Staff Directory


Ashurov Sharofiddin

Academic Qualifications

  • Doctor of Philosophy in Islamic Banking and Finance - Doctor of Philosophy, Institut Agama Islam Negeri Kedah, INSANIAH, Malaysia (Currently known as UNISHAMS)
  • Master Science in Finance - Masters Degree, International Islamic University Malaysia
  • Bachelor in Economics - Bachelor Degree, International University of Africa

Ashurov Sharofiddin (Assoc. Prof. Dr.)

Associate Professor
IIUM Gombak Campus

INSTITUTE OF ISLAMIC BANKING AND FINANCE

Other's position:

Head of Program, Institute of Islamic Banking and Finance

ashurov@iium.edu.my
6279


Area of Specialisation


  • Economics, Business And Management ~ Economics, Business And Management ~ Islamic Finance ~ Islamic Banking - Islamic banking and Finance
  • Economics, Business And Management ~ Economics, Business And Management ~ Finance ~ Other Finance n.e.c. - Financial Management


Teaching Responsibilities


ACCOUNTING FOR ISLAMIC FINANCIAL INSTITUTIONS 2019/2020
AL-IQTISAD AL-ISLAMI 2025/2026
AL-MUHASABAH WE TAQARIR AL-MAKHATIR LI AL-KHADAMAT AL-MALIYYAH 2025/2026 2022/2023
AL-NIZAM AL-MALI AL-ISLAMI 2024/2025 2023/2024
BUSINESS MATHEMATICS AND STATISICS 2021/2022
FINANCIAL MANAGEMENT ANALYSIS 2021/2022 2020/2021 2019/2020 2018/2019
IDARAH AL-THARWAH AL-ISLAMIYYAH 2025/2026 2023/2024
ISLAMIC ECONOMICS 2024/2025 2023/2024 2022/2023 2021/2022 2020/2021 2019/2020
MABADI AL-IQTISAD 2025/2026
MABADI AL-MUHASABAH WA AL-TAMWIL 2025/2026 2024/2025 2023/2024 2022/2023
MANAHIJ AL-BAHTH AL-ILMI 2024/2025 2023/2024 2022/2023
MONEY AND BANKING 2020/2021 2019/2020 2018/2019
PRINCIPLES OF ACCOUNTING AND FINANCE 2021/2022 2020/2021 2019/2020 2018/2019
PRINCIPLES OF ECONOMICS 2019/2020 2018/2019
QUALITATIVE METHODS 2025/2026 2024/2025 2023/2024 2022/2023 2021/2022 2020/2021 2019/2020
QUANTITATIVE METHODS 2019/2020 2018/2019
RESEARCH METHODOLOGY 2024/2025 2023/2024 2022/2023 2021/2022 2020/2021 2019/2020 2018/2019
RISK MANAGEMENT OF ISLAMIC FINANCIAL INSTITUTIONS 2022/2023 2021/2022 2020/2021 2019/2020
TAHLIL AL-IDARAH AL-MALIYYAH 2023/2024 2022/2023
ZAKAT FOR SOCIAL FINANCE 2019/2020


