SCHOOL OF FINANCE AND BANKING
DR FAUZILAH SALLEH
ASSOCIATE PROFESSOR
PhD (Finance) (UMK), Master of Entrepreneurship (Management) (UMK), Master of Science Marketing (UMT), BBA (Insurance) (UiTM), Diploma of Public Administration (UiTM)
Contact Information
Primary Email:
fauzilah@unisza.edu.my
Office Phone:
09-668 8321
Office Address:
Centre of Finance & Banking
Faculty of Business and Management
Gong Badak Campus
Universiti Sultan Zainal Abidin
21300 Kuala Nerus, Terengganu
Research Interest:
Takaful, Insurance, Risk Management.
Dr. Fauzilah Salleh is an Associate Professor from School of Finance and Banking Department, Faculty of Business and Management, Universiti Sultan Zainal Abidin. Terengganu. She graduated her PhD in Finance from Universiti Malaysia Kelantan after completing Master of Entrepereneurship, Msc Marketing and BBA (Hons) Insurance. She has more than 21 years’ experience in teaching, researching and 10 years experiences in Insurance Industry and government sector. She has presented papers at international and national conference and also produced a number of international conference proceeding, journal articles and research projects; mainly in the area of Developing Micro Takaful/Insurance product, Risk Management, Marketing and Entrepreneurship.
Journal Article
1.
The Effects of Total Quality
Management on The Patients’ Satisfaction and Loyalty in The Jordanian Health
Care Sector (2020), Journal of Advanced Research in Dynamical and Control
Systems, pp. 106-115, ISSN: 1943023X [Indexed
by: Scopus – Main Author]
2.
Teacher Satisfaction in
Jordanian High Schools: The Gold Standard of Structural Equation Modeling
(2020), Journal of Research on The Lepidoptera, pp. 254-265, ISSN: 00224324 [Indexed by: Scopus – Main
Author]
3.
Is The Introduction of National
Plan of Coastal Erosion Takaful Scheme Necessary? (2020), Journal of Advanced
Research in Dynamical and Control Systems, pp. 47-53, ISSN: 1943023X [Indexed by: Scopus – Main
Author]
4.
The Inclinations of
Entrepreneurial Cognition and Competencies: The Case Study of Successful
E-Commerce New Venture Creation in Malaysia (2020), International Journal of Scientific
and Technology Research, pp. 4471-4474, ISSN: 22778616 [Indexed by: Scopus Co-author]
5.
Determinants of Family Takaful
Loyalty in Malaysia: an Exploratory Factor Analysis (2020), Journal of Advanced
Research in Dynamical and Control Systems, pp. , ISSN: 1943023X [Indexed by: Scopus – Co-author]
6.
What Affects The Adoption of
Enterprise Risk Management Framework for Public Listed Companies in Malaysia? a
Review (2020), Journal of Critical Reviews, pp. 572-576, ISSN: 23945125 [Indexed by: Scopus – Main
Author]
7.
Manufacturer\’s Demand for
Liability Insurance: a Critical Review (2020), Journal of Critical Reviews, pp.
577-582, ISSN: 23945125 [Indexed by:
Scopus – Main Author]
8.
A Review on Risk Management
Implementation in The Construction Industry (2020), Journal of Critical
Reviews, pp. 562-567, ISSN: 23945125 [Indexed
by: Scopus – Main Author]
9.
Anti-Money Laundering Risk
Posed by Mobile Money Services in Sub-Saharan Africa (2020), Journal of
Critical Reviews, pp. 568-571, ISSN: 23945125 [Indexed by: Scopus – Main Author]
10.
Disaster Resilience: Community
and Stakeholder Perspective (2020), Journal of Research on The Lepidoptera, pp.
87-105, ISSN: 00224324 [Indexed by:
Scopus – Co-author]
11.
The Linkage Between Patient
Satisfaction and Patient Loyalty: Evidence from Health Care Sector in Jordan
(2020), Journal of Advanced Research in Dynamical and Control Systems, pp.
116-122, ISSN: 1943023X [Indexed by:
Scopus – Main Author]
12.
International Tourists’
Intention to Travel to Malaysia: a Confirmatory Factor Analysis (2020), Journal
of Advanced Research in Dynamical and Control Systems, pp. 155-165, ISSN:
1943023X [Indexed by: Scopus – Co-author]
13.
