pensyarah universiti
pusat kajian keutuhan tadbir urus & akauntabiliti (grace)
rubayah@ukm.edu.my
Kluster Kepakaran/ Cluster of Expertise :
Transformasi Sosial dan Ekonomi,
Biografi/ Biography :
Rubayah Yakob merupakan pensyarah di Fakulti Ekonomi & Pengurusan, Universiti Kebangsaan Malaysia (UKM). Beliau memperoleh Ijazah Sarjanamuda Sains Kepujian (Sains Aktuari) dan Sarjana Pentadbiran Perniagaan (SPP) dari UKM. Beliau melanjutkan pengajian ke Universiti Putra Malaysia dan memperoleh Ijazah Doktor Falsafah (PhD) Ekonomi. Beliau juga memiliki Certified Quantitative Risk Management dari International Institute of Professional Education and Research, USA. Pengalaman pengajaran dan penyelidikan beliau meliputi bidang dalam Insurans Hayat, Takaful, Pengurusan Risiko dan Analisis Kecekapan (Analisis Penyampulan Data – Data Envelopment Analysis). Kini, beliau sangat aktif dalam aktiviti kemasyarakatan yang melibatkan kesedaran tentang tabungan dan perlindungan risiko diri bagi meningkatkan kesejahteraan kewangan masyarakat. Beliau telah merangka Program Menggapai Impian, khusus untuk meningkatkan kesedaran masyarakat tentang tabungan dan perlindungan risiko diri.
Rubayah Yakob is a lecturer at the Faculty of Economics and Management, Universiti Kebangsaan Malaysia (UKM). She obtained a Bachelor of Science with Honours (Actuarial Science) and a Master of Business Administration (MBA) from UKM. She then pursued her studies at Universiti Putra Malaysia, where she was awarded a Doctor of Philosophy (PhD) in Economics. She also holds a Certified Quantitative Risk Management qualification from the International Institute of Professional Education and Research, USA. Her teaching and research experience covers areas in Life Insurance, Takaful, Risk Management, and Efficiency Analysis (Data Envelopment Analysis). She is currently very active in community engagement activities focusing on awareness of savings and personal risk protection to enhance financial well-being. She has also designed the Menggapai Impian Program, specifically aimed at raising public awareness about savings and personal risk protection.
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.
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.
rubayah yakob. (2025). navigating the self-employment landscape: opportunities and challenges. - financial education and well-being research centre akpk. .
munira ismail, rubayah yakob, mohd hafizuddin syah bangaan abdullah, nurul hidayah md razali, sharifah farah syed yusoff alhabshi, saiful izzuan hussain, norizura ismail, saiful hafizah jaaman, razik ridzuan mohd tajuddin. (2025). inovasi dan pengajaran sains aktuari, insurans dan pengurusan risiko. - hari penyelidikan dan inovasi hapi 2025. .
zaidi bin isa, nik abdul rahin bin nik abdul ghani, rubayah binti yakob, ali mohammad saedi. (2025). enhancing takaful awareness and uptake among the felda community in malaysia: a comprehensive study. - . .
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.
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.
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.
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, azlia asmira ruslee. (2019). penentu pemilikan takaful mikro dalam kalangan kumpulan berpendapatan rendah. - journal of nusantara studies. 101-125.
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.
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.
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.
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.
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.
rubayah yakob, norman mohd saleh, noorsakinah abdul wahab. (2025). dimensi tadbir urus dalam sektor awam dan swasta. - . 11 - 20.
rohaida ismail, norman mohd saleh, rubayah yakob. (2025). lat laporan kewangan: peranan jawatankuasa audit, audit dalaman dan pengurusan risiko organisasi . - . 145 - 170.
engku mohamad engku abdullah, mohd hafizuddin syah bangaan abdullah, rubayah yakob. (2025). keberkesanan tadbir urus dan pengurusan risiko organisasi. - . 21 - 39.
engku muhamad engku abdullah, rubayah yakob, mohd hafizuddin syah bangaan abdullah. (2024). governance, enterprise risk management and public higher education performance: a systematic literature review. - . 27 - 49.
