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DR. MD FOUAD BIN AMIN
Assistant Professor Department of Economics
College of Business Administration
King Saud University, Riyadh, KSA
Tel: T: +966 11 46 93485 Cell. Phone: +966 593884924
E-mail: [email protected]/[email protected] Web: http://fac.ksu.edu.sa/fbinamin
EDUCATION
2015
PhD, Economics, International Islamic University Malaysia (IIUM)
Thesis: Evaluation of Microfinance Institutions and Viability of
Integrated Waqf Based Islamic Microfinance in Bangladesh
2009
MEc, Master of Economics
Department of Economics, International Islamic University Malaysia
2004 BSS, Bachelor of Social Science with First Class Honours, Economics,
Economics Discipline, Khulna University, Bangladesh
SELECTED HONOURS AND AWARDS
2011-2012 IIUM Post-Graduate Assistantship, International Islamic University
Malaysia
(Doctoral level)
2010-2011
Ummatic Scholarship, International Islamic University Malaysia
(Doctoral level)
TEACHING EXPERIENCE
2017-Present Assistant Professor at the Department of Economics, College of
Business Administration, King Saud University
2010-2015 Lecturer (Part-time) at the Department of Economics, International
Islamic University Malaysia
2
A. Courses Taught at King Saud University (2017-2020)
Course Name Course Code
Program
Principles of Microeconomics Econ 101 Undergraduate
Management Economics Econ 503 Master
Financial Econometrics (Male & Female Section) Econ 543 Master
Advanced Economic Analysis Econ 606 PhD
Econometrics Econ 608 PhD
Financial Econometrics Econ 609 PhD
B. Courses Taught at International Islamic University Malaysia (2010-2015)
Course Name Course Code
Program
Introductory Economics for Engineering Econ 1550 Undergraduate
Principles of Microeconomics Econ 1510 Undergraduate
Principles of Macroeconomics Econ 1610 Undergraduate
Foundation of Islamic Economics Econ 1710 Undergraduate
Islamic Banking and Finance Econ 3430 Undergraduate
Money and Banking Econ 3410 Undergraduate
C. Teaching Interest
Principles of Microeconomics Development Economics
Principles of Macroeconomics Managerial Economics
Microeconomic Analysis Money and Banking
Macroeconomic Analysis Financial Economics
Islamic Economics Financial Modeling
Islamic Banking Services International Finance
Islamic Financial System Econometrics
Islamic Financial Innovations & Products Applied Econometrics
Islamic Economics Financial Econometrics
Topics in Islamic Banking Research Method
Asset Management and Finance in
Islamic Banking
Economics of Resources and
Environment
Islamic Banking Services The Economy of Saudi Arabia
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RESEARCH EXPERIENCE
2017-Present
2013-2015
Researcher at the Islamic Banking Center, College of Business
Administration, King Saud University
Research Project- Integration of Waqf and Islamic Microfinance in OIC
Member Countries: An Agenda for Poverty Alleviation, Project leader-
Prof. Dr. Mohamed Aslam Haneef, funded by RMC, IIUM. This
project is a joint research between IIUM and IRTI, Jeddah, Saudi
Arabia.
2011-2013
Research Project- Integration of Waqf and Islamic Microfinance in OIC
Member Countries: An Agenda for Poverty Alleviation, Project leader-
Prof. Dr. Mohamed Aslam Haneef, funded by RMC, IIUM. This
project is a joint research between IIUM and SESRIC, Ankara, Turkey.
2010-2011 Research Project- General Survey of Potential Research in Studies on
Islamic Microfinance, from September, 2010 to February 2011.
2010
Research Project - General Survey of Potential Research in Studies on
Zakat, sponsored by Research and Management Centre, International
Islamic University Malaysia.
2011
Research Project- Harnessing the Potential of Waqf Lands in Penang -
Establishing A Maqasid Framework and Developing A Human
Resource Education Programme, Project leader- Prof. Dr. Mohamed
Aslam Haneef, funded by Khazanah, Malaysia.
2010-2011 Graduate Research Assistant, IEPR Unit, KENMS, IIUM
2009-2010 Research and Teaching Assistant, Doctoral Level, Department of
Economics, IIUM
2008- 2009 Research Project- Succession Planning for Small and Medium
Enterprises in Malaysia, sponsored by Research and Management
Centre, International Islamic University Malaysia.
