Staff Directory


Habeebullah Zakariyah

Academic Qualifications

  • Ph.D in Islamic Revealed Knowledge and Heritage (Fiqh and Usul Fiqh) - Doctor of Philosophy, International Islamic University Malaysia
  • Master of Islamic Revealed Knowledge - Masters Degree, International Islamic University Malaysia
  • Shariah and Law - Bachelor Degree, Umdurman Islamic University

Habeebullah Zakariyah (Assoc. Prof. Dr.)

Associate Professor
IIUM Gombak Campus

INSTITUTE OF ISLAMIC BANKING AND FINANCE


habzak@iium.edu.my
4182


Area of Specialisation


  • Economics, Business And Management ~ Economics, Business And Management ~ Finance ~ Banking - Islamic banking products and services, Shariah Contracts
  • Social Science ~ Social Science ~ Syariah Law ~ Islamic Banking Law - Takaful and Re-Takaful and Construction contracts
  • Social Science ~ Social Science ~ Law ~ Jurisprudence - Maqasid Shariah, Islamic Commercial Law, Islamic Banking and Finance, Transactions in Islamic Banking and Finance, Islamic Social Finance, Contemporary issues in Zakat, waqf and Sadaqah.


Professional Membership


  • 2019 - 2028 : Member of Profesional Body / Association: (MEMBER), International Council of Islamic Educator
  • 2020 - 2028 : Member of Profesional Body / Association: (Member), Association of Shariah Advisors in Finance


Teaching Responsibilities


AL-UQUD FI AL-MASRAFIYYAH WA AL-MALIYYAH AL-ISLAMIYYAH 2025/2026 2024/2025 2023/2024 2022/2023
ETHICS & FIQH FOR EVERYDAY LIFE 2018/2019
ETHICS AND FIQH OF CONTEMPORARY ISSUES 2024/2025 2019/2020 2018/2019
IDARAH AL-THARWAH AL-ISLAMIYYAH 2025/2026 2024/2025 2023/2024
INTRODUCTION TO PRINCIPLES OF ISLAMIC JURISPRUDENCE 2025/2026 2024/2025
ISLAMIC FINANCIAL SYSTEM 2020/2021 2019/2020 2018/2019
ISLAMIC WEALTH MANAGEMENT 2021/2022 2020/2021 2019/2020
KNOWLEDGE & CIVILIZATION IN ISLAM 2024/2025 2023/2024
PRINCIPLES OF ISLAMIC JURISPRUDENCE 2025/2026 2024/2025 2023/2024 2022/2023 2021/2022 2020/2021 2019/2020 2018/2019
TAKAFUL AND RE-TAKAFUL 2022/2023 2021/2022 2020/2021 2019/2020 2018/2019
TAKAFUL WA IADAH AL-TAKAFUL 2025/2026 2024/2025 2023/2024 2022/2023
THE ISLAMIC WORLDVIEW, KNOWLEDGE AND CIVILIZATION 2018/2019
TRANSACTIONS IN ISLAMIC BANKING AND FINANCE 2021/2022 2020/2021 2019/2020 2018/2019
USUL AL-FIQH AL-ISLAMI 2025/2026 2024/2025 2023/2024 2022/2023
ZAKAT FOR SOCIAL FINANCE 2022/2023 2021/2022 2020/2021
ZAKAT IN SOCIAL FINANCING 2024/2025 2023/2024 2022/2023


