Staff Directory
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 LAWS (HONOURS) - Bachelor Degree, International Islamic University Malaysia
- - MALAYSIAN UNIVERSITY ENGLISH TEST (MUET),
Nor Razinah Binti Mohd. Zain (Dr.)
Assistant Professor
IIUM Gombak Campus
KULLIYYAH OF ECONOMICS AND MANAGEMENT SCIENCES
mumtaz_razi@iium.edu.my
6280
Expert Profile
Dr. Nor Razinah Mohd. Zain, PhD, is currently an Assistant Professor of Laws at the IIUM Institute of Islamic Banking and Finance (IIiBF), International Islamic University Malaysia (IIUM). She holds a Bachelor of Laws (LLB) (Hons), a Master of Comparative Laws (MCL), and a Doctor of Philosophy (PhD) in Laws—all conferred by IIUM. She is also an Advocate and Solicitor of the High Court of Malaya (Non-Practising) and a certified Islamic Arbitrator and Expert recognized by the International Islamic Centre for Reconciliation and Arbitration (IICRA), UAE. Since 2014, Dr. Nor Razinah has contributed significantly to legal education and scholarship through her involvement with the Ahmad Ibrahim Kulliyyah of Laws, Harun M. Hashim Law Centre, and the Kulliyyah of Economics and Management Sciences (KENMS). Her legal expertise spans a wide array of fields, including Comparative Banking Laws, Islamic Economic Law, Business Law, Islamic Banking and Finance, Dispute Resolution Mechanisms, and Sustainable Finance Law. She is a Fellow at the IIUM Sejahtera Centre, which is committed to advancing the Sustainable Development Goals (SDGs) and promoting community-focused initiatives. For the past six years, she has also served as the Islamization of Human Knowledge (IOHK) Coordinator at IIiBF. Dr. Nor Razinah’s research contributions span over a decade, supported by prestigious institutions. Her notable projects include “Humanitarian Sukuk: Developing an Alternative Financial Tool in Addressing the Refugee Crisis” (2019–2022), funded by Malaysia’s Ministry of Higher Education, and “Musharakah as an Islamic Financial Structure for Venture Capital: Its Potentials and Possible Applications for Small and Medium Enterprises (SMEs) in Malaysia” (2021–2022), funded by Bank Rakyat (M) Berhad. A prolific scholar, she has authored over 80 research works, including peer-reviewed journal articles and book chapters. In 2024, she was honoured as a WOMANi Academica, earning a place among the Top 500 Most Influential Women in Islamic Business & Finance, as recognized by Cambridge-IFA. In 2025, she was further acknowledged as a recipient of the Asian Admirable Achievers award. Beyond her academic and research engagements, Dr. Nor Razinah finds intellectual fulfilment in reading. She may be contacted via email at mumtaz_razi@iium.edu.my.
Area of Specialisation
- Social Science ~ Social Science ~ Law ~ Alternative Dispute Resolution - Laws
Professional Membership
- 2018 - 2018 : Member of Profesional Body / Association: (Member), Association of Shariah Advisors in Islamic Finance (ASAS)
- 2018 - 2019 : Member of Profesional Body / Association: (Ordinary Member), Academic Staff Association IIUM
- 2018 - 2020 : Member of Profesional Body / Association: (Contributor), Unicef (for every child)
- 2018 - 2018 : Member of Profesional Body / Association: (Member), International Council of Islamic Finance Educators (ICIFE)
- 2019 - 2019 : Member of Profesional Body / Association: (Member), Association of Shariah Advisors in Islamic Finance (ASAS)
- 2019 - 2019 : Member of Profesional Body / Association: (Member), International Council of Islamic Finance Educators (ICIFE)
Teaching Responsibilities
| COMMERCIAL LAW (FOR ENM) | 2025/2026 |
| COMPANY LAW | 2025/2026 |
| CONTEMPORARY ISSUES IN BANKING LAW | 2025/2026 2019/2020 |
| ISLAMIC COMMERCIAL LAW | 2024/2025 2023/2024 2022/2023 2021/2022 2020/2021 2019/2020 |
| LAW OF BANKING & NEGOTIABLE INSTRUMENTS | 2018/2019 |