2008 - 2009 Research Title- Working Environment and Living Conditions of
Muslim Foreign Workers in Malaysia: A Case Study, under the
supervision of Dr. Zarinah Hamid, Faculty (Kulliyyah) of Economic
and Management Science, International Islamic University Malaysia.
2007-2009 Research and Teaching Assistant, Master’s Level, Department of
Economics, IIUM
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2008
Research Project- Investigation on the HIV Among Orphans:
Situational Analysis the Existing Survival Programmes, Therein
Chances to Survive and Policy Recommendations, sponsored by
Research and Management Centre, International Islamic University
Malaysia,
PUBLICATIONS
Book Moha Asri Abdullah, Zarinah Hamid, Junaidah Hashim & Fouad Bin
Amin (2012) “Profiling Family-Owned Businesses: Towards a Model
of Succession Planning in the East Coast Economic Region (ECER),
Malaysia”, Published by IIUM Press, ISBN:978-967-0225-13-5
Chapter in
Book
Fouad Bin Amin, Abdus Salam Muhammad, Aliyu Dahiru Muhammad
(2013) “Post-crisis Global Economy: Lessons for the Nigerian
Financial Industry” PART VI: THE FUTURE OF ISLAMIC
BANKING AND FINANCE IN NIGERIA; CHAPTER TWENTY
FOUR; INTRODUCTION TO ISLAMIC BANKING AND FINANCE
IN NIGERIA, Edited by K.I. Dandago, A.D. Muhammad and U.A.
Oseni, Benchmark Publishers Limited, Abuja Enugu Ibadan Jos Kano
Lagos Maiduguri Owerri Zaria., ISBN: 978-978-8130-33-X
Book Review Fouad Bin Amin, “Islamic Microfinance Development Challenges and
Initiatives”, edited by Obaidullah, Mohammed, Khan Tariqullah,
Islamic Development Bank, 2008 King Fahd National Library
Cataloging-in-Publication Data, ISBN: 978-9960-32-180-6, 81pp.
(excluding i-xv) (Published in IIUM Journal of Economics and
Management Sciences).
Report INTEGRATION OF WAQF AND ISLAMIC MICROFINANCE FOR
POVERTY REDUCTION: Case Studies of Malaysia, Indonesia and
Bangladesh, Editors: Savaş Alpay and Mohamed Aslam Haneef, Lead
Researchers: Ataul Huq Pramanik, Mustafa Omar Mohammed and
Mohamed Aslam Haneef and Researchers: Fouad M. Amin, Aliyu
Dahiru Muhammad, Nabil Dabour and Kenan Bağcı, published in
2015, The Statistical, Economic and Social Research and Training
Centre for Islamic Countries (SESRIC) and International Islamic
University Malaysia (IIUM), Gombak, Kuala Lumpur Kudüs Cad. No:
9, Diplomatik Site, 06450 Oran, Ankara –Turkey
5
Published
Articles in
Journal
Imran Khokhr, Mehboob ul Hassan, Nauman Khan, Md Fouad Bin
Amin (2020), “Investigating the Efficiency of GCC Banking Sector:
An Empirical Comparison of Islamic and Conventional Banks”,
International Journal of Financial Research Vol. 11, No. 1; 2020
Mohamed Asmy Mohd Thas Thaker, Md Fouad Amin,
Hassanudin Mohd Thas Thaker, Ahmad Khaliq and Anwar Allah
Pitchay (2020) "CASH WAQF MODEL FOR MICRO
ENTERPRISES’ HUMAN CAPITAL DEVELOPMENT”, ISRA
International Journal of Islamic Finance Emerald Publishing
Limited 0128-1976, Vol. ahead-of-print No. ahead-of-
print. https://doi.org/10.1108/IJIF-08-2018-0091
Anwar Allah Pitchay, Mohamed Asmy, Hassanudin Bin Mohd Thas
Thaker, Md Fouad Bin Amin (2019), "DETERMINING THE
RELATIVE IMPORTANCE OF CROWDFUNDING PLATFORM
QUALITY FACTORS", International Journal of the Analytic
Hierarchy Process. Vol. 11 Issue 3, 2019, ISSN 1936-6744
https://doi.org/10.13033/ijahp.v11i3.667
Mohamed Asmy Bin Mohd Thas Thaker, Anwar Bin Allah Pitchay,
Hassanudin Bin Mohd Thas Thaker, Md Fouad Bin Amin, (2019)
"Factors influencing consumers’ adoption of Islamic mobile banking
services in Malaysia: An approach of partial least squares (PLS)",
Journal of Islamic Marketing, https://doi.org/10.1108/JIMA-04-2018-
0065 (Emerald).