Supervision


معالجة الفجوة التمويلية في القطاع الزراعي الفلسطيني من خلال صيغة السلم "دراسة تحليلية" .
Addressing The Financing Gap In The Palestinian Agricultural Sector Through The Salam Contract: An Analytical Study.
Ph.D Completed 2026 Main Supervisor
The Role Of Islamic Banking Towards Improving The Well-Being Of Fishermen In Mauritania.
Ph.D Completed 2026 Main Supervisor
Legitimacy Of Waqf Management Technology And Social-Business Integration In Muhammadiyah Organisation.
Ph.D Completed 2026 Co-supervisor
قياس الوعي السلوكي في تبني التمويل الإسلامي للمشاريع صغرى والصغيرة والمتوسطة في طاجيكستان.
Measuring The Behavioural Intention Toward Adopting Islamic Microfinance For Smes In Tajikistan.
Ph.D Completed 2025 Main Supervisor
آليات تفعيل الصكوك اإلسلامية في أفغانستان في ضوء التجربة الماليزية.
Mechanisms For Activating Islamic Sukuk In Afghanistan In Light Of The Malaysian Experience.
Ph.D Completed 2025 Main Supervisor
Measuring Customer'S Perception On The Adoption Of Mobile Banking: Case Of Selected Cities In Algeria.
Ph.D Completed 2025 Main Supervisor
كفاءة رأس المال الفكري، والحوكمة الشرعية، والاستقرار المالي في المصارف الإسلامية: أدلة من بعض الدول الإسلامية في آسيا .
Intellectual Capital Efficiency, Shariah Governance And Financial Stability Of Islamic Banks: Evidences From Muslim Asian Countries.
Ph.D Completed 2025 Main Supervisor
Examining The Impact Of Personal Resources And Perceived Supervisor Support On Work Engagement Among Turkish Islamic Banks' Employees.
Ph.D Completed 2025 Co-supervisor
أثر منهج التدقيق القائم على خماطر األعمال يف جودة اإلبالغ املايل دراسة حالة تطبيقية يف مصرف كوردستان الدويل اإلسالم) (لإلستثمار والتنمية يف أربيل /العراق.
The Impact Of The Business Risk-Based Audit Approach On The Quality Of Financial Reporting (An Applied Case Study In Kurdistan International Islamic Bank For Investment And Development In Erbil / Iraq).
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 Co-supervisor
لتمويل بالمشاركة وأثره على أداء نوافذ الصيرفة الإ سلامية في ظل تطوير الخدمة المصرفية (دراسة تطبيقية على مصرف الجمهورية يبيا -.
Financing Bay Musharaka And Its Impact On The Performance Of Islamic Banking (An Applied Study On Jumhouria Bank - Libya).
Ph.D Completed 2024 Co-supervisor
العوامل املؤثرة على سلوك الزابئن يف التعامل مع البنوك اإلسالمية يف دولة الكويت: دراسة ميدانية.
The Role Of Internal Audit In Reducing The Financial Risks Related To Investment Diversification Policies - A Case Study On Kuwaiti Islamic Banks.
Ph.D Completed 2023 Main Supervisor
The Adoption Of Cryptocurrency Backed By Gold For Blockchain-Based International Net Settlements To Enhance Financial Stability: A Paradigm Shift In Monetary Policy Reform.
Ph.D Completed 2023 Main Supervisor
The Moderating Effect Of Audit Committee On The Relationship Between Corporate Governance Mechanisms And Practices On Earnings Management.
Ph.D Completed 2023 Main Supervisor
Determinants Of Islamic Banks' Patronisation: The Case Of Profit-Sharing Investment Account Holders In Nigeria.
Ph.D Completed 2023 Co-supervisor
Effect Of External Environment And Adaptation Of Internal Environment When Adopting Islamic Financial Transactions In Libyan Commercial Banks .
Ph.D Completed 2023 Co-supervisor
Critical Analysis Of Regulatory Framework For The Issuance Of Sukuk In The Gcc With Particular Reference To The Kingdom Of Saudi Arabia, United Arab Emirates And Kingdom Of Bahrain.
Ph.D Completed 2023 Co-supervisor
The Impact Of Corporate Social Responsibility Disclosure On The Performance Of Kuwaiti Islamic Banks .
Ph.D Completed 2023 Co-supervisor
