RESEARCHER
RESEARCH TITLE
RESEARCHER INFO
Dr.
Muhamad Abrar bin Bahaman
UUM College of Business
Perniagaan Islam
muhamadabrar@uum.edu.my
049286720
View CV
RESEARCH PROFILE
Scopus
Google Scholar
ACADEMIC QUALIFICATION
1
2020, PhD Perbankan dan Kewangan Islam, UUM, Universiti Utara Malaysia
2
2013, Masters Islamic Finance, The Global University Of Islamic Finance,
3
2009, Bachelor Degree with Honours Kewangan dan Perbankan Islam, UUM, Universiti Utara Malaysia
AWARD
1
Certificate Silver Award, Social Takaful Fund(STF), 2025, Antarabangsa
2
Certificate Bronze Award, Social Takaful Fund (STF), 2025, Antarabangsa
3
Certificate Bronze Award, Social Takaful Fund (STF), 2025, Antarabangsa
4
Certificate Gold Award, Social Takaful Fund (STF), 2025, Antarabangsa
RECOGNITION
1
PANEL PENILAI, Juri,Antarabangsa,2021
2
PEMERIKSA LUAR, Pemeriksa IFP,Antarabangsa,2024
3
TRAINER, ,Antarabangsa,2023
4
PEMERIKSA LUAR, ,Antarabangsa,2024
5
FINANCIAL PLANNING,PEMERHATI,Antarabangsa,2023
6
FINANCIAL PLANNING,TRAINER,Antarabangsa,2023
7
TRAINER, ,Antarabangsa,2023
8
PENCERAMAH, ,Kebangsaan,2023
9
AKADEMIK,PENYEDIA SOALAN DAN SKEMA JAWAPAN,Universiti,2023
10
AHLI JAWATANKUASA, ,Universiti,2025
11
AKADEMIK,Pengawas,Universiti,2023
12
AKADEMIK,Ketua Pengawas,Universiti,2023
13
PANEL PENILAI,Penilai,Pusat Pengajian/Jabatan,2022
14
PENGERUSI SESI VIVA,Pengerusi,Pusat Pengajian/Jabatan,2021
15
PANEL PENILAI,Panel Penilai Soalan,Pusat Pengajian/Jabatan,2023
16
PANEL PENILAI, ,Pusat Pengajian/Jabatan,2023
17
FASILITATOR, ,Pusat Pengajian/Jabatan,2023
AREA OF EXPERTISE
Islamic Banking
Wealth Management (Including Financial Planning, Asset Accumulation And Management)
Financial Management
RESEARCH AREA
Islamic Wealth Planning And Management
Risk Management And Takaful
Sustainability And Social Well-Being
OVERVIEW
PUBLICATION CHART
LIST OF PUBLICATION
Andriani Samsuri, Dr. Muhamad Abrar Bin Bahaman, Muhammad Widyarta Wijaya, Nizar Hosfaikoni Hadi, Imran Arshad, Abdullah Muhammad Al-Kamal, (2025). EVALUATING SERVICE QUALITY, CUSTOMER SATISFACTION, AND PERCEIVED TRUST OF ISLAMIC DIGITAL BANKS: INDONESIA AND MALAYSIA.
Journal of Islamic Economics and Business
, 11(2), 604 - 627.
Dr. Khairul Zharif Bin Zaharudin, Nor Elliany Hawa Ibrahim, Nor Hanim Elias, Dr. Muhamad Abrar Bin Bahaman, (2026). DOES SHARIAH SCREENING IMPOSE A PERFORMANCE TRADE-OFF? EVIDENCE FROM LARGE-CAP PORTFOLIO STRATEGIES IN MALAYSIA.
International Journal of Banking and Finance
, 21(2), 81 - 101.
Izatul Akmar Ismail, Dr. Muhamad Fikri Bin Aziz, Dr. Mohd Adib Bin Abd Muin, Prof. Madya Dr. Mohd Adib Bin Abd Muin, Muhammad Fakhirin Bin Che Majid, Dr. Azizah Binti Che Omar, Dr. Muhamad Abrar Bin Bahaman, (2025). The Integration of Blockchain Technology in Halal Supply Chain Management HSCM): Enhancing Transparency in Islamic Business Practices .
International Journal of Research and Innovation in Social Science
, 142(1), 312 - 319.
Mushtaq Ahmad, Dr. Mohamad Yazid Bin Isa, Alimnazar Islamkulov, Dr. Muhamad Abrar Bin Bahaman, Dr. Zaki Ahmad, (2025). Impact of global boycotts on Israeli goods: Evidence from Islamic and non-Islamic countries using an event study approach.
Asian Economic and Financial Review
, 15(7), 1111 - 1124.