The Triggers of Personality Traits,
Entrepreneurial Motivation, and Competencies: a Qualitative Study of E-
Commerce Venture Creation in Malaysia. (2020), Journal of Critical Reviews, pp.
5031-5050, ISSN: 2394-5125 [Indexed by:
Other Index – Co-author]
14.
B40 Health Micro Takaful’s
Working Framework in Malaysia (2020), The Journal of Research on The
Lepidopter, pp. 246-253, ISSN: 0022-4324 [Indexed
by: Other Index – Main Author]
15.
The Antecedent and Consequence
of Youth Drug Abusers’ Life Satisfaction: Delinquency Behavior as The Mediator
(2019), Journal of Reviews on Global Economic, pp. 783-796, ISSN: 1929-7092 [P]
[Indexed by: Scopus – Co-author]
16.
Entrepreneurial Psychology and
Competencies: Some Perspectives from E-Commerce Entrepreneurs in Malaysia
(2019), Journal of Entrepreneurship, Business and Economics, pp. 31–79, ISSN:
2345-4695 [Indexed by: ERA – Co-author]
17.
A Systematic Literature Review
and Meta-Analysis of Medical Health Insurance and Takaful: Evidence from
Malaysia (2019), International Journal of Academic Research Business and Social
Sciences, pp. 1266–1282, ISSN: 22226990 [Indexed
by: ERA – Co-author]
18.
The Impact of Entrepreneur’s
Motivation and Competencies: an Exploratory Study of ECommerce New Venture
Creations in Malaysia (2019), International Journal of Academic Research in
Business and Social Sciences, pp. 94 – 113, ISSN: 2222-6990 [Indexed by: ERA – Co-author]
19.
Analysis of Private Sector
Retiree’s Decision Towards Epf Retirement Benefit of AnnuityBased Option
(2018), International Journal of Engineering & Technology, pp. 185-188,
ISSN: 2227-524X [Indexed by: Scopus –
Co-author]
20.
Viability of Annuity-Based
Option as Retirement Form of Benefit Among Epf Retirees (2018), International
Journal of Engineering & Technology, pp. 191-193, ISSN: 2227-524X [Indexed by: Scopus – Co-author]
21.
The Relationship Between
Services Quality and Customer Satisfaction Among Jordanian Healthcare Sector
(2018), Management Science Letters, pp. 1413-1420, ISSN: 19239335 [Indexed by: Scopus – Main
Author]
22.
The Effect of Product Quality, Medical
Price and Staff Skills on Patient Loyalty Via Cultural Impact in Medical
Tourism (2018), Management Science Letters, pp. 1421-1428, ISSN: 19239335 [Indexed by: Scopus – Co-author]
23.
A Conceptual Framework of Erm
Practices Among Smes in Malaysia (2018), International Journal of Academic
Research in Business and Social Sciences, pp. 1209 – 1221, ISSN: 2222-6990 [Indexed by: ERA – Co-author]
24.
A Mediating Effect of Risk
Perception on Factors Influencing Tourist Intention to Travel: a Conceptual
Framework (2018), International Journal of Academic Research in Business and Social
Sciences, pp. 1246-1255, ISSN: 2222-6990 [Indexed
by: ERA – Co-author]
25.
An Investigation of Corporate
Governance Mechanisms on Real Earnings Management Toward The Changes on Firm
Performance: Evidence from Jordan (2018), International Journal of Academic
Research in Business and Social Sciences, pp. 1389 – 1400, ISSN: 2222-6990 [Indexed by: ERA – Co-author]
26.
Corporate Governance Practices
Among Malaysian Public Universities (2018), International Journal of Academic
Research in Business and Social Sciences, pp. 1301 – 1313, ISSN: 2222-6990 [Indexed by: ERA – Main Author]
27.
Enterprise Risk Management
(erm) Practices Among Malaysian Smes: The Three Steps Process to Identify
Adopters and Non-Adopters of Erm for Smes (2018), International Journal of
Academic Research in Business and Social Sciences, pp. 1231 – 1245, ISSN: [Indexed by: ERA – Co-author]
28.
Ethics and Financial Reporting
Assurance (2018), International Journal of Academic Research in Business and
Social Sciences, pp. 1346 – 1355, ISSN: 2222-6990 [Indexed by: ERA – Co-author]
29.