Mohamed Asmy Bin Mohd Thas Thaker, Hassanudin Bin Mohd Thas
Thaker, Maya Puspa Binti Rahman, Md Fouad Bin Amin, Anwar Bin
Allah Pitchay, and Nafiu Oladokun Olaniyi (2019) “FACTORS
AFFECTING INVESTORS’ INTENTION TO INVEST IN A PEER-
TO-PEER LENDING PLATFORM IN MALAYSIA: AN
EXTENDED TECHNOLOGY ACCEPTANCE MODEL”, ADBI
Working Paper 998. Tokyo: Asian Development Bank Institute.
Mohamed Asmy Mohd Thas Thaker, Hassanudin Mohd Thas Thaker,
Md Fouad Amin, Anwar Allah Pitchay (2019) “Electricity
Consumption and Economic Growth: A Revisit Study of Their
Causality in Malaysia” Etikonomi, Volume 18 (1), 2019: 1 - 12, P-
ISSN: 1412-8969; E-ISSN: 2461-0771
Mohamed Asmy Bin Mohd Thas Thaker, Md Fouad Bin Amin,
Hassanudin Bin Mohd Thas Thaker, Anwar Bin Allah Pitchay,
(2018) "What keeps Islamic mobile banking customers loyal?",
Journal of Islamic Marketing, https://doi.org/10.1108/JIMA-08-
2017-0090 (Emerald).
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Mehboob ul Hassan, Muhammad Nauman Khan, Md Fouad Bin
Amin, & Imran Khokhar (2018) “Measuring the Performance of
Islamic Banks in Saudi Arabia” Int. Journal of Economics and
Management (Scopus Indexed), Vol. 12 (1): 99-115.
Md. Fouad Bin Amin, Shah Jalal Uddin (2018) “Microfinance-
Economic Growth Nexus: A Case Study On Grameen Bank in
Bangladesh”, International Journal of Islamic Economics and
Finance (IJIEF), Volume 1 Number 1, July 2018.
Muhammad Nauman Khan, Md Fouad Bin Amin, Imran Khokhar,
Mehboob ul Hassan (2018) “Efficiency Measurement of Saudi
Banking Industry: An Empirical Comparative Analysis”, Published
in Al-Shajarah: Journal of the International Institute of Islamic
Thought and Civilization (ISTAC), Special Issue (2018).
Rashidah Abdul Rahman, Aliyu Dahiru Muhammad, Selim Ahmed,
Fouad Amin, (2016) "Micro entrepreneurs’ intention to use
Islamic micro-investment model (IMIM) in Bangladesh",
Humanomics, Vol. 32 Issue: 2, pp.172-188,
Mohamed Aslam Haneef, Ataul Haq Pramanik, Mustafa Omar
Mohammad, Fouad Bin Amin and Aliyu D. Muhd, (2015)
“INTEGRATIONOF WAQF - ISLAMIC MICROFINANCE
MODEL FOR POVERTY REDUCTION: THE CASE OF
BANGLADESH”, International Journal of Islamic and Middle
Eastern Finance and Management, Vol. 8 Issue 2 pp. 246 – 270
Muhammad, A. Haneef, A. Mustafa O. Pramanik, A. Amin,
Fouad. (2015) Applicability of Integrated waqf based Islamic
Microfinance Model for Malaysia, Bayero Journal of Islamic
Finance (BIJIF)
Aliyu Dahiru Muhammad, Nafiu Oladokun, Fouad Bin Amin
(2014), “Zakat Distribution among Asnaf in Wilayah and Selangor:
Analytic Hierarchy Process (AHP)” Bayero International Journal of
Islamic Finance (BIJIF), An International Reference Journal of the
International Institute of Islamic Banking and Finance (IIIBF),
Bayero University Kano, Nigeria, Maiden Edition.
Mohamed A. Haneef, Ataul Huq Pramanik, Mustafa O.
