Staff Directory


Nor Razinah Binti Mohd. Zain

Academic Qualification

  • 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

INSTITUTE OF ISLAMIC BANKING AND FINANCE

Other's position:

Coordinator, Institute of Islamic Banking and Finance


mumtaz_razi@iium.edu.my
6280


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


CONTEMPORARY ISSUES IN BANKING LAW 2019/2020
ISLAMIC COMMERCIAL LAW 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) 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 2023/2024 2022/2023
TAKAFUL AND RE-TAKAFUL 2023/2024 2022/2023 2021/2022
USRAH IN ACTION 1 2022/2023
USRAH IN ACTION 2 2023/2024


Supervision


Consumers’ Behaviour Towards Mobile Banking Service Of Islamic Banks: Legal And Law Perspective In Malaysia.
Ph.D In Progress Main Supervisor
An Empirical Investigation In Developing An Alternative Financial Tool In Addressing Refugees Crisis: Humanitarian Sukuk In Europe.
Ph.D In Progress Main Supervisor
An Explorative Study On The Issues And Challenges Of Islamic Banking In The Republic Of Tajikistan .
Ph.D In Progress Co-supervisor
Comparison Of Early Loan Settlements Between Conventional Banks And Islamic Banks: Introducing Ibra’ Contract.
Ph.D In Progress Co-supervisor
Scaling Up Sustainable Investment In Government Linked Investment Companies: Lessons From Malaysia.
Ph.D In Progress Co-supervisor
Deepening Financial Inclusion Innigeria Through Islamic Socialfinance:Asocio-Legal Study.
Ph.D In Progress Co-supervisor
Waqf Sukuk In Malaysia: The Exploration On Its Potential And Issues.
Master Completed 2020 Main Supervisor
Force Majeure Events In The Contract Of Istisna As Applicable To Islamic Banks.
Master Completed 2020 Main Supervisor


Research Projects


Completed
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
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)


Publications


Article

2023 An overview of regulation policies for refugees in Malaysia and the selected European countries: current situation and future consideration. Journal of Human Development and Education for Specialized Research, 8 (3) pp. 1-16
2023 SRI-linked sukuk: an enabler for the transition to low-carbon activities. Journal of Islamic Finance, 12 (1) pp. 17-31
2023 Women’s empowerment and participation in Islamic financial planning diversity, equity and inclusion: evidence from Maqasid al-Shariah. al-Burhān: Journal of Qurʾān and Sunnah Studies, 7 (2) pp. 152-161
2022 A preliminary study on the factors influencing malaysian youths' adoption and rejection of takaful. Journal of Positive School Psychology, 6 (3) pp. 760-779
2022 Exploring the regulatory framework of sustainable finance In Malaysia: driving force for Esg institutional investors. IIUM Law Jounal, 30 (S2) pp. 279-316
2022 Risks and risk management in family takaful. Journal of Islamic Banking and Finance, 39 (3) pp. 37-54
2022 The significant role of Shariah Advisory Council (SAC) in dispute resolution mechanisms: the evolution of regulatory framework in Malaysia. Transnational Dispute Management, 19 (6) pp.
2022 Tips of the iceberg: domestic violence during COVID-19, Movement Control Order (MCO) in Malaysia. Proceedings, 82 (1) pp. 1-7
2022 Wildlife hunting rights of the aborigines in peninsular Malaysia: a dilemma protecting humans or animals?. International Journal of Academic Research in Business and Social Sciences, 12 (11) pp. 1434-1442
2021 An analysis on nature of limited liability partnerships in Malaysia. Journal of Administrative Science, 18 (1) pp. 268-277
2021 Ar-Rahnu: isu dan penyelesaian semasa. Malaysian Journal of Syariah and Law, 9 (1) pp. 47-60
2021 Humanising artificial intelligence: what so wrong about It?. Malaysian Journal of Medicine and Health Sciences (MJMHS), 17 () pp. 19
2021 Managing financial stress through Islamic wealth management: an appreciation of Hifz al-Mal. Malaysian Journal of Medicine and Health Sciences, 17 (Supplement 5) pp. 79-79
2021 Managing financial stress through Islamic wealth management: an appreciation of Hifz al-Mal. Malaysian Journal of Medicine and Health Sciences, 17 (Supplement 5) pp. 79-79
2019 Editorial preface of special issue: legal and contractual issues of Islamic banking and finance in the era of industry revolution. International Journal of Management and Applied Research (IJMAR), 6 (4) pp. 154-157
2019 Faith-based mediation: A comparative perspective on the application of Sulh and Ho’oponopono. Malaysian Journal of Shariah and Law, 7 (1) pp. 1-9
2019 Innovations of Sukuk in Global Finance Market: Some Considerations. International Journal of Management and Applied Research, () pp.
2019 Leading towards impactful Islamic social finance: Malaysian experience with the value-based intermediation approach. Al-Shajarah: Journal of The International Institute of Islamic Thought and Civilization (ISTAC), Special Issue: Islamic Banking and Finance () pp. 69-87
2019 Potential development of SRI sukuk models for higher learning institutions in Malaysia based on Wakalah and Waqf. Journal of Islamic Finance, 8 (Special Issue) pp. 90-106
2019 Smart contract in blockchain: an exploration of legal framework in Malaysia. Intellectual Discourse, 27 (2) pp. 595-617
2019 The potential in reviving waqf through crowdfunding technology: the case study of Thailand. Al-Shajarah: Journal of The International Institute of Islamic Thought and Civilization (ISTAC), Special Issue: Islamic Banking and Finance () pp. 89-106
2018 Hijabophobia: a closed eye challenge towards Muslim friendly hospitality services in Malaysia. Malaysian Journal Shariah and Law, 8 (2) pp. 1-9
2018 Implementing Islamic social finance: challenges and proposed solutions. ISFIRE Magazine, () pp. 72-81
2018 Waqf institutions in Malaysia: appreciation of Wasaṭiyyah approach in internal control as a part of good governance. Intellectual Discourse, 26 (2) pp. 749-764
2017 An analysis on Islamic social finance for protection and preservation of Maqāṣid al-Sharī‘ah. Journal of Islamic Finance, 6 (Special Issue) pp. 133-141
2016 The introduction of the financial ombudsman scheme as an alternative to dispute resolution in the Islamic financial services industry in Malaysia. Al-Shajarah, 21 (3 Special Issue) pp. 243-260
2015 Dispute resolution mechanisms in the Islamic finance industry in Malaysia: towards a legal framework. Al-Shajarah: Journal of the International Institute of Islamic Thought and Civilization (ISTAC), 20 (S) pp. 19-40
2015 Shari’ah corporate governance structure of Malaysian Islamic banking and finance: the traces of shura. Journal of Islamic Banking and Finance, 3 (1) pp. 26-34
Conference or Workshop Item