| LEGAL ASPECTS OF ISLAMIC BANKING & FINANCE | 2017/2018 |
| LEGAL FRAMEWORK AND ISSUES IN ISLAMIC BANKING AND FINANCE | 2022/2023 2021/2022 2020/2021 2019/2020 2018/2019 |
| LEGAL FRAMEWORK AND ISSUES OF ISLAMIC BANKING AND FINANCE | 2023/2024 2022/2023 |
| MALAYSIAN BUSINESS LAW (FOR ENM) | 2025/2026 2018/2019 2017/2018 |
| PRINCIPLES OF ISLAMIC FINANCE | 2020/2021 2018/2019 |
| QUALITATIVE METHODS | 2019/2020 2018/2019 |
| SUSTAINABLE DEVELOPMENT: ISSUES, POLICIES AND PRACTICES | 2021/2022 2020/2021 |
| SUSTAINABLE DEVELOPMENT: ISSUES, PRINCIPLES AND PRACTICES | 2024/2025 2023/2024 2022/2023 |
| TAKAFUL AND RE-TAKAFUL | 2024/2025 2023/2024 2022/2023 2021/2022 |
| USRAH IN ACTION 1 | 2024/2025 2022/2023 |
| USRAH IN ACTION 2 | 2024/2025 2023/2024 |
Supervision
|
An Assessment Of Nigerian Regulation And Policies On Financial Inclusion: A Case For Islamic Equity Financing For Northern Nigeria
.
Ph.D
Completed
2025
Main Supervisor
|
|
An Exploratory Study On The Issues And Challenges Of Islamic Banking Industry In The Republic Of Tajikistan.
Ph.D
Completed
2024
Co-supervisor
|
|
An Exploratory Study On Humanitarian Sukuk For Refugees: Its Potentials And Challenges In Morocco.
Ph.D
In Progress
Main Supervisor
|
|
Scaling Up Sustainable
Investment In Government Linked Investment Companies:
Lessons From Malaysia.
Ph.D
In Progress
Co-supervisor
|
|
Force Majeure Events In The Contract Of Istisna As Applicable To Islamic Banks.
Master
Completed
2020
Main Supervisor
|
|
Waqf Sukuk In Malaysia: The Exploration On Its Potential And Issues.
Master
Completed
2020
Main Supervisor
|
Research Projects
Completed
| 2024 - 2025 | Gender Dysphoria : Medical, Islamic Revealed Knowledge and Human Sciences Perspectives. |
| 2021 - 2023 | MUSHARAKAH AS AN ISLAMIC FINANCIAL STRUCTURE FOR VENTURE CAPITAL: ITS POTENTIALS AND POSSIBLE APPLICATIONS FOR SMALL AND MEDIUM ENTERPRISES (SMEs) IN MALAYSIA |
| 2021 - 2022 | Determining Factors of Adoption and Rejection of Takaful by Malaysian Youths |
On-Going
| 2025 - Present | GENDER DYSPHORIA: MEDICAL, ISLAMIC REVEALED KNOWLEDGE AND HUMAN SCIENCES PERSPECTIVES: PART II |
| 2024 - Present | EXAMINING MENTAL HEALTH ISSUES AMONG IIUM UNDERGRADUATE STUDENTS: PROPOSING A FRAMEWORK BASED ON THE SPIRITUAL CORE OF THE INSAN SEJAHTERA PERSONALITY BY PROF. DR. KAMAL HASSAN |
| 2019 - Present | Humanitarian Sukuk: Developing An Alternative Financial Tool in Addressing Refugee Crisis |
| 2019 - Present | Shariah Governance an Financial Performance of Islamic Banks in Malaysia (Bank Pembangunan Malaysia Berhad Research Grant) |
Awards & Recognition
| 30 May, 2025 | 7th University in Action Symposium Bronze Award ? Asnaf Sejahtera: Zero Hunger - International Islamic University Malaysia | University |
| 30 May, 2025 | 7th University in Action Symposium Silver Award ? Asnaf Sejahtera: Zero Waste - International Islamic University Malaysia | University |
| 26 May, 2025 | Asian Admirable Achievers 2025 - Rifacimento International, India | International |
| 06 Jan, 2025 | 6th University in Action Symposium Silver Award ? Food Insecurity in Campus: Implications to Academic Performance - International Islamic University Malaysia | University |
| 06 Jan, 2025 | 6th University in Action Symposium Silver Award ? Food Security in Campus: Impacts to Mental and Emotional Health - International Islamic University Malaysia | University |
| 26 Nov, 2024 | WOMANi Academica - 500 Most Influential Women in Islamic Business & Finance 2024 - Cambridge Institute of Islamic Finance | International |
| 20 Jan, 2024 | The 5th University in Action Symposium - Silver Award - Sejahtera Centre, IIUM | National |
| 10 Jan, 2024 | 4th University in Action Symposium Silver Award ? Sejahtera Empowerment of Single Mothers - International Islamic University Malaysia | University |
