RESEARCHER INFO
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Dr. Noraini Binti Yusuff
UUM College of Business
Perniagaan Islam
ynoraini@uum.edu.my
049286709
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RESEARCH PROFILE

Scopus ORCiD Research Gate Google Scholar

ACADEMIC QUALIFICATION

12018, PhD Kewangan Islam, UM, Universiti Malaya
22011, Masters Pentadbiran Perniagaan (Kewangan), UUM, Universiti Utara Malaysia
32009, Bachelor Degree with Honours Kewangan & Perbankan Islam, UUM, Universiti Utara Malaysia
42005, Certificate Perakaunan, Kolej Mara Kuala Nerang, Lain-lain

AWARD

1 Gold Award Poster Presentation, Social Takaful Fund (STF), 2025, Antarabangsa
2 Silver Award, International Learning Innovation Competition 2024, 2024, Antarabangsa
3 Silver Award for Poster Competition, The 5th UUM International Islamic Business Management Conference 2024 (IBMC2024), 2024, Antarabangsa
4 Gold Award Category Academic & Industry, Universiti Sains Malaysia, 2023, Antarabangsa
5 Best Presenter Award (Gold Award), Kolej Universiti Islam Perlis, 2022, Antarabangsa
6 Best Presenter Award (Gold Award), Kolej Universiti Islam Perlis, 2022, Antarabangsa
7 SIGG Silver Prize Winner, Innovation & Commercialisation Centre, 2021, Antarabangsa

RECOGNITION

1 FASILITATOR,FASILITATOR,Antarabangsa,2024
2 ACADEMIC EDITOR,FPA Assessor,Antarabangsa,2022
3 FINANCIAL PLANNING,Consultant,Antarabangsa,2022
4 PEMBENTANG, ,Antarabangsa,2021
5 REVIEWER, ,Antarabangsa,2023
6 ADVISOR,Penasihat Luar , Diploma Kewangan,Kebangsaan,2026
7 FINANCIAL PLANNING,Tenaga Pengajar,Kebangsaan,2020
8 PANEL PENILAI, ,Universiti,2027
9 ADVISOR,PENASIHAT LUAR PROGRAM DIPLOMA KEWANGAN,Universiti,2025
10 PANEL PENILAI,MEMERIKSA DAN MENILAI SOALAN PEPERIKSAAN AKHIR,Universiti,2025
11 PANEL PENILAI,PANEL PENILAI,Universiti,2026
12 AUDITOR DALAMAN,JURU AUDIT KENDIRI,Pusat Pengajian/Jabatan,2026
13 REVIEWER,REVIEWER,Pusat Pengajian/Jabatan,2024
14 EXAMINER OF VIVA,Examiner,Pusat Pengajian/Jabatan,2024
15 REVIEWER,REVIEWER,Pusat Pengajian/Jabatan,2024
16 FINANCIAL PLANNING,Examiner,Pusat Pengajian/Jabatan,2020
17 PENYELARAS KURSUS,PENYELARAS KURSUS BIFCK3083,Pusat Pengajian/Jabatan,2026
18 PANEL PENILAI,PANEL PENILAI- BIFCJ3013 PELABURAN ISLAM,Pusat Pengajian/Jabatan,2025
19 PANEL PENILAI, ,Pusat Pengajian/Jabatan,2025
20 PANEL PENILAI, ,Pusat Pengajian/Jabatan,2025
21 EXAMINER OF VIVA, ,Pusat Pengajian/Jabatan,2023
22 AKADEMIK,REVIEWER,Pusat Pengajian/Jabatan,2024