Organizational Factors in
Enterprise Risk Management Effectiveness: a Conceptual Framework (2018),
International Journal of Academic Research in Business and Social Sciences, pp.
1437 – 1446, ISSN: 2222-6990 [Indexed by:
ERA – Co-author]
30.
Quality of Financial Reporting
Towards The Improvement Corporate Governance Mechanism (2018), International
Journal of Academic Research in Business and Social Sciences, pp. 1339 – 1345,
ISSN: 2222-6990 [Indexed by: ERA – Co-author]
31.
The Mediating Effects of
Relationship Commitment-Trust Between Innovation and Fairness on Loyalty in
Family Takaful: a Literature Review (2018), International Journal of Academic
Research in Business and Social Sciences, pp. 1487 – 1497, ISSN: 2222-6990 [Indexed by: ERA – Co-author]
32.
The Stakeholders Perceptions
Towards The Corporate Social Responsibility Reporting (2018), International
Journal of Academic Research in Business and Social Sciences, pp.1303 – 1310,
ISSN: 2222-6990 [Indexed by: ERA – Co-author]
33.
The Uses of Financial Reporting
Standard for Small Medium Enterprise Companies (2018), International Journal of
Academic Research in Business and Social Sciences, pp. 1331 -1338, ISSN:
2222-6990 [Indexed by: ERA – Co-author]
34.
Indicators for Cooperative
Performance Measurement (2018), International Journal of Academic Research in
Business & Social Sciences, pp. 577-585, ISSN: 2222-6990 [Indexed by: ERA – Co-author]
35.
Demographic Factors of Family
Takaful Demand: a Literature Review (2018), International Journal of Academic
Research in Business and Social Sciences, pp. 613-621, ISSN:22226990 [Indexed by: ERA – Main Author]
36.
Prospect of a Flood
Micro-Insurance in Malaysia: a Survey of Literatures (2018), International Journal
of Academic Research in Business and Social Sciences, pp. 517-527, ISSN:
22226990 [Indexed by: ERA – Main
Author]
37.
Developing of Micro Health
Takaful of Affordable Monthly Payment for Poor Community in Malaysia (2018),
International Journal of Asian Social Science, pp. 1219-1227, ISSN: 22244441 [Indexed by: ERA – Main Author]
38.
An Empirical Examination of
Undergraduate Accounting Students’ Ethical Judgment: Malaysia Evidence (2018),
International Journal of Academic Research in Business and Social Sciences, pp.
669 – 681, ISSN: 2222-6990 [Indexed by:
ERA – Co-author]
39.
Consumer Behaviour and
Insurance Claim Fraud in Malaysia (2018), International Journal of Academic
Research in Business and Social Sciences, pp. 586-598, ISSN: 2222-6990 [Indexed by: ERA – Main Author]
40.
Micro Small and Medium
Enterprise Demand for General Takaful: Proposed Theoretical Framework and
Hypotheses Development (2018), International Journal of Academic Research in
Business and Social Sciences, pp. 599-612, ISSN: 2222-6990 [Indexed by: ERA – Main Author]
41.
Ramification of Crowdfunding on
Entrepreneur Self-Efficacy (2018), International Journal of Academic Research
in Business and Social Sciences, pp. 882–895, ISSN: 2222-6990 [Indexed by: ERA – Co-author]
42.
Does Coastal Community Need
Takaful Protection from Coastal Erosion? (2018), Journal of Tourism,
Hospitality and Environment Management, pp. 43-56, ISSN: 0128-178X [Indexed by: Other Index – Main
Author]
43.
A Literature Review of King
Abdullah II Center Standard in Health Care Sector in Jordan (2018),
International Journal of Science and Research (ijsr), pp. 1286-1290, ISSN:
23197064 [Indexed by: Other Index – Main
Author]
44.
Entrepreneurship as
Entrepreneur: The Influences of Personality and Competencies to The New
E-Commerce Venture Creation in Malaysia. (2018), International Journal of
Creative Future & Heritage (ijcfh), pp. 89-100, ISSN: 2289-4527 [Indexed by: Other Index – Co-author]
45.