الأدوات المالية قصيرة الأجل وأثرها في الحد من ظاهرة ارتفاع الفوائض النقدية في المصارف الإسلامية الكويتية.
The Impact Of The Use Of Investment Financial Instruments To Reduce The High Cash Surplus.
Ph.D Completed 2023 Co-supervisor
قياس النية السلوكية لمديري البنوك تجاه استثمارات البنوك الإسلامية في الصكوك: دراسة حالة في البنوك الإسلامية الكويتية.
Financial Impact Of Sukuk On The Financial Performance Of Kuwaiti Islamic Banks (Arabic).
Ph.D Completed 2022 Main Supervisor
Risk-Based Supervisory Framework For Islamic Banks: A Case Study Of Nigeria.
Ph.D Completed 2022 Main Supervisor
قياس فاعلية تطبيق إدارة الجودة الشاملة على أوقاف جمعيات البر بالمنطقة الشرقية في المملكة العربية السعودية وفقاً لمبادئ ديمنج- دراسة حالة.
Implementation Of Total Quality Management In Waqf Foundation Of Saudi Arabia.
Ph.D Completed 2022 Co-supervisor
The Impact Of Globalization On The Performance Of Islamic Banks In Kuwait And How To Overcome Their Offects.
Ph.D Completed 2022 Co-supervisor
The Effect Of Debt-Based Financing On The Performance Of Islamic Banks Based On Maqasid Al-Sharia.
Ph.D In Progress Main Supervisor
حماية البيانات والمعاملات في أدوات الرقمنة الدفعية في Touch ‘n Go نموذجًا.
Developing A Regulatory Framework To Protect Data And Transactions From Security Risks And Sharia Concerns In Digital Payment Tools (Tng-Ewallet) As A Model In Malaysia..
Ph.D In Progress Main Supervisor
Developing A Regulatory For Pakistan’S Transition Toward A Full-Fledge Sustainable Islamic Banking System: A Qualitative Policy Analysis.
Ph.D In Progress Main Supervisor
Quantifying Barakah And Its Impact On Credit Risk Tolarance And Credit Decision Makiing In Islamic Banks.
Ph.D In Progress Main Supervisor
تقييم النية السلوكية في تنفيذ مجتمع غير نقدي بين المؤسسات المصرفية الإسلامية وعملائها في ماليزيا.
The Behavioural Intention Of Adopting A Cashless Society Among The Customers Of Islamic Banking Institutions In Malaysia .
Ph.D In Progress Main Supervisor
Leveraging Blockchain Technology To Enhance Transparency And Efficiency In Zakat Collection And Distribution Among The Oic Countries .
Ph.D In Progress Main Supervisor
The Development Of Social Impact Measurement For Waqf Organisations: Case Study Of Kazakhstan.
Ph.D In Progress Main Supervisor
Exploring The Role Of Fintech On Commercial Interest Free Banking Reliability And Improving The Supply Chain.
Ph.D In Progress Main Supervisor
.
Ph.D In Progress Main Supervisor
G Factor Of Esg & Technical Effiency In Dual Banking Systems.
Ph.D In Progress Main Supervisor
Evaluating The Prospects And Changes Of Adoption On Islamic Banking System In Bangladesh.
Ph.D In Progress Main Supervisor
أثر التنويع الاقتصادي على التنمية المستدامة في دول مجلس التعاون الخليجي: دراسة كمية لتقييم الدور الوسيط لأداء البنوك الإسلامية. .
The Nexus Between Economic Diversification And Sustainable Development In The Gcc Countries: A Quantitative Evaluation Of The Mediating Role Of Islamic Banks’ Performances..
Ph.D In Progress Main Supervisor
Examining Consumer Behavior Towards The Adoption Of Shariah-Compliant Housing Finance Services In Alberta, Canada.
Ph.D In Progress Co-supervisor
Measuring The Factors Affecting Reputational Risk For Islamic Banks In Turkiye And Developing Maqasidic Approach Framework To Mitigate It .
Ph.D In Progress Co-supervisor
فاعلية التمويل الأصغر الإسلامي للشركات الصغيرة والمتوسطة في الشمول المالي: دليل تجريبي من الصومال.
Effectiveness Of Islamic Sme Microfinance In Financial Inclusion: Empirical Evidence From Somalia.
Ph.D In Progress Co-supervisor
Role Of Islamic Financial Institutions In Improving Financial Inclusion Through Affordable Mortgage In Nigeria.