AREA OF EXPERTISE

Islamic Banking
Community Research
Family And Household Studies

RESEARCH AREA

Islamic Financial Literacy
Behavioral Finance
Islamic Finance And Banking

OVERVIEW
I received the Ph.D degree in Islamic Finance and Management in 2018 from University Malaya, Malaysia. I hold a degree of Islamic Banking with honours and a MBA (Finance) from the University Utara Malaysia in 2009 and 2011. I have a certified Islamic financial Planner and become a member of Financial Planning Association of Malaysia. I also a member of assessor from Financial Accreditation Agency. My primary research interest is in behavioral finance and Islamic finance and banking especially in Islamic financial literacy, wakaf, takaful, and zakat.
PUBLICATION CHART
LIST OF PUBLICATION
Dr. Nor Syahidah Binti Ishak, Dr. Siti Hajar Salwa Binti Ahmad Musadik, Dr. Noraini Binti Yusuff, Dr. Siti Latipah Binti Harun, Dr. Nor Aina Binti Mhd Khotib, (2026). PENERIMAAN AR-RAHNU SEBAGAI ALTERNATIF PATUH SYARIAH: KAJIAN EMPIRIKAL DALAM KALANGAN WARGA FELDA KUBANG PASU KEDAH, MALAYSIA. International Journal of Islamic Business, 11(1), 1 - 13.
Dr. Raja Rizal Iskandar Bin Raja Hisham, Dr. Saiful Azizi Bin Ismail, Dr. Noraini Binti Yusuff, Dr. Wan Aishah Binti Wan Mohd Nowalid, (2025). The Role of Motivation, Commitment and Awareness in Zakat Payment Intention: Evidence From Employees of Private Higher Learning Institutions in Northern Malaysia. Information Management and Business Review, 17(3), 150 - 162.
Dr. Siti Hajar Salwa Binti Ahmad Musadik, Dr. Nor Syahidah Binti Ishak, Dr. Noraini Binti Yusuff, Dr. Muhammad Fakhirin Bin Che Majid, (2025). PEMBELAJARAN BERASASKAN PERMAINAN (GBL): SEJAUHMANA MEMBANTU PELAJAR ASNAF MEMAHAMI PENGURUSAN KEWANGAN DAN KEPENGGUNAAN ISLAM. Journal of Islamic, Social, Economics and Development , 10(73), 1043 - 1053.
Dr. Noraini Binti Yusuff, Fuadah Johari, Dr. Nor Syahidah Binti Ishak, Hanim Misbah, Dr. Siti Latipah Binti Harun, Nurul Adilah Hasbullah, Dr. Siti Hajar Salwa Binti Ahmad Musadik, Azuan Ahmad, (2024). Unveiling the Determinant factors effecting the willingness to share waqf information among Malaysians. Global Business and Management Research: An International Journal, 16(3), 535 - 558.
Fuadah Johari, Dr. Noraini Binti Yusuff, Dr. Nor Syahidah Binti Ishak, Hanim Misbah, Dr. Siti Latipah Binti Harun, Nurul Adilah Hasbullah, Dr. Siti Hajar Salwa Binti Ahmad Musadik, (2024). Revitalising Waqf Institutions Through a Co-Creation Ecosystem of Public Engagement. Global Business and Management Research: An International Journal, 16(3), 514 - 534.
Fauz Moh’D Khamis, Dr. Mohamad Yazid Bin Isa, Dr. Noraini Binti Yusuff, (2024). Perceived inclusion of Islamic finance: The effects of attitudes, experience, literacy, religiosity, and social influences. International Journal of Applied Economics, Finance and Accounting, 18(2), 321 - 338.
Dr. Noraini Binti Yusuff, Associate Prof. Dr. Fuadah Binti Johari, Dr. Nor Syahidah Binti Ishak, Dr Hanim Binti Misbah, Dr. Siti Latipah Binti Harun, Dr. Nurul Adilah Binti Hasbullah, Dr. Siti Hajar Salwa Binti Ahmad Musadik, Dr. Azuan Ahmad, (2023). EXAMINING THE VALIDITY OF CONSTRUCTS THAT MEASURE THE WILLINGNESS TO SHARE WAQF INFORMATION: AN EXPLORATORY FACTOR ANALYSIS. “Sustainable Development through Innovative Economic Transformation”, 10(), 918 - 929.