Ramification of Crowdfunding on
Bangladeshi Entrepreneur’s Self-Efficacy (2018), Accounting, pp. 129-138, ISSN:
2369-7393 [Indexed by: Other Index – Co-author]
46.
The Higher Intelligence of The
\’creative Minority\’ Provides The Infrastructure for Entrepreneurial
Innovation (2017), Intelligence, pp. 93-106, ISSN: 0160-2896 [Indexed by: ISIQ1 – Main Author]
47.
Mathematical Analysis of
Retirement Income Benefit Based on Annuitization Approach (2017), International
Journal of Academic Research in Business and Social Sciences, pp. 865-871,
ISSN: 2222-6990 [Indexed by: ERA – Co-author]
48.
Strategic Information Systems
Sophistication and Strategic Performances of Islamic Banks: The Role of User
Information Systems Expertise (2017), World Applied Sciences Journal, pp.1936-1945,
ISSN: 1818-4952 [Indexed by: ERA – Co-author]
49.
Does Perception Towards
Insurable Risks Mediate The Relationship Between Firm\’s Leverage and General
Takaful Demand? (2017), World Applied Sciences Journal, pp. 1423-1433, ISSN:
1818-4952 [Indexed by: ERA – Main
Author]
50.
Wakalah Recovery Model for
Parent’s of Learning Disabled Children Benefit (2017), World Applied Sciences
Journal, pp. 1901-1906, ISSN: 1818-4952 [Indexed
by: ERA – Co-author]
51.
Alternative Retirement Schemes
in Malaysia: Way Forward for a Sustainable and Comprehensive Coverage for All
Community Level (2017), World Applied Sciences Journal, pp. 1620-1625, ISSN:
1818-4952 [Indexed by: ERA – Co-author]
52.
Developing a Takaful Property
Framework for Small and Medium Enterprises (2017), World Applied Sciences
Journal, pp. 1602-1609, ISSN: 1818-4952 [Indexed
by: ERA – Main Author]
53.
Islamic Personal Risk
Management from Islamic Perspective (2017), World Applied Sciences Journal, pp.
1885-1892, ISSN: 1818-4952 [Indexed by:
ERA – Co-author]
54.
Takaful Rules and Regulations
for Asean Countries: a Comparative Study (2017), World Applied Sciences
Journal, pp. 1477-1481, ISSN: 1818-4952 [Indexed
by: ERA – Co-author]
55.
Does Motivation Predicts
Performance of Takaful Salespeople? (2017), World Applied Sciences Journal, pp.
2665-2669, ISSN: 1818-4952 [Indexed by:
ERA – Main Author]
56.
Social Business Efficiency:
Instruments Development and Validation Procedure Using Structural Equation
Modelling (2017), International Business Management, pp. 222-231, ISSN:
1993-5250 [Indexed by: Other Index – Co-author]
57.
Application of Integration
Model for Recovery Fund in Takaful Education Plan (2016), Far East Journal of
Mathematical Sciences, pp. 301-313, ISSN: 09720871 [Indexed by: Scopus Co-author]
58.
Developing Microtakaful Flood
Model in Malaysia – Its Relevance and Policy Impacts (2016), International
Journal Business Continuity and Risk Management, pp. 197-206, ISSN: 17582164 [Indexed by: Other Index – Co-author]
59.
Applied Integration Model in
Education Plan for Learning Recovery (2016), Journal of Entrepreneurship and
Business, pp. 70-76, ISSN: 2289-8298 [Indexed
by: – Co-author]
60.
National Intelligence and
Private Health Expenditure: Do High Iq Societies Spend More on Health
Insurance? (2015), Intelligence, pp. 1-8, ISSN: 01602896 [Indexed by: ISIQ1 – Coauthor]
61.
The Effects of Financial
Factors on Takaful Demand in Malaysia (2015), Journal of Entrepreneurship and
Business, pp. 17 – 29, ISSN: 2289-8298 [Indexed
by: Other Index Co-author]
62.
Demographic Characteristics
Differences of Risk Taking Propensity Among Micro and Small Business Owners in
Malaysia (2013), International Journal of Business and Social Science, pp.
38-49, ISSN: [Indexed by: Other Index
– Main
Author]
63.
Perceptions of it Knowledge
Among Smes Operators in Malaysia (2012), Asian Social Science, pp. 68-75, ISSN:
19112017 [P] [Indexed by: Scopus – Main
Author]
64.