Ph.D In Progress Co-supervisor
Financial Reporting Practices Of Selected Waqf Institutions In Malaysia: The Maqasid Al-Waqf Assessment.
Ph.D In Progress Co-supervisor
مدى نجاعة التمويل التشاركي الإسلامي في تحقيق الأداء المصرفي " دراسة حالة التجربة المالية في الجزائر.
The Effectiveness Of Islamic Participatory Finance In Achieving Banking Performance: A Case Study Of The Financial Experience In Algeria.
Ph.D In Progress Co-supervisor
Practices Of Al-Rahn In Non-Banking Financial Institutions In Afghanistan.
Ph.D In Progress Co-supervisor
Zakat As Model Of Minimising The Impact Of Income Tax Of NonCompliance Risk In Muslim Majority Countries: The Case Of Zanzibar.
Ph.D In Progress Co-supervisor
Crisis Management In The Malaysian Islamic Banks: Lessons From The Covid-19 Pandemic.
Ph.D In Progress Co-supervisor
Determinant On Loan Repayment Intentionamong Bangladeshi Micro Credit Borrowers With The Mediating Role Of Trust And Moderated By Religiosity.
Ph.D In Progress Co-supervisor
Exploring The Potential Of Smart Contracts In Jordanian Islamic Bank “ Jib”.
Ph.D In Progress Co-supervisor
تقييم الفرص والتحديات التي تواجه مؤسسات الصيرفة والمالية الاسلامية في كازاخستان.
Evaluating The Challenges And Prospects Of Islamic Banking And Finance In Kazakhstan.
Master Completed 2025 Main Supervisor
Exploring The Challenges Of Introducing Of Islamic Banking In Uzbekistan..
Master Completed 2024 Main Supervisor
The Role Of Crypto Currencies In Financial Inclusion And Exploringits Intrinsic Value From The Juristic Perspective.
Master Completed 2024 Main Supervisor
Future In New Digital Economy The Rise Of Mobile Money In Selected Asia Countries .
Master Completed 2023 Main Supervisor
Islamic Banking Application In Afghanistan (Opportunities And Challenges).
Master Completed 2023 Main Supervisor
The Development Of Waqf Based Crowdfunding Platform Model For Sme Financing In Malaysia.
Master Completed 2022 Main Supervisor
An Empirical Study Of Factors Influencing The Intention Of Somali People To Contribute To Waqf.
Master Completed 2022 Main Supervisor
Exploring The Perception Of Employees Toward Sources Of Financing For Smes In Algeria; A Case Study Of The National Agency Of Management For Micro-Credit In Algeria (Angem).
Master Completed 2021 Main Supervisor
A Study On The Effectiveness Of Islamic Microfinance Towards The Poverty Reduction In Mogadishu, Somalia.
Master Completed 2021 Main Supervisor
The Exploratory Study Of Asnaf Al-Riqab As One Of The Recipients Of Zakat To Improve Their Financial Condition.
Master Completed 2021 Main Supervisor
Zakat As A Solution To Fight Against Financial Difficulty Among B40 In Selangor.
Master Completed 2021 Main Supervisor
Customers’ Perception And Adoption Towards Islamic And Conventional Banking Services In Afghanistan : A Comparative Study.
Master Completed 2021 Main Supervisor
The Effecthness Of Khawrzmat In Measuring Financial Markets..
Master Completed 2021 Main Supervisor
Exploratory Study On Establishing Zakat Institution In Somalia: Case Study Of Lembaga Zakat Selangor Experience.
Master Completed 2020 Main Supervisor
Using Zakat Fund For Financing Muslim Refugees In Malaysia.
Master Completed 2020 Main Supervisor
The Level Of Acceptance And Awareness Of Takaful In Nigeria.
Master Completed 2020 Main Supervisor
Adoption Of Islamic Banking In Afghanistan: A Case Study Of Herat Province.
Master Completed 2020 Main Supervisor
The Viability And Acceptance Of Introduction Waqf Institutions In Somalia.
Master Completed 2020 Main Supervisor
Awareness Of Waqf Among The People Of Afghanistan.
Master Completed 2019 Main Supervisor