Supervision


Exploring A Community-Based Health Micro-Takaful Framework: An Empirical Study On Adoption Determinants In Sudan.
Ph.D Completed 2026 Main Supervisor
Islamic Social Finance Instruments As Financing Mechanism For Female Entrepreneurs In Comoros: An Exploratory Study.
Ph.D Completed 2025 Main Supervisor
العلاقة بين الحوكمة والثقافة في المؤسسات الإسلامية غير الربحية: دراسة تطبيقية في دول الخليج العربي.
The Relationship Between Governance And Culture In Non-Profit Islamic Institutions: An Applied Study In The Arab Gulf Countries.
Ph.D Completed 2025 Main Supervisor
Loan Default Prediction Using Machine Learning: An Empirical Study Of Microfinance Banks In Pakistan.
Ph.D Completed 2025 Main Supervisor
أحكام المعاقين في الشريعة وقانون الإعاقة النيجيري 2018: دراسة حالة ولاية كوارا النيجيرية .
The Rulings Of The People With Disabilities In Sharia And The Nigerian Disability Law 2018: A Case Study Of Kwara State In Nigeria.
Ph.D Completed 2025 Co-supervisor
Cash Waqf Proceeds As Sustainable Funding For Qard Hasan: A New Model For Personal Financing In Malaysia.
Ph.D Completed 2025 Co-supervisor
األموال اجملنبة مبؤسسات الصريفة اإلسالمية يف دولة اإلمارات العربية املتحدة: دراسة شرعية حتليلية.
Provisioned Funds In Islamic Banking Institutions In The United Arab Emirates: An Analytical Shariah Study .
Ph.D Completed 2024 Main Supervisor
نحو مشروع بنك وقفي لتطوير قطاع الأوقاف في إقليم كوردستان العراق، دراسة استكشافية.
Towards A Waqf Bank Project For Developing The Awqaf In The Kurdistan Region - Iraq: An Analytical Study (Arabic) .
Ph.D Completed 2024 Main Supervisor
تقييم دور التدقيق الشرعي الخارجي في المصارف الإسلامية – دراسة تطبيقية تحليلية على المصارف الإسلامية في مملكة البحرين.
Evaluating The Role Of External Sharia Audit In Islamic Banks - An Applied Analytical Study On Islamic Banks In The Kingdom Of Bahrain.
Ph.D Completed 2024 Main Supervisor
فيمؤسسات العمل الخيري الكويتي لإدارة الأصول الوقفيواستثمارها(B.O.Tتطبيق عقود البناء والتشغيل والتحويل.
Implementation Of Build-Operate-Transfer (B.O.T) Contracts In Kuwaiti Charitable Institutions To Manage And Invest Endowment Assets.
Ph.D Completed 2024 Main Supervisor
Agency Problem In Microenterprise Financing Of Baitul Maal Wa Tamwil In Indonesia.
Ph.D Completed 2024 Co-supervisor
Micro-Takaful Adoption In Ethiopia: Specific Reference To Iddirs.
Ph.D Completed 2024 Co-supervisor
تطبيق صندوق الوقف النقدي يف غاان لتطوير جماالت التعليم والرعاية والصحية (دراسة استكشافية.
The Applicability And Prospect Of Cash Waqf Fund In Supporting Education And Healthcare In Ghana: An Exploratory Study(Arabic).
Ph.D Completed 2024 Co-supervisor
Assessing Maqasid Al Shariah In Shariah Contracts Employed By Dubai Islamic Bank (Dib) And Abu Dhabi Islamic Bank (Adib) .
Ph.D Completed 2024 Co-supervisor
Developing A Sustainable Microtakaful Model For The B40 Community In Malaysia.
Ph.D Completed 2024 Co-supervisor
قانون الأحداث القطري: دراسة فقهية تحليلية ميدانية.
Qatar Juvenile Law: A Juristic Analytical Of Field Study.
Ph.D Completed 2024 Co-supervisor
إصدار صكوك المضاربة ضمن أدوات رأس المال التنظيمي وآليات تعزيزها: دراسة فقهية تطبيقية.
Issuing Mudarabah Sukuk As Part Of Regulatory Capital Instruments And Its Enhancement Mechanisms: An Applied Jurisprudential Study .
Ph.D Completed 2024 Co-supervisor
A Study On Shari'Ah Non-Compliant Issues Of Mudharaba Companies In Pakistan.
Ph.D Completed 2023 Main 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 Main Supervisor
اإلجارة املنتهية ابلتمليك يف البنوك اإلسالمية بني املعايري الشرعية والقوانني الوضعية واألحكام القضائية يف مملكة البحرين.
Ijara Muntahia Biltamleek In Islami Banks, Between Sharia Standard, Statutory Laws And Judicial Rulings In Kingdom Of Bahrain.
Ph.D Completed 2023 Main Supervisor
Determinants Of Household Indebtedness And The Role Of Al-Gharimin Institution In Malaysia.
Ph.D Completed 2023 Co-supervisor
إمكانية تطبيق صيغ الإجارة بمصرف التنمية الصناعية الليبي كأداة تمويلية للشركات الصناعية.
The Possibility Of Using Islamic Financing Tools Based On Al-Ijarah To Finance Companies As An Alternative To Industrial Loan In Libya: An Applied Analytical Study (Arabic).
Ph.D Completed 2023 Co-supervisor
كتاب «البهجة والإفادة على نظم السعادة الوسطى» للشيخ ابن سليم الولاتي: دراسة وتحقيق Al-Bahgah wa Al-Ifadah Ala Nazmu al-Sa'adah al-Wustah of Sheikh Ibn Salim al-Walati: A Critical editing Study.
Al-Bahgah Wa Al-Ifadah Ala Nazmu Al-Sa'Adah Al-Wustah Of Sheikh Ibn Salim Al-Walati: A Critical Editing Study.
Ph.D Completed 2023 Co-supervisor
التمويل الاجتماعي وأثره في تحقيق التنمية المستدامة في قطر: دراسة تحليلية.
Social Finance And Its Effect On Actualization Of Sustainable Development In Qatar: An Analytical Study.
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 Co-supervisor
واقع وتحديات إصدارات الصكوك في المملكة العربية السعودية وأثرها على منو آلستثمار احمللي ‏اإلمجايل .
The Reality And Challenges Of Sukuk Issuances In The Kingdom Of Saudi Arabia And Their Impact On The Growth Of Gross Domestic Investment .
Ph.D Completed 2021 Co-supervisor
الفساد المالي في دولة الكويت أطر محاربته وفق الشريعة والقانون.
Financial Corruption In The State Of Kuwait And Frameworks For Combating It In Accordance With Sharia And Law.
Ph.D Completed 2021 Co-supervisor
تطهير المصارف الإسلامية من المال الحرام (الأموال المجنبة) مملكة البحرين نموذجًا.
Purifying Islamic Banks From Prohibited Funds (Provisioned Funds) Kingdom Of Bahrain As A Model.
Ph.D Completed 2021 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 Main Supervisor
مقترح إنشاء صندوق وقف تعليمي لأبناء اللاجئين الارتريين.
Proposal To Establish An Educational Endowment Fund For The Children Of Eritrean Refugees ( In Arabic).
Ph.D In Progress Main Supervisor
Food Afffecting Zakat Management For Enhancement Recepients Financial Sustainability: A Case Of North District North Region Unguga (Zanzibar).
Ph.D In Progress Main Supervisor
AN EMPIRICAL STUDY OF COVID-19 BETWEEN SHARI’A STANDARDS, STATUTORY FORCE MAJEURE AND ITS IMPACT ON DEFERRED FINANCING CONTRACTS, LAWS AND REGULATORY REQUIREMENTS IN THE KINGDOM OF BAHRAIN.
An Empirical Study Of Covid-19 Between Shari’A Standards, Statutory Force Majeure And Its Impact On Deferred Financing Contracts, Laws And Regulatory Requirements In The Kingdom Of Bahrain.
Ph.D In Progress Main Supervisor
Perceptions Of Zakah And Waqf Stakeholders On Their Impact On Poverty Alleviation In Katsina State, Nigeria.
Ph.D In Progress Main Supervisor
Determinant On Loan Repayment Intentionamong Bangladeshi Micro Credit Borrowers With The Mediating Role Of Trust And Moderated By Religiosity.
Ph.D In Progress Main Supervisor
دور المصرفية الإسلامية البحرينية في تطوير الأموال الوقفية في ضوء التجربة الماليزية: دراسة تحليلية مقاصدية.
Developing The Awqaf Sector In The Kingdom Of Bahrain Through Islamic Banks And Comparing It With The Malaysian Experience: An Intentional Analytical Study.