Factors Influencing The Night
Market Traders’ Performance in Malaysia (2012), International Journal of
Business and Manegement, pp. 32-38, ISSN: 1833-3850 [Indexed by: Other Index – Main Author]
65.
Congregation Perception Towards
The Roles and Responsibilities of The Mosque Imams in Terengganu Malaysia
(2011), Asian Social Science, pp. 258-264, ISSN: 1911-2017 [P] [Indexed by: Scopus – Co-author]
Book
1.
Embracing Issues and Challenges
During Covid-19 (2020), PENERBIT UMK, ISBN: 978-96-2912-20-0 – Main
Author
2.
Microtakaful Flood Scheme in
Malaysia: Alternative Approach to Takaful Operators (2016), Penerbit UniSZA,
ISBN: 978-967-0899-43-5 – Co-author
Chapter in Book
1.
Chapter 1 Embracing Issues and
Challenges Amidst Covid-19, Embracing Issues and Challenges During Covid-19
(2020), PENERBIT UMK, pp. 1-16, ISBN: 978-967-2912-20-0 Main Author
2.
Chapter 11 Healthy Lifestyle
During McO Covid-19, Embracing Issues and Challenges During Covid-19 (2020),
PENERBIT UMK, pp. 169-190, ISBN: 978-967-2912-20-0 – Main Author
Principal Investigator
1.
Certified Islamic Specialist in
Takaful, Community/ Enterpreneurship/ Employability Grant (pakat), Community/
Enterpreneurship/ Employability (2021), Grant
Value: RM500,000
2.
Developing Crop Micro Takaful
Scheme Framework for Smallholder Farmers in Malaysia, Geran Agensi Luar,
Corporate (2020), Grant Value: RM109,405
3.
Developing a National Plan of
Micro Business Interruption Scheme Framework for Micro Enterprises in Malaysia,
Geran Agensi Kerajaan, Government (2020), Grant
Value: RM20,000
4.
Developing Micro Family
Takaful\’s Framework for B\’40\’s Community, Geran Agensi Luar, Corporate
(2019), Grant Value: RM50,000
5.
Developing a Framework of Micro
Takaful Medical and Health for Poor People in Malaysia, Skim Geran Penyelidikan
Fundamental – Frgs, Government (2016), Grant
Value: RM55,000
Co-Researcher
1.
Formulating a Cyber Security
Risk Management Framework for Heis: Strategies Facing Uncertainties in Industry
4.0, Skim Geran Penyelidikan Fundamental – Frgs, Government (2020), Grant
Value: RM100,000
2.
Developing Steam Module:
Integrating Arts in Mathematics Learning as an Intervention Program for Primary
School Students, Geran Dalaman Universiti, University (2020), Grant Value: RM18,000
3.
Pembentukan Model Baharu
Terhadap Kejayaan Wanita Kelantan Dalam Keusahawanan: Stigma dan Realiti, Skim
Geran Penyelidikan Fundamental – Frgs, Government (2018), Grant Value: RM48,500
4.
The Relationship Among Profit,
Product and Awareness Toward The Customers\’ Acceptability in New Attribute of
Islamic Fixed Deposit, Geran Dalaman Universiti, University (2018), Grant
Value: RM5,000
5.
Developing a Unified Framework
of Insurance Rules and Regulations for Two Asean Countries, Skim Geran
Penyelidikan Fundamental – Frgs, Government (2015), Grant Value: RM80,200
6.
Developing a Framework of Flood
Insurance Scheme in Malaysia: The Case of Flood in Kelantan, Skim Geran
Penyelidikan Fundamental – Frgs, Government (2015), Grant Value: RM70,000
7.
Developing National Disaster
Risk Reduction (drr) Framework on Flood Risk Management, Skim Geran
Penyelidikan Fundamental – Frgs, Government (2015), Grant Value: RM70,000
8.