Research Projects


Completed
2022 - 2022 DEVELOPING A FRAMEWORK ON ZAKAT FUND COLLECTION AND DISTRIBUTION TO ENHANCE THE SOCIAL IMBALANCES IN MUSLIM SOCIETIES
On-Going
2019 - Present Islamic Social Welfare FinTech (ISW FinTech) Implication on SDGs and Zakat Distribution in OIC Countries: Pilot Case of Zakat Agencies in Bangladesh. (Habib Academy)


Awards & Recognition


22 Dec, 2023 Best Paper Award - Ministry of Higher Education, Malaysian Scholarly Publishing Council MAPIM - KPT 14. National
07 Apr, 2022 Certificate of Appreciation - Higher Colleges of Technology International


Publications


Articles

2025 Blockchain and smart sukuk in Malaysia: a new era for Islamic capital markets. Bursa Malaysia, NA (NA) pp. NA-NA
2025 Experts' views on the impact and the prospects of Islamic banking and finance in the republic of Tajikistan. Al-Qanatir: International Journal of Islamic Studies, 33 (7) pp. 55-72
2025 Intellectual capital efficiency and its contribution to financial stability in Islamic banks: a study of the gulf countries. Hamdard Islamicus, 48 (2) pp. 85-100
2024 Analyzing and measuring the impact of operational risks on earning management: an applied study on Islamic banks listed on the Iraq stock exchange for the period (2011-2021). Al-Qanatir Journal International Journal of Islamic Studies, () pp.
2024 Evaluating corporate social responsibility in achieving sustainable development and social welfare. BRICS JOURNAL OF ECONOMICS, 5 (2) pp. 77-102
2024 Exploring personal resources and its relationship with work engagement: a systematic review. Journal of Business Management and Accounting, 14 (2) pp. 237-275
2024 Exploring the effect of autonomy and psychological well-being: a comprehensive analysis among IIUM students. Journal of Islamic Management Studies, 7 (2) pp. 36-55
2024 Islamic microfinance in Somalia: challenges, opportunities, and practices. Al-Qanatir International Journal of Islamic Studies, 33 (4) pp. 174-184
2024 Malaysia’s Brics ambition: a bridge to greater prosperity. Malay Mail, () pp.
2024 Malaysia’s pivot: navigating Trump’s return for growth and stability. Malay Mail, () pp. 1-5
2024 Measuring and analysing the impact of operational risks on the earning quality of a sample of Islamic banks listed on the Iraqi stock exchange for the period (2011-2021): an applied study. Al-Qanatir: International Journal of Islamic Studies, 33 (5) pp. 549-571
2024 Roles of service quality and religiosity in determining customers’ retention in Islamic banks: empirical evidence from southwestern Afghanistan. Turkish Journal of Islamic Economics (TUJISE), 11 (2) pp. 106-136
2023 Does Islamic banking contribute to the application and implications of the green economy in central Asian countries?. Islamic Finance News, () pp. 1-5
2023 Islamic banking and finance potential in Central Asian countries. Islamic Finance News, 20 (21) pp. 21-22
2023 Lack of ESG integration in Islamic banking and finance sustainability in Central Asian countries. Lack of ESG integration in Islamic banking and finance sustainability in Central Asian countries, 20 (33) pp. 19-20
2023 Regulating the conversion of conventional banks to Islamic: the 4 Quadrants Conversion (4-QC) framework. Journal of Central Banking Law and Institutions, 2 (2) pp. 327-346
2023 Risk management practices for Islamic Financial Institutions during an unprecedented crisis: Bank Negara Malaysia's approach to operational resilience. Onomázein, 62 () pp. 1153-1164
2023 The customer’s perception towards Islamic and conventional banks in Algeria. Tazkia Islamic Finance and Business Review (TIFBR), 17 (1) pp. 56-67
2023 The impact of business risk audit on the quality of IFRS application. International Journal of Academic Research in Business and Social Sciences, 13 (11) pp. 8081-8105
2023 إصدار الصكوك الإسلامية ودورها في التنمية الاقتصادية في أفغانستان = Issuing sukuk and its role in economic development in Afghanistan. International Journal of Al-Turath In Islamic Wealth and Finance, 4 (2) pp. 21-48
2023 مدى التزام المصارف الإسلامية الكويتية بضوابط الاستثمار في الصكوك الإسلامية وفقا لهيئة المحاسبة والمراجعة للمؤسسات المالية الإسلامية = The extent of commitment of Kuwaiti Islamic Banks to investment controls in Islamic Sukuk according to the accounting and auditing organization for Islamic financial institutions. Al-Qanatir International Journal of Islamic Studies, 30 (1) pp.