| 11 Aug, 2022 | Potential Young Researcher Award 2022 - International Islamic University Malaysia | University |
| 04 Mar, 2022 | NERPS Best Paper Award ? Title of Research: The Impact of Refugees on Economic Growth in Malaysia: Evidence from ARDL Approach - Hiroshima University | International |
Publications
Articles
Conference or Workshop Items
| 2025 | Climate finance for resilience future: pioneering steps of the United Arab Emirates (UAE) in the Gulf region. In: 4th International conference on Climate Change and Environmental Sustainability, CCES 2024 and 3rd International Conference on Health and Environmental Resilience and Livability in Cities, HERL 2023. HERL 2024, |
| 2025 | Climate finance for resilience future: pioneering steps of the United Arab Emirates (UAE) in the Gulf region. In: 4th International conference on Climate Change and Environmental Sustainability, CCES 2024 and 3rd International Conference on Health and Environmental Resilience and Livability in Cities, HERL 2023. HERL 2024, |
| 2023 | Deepening financial inclusion in Nigeria through Islamic Financial offerings. In: International Conference on Business and Technology, ICBT 2021, |
| 2022 | Application of artificial intelligence in metaverse: evaluating new challenges on personal data protection in relation to financial system. In: 10th ASEAN International Conference on Islamic Finance 2022 (AICIF-10): The Role of Islamic Banking and Islamic Social Finance for Economic Sustainability, |
| 2022 | Application of mobile banking services by Malaysian Islamic banks: an evaluation on the customers’ main concerns. In: 10th ASEAN International Conference on Islamic Finance 2022 (AICIF-10): The Role of Islamic Banking and Islamic Social Finance for Economic Sustainability, |
| 2022 | Consideration on refugees’ financial assistances: why humanitarian Sukuk is important?. In: 10th ASEAN International Conference on Islamic Finance 2022 (AICIF-10): The Role of Islamic Banking and Islamic Social Finance for Economic Sustainability, |
| 2022 | From green to blue: a consideration on blue sukuk for the protection of ocean in the Southeast Asia. In: 10th ASEAN International Conference on Islamic Finance 2022 (AICIF-10): The Role of Islamic Banking and Islamic Social Finance for Economic Sustainability, |
| 2022 | Islamic equity financing as a financial inclusion enabler: Nigeria in spectrum. In: 10th ASEAN International Conference on Islamic Finance 2022 (AICIF-10): The Role of Islamic Banking and Islamic Social Finance for Economic Sustainability, |
| 2022 | Nature-related financial risks & reliefs: an investigation on Malaysian Islamic Banks’ Approaches in Assisting Their Customers. In: 10th ASEAN International Conference on Islamic Finance 2022 (AICIF-10): The Role of Islamic Banking and Islamic Social Finance for Economic Sustainability, |
| 2022 | The enforcement of financial ombudsman scheme (FOS) to Malaysian takaful and insurance sectors: an analysis of alternative dispute resolution (ADR) from a period of 2013 to 2021. In: 10th ASEAN International Conference on Islamic Finance 2022 (AICIF-10): The Role of Islamic Banking and Islamic Social Finance for Economic Sustainability, |
| 2022 | Tips of the iceberg: domestic violence during COVID-19, Movement Control Order (MCO) in Malaysia. In: International Academic Symposium of Social Science 2022 (IASSC 2022), |
| 2021 | A consolidation of halal services and Islamic financial services in Malaysia: current challenges in the implementation. In: International Research Conference on Shariah Compliant Industries (IRCSI), |
| 2021 | An overview on regulation policies for refugees in Malaysia and the selected European countries: current situation and future consideration. In: 9th Annual Universities International Conference on Islamic Finance 2021, |