Ph.D In Progress Main Supervisor
المرابحة للآمر بالشراء وتطبيقاتها في المصارف الإسلامية القطرية دراسة تقويمية.
Murabaha By Purchase Order And Its Applications In Qatari Islamic Banks An Evaluation Study .
Ph.D In Progress Main Supervisor
متطلبات العرض واإلفصاح احملاسيب املالءمة ألصحاب املصلحة يف املؤسسات الوقفية يف اململكة العربية السعودية: دراسة استكشافية ميدانية.
Development Of An Accounting Framework (For Presentation And Disclosure) In Waqf Institutions In The Kingdom Of Saudia Arabia (Arabic).
Ph.D In Progress Main Supervisor
Application Of Hibah Collateral For Encumbered Property:An Analytical Shariah Study.
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 Main Supervisor
دور تطبیقات الذكاء الاصطناعي في تحقيق الميزة التنافسية دراسة مقارنة بين البنوك الجزائرية البنوك التقلیدیة و الاسلامية.
The Role Of Artificial Intelligence Applications In Achieving Competitive Advantage In Banks Algerian: A Comparative Study Between Conventional And Islamic Banks.
Ph.D In Progress Main Supervisor
The Effect Of Debt-Based Financing On The Performance Of Islamic Banks Based On Maqasid Al-Sharia.
Ph.D In Progress Co-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 Co-supervisor
Evaluating The Factors Influencing The Effectiveness Of Shariah Governance Control Functions In Nigerian Non-Interest Banks.
Ph.D In Progress Co-supervisor
Emerging Banking Technologies Strategy For Adoption Of Islamic Financial Services .
Ph.D In Progress Co-supervisor
Sustainable Education Funding For The Islamic Schools In The Muslims Community Of Texas.
Ph.D In Progress Co-supervisor
Determinants Of Non-Performing Financing: Evidence From Asian Countries.
Ph.D In Progress Co-supervisor
Investigating The Reasons Behind Reducing The Use Of Bai’Ah Inah Amalysia.
Master Completed 2025 Main Supervisor
The Zakat Receiver'S Perception Toward Zakat Distribution In Zanzibar.
Master Completed 2025 Main Supervisor
The Impact Of Islamic Banking Products On The Performance Of Small And Medium-Sized Enterprises In Somalia.
Master Completed 2025 Main Supervisor
The Impact Of Accepting Shariah Non-Compliant Deposits On Operational Risk In Islamic Banks.
Master Completed 2025 Main Supervisor
Akad Fasid And Batil In Malaysian Islamic Banking Transactions: A Study On Their Practicality And Methods For Addressing The Issue.
Master Completed 2024 Main Supervisor
الوقفية في المملكة العربية السعودية وسبل تعزيزها )أوقاف الحرمين أنموذج ا.
Waqf Institutions In The Kingdom Of Saudi Arabia And Ways To Enhance Them (Waqf Haramain As Case Study).
Master Completed 2024 Main Supervisor
Potentials And Challenges Of Exploring Zakat Towards Actualizing Poverty Reduction In Southwestern Nigeria.
Master Completed 2024 Main Supervisor
Empirical Analysis On The Issues Of Encumbered Property Upon Demise Of The House Owner: A Shariah Perspective.
Master Completed 2024 Main Supervisor
Shariah Governance Analysis Of Board And Shariah Committee Duties And Challenges In Malaysia Compared To Saudi Arabic And The U.A.E.
Master Completed 2023 Main Supervisor
An Exploration Of Smart Contract In Mudarabah And Musharakah Financing Products By Islamic Banks In Malaysia .
Master Completed 2023 Main Supervisor
An Exploratory Study On The Opportunitiesand Challenges Towards The Establishmentof Islamic Banking In Côte D'Ivoire.
Master Completed 2023 Main Supervisor
Factors Influencing Customer'S Acceptance Of Islamic Banking Products And Services In Côte D'Ivoire (Ivory Coast) .
Master Completed 2023 Main Supervisor
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Islamic Legal Rulings For Delivery Applications.
Master Completed 2023 Main Supervisor
The Role Of Islamic Banks In Financing Small And Medium Enterprises (Smes) In Somalia.
Master Completed 2023 Main Supervisor
The Relationship Between Credit Risk Management And Financial Performance Of Dahabshil Bank Somalia.
Master Completed 2023 Main Supervisor
Poverty Alleviation Through Sadaqah-Based Crowdfunding In Bangladesh.
Master Completed 2022 Main Supervisor
Factors Influencing Participanct’S Intention To Adopt Islamic Insurance (Takaful) In Somalia.
Master Completed 2022 Main Supervisor
An Exploratory Study On The Challenges Hindering Islamic Microfinance Banks'Sustainable Financial Inclusion: A Case Of Al-Hayat Microfinance Bank Inogun State, Nigeria..
Master Completed 2022 Main Supervisor
An Exploratory Study On The Effeciency And Effectiveness Of Cash Waqf Management By The Private Waqf Institution In Malaysia.
Master Completed 2021 Main Supervisor
Developing A Framework On Islamic Microfinance As An Alternative Tool For Aleviating Poverty In The Gambia.
Master Completed 2021 Main Supervisor
القبض الحكمي وتطبيقاته المعاصرة :دراسة تقويمية.
Alternative Delivery In Its Application In The Contemporary Financial Transactions: An Evaluative Study .
Master Completed 2021 Main Supervisor
Exploring The Challenges Of Adoption Of Islamic Banking Products In The State Of Pennsylvania, United States Of America.
Master Completed 2021 Main Supervisor
Takaful Perception In Turkey From Consumer Perspective.
Master Completed 2021 Main Supervisor
Implementing Islamic P2p Crowdfunding For Smes Empowerment In Morocco.
Master Completed 2021 Main Supervisor
Measuring People’S Takaful Awareness Level In Somalia /Somaliland.
Master Completed 2021 Main Supervisor
Exploring Waqf Management Strategic In The Republic Of Guinea “Reading The Experience Of Four Selected Countries (Kuwait, Indonesia, Malaysia And Singapore” .
Master Completed 2021 Main Supervisor
تحول نظام البنوك التجارية الليبية إلى النظام المصرفي الإسلامي تحديات آفاق.
Convert In Libyan Commerical Banks To Islamic Banking System Challenges And Prospect.
Master Completed 2021 Co-supervisor
تحديات المؤسسات الخيرية في تمويل المشروعات الصغيرة ومقترحات لمواجهتها في قطاع غزة.
The Impact Of Microfinance On Mechanism In Preserving Foundings Sources.
Master Completed 2020 Main Supervisor
المسائل الشرعية المتعلقة بالمحافظ الاستثمارية (دراسة تحليلية تأصيلية) .
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Master Completed 2020 Main Supervisor
Covid-19, The Contribution Of Islamic Finance: The Case Of Malaysia.
Master Completed 2020 Main Supervisor
لقضايا الشرعية في توزيع الفائض التأميني في شركات التكافل (دراسة تحليلية ).
Shariah Issues And Challenges In Surplus Sharing In Takaful Industry.
Master Completed 2020 Main Supervisor
Expanding Waqf Collection And Performance Through Fintech: The Industry 4.0 Wave.
Master Completed 2020 Main Supervisor
إدارة استثمارات الوقف في ليبيا: التغييرات والحلول.
Managing Of Waqf Investments In Libya : Challanges And Solutions.
Master Completed 2020 Main Supervisor
The Potential Establishment Of Cash Waqf In Senegal : A Study Based On Malaysian Experience.
Master Completed 2019 Co-supervisor
Waqf As A Source Of Financing For Smes In Lagos State, Nigeria: Challenges And Opportunities .
Master In Progress Main Supervisor


