Rubayah Yakob, Hafizuddin-Syah B.A.M, Nurfarhana Hani Badrul Hisham.  (2019).  Demographic analysis towards the understanding of education takaful (Islamic insurance) plan.  - Geografia Malaysian Journal of Society and Space.  92-105. 

Rubayah Yakob, Hendon Redzuan, Hawati Janor, Hafizuddin-Syah, B.A.M..  (2019).  Contract comprehension: prudent takaful claim decision.  - Asian Journal of Management Cases.  1-23. 

Sajiah Yakob, Hafizuddin-Syah, B.A.M., Rubayah Yakob, Nur Aufa Muhammad Raziff.  (2019).  The Effect of Enterprise Risk Management Practice on SME Performance.  - South East Asian Journal of Management.  1-23. 

Rubayah Yakob, Zulkornain Yusop, Alias Radam, Noriszura Ismail.  (2014).  Two-Stage DEA Method in Identifying the Exogenous Factors of Insurers` Risk and Investment Management Efficiency.  - Sains Malaysiana.  1439-1450.