2022 Waqf management for poverty alleviation in Bangladesh towards achieving sustainable development goals. Journal of Pharmaceutical Negative Results, 13 (10) pp. 3149-3155
2022 Why Bangladesh is falling behind in implementing the Islamic microfinance system? A systematic literature review. International Journal of Al-Quran and Knowledge, 2 (1) pp. 1-9
2022 أثر المعتقدات السلوكية على سلوك الزبائن في التعامل مع البنوك الإسلامية في دولة الكوي ت. INTERNATIONAL JOURNAL OF BUSINESS SOCIETY (IJO-BS), () pp.
2022 قياس أثر المعيار الشخصي على سلوك الزبائن في التعامل مع البنوك الإسلامية في دولة الكويت. International Journal of Business Society (IJO-BS), () pp.
2021 Developing the hybrid model (waqf & zakat) for improving the zakat recipients’ healthcare In Selangor. Journal of Islamic Finance, Special Issue, 10 (1) pp. 067-075
2021 Social synergy sukuk (Double-S Sukuk): a solution for pandemic crisis. Turkish Journal of Islamic Economic, () pp. 1-12
2021 The effect of utilizing zakat fund on financing production to achieving social welfare: in Indonesia as a case study. Journal of Islamic Finance, 10 (1) pp. 019-029
2021 The external environment driving internal organizational change: empirical evidence from commercial banks’ adoption of Islamic financial transactions in Libya. Journal of Islamic Finance, 10 (2) pp. 148-161
2021 The influence of firm, industry and concentrated ownership on dynamic capital structure decision in emerging market. Journal Asia Business Studies, 15 (5) pp. 669-709
2021 The level of acceptance and awareness of takaful in Nigeria. Journal of Islamic Finance, 10 (No. 1 (2021)) pp. 1-13
2020 Conceptual framework on risk-based supervision of Islamic Banks: a proposed risk-based supervisory framework. International Research in Technology, Engineering, Science and Humanities (IJRTESH), 1 (1) pp. 1-9
2020 Effect of applying Total Quality Management in improving the performance of Al-Waqf of Albr Societies in Saudi Arabia: a theoretical framework for "Deming's Model = أثر تطبيق إدارة الجودة الشاملة في تحسين أداء أوقاف جمعيات البر في المملكة العربية السعودية: إطارا نظريا لتطبيق نموزذج "ديمنج". The International Journal of Business Ethics and Governance (IJBEG), 3 (2) pp. 13-33
2020 Exploring the challenges of the historical development of Islamic banking system in Afghanistan using document analysis. Journal of Islamic Finance (JIF), 9 (2) pp. 13-25
2020 Protecting the interest of profit-sharing investment account holders in Islamic banks: the Nigerian experience. International Conference in Technology, Engineering, Sciences and Humanities (IJRTESH), 1 (1) pp. 1-8
2020 The determinants of foreign direct investment in Central Asian region: A case study of Tajikistan, Kazakhstan, Kyrgyzstan, Turkmenistan and Uzbekistan (A quantitative analysis using GMM). Russian Journal of Economics, 6 (2) pp. 162-176
2020 أثر معايير الحوكمة الشرعية في تعزيز الإفصاح والشفافية في المصارف الإسلامية الكويتية = The impact of governance corporate standards on enhancing disclosure and transparency in Kuwaiti Islamic banks. International Journal of Al-Turath In Islamic Wealth and Finance, 1 (2) pp. 114-146
2019 The effects of trust mediator and education level moderator on adoption of Islamic banking system in Tajikistan. Russian Journal of Economics, 5 (3) pp. 227-296
2019 The impact of cryptocurrencies market development on banks’ deposits variability in the GCC region. Journal of Financial Economic Policy, 11 (4) pp. 1-24
2019 The impact of zakat distribution on social welfare a case study of Selangor zakat agencies, Malaysia. Al-Shajarah: Journal of The International Institute of Islamic Thought and Civilization (ISTAC), Special Issue: Islamic Banking and Finance () pp. 147-167
2019 Zakót as a financial instrument for poverty reduction and human development from the perspective of maqsôd as-sharô’ah in line with the Qar’ónic tafasôr. Al-Risalah: Journal of Islamic Revealed Knowledge And Human Sciences (ARJIHS), 3 (3) pp.
2018 Exploring the challenges of conventional banking practices and prospects of introducing an Islamic banking in Tajikistan: using qualitative approach. International Journal of Islamic Economics and Finance, 1 (1) pp. 1-24
2018 The prospective of introducing Islamic banking system in Tajikistan: using theory diffusion and innovation (TDI) approach. International Journal of Economics, Commerce and Management, VI (7) pp. 1-20
Conference or Workshop Items

