021),
2022 Feasibility of Central Bank digital currency for blockchain-based zakat in Indonesia. In: The International Conference on Business and Technology (ICBT 2021),
2022 Islamic Smart City innovation, concept, application and Shari’ah parameters: a theoretical assessment and technological advancement in Artificial Intelligence. In: Ahlia University Conference on Business and Technology,
2022 Qarḍ al-Ḥasan for SMEs financing using non-permissible earnings: Islamic FinTech solutions for Yemeni IFIs. In: The 1st International Conference on Entrepreneurship, Innovation and Technology (ICEIT 2022),
2021 Achieving financial stability of Islamic banks through a Bespoke Enterprise Risk Management Framework (ERMF). In: International Conference on Islamic Financial Literacy (ICiFIL 2021),
2021 Automating the Set-Aside earnings for SMEs financing using AI technology: A Qard al-Hasan fintech solution for Yemeni Islamic Banks. In: International Conference on Computing and Technological Solutions with Artificial Intelligence,
2021 Blockchain technology for Islamic social impact investment and its applicability in Malaysia’s green energy sector. In: International Conference of Computing and Technological Solutions with Artificial Intelligence,
2021 Did Fintech increase Financial Inclusion in Africa ?. In: International conference on computing and Technological Solution with Artificial Intellegence,
2021 Did fintech increase financial inclusion in Africa ?. In: International Conference on Computing and Technological Solutions with Artificial Intelligence [ICCTSAI 2021 Webinar],
2021 Shari’ah-complaint Hotel: operational scenarios, Shari’ah parameters and opportunities for the contemporary hospitality industry. In: International Conference on Islamic Financial Literacy,
2021 The Role of Fintech in Islamic Banking and Finance. In: International Conference on Computing and Technological Solutions with Artificial Intelligence (ICCTSAI 2021),
2020 Combating terrorism from the Islamic perspective: towards a sustainable security of human kind in the 21st century. In: The 1st Virtual International Conference on Equality, Religious Harmony and Peace 2020,
2020 Cryptor currency, cryptor asset and fiat money: a critical appraisal from the shari’ah perspective. In: Islamic Social Finance: Pandemic Crisis and Possible Solutions (ISFPCPS 2020),
2020 Exploring the significance of Track II Diplomacy in resolving cross-border disputes in the Muslims World. In: 1st Virtual International Conference of Equality, Religious Harmony and Peace 2020,
2020 Waqaf sukuk innovative structures using the blockchain technology: its role to sustainable food security in post Covid-19 pandemic. In: 8th ASEAN Universities International Conference on Islamic Finance (8th AICIF) 2020,
2020 التصكيك والتوريق وسندات المقارضة دراسة في المفهوم والأصل اللغوي والشرعي، وحيثيات الاستخدام. In: Islamic Social Finance: Pandemic Crisis and Possible Solutions (ISFPCPS 2020),
2020 التكلفة الفعلية لخدمات الإقراض في المصارف الإسلامية دراسة تحليلية شرعية. In: Islamic Social Finance: Pandemic Crisis and Possible Solutions (ISFPCPS 2020),
2020 الصكوك الذكية الخضراء وأهميتها في التنمية المستدامة باستخدام تقنية بلوك تشين. In: مؤتمر وجائزة المؤسسات المالية والمصارف الإسلامية الخامس للشراكة والمؤسسات المجتمعية لعام ٢٠٢٠,
2020 صناديق القرض الحسن كأحد أساليب التمويل الإجتماعي الإسلامي : دراسة تحليلية على المصارف الإسلامية في اليمن = Qard al-Hasan funds as Islamic social finance mode: analytical study of Islamic banks of Yemen. In: International Conference on Islamic Social Finance: Pandemic Crisis and Possible Solutions (ISFPCPS 2020),
2020 مقاصد الشريعة في تكريم الذات البشرية وأثرها في السلام والوئام الإنساني = The maqasid al-shari'ah on honoring the human kind and its implications in peace and harmony. In: 1st Virtual International Conference on Equality, Religious, Harmony and Peace,