Research Projects


Completed
2023 - 2024 Value-Based Intermediation for Takaful Operator in Malaysia: Opportunities and Challenges
2023 - 2025 The Potential Shariah, Legal and Practical Issues in the Issuance of Sukuk Waqf in Malaysia
2023 - 2025 The Potential Sukuk Structures for the Issuance of Sukuk Waqf in Malaysia
2023 - 2025 The Processes of Issuing Sukuk Waqf in Malaysia and the Role of Majlis Agama Islam and Securities Commission
2023 - 2025 An Exploratory Research on the Issuance of Sukuk Waqf in Malaysia
2023 - 2025 A Bibliometric Analysis of Sukuk Waqf
2022 - 2023 Islamic Wealth Management: A Systematic Literature Review and Framework for Advance Research Plan
2021 - 2023 EXPLORING THE POTENTIAL OF USING ZAK?T COLLECTION FOR THE PURPOSE OF EXTENDING MICRO FINANCE TO THE RECIPIENTS OF ZAK?T
2019 - 2022 Expanding the Waqf Collections and Performance Through Fintech: The Industry 4.0 Wave
On-Going
2025 - Present Reconciling Operational Necessities with the Principle of Habs al-Asl in Cash Waqf Practices
2025 - Present Evaluating the Transferability of Investment Account Products and Alignment with Current Product Features
2025 - Present EXPLORING THE POSSIBILITY OF NON-MUSLIM BENEFITTING FROM ZAK?T FUND
2025 - Present Assessment of IA Product Features, Contractual Relationships, and Asset Status in a Resolution Context
2025 - Present Transfer of Investment Account (IA) Portfolios from a Failed Islamic Bank During Failure Resolution
2025 - Present A Fiqhi Evaluation of Waqf Mu?aqqat (Temporary Waqf) and its Contemporary Applications in Islamic Finance
2025 - Present A Fiqhi Evaluation of Waqf Mu?aqqat (Temporary Waqf) and its Contemporary Applications in Islamic Finance
2025 - Present A Comparative Fiqhi Analysis of Direct Cash Waqf and Cash Waqf via Property Conversion in Contemporary Islamic Finance.
2025 - Present A Comparative Fiqhi Analysis of Direct Cash Waqf and Cash Waqf via Property Conversion in Contemporary Islamic Finance.
2025 - Present Innovative Mechanisms for Ensuring the Preservation of Principal (?abs Al-??l) in Contemporary Cash Waqf Models Implemented by Islamic Banks
2025 - Present Transfer of Investment Account (IA) Portfolios During Business-As-Usual Situations: Scope and Considerations
2025 - Present Investment of Cash Waqf in Equity Markets: Redefining Capital Preservation and Dividend Distribution in Accordance with Shar??ah Principles
2025 - Present Cash Waqf Structure and Its Current Application in Islamic Banks and Moving Forward
2025 - Present Proposed Shariah-Compliant Mechanisms for IA Portfolio Transfer During Islamic Bank Resolution
2024 - Present Takaful Models and Structures
2024 - Present Interactive E-Book Design for TAKAFUL Terminologies
2024 - Present User Evaluation of Takaful Terminologies E-Book for Takaful Industry
2024 - Present Takaful Terminologies for Takaful Industry
2020 - Present Interpretation of the Holy Quran Connecting it to Contemporary Issues


Awards & Recognition


10 Oct, 2024 TOP 30 Contributors to IIUM`s Research Performance - International Islamic University Malaysia University
09 Aug, 2022 AWESOME PERSONALITY AWARD - IIUM INSTITUTE OF ISLAMIC BANKING AND FINANCE KCDIO
09 Aug, 2022 Student & Community Engagement Award - IIUM INSTITUTE OF ISLAMIC BANKING AND FINANCE KCDIO
28 Jun, 2021 PROMISING AWARD FOR RESEARCH 2020 - IIUM Institute of Islamic Banking and Finance KCDIO
30 Sep, 2020 Best Paper Award - Universiti Utara Malaysia (UUM) National