| 2021 | Deepening financial inclusion in Nigeria through Islamic financial offerings. In: International Conference on Business Technology (ICBT 2021), |
| 2021 | Humanising artificial intelligence: what so wrong about it?. In: 3rd World Congress On Integration & Islamicisation 2021 : “Mental Health And Well Being In The 4th Industrial Revolution”, |
| 2021 | Islamophobia in Southeast Asia: current challenges among Muslim Malays. In: Sixth FOCUS Conference on Contemporary Islam in the Malays World, |
| 2021 | Managing financial stress through Islamic wealth management: an appreciation of Hifz al-Mal. In: 3RD WORLD CONGRESS ON INTEGRATION & ISLAMICISATION 2021 : “MENTAL HEALTH AND WELL BEING IN THE 4TH INDUSTRIAL REVOLUTION”, |
| 2021 | Transdisciplinary research for sustainability: vital roles of researchers. In: IIUM Research Day 2021: An International Online Event for Life Sciences, |
| 2020 | A critical appraisal on artificial intelligence: common law and Sharī‘ah. In: International Postgraduate Students Conference: Legal Challenges and Opportunities in the Fourth Industrial Revolution: Sustainability, Human Rights and Social Justice Perspectives in Asia Pacific (INGRACE 2020), |
| 2020 | A perspective from Islamic moral economy: Maqāṣid al-Sharī‘ah vs sustainable development goals. In: Islamic Moral Economy and Finance, |
| 2020 | A shariah evaluation on drug abuse: justifications in imposing severe punishment for drug addicts in Malaysia. In: 2020 World Congress of The Integration and Islamicisation, |
| 2020 | Achieving the Sustainable Development Goals (SDGs): between the role of Islamic social finance and financial inclusion. In: 12th International Conference on Islamic Economics and Finance "Sustainable Development for Economy", |
| 2020 | Combating climate change in Malaysia: critical appraisal on Sukuk as an Islamic social finance instrument. In: Islamic Social Outreach Programme (ISFO 2020), |
| 2020 | Detecting the trend of mediation services in Malaysia: Pre- and Post-Covid-19 pandemic. In: The 1st International Virtual Conference on Equality, Religious Harmony & Peace 2020, |
| 2020 | Digital Asset and its Regulation in Malaysian Islamic Capital Market. In: 8th ASEAN Universities International Conference on Islamic Finance (AICIF 2020), |
| 2020 | Financial inclusion initiative through Malays Family Associations: a survey from Islamic wealth management’s perspective. In: The 2nd National Seminar in Contemporary Fiqh on Family Fiqh in Malaysia: Towards Promoting Insan Sejahtera (NSCF2020), |
| 2020 | Financial inclusion through Zakat in Malaysia: essentiality of public participation during COVID-19 pandemic. In: 4th International Virtual Conference on Zakat, Waqf and Islamic Philanthropy: Philanthropy Model 4.0 Towards Empowering Ummah with Technology (ZAWFI) 2020, |
| 2020 | Financing social enterprises through cash waqf: An Innovation of business model. In: Islamic Social Finance Outreach Programme (ISFO 2020), |
| 2020 | Globalizing zakat assistance for humanitarian crisis: issues and challenges. In: 4th International Virtual Conference on Zakat, Waqf and Islamic Philanthropy: Philanthropy Model 4.0 Towards Empowering Ummah with Technology (ZAWFI) 2020, |
| 2020 | Identification of Asnaf in distress: netizens' roles. In: 12th International Conference on Islamic Economics and Finance "Sustainable Development for Economy", |
| 2020 | Managing financial stress through Islamic wealth management: an appreciation of Hifz al-Mal. In: 2020 World Congress of The Integration and Islamicisation: Integration of Spirituality & Mental Health, |
| 2020 | Nurturing wise spending habit among children: the role of parents. In: The 2nd National Seminar in Contemporary Fiqh on Family Fiqh in Malaysia: Towards Promoting Insan Sejahtera (NSCF2020), |