Mohammed, Aliyu Dahirud and Fouad B. Amin (2013),
Integration of Waqf and Islamic Microfinance for Poverty
Reduction: A Survey in Kuala Selangor, Malaysia, Journal of
Islamic Finance, Vol. 2 No. 2 (2013) 001 – 016. IIUM Institute of
Islamic Banking and Finance, ISSN 2289-2117 (O)/ 2289-2109 (P)
7
Nasim Shah Shirazi & Fouad Bin Amin (2010), “Providing for the
Resource Shortfall for Poverty Elimination through potential zakat
Collection in OIC-member Countries: Reappraised” Journal of
Islamic Economics, Banking and Finance (JIEBF), Volume - 6,
Number - 3, July - August 2010
Mohamed Asmy Bin Mohd Thas Thaker, Wisam Rohilina, Aris
Hassama & Fouad Bin Amin (2010) “Effects of Macroeconomic
Variables on Stock Prices in Malaysia: An Approach of Error
Correction Model”, The Global Journal of Finance and Economics
(GJFE), Volume-7, No. 2.
Articles
Submitted/
Accepted
Md Fouad Bin Amin (2020), Mehboob ul Hassan, Nauman Khan, Imran
Khokhr, “Examining the Comparative Efficiency of GCC Islamic
Banking” Journal of Islamic Banking and Finance, Volume 37 Oct-Dec
2020 No. 4. (Accepted)
Md Fouad Bin Amin, Mehboob ul Hassan, Imran Khokhar, Muhammad
Nauman Khan, (2020) “Measuring the Bank-Specific Determinants of
Profitability: Panel Data Evidence from the Saudi Banking Industry,
International Journal of Economics and Management - Decision on
Manuscript ID IJEAM-2020-0033 (Accepted with minor correction)
Md Fouad Bin Amin and Mohd Rehman (2020), Asymmetric linkage of
Oil prices and Money Supply on Sectoral Price Indices in Saudi Arabia:
ARDL & Non-linear ARDL Approach, Resource Policy, The International
Journal of Minerals Policy and Economics, (ISI, Impact Factor: 3.185)
8
Research
Papers in
Progress:
Md Fouad Bin Amin and Mehboob-ul Hassan, (2019) “Economic
Growth nexus banks’ income and stock prices in Saudi Arabia: Evidence
from Panel ARDL Approach” (In progress)
Md Fouad Bin Amin (2019) and Mehboob-ul Hassan, “FINANCE-
ECONOMIC GROWTH NEXUS IN SAUDI ARABIA: A PANEL
VECM APPROACH” (In progress)
Mehboob ul Hassan, Md Fouad bin Amin, Imran Khokhar, Muhammad
Nauman Khan, (2020) “Measuring the Bank-Specific Determinants of
Profitability: Panel Data Evidence from GCC Region (In progress)
Md Fouad bin Amin, Mehboob ul Hassan, Imran Khokhar, Muhammad
Nauman Khan, (2020) Bank-specific determinants of profitability in GCC
Islamic and commercial banks: A comparative study with panel data (In
progress)
Mehboob ul Hassan, Md Fouad bin Amin, Imran Khokhar, Muhammad
Nauman Khan, (2020) Bank-specific determinants of profitability: A
comparative study of selected OIC Member Countries (In progress)
Published
Working
Papers
Mohamed Asmy Bin Mohd Thas Thaker, Hassanudin Bin Mohd Thas
Thaker, Anwar Bin Allah Pitchay, Md Fouad Bin Amin and Ahmad Bin
Khaliq (2020) "Leveraging Islamic Banking and Finance For Small
Businesses: Exploring The Conceptual And Practical Dimensions" Asian
Development Bank Institute (ADBI) Working Paper Series, No. 1156
June 2020, Tokyo, Japan
Conference
Paper
Mohamed Asmy Bin Mohd Thas Thaker; Md Fouad Bin Amin;
Hassanudin Bin Mohd Thas Thaker; Anwar Allah Pitchay; Ahmad
Khaliq, (2019) "Modelling Customers’ Loyalty in Using Islamic Mobile
Banking Services", The 10-th Foundation of Islamic Finance
Conference/Symposium 2019 “Advanced Research in Islamic Finance”
28-th November 2019 Sunway University, Bandar Sunway, Selangor,
Malaysia Venue: Function Room #3, Level 1, Sunway University New
Building
Mohd A. Aliyu Dahiru, Ataul Huq P., Mustafa, O. and Fouad A.