Publications


Articles

2025 Challenges and opportunities in the global expansion of Islamic banking. Journal of Management Practices, Humanities and Social Sciences (JMPHSS), 9 (1) pp. 36-44
2025 Distribution of zakāt to non-muslims in the category of Al-Mu’allafah Qulūbuhum and its application in modern time. Journal of Islamic Finance, 14 (2) pp. 17-29
2025 Female entrepreneurs owning small businesses in the agriculture sector in Comoros, Africa: challenges faced in the conventional system. Journal of Muamalat and Islamic Finance Research, 22 (2) pp. 57-72
2025 Implementation of zakat and waqf in Comoros: an empirical assessment. Al-Hikmah International Journal of Islamic Studies and Human Sciences, 8 (4) pp. 31-53
2025 Risk management framework in zakat-based Islamic microfinance. Etihad: Journal of Islamic Banking and Finance, 5 (1) pp. 58-75
2025 Smart sukuk as a mechanism for developing and mobilizing waqf resources in the age of digital technology. AL AWQAF JOURNAL, 6 (2) pp. 194-225
2025 The potential for micro-takaful in Sudan: understanding public perception and adoption challenges. Journal of Islamic Finance, 14 (1) pp. 112-127
2025 The role of cultural dimensions in shaping governance practices in non-profit organizations. Journal of Emerging Economies and Islamic Research, 13 (1) pp. 1-21
2025 Usages of artificial intelligence in forecasting and strategic analysis of customer needs in the banking sector. International Journal of Academic Research in Accounting, Finance and Management Sciences, 15 (4) pp. 120-137
2025 الضوابط القرآنية في معالجة الفكر الجمعي: دراسة موضوعية في المنهج والمقاصد = Qur’anic guidelines for regulating collective thought: a thematic study of method and maqāṣid. Al-Hikmah International Journal for Islamic Studies and Human Sciences, 8 (4) pp. 246 - 282
2024 Assessing the need for a presentation and disclosure Accounting Standard for Waqf in Saudi Arabia. SRA International Arabic Journal of Islamic Finance (IJIF-Arabic), 15 (2) pp. 25-45
2024 Islamic wealth management towards sustainable development: a state-of-the-art analysis. Journal of Emerging Economies and Islamic Research, 12 (2) pp. 1-17
2024 Islamic wealth management: a bibliometric analysis of major dimensions and future research plan. Intellectual Discourse, 32 (2) pp. 551-583
2024 Loan default prediction using machine learning algorithms: a systematic literature review 2020 -2023. Pakistan Journal of Life and Social Sciences, 24 (2) pp. 6234-6353
2024 Qualitative study on the factors affecting the occurrence of agency problem in microenterprise financing in Baitul Maal wa Tamwil. Journal of Islamic Economic and Business Research, 4 (2) pp. 264-281
2024 The possibility of establishing an endowment (Waqf) from the Islamic financial institutions’ provisioned funds in the United Arab Emirates. International Journal of Islamic and Middle Eastern Finance and Management, () pp. 1-16
2024 The role of zakat institutions during Covid-19 pandemic to enhance the well being of asnaf in Malaysia (MAIWP as a case study). Al-Qanatir: International Journal of Islamic Studies, 33 (2) pp. 108-119
2024 أثر تطبيق عقود (B.O.T) على إدارة واستثمار الأصول الوقفية في المؤسسات الخيرية الكويتية The impact of applying B.O.T contracts on the management and investment of Alwaqf assets in Kuwaiti charitable institutions. ISRA International Arabic Journal of Islamic Finance, 15 (2) pp. 25-45
2024 استخدام عقود البناء والتشغيل ونقل الملكية في المؤسّسات الخيرية الكويتية لإدارة أصول الوقف: التحديات والحلول = Using Build-Operate-Transfer (B.O.T.) contracts in Kuwaiti charitable institutions to manage endowment assets (challenges and solutions). Al-Qanatir: International Journal of Islamic Studies., Vol. 33. (No. 6.) pp.
2024 الأموال المجنبة بالمؤسسات المالية الإسلامية: مفهومها، الأحكام الشرعية المتعلقة بتحصيلها وأحوال الاستفادة منها = Provisioned funds in Islamic financial institutions: their concept, Shariah rulings related to their collection, and conditions for benefiting from them. al-Qanatir: International Journal of Islamic Studies, () pp.
2024 الإجارة المنتهية بالتمليك بين المعايير الشرعية للأيوفي والقانون المدني البحريني :دراسة شرعية قانونية = Ijārah Al-Muntahiyyah Bi Al-Tamlīk between AAOIFI Shariah standards and Bahraini Civil Law: a shariah and legal study. Al-Qanatir:International Journal of Islamic Studies., 33 (1) pp. 137-173
2024 نشأة هيئات الرقابة الشرعية المركزية ودورها في تنظيم العمل المصرفي الإسلامي وأثر قراراتها: دولة الإمارات العربية المتحدة نموذجا = The emergence of central Shariah supervisory bodies, their role in regulating Islamic banking sector and the impact of their decisions: The United Arab Emirates as an example. Al-Qanatir: International Journal of Islamic Studies., 33 (4) pp. 422-437
2023 Al-gharimin agency: A new wing of Islamic social finance. Journal of Islamic Social Finance, 1 (1) pp. 24-39
2023 Behavioural intention of zakat participants towards the zakat fund in Morocco. ISRA International Journal of Islamic Finance, 15 (1) pp. 36-53
2023 Community-based health insurance: a comprehensive review of literature and lessons for future development. International Journal of Advanced Research in Economics and Finance, 5 (3) pp. 313-319
2023 Households’ over-indebtedness: an explanation from a shari‘ah perspective. Jurnal Syariah, 31 (2) pp. 102-136
2023 Ownership transfer of digital assets in Islamic wealth management: a juristic analysis. Journal of Emerging Economies and Islamic Research, 11 (3) pp. 36-47
2023 Remodeling Qard Hasan with cash waqf fund: economic stability solution post Covid-19. AZKA International Journal of Zakat and Social Finance, 4 (2 (Special Issue)) pp. 1-23
2023 The determinants of financial technology adoption amongst Malaysian waqf institutions. International Journal of Social Economics, 50 (9) pp. 1302-1322
2023 The implication of agency theory in micro-business financing of sharia cooperatives in Indonesia. International Journal of Advanced Research in Economics and Finance, 5 (3) pp. 248-256
2023 Waqf funds for higher education in Malaysia and Bahrain: drawing lessons from the experience. Milkiyah: Jurnal Hukum Ekonomi Syariah, 2 (2) pp. 105-114
2023 أحكام انتهاء العقد بين المعايير الشرعية والقانون المدني البحريني Provisions for termination of a contract between Sharia standards and Bahraini civil law. JOURNAL OF ISLAMIC SHARIAH, 3 (2) pp. 55-78
2023 التدابير الوقائية والاحترازية للحدث في قانون الأحداث القطري والفقه الإسلامي: دراسة تحليلية = Preventive and precautionary measures for 'the child' between the Qatari child law and the Islamic jurisprudence: an analytical study. Al-Hikmah International Journal of Islamic Studies and Human Sciences, 6 (2) pp. 155-189
2023 الضوابط الفقهية المتعلق بالدائن دراسة تحليلية = The Islamic Jurisprudential principles related to the creditor: an analytical study. Journal of Islamic Shariah, 3 (1) pp. 25-56
2023 تقييم مدى قيام مكتب التدقيق الشرعي الخارجي بمسؤوليته تجاه المصارف الإسلامية في مملكة البحرين = Assessing the external Sharia audit office's fulfillment of its responsibilities towards Islamic banks in the Kingdom of Bahrain. International Journal of Al-Turath in Islamic Wealth and Finance, 4 (2) pp. 1-20
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 Challenges hindering Islamic microfinance banks’ sustainable financial inclusion: a case of Al-Hayat microfinance bank in Ogun State, Nigeria. El Barka: Journal of Islamic Economics and Business, 5 (1) pp. 24-50
2022 Enhancing Waqf management through fintech in Malaysia: a conceptual framework on the Technology Acceptance Model (TAM). Journal of Emerging Economies and Islamic Research, 10 (2) pp. 62-73