nurul hidayah md razali, rubayah yakob, mohd hafizuddin syah bangaan abdullah, hairolanuar mohamad. (2021). pembangunan item dan skor kepentingan ict dan fintech dalam institusi wakaf. - . 145-170.
muhammad aqil fahmi ismail, muhammad fareed fauzan yusry. muhammad haikal abdullah, rubayah yakob, nuru hidayah md razali, mohd hafizuddin syah bangaan abdullah . (2025). esg & takaful: selamatkan penyu, selamatkan dunia. - esg & takaful: selamatkan penyu, selamatkan dunia. .
cheng boon xing, rubayah yakob, nurul hidayah md razali, khaira amalia fachrudin. (2025). pengaruh tingkah laku hutang terhadap kesejahteraan kewangan mahasiswa. - journal of management & muamalah. 179 - 193.
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.
nurul hidayah md razali, rubayah yakob, mohd hafizuddin syah bangaan abdullah, sajiah yakob. (2025). strategi pengurusan risiko: memacu kecekapan pengurusan wakaf tunai. - . .
engku mohamad engku abdullah, mohd hafizuddin syah bangaan abdullah, rubayah yakob. (2025). keberkesanan tadbir urus dan pengurusan risiko organisasi. - . 21 - 39.
rubayah yakob. (2025). navigating the self-employment landscape: opportunities and challenges. - financial education and well-being research centre akpk. .
munira ismail, rubayah yakob, mohd hafizuddin syah bangaan abdullah, nurul hidayah md razali, sharifah farah syed yusoff alhabshi, saiful izzuan hussain, norizura ismail, saiful hafizah jaaman, razik ridzuan mohd tajuddin. (2025). inovasi dan pengajaran sains aktuari, insurans dan pengurusan risiko. - hari penyelidikan dan inovasi hapi 2025. .
zaidi bin isa, nik abdul rahin bin nik abdul ghani, rubayah binti yakob, ali mohammad saedi. (2025). enhancing takaful awareness and uptake among the felda community in malaysia: a comprehensive study. - . .
khairul anuar bin ahmad, noor aimi binti mohamad puad, ahmad yani bin ismail, amalina binti shafie, aza shahnaz binti azman, fadilah binti mat nor, rubayah binti yakob, nurul hidayah binti md razali. (2025). knowledge and awareness about takaful of mosque committee members in peninsular malaysia. - . .
muhammad aqil fahmi ismail, muhammad fareed fauzan yusry. muhammad haikal abdullah, rubayah yakob, nuru hidayah md razali, mohd hafizuddin syah bangaan abdullah . (2025). esg & takaful: selamatkan penyu, selamatkan dunia. - esg & takaful: selamatkan penyu, selamatkan dunia. .
| Geran / Grant | Kolaborator / Collaborator | Status |
|---|---|---|
| PEMBUDAYAAN KESEDARAN TAKAFUL DAN LITERASI KEWANGAN KUMPULAN MILENIAL: MEMANGKIN PENYERTAAN TAKAFUL KELUARGA UNTUK MASA DEPAN YANG TERJAMIN | persatuan takaful malaysia | 68.1% (2024-12-24 sehingga 2026-06-23) |
BUSINESS[INCL. ACCOUNTING,FINANCE & MARKETING] :SOCIAL SCIENCES
Takaful Demand Behaviour
Pengalaman / Experience : 25 tahun/years(s)
BUSINESS[INCL. ACCOUNTING,FINANCE & MARKETING] :SOCIAL SCIENCES
EFFICIENCY ANALYSIS (DATA ENVELOPMENT ANALYSIS)
Pengalaman / Experience : 16 tahun/years(s)
BUSINESS[INCL. ACCOUNTING,FINANCE & MARKETING] :SOCIAL SCIENCES
ENTERPRISE RISK MANAGEMENT (NON-FOR-PROFIT ORGANIZATION; SMALL MEDIUM ENTERPRISE)
Pengalaman / Experience : 6 tahun/years(s)
BUSINESS[INCL. ACCOUNTING,FINANCE & MARKETING] :SOCIAL SCIENCES
LIFE INSURANCE (BEHAVIOUR)
Pengalaman / Experience : 26 tahun/years(s)