Dr. Siti Hajar Salwa Binti Ahmad Musadik, Dr. Nor Syahidah Binti Ishak, Dr. Noraini Binti Yusuff, Dr. Muhammad Fakhirin Bin Che Majid, (2023). HaBuckMy. E-PROCEEDING BOOK - 2ND INTERNATIONAL INVENTION, INNOVATION AND DESIGN EXPO (INODEX 2023), (), 434 - 440.
Fauz Moh’D Khamis, Dr. Mohamad Yazid Bin Isa, Dr. Noraini Binti Yusuff, (2022). The Usage of Islamic Financial Services in Zanzibar: The Influence of Accessibility, Relevancy and Expected Benefits. Journal of Economics, Finance and Management Studies, 5(1), 2466 - 2656.
Fauz Moh'D Khamis, Dr. Mohamad Yazid Bin Isa, Dr. Noraini Binti Yusuff, (2021). Constructing Indicators For Islamic Financial Inclusion. International Journal of Islamic Economics, 3(2), 101 - 123.
Dr. Nor Syahidah Binti Ishak, Dr. Siti Hajar Salwa Binti Ahmad Musadik, Dr. Noraini Binti Yusuff, Dr. Siti Latipah Binti Harun, Noriza Binti Abd Aziz, (2021). Implikasi Subseksyen 44(11d) Akta Penolakan Cukai Ke atas Tadbir Urus Wakaf di Universiti Awam Malaysia. Proceeding 2nd Kedah International Zakat Conference 2021 (i-KEIZAC 2021), 1(1), 447 - 453.
Dr. Siti Hajar Salwa Binti Ahmad Musadik, Dr. Noraini Binti Yusuff, Dr. Noriza Binti Abd Aziz, Ilhaamie Abdul Ghani Azmi, (2020). MAQASID SYARIAH IN ISLAMIC CONSUMPTION. International Journal of Business and Economy , 2(4), 146 - 152.
Dr. Noriza Binti Abd Aziz, Prof. Dr. Azizi Bin Abu Bakar, Ibrahim Abd Aziz, Dr. Noraini Binti Yusuff, Dr. Siti Hajar Salwa Binti Ahmad Musadik, (2021). The Impact of Different Level of Education Towards Acceptance of Islamic House Financing. Linguistica Antverpiensia, 2(2), 3692 - 3699.
Surajo Musa Yakubu - (Matric No: 96197), Prof. Dato' Dr. Asmadi Bin Mohamed Naim, Dr. Noraini Binti Yusuff, (2021). Dataset on the acceptance of islamic microfinance in Kano State, Nigeria. Data in Brief, 36(2021), 1 - 6.
Dr. Noraini Binti Yusuff, Fadillah Mansor, Dr. Siti Hajar Salwa Binti Ahmad Musadik, Prof. Dr. Azizi Bin Abu Bakar, Prof. Madya Dr. Hydzulkifli Bin Haji Hashim, (2020). Information Sources and Investment Decision among Malaysian Investors: Clarifying the Role of Gender and Product Knowledge. Turkish Journal of Computer and Mathematics Education, 19(3), 140 - 147.
Prof. Madya Dr. Mohd Azrin Bin Mohd Nasir, Dr. Ros Idayuwati Binti Alaudin, Dr. Suzila Binti Ismail, Dr. Nor A'Tikah Binti Mat Ali, Dr. Farah Nadia Binti Mohd Faudzi, Dr. Noraini Binti Yusuff, Dr. Muhammad Syafiq Bin Mohd Pozi, (2020). The effectiveness of flipped classroom strategy on self-directed learning among undergraduate Mathematics students. Practitioner Research, 2(2), 61 - 81.
Dr. Alias Bin Mat Nor, Dr. Noraini Binti Yusuff, Dr. Siti Hajar Salwa Binti Ahmad Musadik, Prof. Dr. Nor Hayati Binti Ahmad, Dr. Noriza Binti Abd Aziz, (2019). DIGNOSTIK FAKTOR MEMPENGARUHI PRESTASI GOLONGAN ASNAF DALAM MENJALANKAN PERNIAGAAN DI KEDAH: BERJAYA ATAU GAGAL?. Proceeding on Zakat, Waqf, Tax and Economic Development 2019, 1(1), 1 - 18.
Prof. Madya Dr. Hydzulkifli Bin Haji Hashim, Prof. Dr. Azizi Bin Abu Bakar, Noor Faezah Basary, Dr. Mohd Sollehudin Bin Shuib, Dr. Noraini Binti Yusuff, (2018). Exploratory Survey on UUM Student’s Acceptance Towards the Founding of Waqf Institution For Education. Journal of Social Science Research, 6(1), 997 - 1003.
Dr. Noraini Binti Yusuff, Fadillah Binti Mansor, Prof. Madya Dr. Abu Bakar Bin Hamed, (2017). The Measurement of Islamic Unit Trust Investment Decision in Malaysia: An Exploratory Factor Analysis. . International Journal of Islamic Business , 2(1), 38 - 45.