2022 The extent of Kuwaiti Islamic banks restrict the use of Islamic financing tools in their financial operations: a field study. In: International Conference on Business and Technology,
2021 An investigation on the impact of environment factors as constraints on Libyan commercial adoption of Islamic financial transactions using the Neo-Institutional Theory. In: 2nd Kuala Lumpur International Conference on Management and Education,
2021 Explorative study on the role of zakat in achieving equitable wealth distribution tool in Islamic economics.. In: 1st International Research Conference on Shariah Compliant Industries (IRCSCI) “Shariah Compliant Industries: Global Economic Development”,
2021 Exploring the role of the banking industry in promoting the betterment of financial inclusion in Tajikistan. In: International Conference on Islamic Financial Literacy,
2021 The External Environment as Driving To Organizational Change Under Internal Environment's Adaptation: "Empirical Evidence From Commercial Banks’ adoption of Islamic Financial Transactions In Libya”. In: International Conference on Islamic Financial Literacy,
2021 The role of Islamic banks and financial inclusion evidence from Saudi Arabia. In: International Conference on Islamic Financial Literac ( ICiFIL 2021),
2021 دور المشتقات المالية في إدارة مخاطر لدى المؤسسات المالية الإسلامية The role of Islamic Derivatives on Risk management in Islamic Financial Institutions. In: International Conference on Islamic Financial Literacy,
2020 A conceptual paper on developing musharakah mutanaqisah model using zakat fund for empowering Muslims refugees. In: 8th ASEAN Universities International Conference on Islamic Finance (AICIF 2020),
2020 A risk-based supervisory framework for Islamic banks in Nigeria. In: The International Conference on Business and Technology (ICBT 2020),
2020 Developing a conceptual framework on establishing zakat institution to achieve social welfare and well-being of zakat recipients in Somalia. In: International Conference On Islamic Social Finance: Pandemic Crisis And Possible Solutions (ISFPCPS 2020),
2020 Developing the hybrid model (waqf & zakat) for improving the zakat recipients healthcare In Selangor. In: International Conference On Islamic Social Finance: Pandemic Crisis And Possible Solutions (ISFPCPS 2020),
2020 Efficiency and effectiveness of zakat distribution for socio-economic benefits and wellbeing of zakat recipients. In: Islamic Social Finance: Pandemic Crisis and Possible Solutions,
2020 Expanding the financial inclusion frontiers: an assessment of the roles of Developing Eight (D-8) countries financial regulators. In: Conference on Business and Technology (ICBT 2020),
2020 Identification of Asnaf in distress: netizens' roles. In: 12th International Conference on Islamic Economics and Finance "Sustainable Development for Economy",
2020 Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia. In: Conference on Business and Technology (ICBT 2020),
2020 Protecting the interest of profit-sharing investment account holders in Islamic banks: the Nigerian experience. In: Conference on Business and Technology (ICBT 2020),
2020 Social synergy sukuk (double-s sukuk): a solution for pandemic crisis. In: International Conference On Islamic Social Finance: Pandemic Crisis And Possible Solutions (ISFPCPS 2020),
2020 The effect of utilizing zakat fund on financing production to achieving social welfare: in Indonesia as case study. In: International Conference On Islamic Social Finance: Pandemic Crisis And Possible Solutions (ISFPCPS 2020),
2020 The moderating effect of risk tolerance on the intention of profit-sharing investment account holders to patronise Islamic banks in Nigeria: a proposed framework. In: Islamic Social Finance: Pandemic Crisis and Possible Solutions (ISFPCPS 2020),
2019 Developing conceptual framework for zakat distribution impact on social welfare using financial technology and its implications on sustainable development goals (SDGs) in OIC countries. In: 2019 Kedah International Zakat Conferrence,
2019 Future prospect for Islamic education in commonwealth independent states: a historical perspective and a blueprint for the development of Islamic educational institutions. In: IIT Forum Of CIS Scholars From Revealed Knowledge And Social Science Faculties (Islamic Intellectual Thought In The Cis Countries; Past, Present And Way Forward),
Book Sections

