Prof. Dr Norma Md Saad

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1. Md Saad, Norma and Abu Saiid, Bushra and Mansor, Mohd Fitri and Che Embi, Nor Azizan and Jaiyeoba, Haruna Babatunde (2025) Developing micro-entrepreneurs through business incubation centre. International Journal of Academic Research in Business and Social Sciences, 15 (10). pp. 107-124. E-ISSN 2222-6990
2. Md Saad, Norma and Wudil, Adamu Ahmed and Uddin, Md Nazim and Ismail, Yusof (2025) Islamic microfinance and Sustainable Development Goals (SDGs): evidence from Bangladesh, Malaysia and Turkey. International Journal of Research and Innovation in Social Science, IX (XV). pp. 1-14. ISSN 2454-6186
3. Wudil, Adamu Ahmed and Md Saad, Norma and Lacheheb, Zakaria and Rislanudeen, Muhammad (2024) Government budgets and social development in Africa: moderating effect of government effectiveness. International Journal of Academic Research in Economics and Management Sciences, 13 (1). pp. 88-100. E-ISSN 2226-3624
4. Wudil, Adamu Ahmed and Md Saad, Norma and Lacheheb, Zakaria and Muhammad, Rislanudeen (2024) Does u-shaped relationship hold between foreign aid and human development index across African countries? an empirically analysis. International of Academic Research in Accounting and FInance and Management Sciences, 14 (1). pp. 249-262. E-ISSN 2225-8329
5. Wudil, Adamu Ahmed and Md Saad, Norma and Lacheheb, Zakaria and Rislanudeen, Muhammad (2024) Achieving social development in Africa through Eafricamuamalat. International Journal of Academic Research in Progressive Education and Development, 13 (1). pp. 943-952. E-ISSN 2226-6348
6. Uddin, Md. Nazim and Nahar, Lutfun and Kassim, Salina and Md Saad, Norma (2023) Factors affecting financial literacy among micro small and medium-sized enterprises (MSMEs) in Bangladesh and Malaysia. In: 8th International Student Symposium, Istanbul, Turkiye.
7. Md Saad, Norma and Mohd Amin, Ruzita (2023) International trade and Muslim countries. International Institute of Islamic Thought-IIUM, Kuala Lumpur. ISBN 978-967-445-500-2
8. Uddin, Md. Nazim and Nahar, Lutfun and Md Saad, Norma (2023) Empowering Rohingya refugees through Islamic microfinance: exploring prospects and challenges in Bangladesh. Journal of Islamic Social Finance, 1 (1). pp. 13-23.
9. Le, Long and Md Saad, Norma (2023) Exploring the frontier in microfinance: faith-based and interfaith microfinance collaboration in conflict-affected environments. Journal of Islamic Finance, 12 (1). pp. 32-47. ISSN 2289-2109 E-ISSN 2289-2117
10. Wudil, Adamu Ahmed and Md Saad, Norma and Omercic, Jasmin and Lacheheb, Zakaria and Muhammad, Rislanudeen (2023) Foreign aid and poverty reduction in developing countries: a systematic literature review. Conferencii: Interdisciplinary Research, Education and Innovation, 6. pp. 4-7. E-ISSN 2753-6408
11. Uddin, Mohammad Nazim and Nahar, Lutfun and Rahman, Mohammad Mizanur and Md Saad, Norma (2022) The determinants of financial literacy among micro, small, and medium-sized enterprise (MSMEs) in Bangladesh and Malaysia. Journal of Entrepreneurship Education, 26 (Special Issue 1). pp. 1-13. ISSN 1098-8394 E-ISSN 1528-2651
12. Hashim, Husna and Md Saad, Norma and Khalid, Haniza and Laluddin, Hayatullah (2019) Halal compliance in poultry industry: a review of regulatory system in Malaysia. International Journal of Academic Research in Business and Social Sciences, 9 (12). pp. 486-494. ISSN 2222-6990 E-ISSN 2308-3816
13. Md Saad, Norma and Kayadibi, Saim and Hamid, Zarinah and Saleem, Muhammad Yusuf and Kassim, Salina and Osman@Hussin, Ahmad Zamri (2018) The role of corporate and public entities in managing waqf institutions in Muslim countries. The International Institute of Islamic Thought (East and South East Asia), Kuala Lumpur. ISBN 978-967-2190-08-0
14. Md Saad, Norma and Khalid, Haniza and Laluddin, Hayatullah and Hashim, Husna (2020) Developing a framework for halal compliance: the case of poultry industry in Malaysia. Project Report. UNSPECIFIED. (Unpublished)
15. Md Saad, Norma (2019) Pembasmian kemiskinan: wakaf & program keusahawanan sosial. In: Filantropi Islam dan wakaf korporat di Malaysia. Penerbit IKIM/IKIM Press, Kuala Lumpur, pp. 99-122. ISBN 978-983-2718-75-8
16. Md Saad, Norma and Kassim, Salina and Hamid, Zarinah (2018) Best practices of waqf: experiences of Malaysia and Saudi Arabia. In: Waqf and socio-economic development. IIUM Press, & Islamic Research and Training Institute (IRTI), Kuala Lumpur, pp. 68-98. ISBN 978-967-418-398-1
17. Sles, Alfin and Md Saad, Norma (2018) Determinants of awareness on Islamic microfinance among Cambodian Muslims. International Journal of Development and Sustainability, 7 (9). pp. 2227-2241. ISSN 2186-8662
18. Hafifuddin, Qurroh Ayuniyyah and Pramanik, Ataul Huq and Md Saad, Norma and Ariffin, Muhammad Irwan (2018) Zakat for poverty alleviation and income inequality reduction: West Java, Indonesia. Journal of Islamic Monetary Economics and Finance, 4 (1). pp. 85-100. ISSN 2460-6146 E-ISSN 2460-6618
19. Shulthoni, Muhammad and Md Saad, Norma (2018) Waqf fundraising management: a conceptual comparison between traditional and modern methods in the waqf institutions. Indonesian Journal of Islam and Muslim Societies, 8 (1). pp. 57-86. ISSN 2089-1490 E-ISSN 2406-825X
20. Oladapo, Hakeem B. and Md Saad, Norma and Omar Mohamad, Mustafa and Oziev, Gapur (2017) Cash waqf as an alternative panacea to poverty alleviation: An overview of human development in Nigeria. Turkish Journal of Islamic Economics, 4 (2). pp. 83-90. ISSN 2587-2303 E-ISSN 2587-232X

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