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,
Book

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
Book Section

2024 ESG in Islamic sustainable finance. In: Routledge, ISBN: 978-1-032-49784-6, pp. 24-32
2024 SDGs and VBI: a META analysis from Islamic finance perspective. In: Routledge, ISBN: 978-1-032-49784-6, pp. 41-50
2023 Islamic equity financing as a financial inclusion enabler: Nigeria in spectrum. In: Springer, ISBN: 978-3-031-27859-4, pp. 135-143
2023 The application of artificial intelligence in metaverse: a new challenge on personal data protection in the financial system. In: Springer, ISBN: 978-3-031-27859-4, pp. 117-126
2023 The application of mobile banking services by Malaysian Islamic banks: an evaluation of the customers’ main concerns. In: Springer Nature Switzerland AG, ISBN: 978-3-031-27859-4, pp. 127-133
2021 Achieving the Sustainable Development Goals: the role of Islamic social finance towards realizing financial inclusion in the unprecedented Covid-19. In: IGI Global, ISBN: 9781799868118, pp. 1-17
2021 An evaluation of smart contracts: practices, legality, and sharī‘ah. In: Palgrave Macmillan, ISBN: 978-3-030-45826-3, pp. 91-110
2021 Combating climate change in Malaysia: Green Sukuk and its potentials. In: IGI Publisher, ISBN: 9781799868118, pp. 264-279
2021 Financing social enterprises through cash waqf: an innovation of business model.. In: IGI Publisher, ISBN: 9781799868118, pp. 214-227
2021 Funding Covid-19 economic stimulus through Islamic social finance: a proposal for impact-waqf SRI sukuk. In: IGI Global, ISBN: 9781799868118, pp. 1-15
2021 Penilaian kritikal terhadap pengurusan pandemik dari perspektif Islam: kajian kes di Malaysia. In: USIM Press, ISBN: 978-967-440-941-8, pp. 253-283
2021 Penilaian kritikal terhadap pengurusan pandemik dari perspektif Islam: kajian kes di Malaysia. In: USIM Press, ISBN: 978-967-440-941-8, pp. 253-283
2021 Praktik penjanaan ekonomi secara Islam dan kebahagiaan sesebuah keluarga. In: Kolej Universiti Islam Perlis (KUIPs), ISBN: 978-967-2463-07-8, pp. 237-280
2021 The role of zakat in achieving economic empowerment, environmental sustainability, and social re-engineering as promoted in the 12th Malaysia Plan. In: IGI Global, ISBN: 9781799868118, pp.
2020 Combining sukuk with waqf for socio-economic development. In: Cambridge Institute of Islamic Finance (Cambridge-IIF), ISBN: 978-0-9570932-8-7, pp. 138-148
2019 Enhancing Islamic banking and finance in Southeast Asia through the application of artificial intelligence: An exploration of banking's best practices. In: IGI Global, ISBN: 978-179980041-5, pp. 36-53
2019 Enhancing Islamic banking and finance in Southeast Asia through the application of artificial intelligence: An exploration of banking's best practices. In: IGI Global, ISBN: 978-179980041-5, pp. 36-53
2019 Islamic social finance: a tool for development and economic Inclusion. In: Cambridge Institute of Islamic Finance, ISBN: , pp. 227-239
2019 Islamic social finance: a tool for development and economic Inclusion. In: Cambridge Institute of Islamic Finance, ISBN: , pp. 227-239
2019 Islamic wealth management from a Maqasid-based perspective: a case study of Malaysia. In: IIUM Institute of Islamic Banking and Finance (IIiBF), ISBN: 978-983-44568-4-9, pp. 271-286
2019 Islamic wealth management from a Maqasid-based perspective: a case study of Malaysia. In: IIUM Institute of Islamic Banking and Finance (IIiBF), ISBN: 978-983-44568-4-9, pp. 271-286
2019 Settlement of Islamic finance disputes in the United Arab Emirates. In: Routledge, ISBN: 978-0-8153-9331-3, pp. 136-158
2019 Settlement of Islamic finance disputes in the United Arab Emirates. In: Routledge, ISBN: 978-0-8153-9331-3, pp. 136-158
2014 Justly balanced (Wasatiyyah): a cure for laxity or extremism in appreciation of legal rules in Islam. In: LEGAS, ISBN: 9781897493526, pp. 75-99
Monograph

2019 Commentaries on Public Consultation Paper (No. 1/2019): The Proposed Regulatory Framework for the Issuance of Digital Assets through Initial Coin Offerings (ICOs). In: ,
2018 Alternative financing modes for higher learning institutions in Malaysia: socially responsible investment Ṣukūk, social impact bonds, and public-private partnerships. In: ISRA,