2022 Eradicating poverty and hunger, providing health services and quality education through Islamic social finance: Qatar as a model. Journal of Islamic Shariah, 2 (1) pp. 20-62
2022 الأحكام العامة للعقد بين المعايير الشرعية للأيوفي والقانون المدني البحريني:دراسة تحليلية مقارنة = General provisions of contract between AAOIFI Sharia standards and Bahraini Civil Law: a comparative analytical study. ULUM ISLAMIYYAH, Vol.34 (No.3) pp.
2022 صيغة الإجارة كأداة من أدوات التمويل الشرعي للشركات الصناعية في ليبيا دراسة حالة مصرف التنمية الصناعية في ليبيا = Ijarah formula as a tool of Sharia financing for industrial companies in Libya: case study of the industrial development bank in Libya. Al-Qanatir: International Journal of Islamic Studies, 28 (1) pp. 59-81
2022 وقف النقود يف التاريخ اإلسالمي: دراسة استكشافية. Humanities & Natural Sciences Journal, 3 (9) pp.
2021 Challenges of condition of waqif in using waqf as a relief tool to fight against the covid-19 pandemic .....................................................تحديات شرط الواقف في استخدام الوقف لمواجهة الجائحة العالمية كوفيد-19. Malaysian Journal of Syariah and Law (MJSL), 9 (1) pp. 125-136
2021 Cyber security and maqasid al- shariah: a case of facebook application. International Research Journal Of Shariah, Muamalat And Islam (IRJSMI), 3 (6) pp. 12-25
2021 Halal Financing in the COVID-19 Pandemic: Analysis of Rukhṣohon Halal Transactions. Journal of Islamic Finance, 10 (1) pp. 61-66
2021 Halal Financing in the COVID-19Pandemic: Analysis of Rukhṣoh on Halal Transactions. Journal of Islamic Finance, IIUM Institute of Islamic Banking and Finance, 10 (1) pp. 61-66
2021 Informal Insurance Arrangements in Ethiopia: A Literature Review. Asian Journal of Research in Business and Management, 3 (3) pp. 210-219
2021 Islamic financial planning: towards sustaining the financial wellbeing of Muslim families in Malaysia post Covid-19. Turkish Journal of Islamic Economics, 8 (Special Issue) pp. 355-376
2021 Providing Qard Hasan from zakat fund for non-recipients of zakat: a shariah analysis study: منح القرض الحسن من صندوق الزكاة لغير الأصناف: دراسة فقهية تحليلية. Al-Rashad Journal of Islamic Finance, 2 (2) pp. 89-105
2021 Zakat on investment portfolios: a fiqhi Ta’sili studies كيفية إخراج زكاة المحافظ االاستثمارية: دراسة فقهية تأصيلية. Journal of Islam in Asia, 18 (1) pp. 94-114
2021 آلية التسعير ومنحنى العائد لإصدارات الصكوك في المملكة العربية السعودية = Pricing mechanism and yield curve for Sukuk issuances in Saudi Arabia. Journal of King Abdulaziz University: Islamic Economics, 34 (3) pp. 3-28
2020 A synthesis of the Islamic social finance for sustainable Islamic social enterprise: a four factor of production frame. Journal of Critical Reviews, 7 (19) pp. 6188-6199
2020 Ighlāq al-masājid man’an lī intishār fayrūs corona dirāsah taḥlīlīyah fī ḍaw’ maqāṣid al-sharī`ah. Al-Ihkam: Jurnal Hukum dan Pranata Sosial, 15 (2) pp. 326-350
2020 Poverty eradication in the light of Quran and Sunnah: a maqassid approach. Al-Hikmah International Journal For Islamic Studies and Human Sciences, 3 (3) pp.
2020 Risk of guarantee, addication and restitution in sovereign sukuk: a case study of sukuk of state of cote d'ivoire sukuk = مخاطر الضمان، الاسترداد والتنازل في الصكوك السيادية: دراسة حالة صكوك كوديفوار. Al-Qanatir: International Journal of Islamic Studies, 17 (1) pp. 59-84
2020 إدراج وتداول الصكوك في السوك الثانوية: دراسة حالة المملكة العربية السعودية = Listing and trading of Sukuk in the secondary market: a case study of the Kingdom of Saudi Arabia. مجملة دراسات في العلوم إلانسانية والاجتماعية, 3 (26) pp. 555-579
2020 اتجاه القُصّاص والإخباريين في التفسير القرآني: "دراسة نقدية = The approach of the myth-tellers in the interpretation of the Qur'an: “a critical study”. مجلة الدراسات الإسلامية المعاصرة, 1 (1) pp. 59-87
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 الإمام ابن الأثير وكتابه النهاية في غريب الحديث والأثر دراسة وصفية. = Ibn al-Athīr and his book al-Nihāyah fi Gharīb Al-Hadiīth wa al-Athar “a descriptive study”. مجلة الدراسات الإسلامية المعاصرة, 1 (1) pp. 36-58
2020 التأمين المعاصر : الصور والبدائل والأحكام. مجلة الدراسات الإسلامية المعاصرة, 1 (1) pp. 1-19
2020 التمويل العقاري في مصرف الراجحي في ماليزيا: دراسة فقهية تقويمية = Home-financing in bank Rajihi Malaysia: a evaluative juristic study. مجلة دراسات في العلوم الإنسانية والاجتماعية المجلد = Journal of studies in the humanities and social sciences, 3 (5 (28) Part 2) pp. 544-576
2020 دور التمويل الإجتماعي الإسلامي في تحقيق أهداف التنمية المستدامة: صندوق الزكاة نموذجا = The role of Islamic social finance in achieving sustainable development goals: zakat fund as a case study. International journal of Zakat and Philanthropy, 2 (1) pp. 237-243
2020 صرف أموال انزكاة في انتكافم انصحي انمصغر: دراسة فقهية = Using zakat funds as contributions for micro-health takaful: a shariah perspective = Permasalahan syarak dalam mengeluarkan dana zakat untuk tujuan takaful kesihatan mikro. Journal of Islam in Asia, 17 (2) pp. 1-20
2020 ظاهرة الزواج المختلط (زواج ملايوية بصيني في ماليزيا): مشكلاتها وحلولها في إطار مقاصد الشريعة = The phenomenon of mixed marriage (marriage between Melayu and Chinese in Malaysia): its challenges and solutions in the framework of maqasid al-shariah = Perkahwinan campur Melayu-Cina di Malaysia: permasalahan dan solusi menurut maqasid shariah. Journal of Islam in Asia, 17 (3) pp. 40-79
2019 Analysis of sukuk cross-default clause: a fiqh perspective. Journal of Islamic Finance, 8 (2) pp. 50-57
2019 Analysis of Sukuk Cross-Default Clause: A Fiqh Perspective. Journal Of Islamic Finance, 8 (2) pp. 50-57
2019 Contemporary issues and challenges faced by the takaful industry in Malaysia. Al Hikmah International Journal of Islamic Studies and Human Sciences, 2 (4) pp. 123-135
2019 The role of the digital world and its effect in realization of the objectives of the Islamic economy: a juristic study - دور العالم الرقمي وأثره في تحقيق أهداف االقتصاد اإلسالمي: دراسة فقهية. International Journal of Fiqh and Usul al-Fiqh Studies (IJFUS), 3 (2) pp. 58-66
2019 Utilization of zakat fund for social development: reading from Islamic wealth management perspective. Journal of Fatwa Management and Research, 18 (3) pp. 313-334
2019 خطاب الضمان في مصرف الراجحي بماليزيا دراسة فقهية تقويمية = Letter of guarantee in Al-Rajhi Bank Malaysia: a juristic evaluative study = Surat jaminan di Bank Al-Rajhi Malaysia: kajian penilaian jurisprudensi. Journal of Islam in Asia, 16 (3) pp. 1-21
2019 صيغة بيع العينة حقيقتها ومشروعيتها كما تجريها البنوك الإسلامية. Academic Journal of Research and Scientific Publishing-المجلة األكاديمية لألبحاث والنشر العلمي, 8 () pp. 1-15
2018 The power of a man to beat his wife: a critical study of the book “Darb al-Mar’ah” of Abdul Hamid Abu Sulayman = سلطة الرجل في ضرب زوجته الناشز:دراسة نقدية لكتاب "ضرب المرأة" لعبد الحميد أبي سليمان. Al-Qanatir: International Journal of Islamic Studies, 10 (1) pp. 63-77
2018 المسائل التي خالف فيها قانون الأسرة القطري مذهب الإمام أحمد بن حنبل ـ في المواد القانونية المتعلقة بالطلاق البدعي أنموذجا. International Journal of `Umrānic Studies, 1 (1) pp. 91-105
2017 Jamal Al-Banna`s position on Islamic legal rulings of Hijab and apostasy. International Journal of Humanities and Social Science Research, 3 (11) pp. 32-35
2016 تعدد الزوجات في الخطاب القرآني: دراسة تحليلة في ضوء مقاصد الشريعة = Polygamy in Qur’anic injunctions: an analytical study in the light of objectives of shari‘ah = Poligami dalam injunksi Al-Quran. Journal of Islam in Asia, 13 (2) pp. 1-25
2016 حركة "الأخوات في الإسلام" في ماليزيا وتعاملهن مع النص القرآني: آية الحجاب نموذجا. وحدة الأمة مجلة علمية عربية دولية محكمة نصف سنوية, 6 () pp. 148-165
2013 أثر التضخم في العلاقات الدائنية والمديونية: دراسة فقهية. Journal of Islamic and Human Advanced Research, 3 (4) pp. 131-145
Conference or Workshop Items