2019 Blockchain sukuk regulation via regtech & shariahtech. In: IRTI-EFFAT-INCEIF THE 5th ISLAMIC FINANCE CONFERENCE (IFC) 2019�1st DECEMBER 2019 | EFFAT UNIVERSITY, JEDDAH, KINGDOM OF SAUDI ARABIA,
2019 Islamic political economy and sustainable social development policies: an analytical study. In: 7th ASEAN Universities International Conference on Islamic Finance UNIDA Indonesia,
2019 Review of sukuk on blockchain. In: INCEIF-ISRA Inaugural Annual Conference on Islamic Economics and Finance (I-ARIEF) 2019,
2019 Robo-advisory for Islamic financial institutions: shariah and regulatory issues. In: Turin Islamic Economics Forum,
2018 A shari’ah appraisal of the ijarah sukuk structure as implemented in Islamic capital markets. In: 6thASEAN Universities International Conference on Islamic Finance (AICIF), Manila, Philippines 14th & 15th November 2018,
2018 Islamic Fintech for international trade finance with the application of wakalah smart contract. In: 4th Islamic Finance Conference on Blockchain, Smart Contracts and Islamic Financing (IFC 2018),
2018 Peer-to-peer financing in Islamic finance: an analysis of the musharakah model of Islamic fintech for SMEs financing in the state of Qatar. In: Gulf Research Meeting University of Cambridge,
2018 Shari’ah principles of preventing financial crisis in Islamic finance. In: 6th Global Waqf Conference 2018,
2018 Smart Sukuk structure from Shari’ah perspective: the application of Mudarabah smart contract. In: 1st Global Conference on Islamic Economics and Finance 2018 (GCIEF 2018),
Book Sections

2025 Integrating ESG in Shariah stock screening: viability and impacts. In: Routledge, ISBN: 978-103280382-1, pp. 202-224
2025 Islamic corporate governance and sustainable financial growth. In: Emerald Publishing Limited, ISBN: 978-1-83662-347-2, pp. 1-22
2025 Qard Taysir financing: a sustainable model for social responsibility product in Islamic banks. In: Springer, ISBN: 978-3-031-80655-1, pp. 23-32
2024 Artificial intelligence and financial risk mitigation. In: Wiley, ISBN: 978-1-394-17555-0, pp. 53-79
2024 Islamic peer-t0-peer (P2P) financing as an alternate model of MSME financing in Nigeria. In: Springer, ISBN: 978-3-031-48769-9, pp. 27-37
2024 Islamic sustainable finance: Gulf experiences. In: Routledge, ISBN: , pp.
2024 Islamic sustainable finance: Gulf experiences. In: Routledge, ISBN: , pp.
2023 Qarḍ al-Ḥasan for SME financing using non-permissible earnings: Islamic FinTech Solutions for Yemeni IFIs. In: Springer, ISBN: 978-3-031-27295-0, pp. 123-132
2023 Sukuk’s role in financing infrastructural development during the covid-19 pandemic in Nigeria. In: Springer, ISBN: 978-3-031-27859-4, pp. 231-244
2022 The need to digitise Sukuk issuance amid Covid-19 crisis. In: Emerald Publishing Limited, ISBN: 978-1-80071-626-1, pp.
2021 Disrupting Islamic international trade finance using blockchain technology. In: Routledge, ISBN: , pp. 222-237
2021 Disrupting Islamic international trade finance using blockchain technology. In: Routledge, ISBN: , pp. 222-237
2021 المفهوم الشرعي للزكاة والضريبة: دراسة تحليلية مقارنة بالتطبيقات العاصرة. In: Pembinaan Tamadun Melalui Industri Patuh Syariah, ISBN: , pp. 1-35
2019 Financing SMEs through the Islamic Qard al-Hasan: a proposal of Islamic FinTech interest- free lending for government initiatives.. In: IGI Global Publication, ISBN: 9781799800392, pp. 54-64
2019 Financing SMEs through the Islamic Qard al-Hasan: a proposal of Islamic FinTech interest- free lending for government initiatives.. In: IGI Global Publication, ISBN: 9781799800392, pp. 54-64
Monograph

2019 Contents contibutors in Global Islamic Finance Report (GIFR) 2019. In: Cambridge Institute of Islamic Finance,