Siti Azura Binti Bahadin, Mohd Norazmi Nordin, Bella Datuk Rosdi, Mohd Saleh Abbas, Dr. Muhamad Abrar Bin Bahaman, Dr. Nor Aina Binti Mhd Khotib, Nor Fauziyana Mosbiran, (2024). Enhancing Braille Literacy: A Plasticine-Based Intervention Study for Blind Students .
International Journal of Communication Networks and Information Security
, 16 (3), 103 - 108.
Prof. Madya Dr. Norazlina Binti Abd. Wahab, Prof. Madya Dr. Zaemah Bt. Zainuddin, Prof. Dr. Rosylin Binti Mohd Yusof P.M.K, Norzitah Abdul Karim, Dr. Muhamad Abrar Bin Bahaman, Dr. Wahidah Bt. Shari, (2024). The Impact of Environmental, Social and Governance (ESG) Practices on the Financial Performance of Green Companies in Malaysia: An Empirical Analysis.
Indonesian Capital Market Review
, 16(1), 55 - 66.
Ziouache Alaeddine - (Matric No: 905173), Dr. Muhamad Abrar Bin Bahaman, Dr. Amirul Haqeem Bin Abd Ghani, (2023). Trust and Security Impact on the Customers’ Acceptance of E-Payment in Algeria: An Application of the Extended TAM.
Tuijin Jishu/Journal of Propulsion Technology
, 44(3), 6407 - 6414.
Mursyid Rosdi, Khairunneezam Mohd Noor, Dr. Muhamad Abrar Bin Bahaman, Safiyyah Ahmad Sabri, Dr. Amirul Haqeem Bin Abd Ghani, Azhar Muhammad, Faizul Nizar Anuar, (2023). Semantics Tammām Ḥassān on Waqf Lāzim Verses in Surah al-Mā’idaṯ.
Tuijin Jishu/Journal of Propulsion Technology
, 44(5), 885 - 897.
Dr. Muhamad Abrar Bin Bahaman, Dr. Amirul Haqeem Bin Abd Ghani, Ziouache Alaeddine - (Matric No: 905173), (2023). Digital Banking Services Adoption and its Determinants in the Middle East Region.
Tuijin Jishu/Journal of Propulsion Technology
, 44(2), 1054 - 1063.
Prof. Dr. Nor Hayati Binti Ahmad, Prof. Dr. Rosylin Binti Mohd Yusof, Dr. Muhamad Abrar Bin Bahaman, (2018). Household Debt Default of Islamic Banks: A Malaysian Case.
Journal of Advanced Research in Business and Management Studies
, 12(1), 34 - 45.
Prof. Dr. Nor Hayati Binti Ahmad, Prof. Dr. Rosylin Binti Mohd Yusof, Dr. Muhamad Abrar Bin Bahaman, (2019). Household Credit Market, Bank Factors and Financial Fragility of Islamic Banks.
International Journal of Innovation, Creativity and Change
, 5(2), 1469 - 1477.
Zuriah Bt Ab. Rahman - (Matric No: 90015), Prof. Dato' Dr. Asmadi Bin Mohamed Naim, Dr. Muhamad Abrar Bin Bahaman, Prof. Dr. Nor Hayati Binti Ahmad, (2016). Critique on Risks in Islamic Home Financing.
International Journal of Economics, Management & Accounting
, 24(2), 227 - 259.