2024 Importance of financial literacy and awareness in microtakaful: implications for industry stakeholders. In: 3rd International Conference On Islamic Economics 2024 (ICONIE 2024),
2022 Contemporary developments in Waqf beneficiaries—a case study of the Awqaf of the United Arab Emirates. In: International Conference on Business and Technology, ICBT 2021,
2022 Enhancing socio-economic potential of Zakat through donation-based crowdfunding model in Bangladesh. In: International Conference on Business and Technology, ICBT 2021,
2022 Exploring the potential of using the zakat fund in structuring Islamic micro takaful. In: International Conference on Business and Technology, ICBT 2021,
2022 Improving microtakaful offering through stakeholders’ collaboration: critical analysis using systematic literature review. In: 10th ASEAN International Conference on Islamic Finance (10th AICIF 2022),
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 Drop Shipping in the Supply Chain: Fiqh Perspective. In: The International Conference on Business and Technology (ICBT 2020),
2021 Enhancing socio-economic potential of Zakat through donation-based crowdfunding model in Bangladesh. In: The International Conference on Business and Technology (ICBT 2021),
2021 Exploring consumers perspective of takaful in Turkey. In: 1st Karatay International Conference on Islamic Economics and Finance (KARCIEF),
2021 Exploring the potential of using the zakat fund in structuring Islamic micro takaful. In: The International Conference on Business and Technology ICBT 2021,
2021 The challenges of developing the Saudi sukuk market in line with objectives of Vision 2030. In: The International Conference on Business and Technology (ICBT 2020),
2021 التلقيح الإجباري لمواجهة الجائحة العالمية كوفيد-19 : دراسة فقهية. In: المؤتمر الدولي الشريعة والتحديات المعاصرة,
2021 التمويل الاجتماعي الإسلامي ودوره في التمويلات الشخصية. In: مؤتمر وجائزة المؤسسات المالية والمصارف الإسلامية السادس للشراكة والمسؤولية المجتمعية لعام 2021م : نحو معالجات مسؤولة للمصارف الإسلامية تجاه عملاء التمويلات الشخصية المتعثر سدادها,
2020 A comparative performance analysis of Islamic & conventional banking: a case study of Pakistan. In: The International Conference on Business and Technology (ICBT 2020),
2020 A perspective from Islamic moral economy: Maqāṣid al-Sharī‘ah vs sustainable development goals. In: Islamic Moral Economy and Finance,
2020 Cyber security and Maqasid Al-shariah: a case of Facebook application. In: International Conference on Multidisciplinary Approaches in Social Sciences, Islamic & Technology 2020 (ICMASIT 2020),
2020 Financing social enterprises through cash waqf: An Innovation of business model. In: Islamic Social Finance Outreach Programme (ISFO 2020),
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 Waqf potentials as a relief tool during Covid-19 lockdown in Lagos, Nigeria. In: The International Conference on Business and Technology (ICBT 2020),
2020 إغلاق المساجد منعا لانتشار فيروس كورونا "كوفيد19": دراسة تحليلية في ضوء مقاصد الشريعة = The closure of mosques to curtail the spread of Covid-19: an analytical study in the light of maqasid al-shari’ah. In: 1st International Conference in Islamic Law and Civilization (ICILAC 2020),
2020 التحديات الشرعية في استخدام الوقف لمواجهة الجائحة العالمية كوفيد-19 = Shariah issues in using Waqf as a relief tool during Covid-19 pandemic. In: 8th ASEAN Universities International Conference on Islamic Finance (8th AICIF) 2020,
2020 الرقابة الشرعية على البنوك الإسلامية دراسة تحليلية نقدية = Shari'a supervisory of Islamic banks a critical analytical study. In: The International Conference on Business and Technology (ICBT 2020),
2020 المصلحة وضوابطها في تطبيقات المعاملات المالية والمصرفية المعاصرة. In: 15th International Sharīʿah Scholars Forum (2020),
2020 توظيف صندوق الزكاة في هيكلة التأمين التكافلي المصغر بديلا عن الهياكل الموجودة = Using the Zakat fund in structuring Islamic micro Takaful model as an alternative for the existing models. In: 3rd UUM International Islamic Business Management Conference 2020,
2020 دور الزكاة كآلية لمواجهة الجائحة العالمية كوفيد-19: دراسة فقهية = The role of zakat as a relief tool during Covid-19 pandemic: a Shariah perspective. In: International Conference on Islamic Social Finance: Pandemic Crisis and Possible Solutions (ISFPCPS 2020),
2020 منح القرض الحسن من صندوق الزكاة لغير الأصناف: دراسة فقهية. In: 4th International Virtual Conference on Zakat, Waqf and Islamic Philanthropy,
2019 Empowering Islamic social finance through zakat fund in realization of sustainable development goals SDGS وظيف التمويل االجتماعي اإلسالمي من خالل الزكاة في تحقيق أهداف التنمية المستدامة:. In: Kedah International Zakat Conference (KEIZAC 2019),
2019 Poverty alleviation in the light of Quran and Sunnah: a maqassid approach. In: International Conference on Business Management (ICBM),
2018 Financial transaction rules of the disabled people through the legal maxim: "hardship begets facility" –an analytic jurisprudence study. In: 7th Putrajaya International Conference on Children, Women, Elderly and People with Disabilities (PiCCWED 7) 2019,
2013 تمحورُ الخطاب الإسلامي المعاصر في "التوحيد" عند الفاروقي والقرضاوي. In: 2nd International Conference on Contemporary Scholarship on Islam: The Legacy of Ismail Raji al-Faruqi,
Books