Modelling The Perceived Social
Support, Positive Development, Life Satisfaction, and Problem Behavior Among
Care and Cure Rehabilitation Center (ccrc) Youth Clients., Geran Agensi Luar,
Government (2015), Grant Value: RM40,000
9. Developing an Islamic Risk Management Framework for Malaysian Public Listed Companies (plcs) Based on Islamic Literature, Geran Agensi Luar, Government (2015), Grant Value: RM30,000
10. Kajian Persepsi Jemaah Masjid Terhadap Peranan Imam-Imam di Negeri Terengganu, Geran Dalaman Universiti, University (2008), Grant Value: RM20,000
1. MSS22103 – Business Research Methodology, SEM II 2018/2019,
2. FBR40306 – Seminar of Risk and Control, SEM I 2018/2019,
3. FBR20203 – Enterprise Risk Management, SEM II 2017/2018,
4. FBR40303 – Seminar of Risk and Control, SEM I 2017/2018,
5. MIS4116 – Seminar of Risk and Control, SEM I 2017/2018,
6. MTE2062 – Research Methodology, SEM II 2016/2017,
7. MIS4063 – Law of Insurance and Takaful, SEM I 2016/2017,
8. MIE2102 – Fundamentals of Takaful & Insurance, SEM II 2015/2016,
9. MIS4093 – General and Liability Insurance, SEM II 2015/2016,
10. MIS4053 – Occupational & Health Management, SEM I 2015/2016,
11. MGE2112 – Office Management, SEM II 2014/2015,
12. MIS1033 – Risk and Insurance, SEM II 2010/2011,
13. MIS2083 – Risk Management, SEM II 2010/2011,
14. MIS2093 – Life and Health Insurance, SEM II 2010/2011,
15. MIS2043 – Property & Pecuniary Insurance, SEM I 2010/2011,
16. MIS2053 – Insurance of Transportation, SEM I 2010/2011,
1.
Silver Medal Itex 2020 (2020),
Crop Micro Takaful Scheme Framework, International Invention, Innovation and
Technology Exhibition (itex) – Leader
2.
Silver Medal Itex 2020 (2020),
Foodbank Siswa App, Itex 2020 – Member
3.
Tempat Pertama Pertandingan
Video Pendek Integriti (2020), Tempat Pertama Pertandingan Video Pendek
Integriti, Pertandingan Video Pendek Integriti – Leader
4.
Silver Medal Mpi 2020 (2020),
The Ramadhan E-Box App: Charity at Your Finger Tips, Mpi 2020 – Member
5.
Sijil Perkhidmatan Cemerlang
(2020), Sijil Perkhidmatan Cemerlang, Majlis Anugerah Kecemerlangan Staf Unisza
– Leader
6.
Silver Medal Mpi 2020 (2020),
Developing a Framework of Coastal Erosion Takaful Scheme for Coastal Community
in Malaysia, Minggu Penyelidikan dan Inovasi 2020 – Leader
7.
Gold Medal Intelligent 19
(2019), Islamic Neighbourhood Economics, International Innovation and Invention
Challenge Via Exhibition 2019 (intelligent\’19) – Leader
8.
Bronze Medal Mpi 2019 (2019),
Community Applied Islamic Finance, Mpi 2019/unisza Leader
9.
Sijil Perkhidmatan Cemerlang
(2018), Sijil Perkhidmatan Cemerlang, Majlis Anugerah Kecemerlangan Staf Unisza
– Leader
10.
Bronze Medal Unicel 2018
(2018), Cybergogy Application of Coso Framework in Erm, Unicel 2018 – Member
11.
Silver Medal Mpi 2018 (2018),
Autonomous Seating Management System, Minggu Penyelidikan dan Inovasi 2018 – Member
12.
Silver Medal Unicel 2018
(2018), Application of Monte Carlo Analysis in Business Decision Model, Unisza
Carnival on E-Learning 2018 (unicel 2018), Univ Sultan Zainal Abidin –Member
13.
Silver Medal Unicel 2018
(2018), Myfespbook: Your Academic Reference, Unisza Carnival on E-Learning 2018
(unicel 2018), Univ Sultan Zainal Abidin – Member
14. Anugerah Penerbitan Berimpak Tinggi 2017 (kategori Sains Sosial) (2017), Anugerah Penerbitan Berimpak Tinggi 2017 (kategori Sains Sosial), Majlis Anugerah Kecemerlangan Staf Unisza – Leader
15. Sijil Perkhidmatan Cemerlang (2017), Sijil Perkhidmatan Cemerlang, Majlis Anugerah Kecemerlangan Staf Unisza – Leader