2026 Projects towards climate action: Case of BRICS. In: Routledge (Taylor & Francis), ISBN: 9781032944715, pp. 168-177
2026 Projects towards climate action: Case of BRICS. In: Routledge (Taylor & Francis), ISBN: 9781032944715, pp. 168-177
2025 Islamic finance risk analysis and climate change. In: Routledge (Taylor & Francis Group), ISBN: 9781032944715, pp. 229-237
2024 Islamic banking towards sustainable green finance and corporate social responsibility. In: Routledge (Taylor & Francis Group), ISBN: 978-1-032-67291-5, pp. 16-23
2024 Risk factors in Islamic green finance and a corporate solution. In: Routledge (Taylor & Francis Group), ISBN: 978-1-032-67291-5, pp. 213-223
2023 Measuring the customer’s perception of the use of financial technology in Algerian Islamic Banks. In: Springer, ISBN: 978-3-031-27859-4, pp. 533-542
2023 The Presentation and Disclosure of Islamic Banks’ Financial Statements: A Comparative Analysis of IFRS and AAOIFI Financial Accounting Standards. In: Springer, ISBN: 978-3-031-27859-4, pp. 473-482
2021 A risk-based supervisory framework for Islamic banks in Nigeria. In: Springer International Publishing, ISBN: 978-3-030-69221-6, pp. 1426-1520
2021 Developing a conceptual framework for Zakat collection and distribution Impact on social welfare through implications of SDGs. In: IGI Global Publisher, ISBN: , pp. 120-138
2021 Expanding the financial inclusion frontiers: an assessment of the roles of Developing Eight (D-8) countries financial regulators. In: Springer Professional, ISBN: 978-3-030-69220-9, pp. 1521-1535
2021 Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia. In: Springer Nature Switzerland AG, ISBN: 978-3-030-69220-9, pp. 1672-1686
2021 Identifying creditworthiness criterions and financing approval process of Islamic banks in Indonesia. In: Springer Nature Switzerland AG, ISBN: 978-3-030-69220-9, pp. 1672-1686
2021 The role of zakat during pandemic crisis and post recovery (maqāsid al-sharīʽah perspective). In: IGI Global, ISBN: 9781799868118, pp. 1-18
2021 The role of zakat during pandemic crisis and post recovery (maqāsid al-sharīʽah perspective). In: IGI Global, ISBN: 9781799868118, pp. 1-18
Monograph

2025 Ruling 182(1): Amendment to the approval for the underlying structure for Credit Card-i product. In: Al Rajhi Bank Malaysia,
2025 Ruling 188: Prohibited merchant category code for Debit and Credit Card-i. In: Al Rajhi Bank Malaysia,
2025 Ruling 190: Structure of Islamic Cross Currency Swap (ICCS). In: Al Rajhi Bank Malaysia,
2025 Ruling 42(1): Wakalah-Based Shipping Guarantee-i. In: Al Rajhi Bank Malaysia,
2025 Ruling 84(56/1): Personal Financing-i Umrah & Travels. In: Al Rajhi Bank Malaysia,
2024 Ruling 182: Addenda for the implementation of BNM Hajah & Darurah policy document. In: Al Rajhi Bank,
2024 Ruling 182(1): Credit card-i terms and conditions. In: Al Rajhi Bank,