2021 Shariah supervision controls of Islamic banks: a critical analytical study. Springer International Publishing, ISBN: 978-3-030-69220-9
2021 قضايا مختارة في فقه الأسرة والقانون والتمويل الإسلامي. Kolej Universiti Islam Perlis (KUIPs), ISBN: 9789672463085
Book Sections

2026 Environmental Waqf for climate action in the light of Maqasid al-‘Imran: (Hifz al-‘Imran or Hifz al-Bi’ah). In: Routledge, ISBN: 9781032944715, pp. 42-54
2026 Environmental Waqf for climate action in the light of Maqasid al-‘Imran: (Hifz al-‘Imran or Hifz al-Bi’ah). In: Routledge, ISBN: 9781032944715, pp. 42-54
2025 Islamic finance risk analysis and climate change. In: Routledge (Taylor & Francis Group), ISBN: 9781032944715, pp. 229-237
2024 Ethical crowdfunding-led Islamic green finance. In: Routledge (Taylor & Francis Group), ISBN: 978- 1- 032- 67291- 5, pp. 203-210
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 Islamic sustainable finance: experiences of African countries. In: Routledge, ISBN: 978-1-032-74307-3, pp. 15-23
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
2024 Risk mitigation strategy for agency problems in micro business financing of Baitul Maal wa Tamwil: a qualitative SWOT analysis. In: Springer Nature, ISBN: , pp. 615-626
2023 Impact of Electronic Service Quality on customer satisfaction of Islamic banks in Pakistan. In: Springer, ISBN: 978-3-031-27859-4, pp. 435-443
2023 Improving microtakaful offering through stakeholders’ collaboration: critical analysis using systematic literature review. In: Springer, ISBN: 978-3-031-27859-4, pp. 219-230
2021 A comparative performance analysis of Islamic and conventional banking: a case study of Pakistan. In: Springer International Publishing, ISBN: 978-3-030-69220-9, pp. 1772-1809
2021 Drop shipping in the supply chain: fiqh perspective. In: Springer International Publishing, ISBN: 2367-3370, pp. 629-644
2021 Drop shipping in the supply chain: fiqh perspective. In: Springer International Publishing, ISBN: 2367-3370, pp. 629-644
2021 Financing social enterprises through cash waqf: an innovation of business model.. In: IGI Publisher, ISBN: 9781799868118, pp. 214-227
2021 Risk mitigation for cash Waqf collection using financial technology and Internet of Things. In: Routledge, ISBN: , pp. 210-221
2021 The challenges of developing the Saudi Sukuk market in line with objectives of Vision 2030. In: Springer International Publishing, ISBN: 978-3-030-69220-9, pp. 987-1010
2021 The role of Islamic microfinance in eradicating the impact of COVID-19 on socio-economic wellbeing in Nigeria. In: Routledge Taylor & Francis Group, ISBN: 9780367639938, pp. 199-213
2021 Waqf potentials as a relief tool during covid-19 lockdown in Lagos, Nigeria. In: Springer International Publishing, ISBN: 978-3-030-69220-9, pp. 1859-1869
Monograph

2025 An exploratory study on the issuance of Sukuk Waqf in Malaysia. In: IIUM Institute of Islamic Banking and Finance and Bank Kerjasama Rakyat Malaysia Berhad,
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 An analysis of value-based intermediation for Takaful operators in Malaysia. In: Co-opbank Pertama (CBP),
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,