| 2020 | Penjanaan ekonomi ummah menurut parameter al-qur’an. In: Kolokium Keagungan Al-Quran Peringkat Negeri Sarawak 1441H1 2020M, |
| 2020 | Penjanaan ekonomi ummah: analisa dari dalil Quran dan sunnah. In: 2nd National Seminar in Contemporary Fiqh (NSCF 2020), |
| 2020 | The role of Zakat in achieving economic empowerment, environmental sustainability and social re-engineering as promoted in the 12th Malaysia plan (12MP). In: Islamic Social Finance Outreach Programme (ISFO 2020), |
| 2020 | Understanding potentials of humanitarian sukuk and its contribution towards financial refugee crisis. In: 3rd UUM International Islamic Business Management Conference, |
| 2020 | Zakat initiatives to alleviate the impacts of Covid-19 pandemic: a case study of Malaysia. In: 4th International Virtual Conference on Zakat, Waqf and Islamic Philanthropy: Philanthropy Model 4.0 Towards Empowering Ummah with Technology (ZAWFI) 2020, |
| 2019 | Dispute resolution management relating to Waqf: a learning lesson from tanah Wakaf Abdul Cauder, Pulau Pinang. In: Muzakarah Wakaf Antarabangsa 2019, |
| 2019 | Keselamatan dokumen: kepentingannya dan perspektif Islam. In: Seminar Kepentingan Menjaga Kerahsiaan Dokumen Sulit Pelanggan, |
| 2019 | Mosques as the heart of Islamic social finance: innovative roles and significances. In: The 4th Global Forum on Islamic Economics, Finance and Banking (IEFB) 2019, |
| 2019 | Reviving Waqf through crowdfunding platform: an opportunity for Thailand. In: 7th South East Asia International Islamic Philanthropy Conference (7th SEAIIPC 2019), |
| 2019 | Smart contract and blockchain: disruptive or constructive to Islamic financial services in Malaysia. In: International Conference on Financial Markets 2019 (ICFM 2019), |
| 2019 | Strengthening the financial intermediary role of Islamic banks through sustainable development goals. In: 33rd IBIMA Conference 2019, |
| 2018 | Alternative financing modes for higher learning institutions in Malaysia – Socially Responsible Investment (SRI) Sukuk & Social Impact Bonds (SIB). In: 6th ASEAN Universities International Conference on Islamic Finance (AICIF), Makati, Philippines, |
| 2018 | Enhancing Islamic banking and finance in South East Asia through the application of artificial intelligence – an exploration of banking’s best practices. In: 6th ASEAN Universities International Conference on Islamic Finance, |
| 2018 | Enhancing Islamic banking and finance in South East Asia through the application of artificial intelligence: an exploration of banking’s best practices. In: 6th ASEAN Universities International Conference on Islamic Finance (AICIF), |
| 2018 | Humanitarian sukuk: practical instrument in eliminating refugee crisis. In: 1st Global Conference on Islamic Economics and Finance 2018 (GCIEF 2018), |
| 2017 | Preferences of disputes resolution mechanisms in Islamic financial services industry in Malaysia. In: International Conference on Dispute Resolution 2017 - Modern Trends in Effective Dispute Resolution, |
| 2015 | Customers' perceptions on the dispute resolution clauses in Islamic Finance contracts in Malaysia. In: Forty-Second Annual Meeting of Federation of Business Disciplines: Southwestern Finance Association Annual Conference, |
Books
| 2024 | Islamic finance and sustainable development: a global framework for achieving sustainable impact finance. Routledge, Taylor & Francis Group, ISBN: 978-1-032-74307-3 |
| 2024 | Islamic sustainable finance: policy, risk and regulation. Routledge, Taylor & Francis Group, ISBN: 978-1-032-49784-6 |
| 2023 | mKitchen™ towards Masyarakat Madani. mKitchen KICT IIUM, ISBN: 9789672656999 |
| 2023 | Rumah Makan mKitchen for Free Food Distribution. mKitchen, KICT IIUM, ISBN: 978-967-26569-8-2 |
| 2022 | Empowered batch 3 IIUM mkitchen students. mKitchen, ISBN: 978-967-26569-7-5 |