RESEARCH PIE
LIST OF RESEARCH
STRATEGI LAUTAN BIRU LITERASI KEWANGAN STF & KWSP : PELAKSANAAN DAN KEBERKESANAN PROGRAM KARVIVAL CELIK KEWANGAN @ KOMUNITI DAN COMMUNITY DEVELOPMENT & SOCIAL UPLIFTMENT (CDS U) (2026), Member, Industri
ASSESSING HOUSING AFFORDABILITY AND RENT-TO-OWN SCHEMES IN MALAYSIA: FINANCIAL ACCESSIBILITY, SOCIO-ECONOMIC IMPACT, AND POLICY PATHWAYS (2026), Member/Next Appointed Leader, Kementerian/agensi lain
MALAYSIA VS INDONESIA: NON-MUSLIM CUSTOMER INTENTION TO ADOPT ISLAMIC BANKING SERVICE (2025), Leader, Universiti
MEASURING FINANCIAL LITERACY AND ITS IMPACT ON INFORMAL BUSINESS SUSTAINABILITY: A FRAMEWORK FOR TRADITIONAL MASSAGE THERAPISTS IN THE GIG ECONOMY (2025), Member/Next Appointed Leader, Universiti
DO IT FEST 4.0: STRENGTHENING FINANCIAL LITERACY AS A PATHWAY TO FINANCIAL WELLBEING (2025), Member, Industri
PEMERKASAAN USAHAWAN MIKRO LUAR BANDAR DI NAKA, KUALA NERANG FASA 2.0: NAIKTARAF INFRASTRUKTUR, PEMFAILAN DAN DIGITALISASI KATALONG PERNIAGAAN (2025), Member, Industri
PEMERKASAAN KEWANGAN DAN INKLUSIF SOSIAL MELALUI LATIHAN BAKERI PASTRI BAGI WANITA B40 CHANGLUN KE ARAH KESEJAHTERAAN KOMUNITI DAN PERLINDUNGAN TAKAFUL (2025), Member, Industri
MODEL INOVASI WAKAF KILANG BERAS MAIK-LZNK (2025), Member, Kementerian/agensi lain
INOVASI BARU KERANGKA SUKUK DAN WAQAF BAGI TUJUAN PENDANAAN PROJEK HASSAN LEMBAGA ZAKAT NEGERI KEDAH (2025), Member/Next Appointed Leader, Kementerian/agensi lain
KESEDARAN & PENERIMAAN MAHASISWA UUM DALAM PROGRAM LITERASI KEWANGAN DO IT FEST 2023 (2023), Member, Industri
ANALISIS FATWA-FATWA ZAKAT NEGERI KEDAH DARUL AMAN DARI PERSPEKTIF MAQASID AL-SHARIAH DAN FIQH AL-WAQI (2023), Member, Universiti
PEMBANGUNAN SISTEM MAKLUMAT DANA SOSIAL TAKAFUL (2023), Member, Industri
KAJIAN MODEL KESUKARELAWANAN DALAM MEMPERKUKUHKAN STRUKTUR ORGANISASI SOCIAL TAKAFUL FUND (STF) (2023), Member, Industri
SPECIAL MEDICAL TAKAFUL AWARENESS AMONG PARENTS WITH DISABLED CHILDREN (PILOT STUDY:FWD-WE CARE) (2023), Member, Industri
KAJIAN PENAMBAHBAIKAN KEMUDAHAN BILIK LATIHAN DAN BILIK MESYUARAT TERHADAP PENINGKATAN PRODUKTIVITI DI IBS (2022), Member, Universiti
IDENTIFYING CRITERIA FOR MEASURING SUCCESS OF ISLAMIC FINANCIAL PLANNER (IFP) HOLDERS PRODUCED (2022), Member, Universiti
TAKAFUL ENTREPRENEURSHIP DEVELOPMEMENT PROGRRAME (2021), Leader, Industri
PENILAIAN SEMULA KAEDAH PENGIRAAN ZAKAT PERNIAGAAN LEMBAGA ZAKAT NEGERI KEDAH (LZNK) (2021), Member, Kementerian/agensi lain
Developing an Enhanced Maqasid Shariah Index in Measuring the Performance of Zakat Institutions (2021), Member, Kementerian/agensi lain
GREEN COMPANY'S PERFORMANCE AND ENVIRONMENTAL SUSTAINABILITY IN MALAYSIA: AN ANALYSIS ON FUTURE GROWTH (2021), Member, Universiti
Effective Marketing Campaign for FWD Takaful Affiliate Program (2021), Member, Industri
ENTERPRISE RISK MANAGEMENT PRACTICES (BANKING) (2019), Member, Industri
MODELING RENTAL INDEX FOR ISLAMIC HOME FINANCING: A CASE STUDY ON SELECTED CITIES IN MALAYSIA, DUBAI,LONDON (2014), Member, Antarabangsa
CONSULTATION
Year
Title
Membership
Funder
Level
Status
2026
Perlaksanaan dan keberkesanan program hari celik kewangan: kerjasama kwsp dan uum
Member
National
On going
2026
Perlaksanaan dan keberkesanan program ikon muda perancangan persaraan: kerjasam kwsp dan uum
Member
Statutory
National
On going
2025
Program celik kewangan islam (cekaw25)
Member
National
On going
2023
Program komuniti keluarga angkat
Member
National
Completed
2023
Projek perundingan usahawan asnaf i-tekad
Member
Statutory
National
Completed
2022
Projek perundingan projek sumbangan komputer riba fwd takaful berhad
Member
National
Completed
INTELLECTUAL PROPERTIES
Year
Reference No
IP Type
Title of Inventor (Principal Inventor/Member)
Status of IP
UNDERGRADUATE
Course Code
Course Name
BIFS3083