Dr. Noraini Binti Yusuff, Fadillah Binti Mansor, (2016). Proposed Model for The Factors Influencing Muslim Investors in Choosing Islamic Unit Trust Funds.. Journal of Global Business and Social Entrepreneurship , 1(2), 113 - 120.
Prof. Madya Dr. Hydzulkifli Bin Haji Hashim, Dr. Mohamad Yazid Bin Isa, Dr. Noraini Binti Yusuff, Prof. Dr. Azizi Bin Abu Bakar, (2016). PERSEPSI AHLI JEMAAH MASJID TERHADAP PENGURUSAN KEWANGAN MASJID DI DAERAH KUBANG PASU KEDAH.. Journal of Global Business and Social Entrepreneurship , 2(2), 164 - 172.
Prof. Madya Dr. Hydzulkifli Bin Haji Hashim, Dr. Mohamad Yazid Bin Isa, Dr. Noraini Binti Yusuff, (2015). Pengurusan Kewangan Dana Masjid: Satu Kajian di Daerah Kubang Pasu, Kedah. International Journal of Management Studies, 22(2), 115 - 134.
RESEARCH PIE
LIST OF RESEARCH
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
MODEL INOVASI WAKAF KILANG BERAS MAIK-LZNK (2025), Member, Kementerian/agensi lain
TRANSFORMASI ASNAF KEPADA MUZAKKI: KAJIAN KEBERKESANAN PROGRAM BANTUAN USAHAWAN ASNAF OLEH LZNK (2024), Member, Kementerian/agensi lain
PENGURUSAN PEMBANGUNAN TANAH YANG TERBIAR DENGAN MENGGUNAKAN KAEDAH PELABURAN PATUH SYARIAH (SUKUK) (2024), Member, Kementerian/agensi lain
EMPOWERING COMMUNITIES THROUGH FWD KASIH AND TAKAFUL SUBSIDY PROJECT BY SOCIAL TAKAFUL FUND (2024), Member/Next Appointed Leader, Industri
PROJEK PERINTIS DANA SOSIAL TAKAFUL DALAM MEMPERKASAKAN USAHAWAN SME (2023), Member, Industri
KESEDARAN & PENERIMAAN MAHASISWA UUM DALAM PROGRAM LITERASI KEWANGAN DO IT FEST 2023 (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), Leader, Industri
DETERMINANT FACTORS AFFECTING THE WILLINGNESS TO SHARE INFORMATION AMONG STAKEHOLDERS IN ENHANCING WAQF CO- CREATION ECO-SYSTEM IN MALAYSIA (2022), Leader, Universiti
KAJIAN PENERIMAAN MASYARAKAT FELDA TERHADAP PAJAK GADAI ISLAM (AR RAHNU) (2022), Member, Industri
CUSTOMER RETENTION IN THE TAKAFUL INDUSTRY USING SURVIVAL ANALYSIS: THE CASE OF PERLINDUNGAN TENANG PROGRAM (PTV) (2022), Member, Industri
PROGRAM PENDIDIKAN KESEDARAN PENGURUSAN KEWANGAN DAN KEPENGGUNAAN ISLAM DI SEKOLAH ZAKAT KEDAH MENGGUNAKAN KAEDAH PEMBELAJARAN BERASASKAN PERMAINAN (GBL) (2022), Member, Kementerian/agensi lain
ASSESSING THE AWARENESS AND INTENTION TO PAY ZAKAT AMONG EMPLOYEES OF PRIVATE UNIVERSITIES AND COLLEGE IN KEDAH (2021), Member, Universiti
SOCIAL ENTREPRENURSHIP PERLINDUNGAN TENANG PROGRAMME (2021), Member, Industri
Developing an Enhanced Maqasid Shariah Index in Measuring the Performance of Zakat Institutions (2021), Member, Kementerian/agensi lain
PEMBENTUKAN MODEL PENGURUSAN DANA WAKAF DI UNIVERSITI UTARA MALAYSIA (2021), Member, Universiti
Effective Distribution and Promotion Model for FWD Kasih (2021), Member, Industri
INVESTMENT DECISION MAKING AMONG YOUNG ADULTS IN NORTHERN REGION OF MALAYSIA (2020), Leader, Universiti
CONSULTATION
Year Title Membership Funder Level Status
2025 Program celik kewangan islam (cekaw25) Member National On going
2023 Program komuniti keluarga angkat Member 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
2023 20220426 Copyright MODEL PENGURUSAN WAKAF - ( MEMBER ) FILED
2023 20220206 Copyright BOARD M-FINLIT - ( MEMBER ) FILED
2021 20210395 Copyright i-FINLIT - ( PRINCIPAL INVENTOR ) FILED
2021 20210076 Copyright ISLAMIC UNIT TRUST INVESTMENT DECISION MAKING: AN EMPERICAL STUDY AMONG MUSLIM INVESTORS IN MALAYSIA - ( PRINCIPAL INVENTOR ) FILED
