nur syasya sahira m.s., rubayah yakob, hafizuddin-syah b.a.m., hendon redzuan, nurul hidayah m.r..  (2025).  instrumen kualiti perkhidmatan industri takaful: perbandingan antara servqual dan piagam perkhidmatan pelanggan takaful.  - journal of quality measurement and analysis.  321 - 339. 

nor shafilyana zubairi, hafizuddin-syah b.a.m., rubayah yakob, hendon redzuan.  (2025).  retirement prediction modelling: a systematic literature review.  - international journal of management studies.  75 - 95. 

noor aimi mohamad puad, khairul anuar ahmad, ahmad yani ismail, aza shahnaz azman, fadilah mat nor, rubayah yakob, nurul hidayah md. razali, nur amalina shafie .  (2025).  barriers to takaful participation: socio-economic insights from mosque committee members in peninsular malaysia .  - international journal of research and innovation in social science (ijriss) .  717 - 726. 

khaira amalia fachrudin, rubayah yakob, muhammad arif lubis, ance marintan d. sitohang.  (2025).  examining the influence of parental role, peers, and debt literacy on debt behaviour among undergraduate students in indonesia and malaysia.  - folia oeconomica stetinensia.  98 - 114. 

rohaida ismail, norman mohd-saleh, rubayah yakob, md shafiin shukor.  (2025).  impact of audit committee effectiveness, internal audit and enterprise risk management on financial reporting lag: a threshold analysis and quantile regression approach.  - sage open.  1 - 17. 

engku mohamad engku abdullah, rubayah yakob, mohd hafizuddin syah bangaan abdullah.  (2025).  a systematic review of enterprise risk management on higher education institutions' performance.  - open education studies.  1 - 13. 

engku mohamad engku abdullah, aisyah abdul rahman, rubayah yakob, darmawati muchtar.  (2025).  factor influencing the adoption of fintech in investment among malaysians: a unified theory of acceptance and use of technology (utaut) perspectives.  - journal of advanced research in applied sciences and engineering technology.  231 - 247. 

nurul hidayah md razali, rubayah yakob, zaidi isa, mohd hafizuddin syah bangaan abdullah.  (2024).  penyuaian model analisis penyampulan data: bukti empirik daripada institusi wakaf.  - sains malaysiana.  2085 - 2098. 

mohd hafizuddin syah bangaan abdullah , amira azmi, rubayah yaakob, hendon redzuan.  (2024).  risk management literacy level among oil palm smallholders in malaysia.  - jurnal manajemen hutan tropika.  129-137. 

suriadi udin, rubayah yakob, mohd hafizuddin syah bangaan abdullah.  (2024).  identifying the key quality of takaful agents influence on takaful penetration: the nominal group technique approach.  - environment-behaviour proceedings journal.  13 - 18. 

husnawati husaini, mohd hafizuddin syah bangaan abdullah, rubayah yakob, hendon redzuan.  (2024).  persepsi risiko dan tingkah laku pengguna terhadap pembelian secara dalam talian di lembah klang.  - international journal of management studies.  679 - 710. 

ali mohammad saedi, zaidi isa, rubayah yakob, hendon redzuan, mohd hafizuddin syah b abdullah.  (2024).  safety climate and its relationship with workers' risk perceptions and risk tolerances toward the acceptance of risk management.  - journal of scientific & industrial research.  782 - 795. 

engku mohamad engku abdullah, rubayah yakob, mohd hafizuddin syah bangaan abdullah.  (2024).  a comprehensive review of information technology in enterprise risk management at higher education institutions.  - journal of advanced research in applied sciences and engineering technology.  161 - 178. 

amira azmi, hafizuddin-syah b.a.m, rubayah yakob, amran arifin.  (2024).  kesan literasi kewangan dan pengurusan risiko terhadap prestasi kewangan koperasi penanam sawit mampan di sabah, malaysia.  - jurnal pengurusan.  1 - 15. 

nurul hidayah md razali, rubayah yakob, mohd hafizuddin syah bangaan abdullah.  (2023).  systematic literature review on the empirical evidence in waqf studies.  - journal of economic cooperation and development.  1-31. 

nurul hidayah md razali, rubayah yakob, mohd hafizuddin syah bangaan abdullah, shahida shahimi, roziana baharin.  (2023).  penentu kecekapan institusi wakaf.  - jurnal ekonomi malaysia.  1-16. 

bahariatulaini badri harun, rubayah yakob, mohd hafizuddin syah bangaan abdullah.  (2023).  financial capability: a bibliometric analysis and sustainable future research directions.  - journal of law and sustainable development.  1-30. 

rubayah yakob, mohd hafizuddin-syah bangaan abdullah, sajiah yakob, nooraida yakob, nurul hidayah md. razali, hairolanuar mohamad.  (2022).  analysis of enterprise risk management practices in malaysian waqf institutions.  - international journal of islamic and middle eastern finance and management.  569-585. 

mohd hafizuddin syah bangaan abdullah, rubayah yakob, sajiah yakob, nuratikah syafiqah sharif.  (2022).  indicators of having a micro-family takaful plan amongst low-income earners.  - journal of islamic marketing.  2695-2716. 

adibah jamil, mohamat sabri hassan, norman mohd saleh, rubayah yakob.  (2022).  institutional investors, risk management and audit committees influence on non-financial risk disclosure.  - jurnal pengurusan.  30-45. 

meliza zafrizal, rubayah yakob, low soo wah.  (2021).  the influence of liquidity risk on efficiency in rural banks: the moderating role of interbank borrowing fund.  - asian academic of management journal of accounting & finance.  63-79. 

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. 

hafizuddin-syah, hawati janor, rubayah yakob.  (2019).  the relevance of foreign ownership on credit risk among islamic banks in malaysia.  - international journal of business and management science.  341-351. 

nurulwahidah fauzi, rubayah yakob.  (2019).  the influence of demographic and herbal characteristics on purchase decisions of zingiberacea familia: an exploration in kota bharu, kelantan society.  - international journal of recent technology and engineering (ijrte).  1058-1062. 

noor huzaidah husin dan rubayah yakob.  (2017).  aplikasi skor-z altman dalam menganggar kesolvenan pengendali takaful di malaysia.  - jurnal pengurusan.  45-54. 

rubayah yakob, zaidi isa.  (2016).  stability of relative efficiency in dea of life insurers and takaful operators.  - global journal of pure and applied mathematics.  857-874. 

hawati janor, rubayah yakob, noor azuan hashim, zanariah, che aniza che wel.  (2016).  financial literacy and invetment decisions in malaysia and united kingdom; a comparative analysis.  - geografia online: malaysian journal of society and space.  106-118. 

hendon redzuan, rubayah yakob, zaidi isa.  (2016).  underinsurance in malaysia: the application of the monte carlo simulation.  - jurnal pengurusan.  131-142. 

rubayah yakob, zulkornain yusop, alias radam, noriszura ismail.  (2015).  the relative efficiency of investment management of life insurers and takaful operators.  - investment management and financial innovation.  12. 

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. 

rubayah yakob, zulkornain yusop, alias radam, noriszura ismail.  (2014).  financial management efficiency performance of insurers and takaful operators in malaysia.  - jurnal pengurusan.  25-40. 

rubayah yakob, zulkornain yusop, alias radam, norizura ismail.  (2012).  camel rating approach to assess the insurance operators financial strength.  - jurnal ekonomi malaysia.  46(2); 3-15. 

zaidi isa, rubayah yakob.  (2010).  insurance company stock returns behavior towards market risk and interest rate risk.  - academy of taiwan business management review.  6(4):119-126.