Shariah & islamic financial planning
BIFCK3093
Seminar in islamic finance and banking
BWFS3063
Islamic financial planning
BIFXK4958
Industrial training
BWSS2013
Philosophy of business in islamic finance and banking
BWSS2013
Philosophy of business in islamic finance and banking
BWSX4908
Practicum
BWFS3063
Islamic financial planning
BWSX4908
Practicum
BWFS3063
Islamic financial planning
BWFS3063
Islamic financial planning
BWSX4908
Practicum
BWSX4908
Practicum
BWFS2053
Islamic financing management
BIFCK3083
Shariah & islamic financial planning
BIFCK3093
Seminar in islamic finance and banking
BWFS3063
Islamic financial planning
BIFCJ3083
Shariah & islamic financial planning
BWSS2013
Philosophy of business in islamic finance and banking
BWFS3063
Islamic financial planning
BIFCJ3083
Shariah & islamic financial planning
BWFS3063
Islamic financial planning
BIFS3083
Shariah & islamic financial planning
BIFCK3093
Seminar in islamic finance and banking
BIFXK4958
Industrial training
BIBEK2013
Islamic bank operations
BWSS2013
Philosophy of business in islamic finance and banking
BIFCK3083
Shariah & islamic financial planning
BWFS3063
Islamic financial planning
BWFS3063
Islamic financial planning
BIFCJ3083
Shariah & islamic financial planning
BIFCJ3083
Shariah & islamic financial planning
SDG3011
Management ethics
BIFCK3083
Shariah & islamic financial planning
BWFS3063
Islamic financial planning
BWSS2013
Philosophy of business in islamic finance and banking
BWSS2013
Philosophy of business in islamic finance and banking
BWSX4908
Practicum
BWFS3063
Islamic financial planning
BIFS2013
Islamic financial system
BWSX4908
Practicum
BWFS3063
Islamic financial planning
BIFS3083
Shariah & islamic financial planning
BIFS2013
Islamic financial system
BWSX4908
Practicum
BIFCJ3083
Shariah & islamic financial planning
BWSX4908
Practicum
BWSS2013
Philosophy of business in islamic finance and banking
BWBS2013
Islamic bank operations
POSTGRADUATE
Course Code
Course Name
SUPERVISION
Matric
Name
Status
Title
824916
NUR ADELA BINTI ABDUL AZIZ
Not Active
The Factor Influence the Usage of Islamic Household Financing.
824917
SITI ZULAIHA BINTI MD SAAD
Not Active
The Impact of Zakat to Economic Growth.
825517
Nur Mahirah binti Yahaya
Completed
FINANCING GROWTH DETERMINANTS OF MALAYSIAN ISLAMIC BANKS
826912
MOHAMED ABU BAKER BIN M MOHAIDEEN
Completed
FAMILY FINANCIAL MANAGEMENT IN HOUSEHOLD CONSUMPTION AMONG MUSLIMS IN JOHOR
826978
ABDIKAREM JAMAL HUSSEIN
Completed
FACTORS AFFECTING CUSTOMER LOYALTY IN ISLAMIC BANKING SECTOR OF HARGEISA, SOMALIA
828474
Nabila Huda Binti Zakaria Ansori
Not Active
Wealth Management Open Up Growth Avenue for Islamic Finance in Malaysia
829901
KHAIRUL RIDZUAN BIN JAHARI
Completed
Exploring the Changes in Household Expenses on Individual Financial Distress in Malaysia: A Qualitative Study
830204
MUHAMMAD HIDAYAT 'IZZUDDIN BIN JAMIL
Completed
Acceptance of Takaful Among The Millennials: A Study Based In Kedah
833429
ABDULLAH MUHAMMAD AL KAMAL
Completed
INTENTION TO ADOPT ISLAMIC BANKING SERVICES AMONG PUBLIC UNIVERSITY STUDENTS IN MALAYSIA
833711
FAYYADH AZ ZAKWAN BIN ZAINAL
Expected To Complete
ISLAMIC FINANCIAL LITERACY AWARENESS AMONG YOUTH IN KERIAN DISTRICT, PERAK
835135
NURUL ATIQAH BINTI MOHD YUSOF
Expected To Complete
DETERMINANTS OF SHARIAH-COMPLIANT GOLD INVESTMENT BEHAVIOUR AMONG MUSLIM YOUTH IN KEDAH
905665
MOHD FIKRI AIMAN BIN MOHD ZULKEFLI
Not Active
Pembentukan Model Pengurusan Harta Pusaka.
905173
ZIOUACHE ALAEDDINE
Expected To Complete
Customers' Intention To Adopt Digital Banking Services in Algeria: Trust As A Mediating Factor.
905181
MAAROOPHA ABDULKADIR
Not Active
BEHAVIOURAL INTENTION OF ZAKAT PAYERS IN THE BANGSAMORO AUTONOMOUS REGION IN MUSLIM MINDANAO (BARMM), PHILIPPINES: TOWARDS ZAKAT PAYMENT THROUGH AN INSTITUTION.