2023 2023259 Copyright MODUL PENGURUSAN KEWANGAN DAN KEPENGGUNAAN ISLAM - ( MEMBER ) FILED
2023 2023220 Copyright HaBuckMy Board - ( MEMBER ) FILED
UNDERGRADUATE
Course Code Course Name
BWBS2013 Islamic bank operations
BWSX4908 Practicum
BWSX4908 Practicum
BWBS2083 Managing islamic banks
BWBS2083 Managing islamic banks
BIFXK4958 Industrial training
BWSX4908 Practicum
BIFCK3083 Shariah & islamic financial planning
BWBS2013 Islamic bank operations
BWSX4908 Practicum
BWSX4908 Practicum
BWSX4908 Practicum
BWFS3063 Islamic financial planning
BWFS3063 Islamic financial planning
BWSX4908 Practicum
BIFS3093 Seminar in islamic finance and banking
BWBS2013 Islamic bank operations
BWFS2033 Regulations in islamic finance and banking
BWFS2033 Regulations in islamic finance and banking
BWSX4908 Practicum
BWFS3063 Islamic financial planning
BWBS2013 Islamic bank operations
BWBS2013 Islamic bank operations
BWFS3063 Islamic financial planning
BIRS2023 Risk management and takaful
BWBS3043 Islamic banking management
BWFS3063 Islamic financial planning
BIBMK3043 Islamic banking management
BWFS3063 Islamic financial planning
BWFS3063 Islamic financial planning
BIFCK3093 Seminar in islamic finance and banking
BIFXK4958 Industrial training
BWSX4908 Practicum
BWFS2033 Regulations in islamic finance and banking
POSTGRADUATE
Course Code Course Name
BIFF5053 Islamic wealth planning and management
SUPERVISION
Matric Name Status Title
821904 MOHD AZRI BIN ZUL Completed SHARIAH PRACTICE IN ISLAMIC BANKING: A STUDY ON PERCEPTION AMONG EMPLOYEES AT BANK ISLAM MALAYSIA BERHAD
822912 Nurul `Izzati Binti Jamal Abd Nasir Completed Investment decision making among Malaysian muslim and non-muslim in Islamic Unit Trust Funds.
825468 SITI MASYITAH BINTI ABDULLAH Completed FACTORS INFLUENCING ISLAMIC UNIT TRUST INVESTMENT DECISION MAKING AMONG LOW INCOME HOUSEHOLDS IN KOTA BHARU, KELANTAN
827650 AMALIA CHAIRANI HENMAIDI Completed THE RELATIONSHIP BETWEEN SERVICE QUALTITY, CUSTOMER SATISFACTION, RELIGIOSITY AND SWITCHING INTENTION: A STUDY OF MUSLIMAH SALON AND SPA IN SUMATERA BARAT, INDONESIA
828370 AHMAD AFIQ BIN MOHD GHOUSE Not Active Intention Of Choosing Family Takaful Among Teachers In Bertam
830279 NUR SYAFIQAH BINTI MAT ZABIDI Not Active The Impact Of Attitude , Subjective Norrms, Perceived Behavioural Control On Intention To Contribute Zakat In Malaysia
830795 KHAIRUNNISA BINTI MOHAMAD RAIS Completed The Infiuence Of 'Buy Now Pay Later' (BNPL) Services On Consumer Buying Bahaviour Among UUM Alumni
833427 ATHIA NUR KAMILAH Completed FACTORS INFLUENCING CUSTOMER INTEREST IN USING SHARIA GOLD PAWN SERVICE (AR-RAHNU) AMONG KUBANG PASU DISTRICT PEOPLE
905165 AMIRA SYAHIRAH BINTI MOHD FAUZI Active An Incorporated approach towards Sharia Compliance engaged in antecedents of trust through Social Commerce
908264 MUHAMMAD RIZA HAFIZI Active Are Islamic Bonds a Safe-Haven? Investigate the Flight to Quality During Global Financial Crisis: An Insight from Indonesia
96197 Surajo Musa Yakubu Completed The Moderating Effect of Religiosity on Customers' Acceptance of Islamic Micro Finance in Kano State Nigeria
903508 FAUZ MOH'D KHAMIS Completed The Influence of Personal Financial and Societal Factors on the Perceived Inclusiveness of Islamic Finance in Tanzania
 
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