(2014), Applicability of a Waqf-Based Islamic Micro Finance Model
in Malaysia, 1st International Conference on Islamic Banking and
Finance, Theme: Islamic Banking and Finance: A Leap from Theory
to Practice, Date: 17th-19th April, Venue: Musa Abdullahi
Auditorium, Bayero University, New-Site.
9
Aliyu Dahiru Muhammad, Nafiu Oladokun, Fouad Bin Amin
(2013), “Zakat Distribution among Asnaf in Wilayah and Selangor:
Analytic Hierarchy Process (AHP)” presented at the 2ND
INTERNATIONAL CONFERENCE ON ISLAMIC ECONOMICS
AND ECONOMIES OF THE OIC COUNTRIES (ICIE2013), at
Prince Hotel and Residence, Kuala Lumpur, Malaysia, on 29th - 30th
January.
Mohamed Aslam Haneef, Mohamed Aslam Haneef, Ataul Huq
Pramanik, Mustafa Omar Mohammad, Fouad Amin and Aliyu
Dahiru Mohammed (2013), INTEGRATION OF WAQF- ISLAMIC
MICROFINANCE MODEL FOR POVERTY REDUCTION: THE
CASE OF BANGLADESH, 9th International Conference on Islamic
Economics and Finance, Istanbul, Turkey.
Mohamed A. Haneef, Ataul Huq Pramanik, Mustafa Omar
Mohammed, Aliyu Dahiru and Fouad B. Amin (2013), Integration of
Waqf and Islamic Microfinance for Poverty Reduction: A Pilot
Survey in Kuala Selangor, Malaysia, The 1st ASEAN International
Conference on Islamic Finance (1st AICIF), Venue: IIUM Institute of
Islamic Banking and Finance (IIiBF) 205 A, Jln. Damansara, Kuala
Lumpur, Malaysia.
Mohamed A. Haneef, Aliyu Dahiru, Ataul Huq Pramanik, Mustafa
Omar Mohammed and Fouad B. Amin (2013), “Conceptual
Development of Integrated Waqf Based Islamic Microfinance Model
for Poverty Alleviation in OIC Member Countries, World
Universities’, presented at the Islamic Philanthropy Conference
(WUIPCON 2013) ‘Transforming Islamic Philosophy for Ummatic
Excellence’ held on 4 & 5 December, 2013, Menara Bank Islam,
Kuala Lumpur, Malaysia.
Fouad Bin Amin and Moha Asri Abdullah (2010), “Islamic Banking
and Finance across the Globe: Issues and Challenges” presented at
the workshop organized by School of Marketing and International
Business, Victoria University of Wellington, New Zealand on April
10, 2010
Nasim Shah Shirazi and Fouad Bin Amin (2010), “Providing for the
Resource Shortfall for Poverty Elimination through potential zakat
Collection in OIC-member Countries: Reappraised”, presented at the
PIDE in Pakistan on, 20-24 March, 2010
10
Mohamed Asmy Bin Mohd Thas Thaker, Wisam Rohilina, Aris
Hassama & Fouad Bin Amin (2009) “Effects of Macroeconomic
Variables on Stock Prices in Malaysia: An Approach of Error
Correction Model”, presented at the International Conference on
Islamic Economics & Economics of the OIC countries, held on 28-29
April, 2009
Moha Asri Abdullah and Fouad Bin Amin (2008) “Recent Migrant
Workers in Malaysia: Macroeconomic Analysis and Policy
Implications”, presented at the International Conference, Business
and Economy ICBE 2008 Constanta, Romania.
CONFERENCE, SEMINAR AND WORKSHOP ATTENDED
Conference
International Conference on “Development and Ummatic Vision”,
organized by Department of sociology & Anthropology, IRKHS,
International Islamic University Malaysia, held on 28th - 30th July
2009, in collaboration with International Institute for Muslim Unity,
International Islamic University Malaysia.
International Conference on “Management of Resource in Muslim
Countries and Communities: challenges and prospects” held on 4th-6th
August, 2009, organized by International Institute for Muslim Unity,
Senate Hall, International Islamic University Malaysia.
Seminar Seminar on Research Methodology, Topics: Philosophical issues in
Doing Research, doing and Writing a Good Literature Review,
Preparing an Outstanding Research Proposal, Using IT in Research,
held on 23rd and 24th June, 2008, organized by Postgraduate Students’
Society, in collaboration with Center for Postgraduate Studies,
International Islamic University Malaysia.
Workshop
Attended a day long workshop on AACSB, organized by the on the
College of Business Administration, February 2, 2020
Attended a half-day session conducted by Dr. Durga Prasad Samontaray,
Associate Professor – Finance, College of Business Administration
(CBA), King Saud University (KSU), Chairman of Assurance of
Learning (AOL) Committee (2017-2021), December 01, 2019
International Workshop on Zakat, Waqf and Islamic Microfinance
“Strengthening Islamic Social Finance Sector” held on Monday-
Tuesday, April 29-30, 2013, IPB International Convention Center
(IICC), Bogor, Indonesia.
Workshop on “Analytic Hierarchy Process” held on 19th May, 2012 at
Kullliyyah of Economics and Management Sciences (KENMS),
International Islamic University Malaysia., organized by Center for
Islamic Economics (CIE) (previously known as Islamic Economics &
Policy Research Unit).
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Workshop on “Panel Data Analysis” held on 28th April, 2012 at
Kullliyyah of Economics and Management Sciences (KENMS),
International Islamic University Malaysia., organized by Center for
Islamic Economics (CIE).
Workshop on “Introduction to Structural Equation Modeling (SEM)”
held on 20th-22nd February, 2009, organized by Research and
Management Centre, International Islamic University Malaysia.
ACADEMIC COMMUNITY INVOLVEMENT
Conferences organization and committee work
Conferences
organization
and committee
work
Assurance of Learning (AOL) committee of Department of Economics,
College of Business Administration, King Saud University.
Conference organizer, international conference on “Islamic Economics:
Economics of the OIC Countries” held on 28-29 April, 2009, Istana
Hotel, Kuala Lumpur Malaysia.
Workshop organizer, “Panel Data Analysis” workshop held on 28th
April, 2012, International Islamic University Malaysia.
Workshop organizer, “Analytic Hierarchy Process” workshop held on
19th May, 2012, International Islamic University Malaysia.
Member Newsletter Crew, the Post Graduate Student (PGSS), 2011-
2012 Session, International Islamic University Malaysia.
Facilitator, Co-curricular activity centre (CCAC) of International
Islamic University Malaysia, from July 20, 2008 to November 20,
2008.
Member, News Letter for 2010-2011 session, Post Graduate Student
Society, International Islamic University Malaysia
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International Research Collaboration
Research
Collaborations
Dr. Mohamed Asmy Bin Mohd Thas Thaker, Associate Professor,
Department of Economics, International Islamic University Malaysia
Dr. Ahmad Bin Khaliq, Assistant Professor, International Islamic
University Malaysia
Dr. Hassanudin Bin Mohd Thas Thaker, Assistant Professor, Faculty
of Business, Economics, and Accounting, HELP University Malaysia
Dr. Anwar Bin Allah Pitchay, Assistant Professor, School of
Management, Universiti Sains Malaysia
Dr. Mahbubul Haque, Associate Professor, Asia Pacific University
Bangladesh
Dr. Ruhul Amin, Assistant Professor, Asian University, Bangladesh
References
References
Professor. Mohammed Al-jarrah, Department of Economics,
Supervisor & Director of Islamic Banking Center, College of
Business Administration, King Saud University, PO Box 71115,
Riyadh, Kingdom of Saudi Arabia
Email: [email protected]; Tel: +966 11 4693428
Professor, Mehboob-ul Hassan, Department of Economics, Islamic
Banking Center College of Business Administration, King Saud
University, P.O. Box 71115, Riyadh, 11587 KSA
Email: [email protected]; Tel: +966 592 87 7490
Professor Dr. Ataul Huq Paramanik, Department of Economics,
Kullliyyah of Economics and Management Sciences (KENMS),
Selangor, International Islamic University Malaysia, Jalan Gombak
53100, Kuala Lumpur, Malaysia.
Email: [email protected]; Tel: +60361964621
Assoc. Prof. Dr. Mustafa Omar Mohammed, Kullliyyah of
Economics and Management Sciences (KENMS), Selangor,
International Islamic University Malaysia, Jalan Gombak 53100,
Kuala Lumpur, Malaysia.
Email: [email protected]; Tel: +60361964622
