Rubayah Binti Yakob

Rubayah Binti Yakob
Universiti Kebangsaan Malaysia | ukm · Centre of Governance Resillience and Accountability

PhD (Economics); MBA; B.Sc. (Actuarial Science)

About

28
Publications
11,799
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98
Citations
Additional affiliations
March 1997 - December 2016
Universiti Kebangsaan Malaysia
Position
  • Professor (Associate)

Publications

Publications (28)
Article
Full-text available
High competition in Indonesian banking sectors has resulted in the non-survival of rural banks in Indonesia in the long run. The lack of third-party funding becomes one of the most important factors that cause many rural banks to face liquidity risk. Hence, many rural banks use interbank borrowing fund as an alternative source of funding in order t...
Article
Purpose This study aims to assess enterprise risk management (ERM) practices in waqf institutions (WIs) along with their strengths and weaknesses; highlight ERM trends in WIs; and determine the best ERM practices for these institutions. Design/methodology/approach Data were collected via structured interviews with nine WI managers in Malaysia. A s...
Article
Purpose Participation in micro-family takāful plans amongst low-income earners remains low despite the various initiatives promoted by the Malaysian Government. Therefore, this study aims to conduct an in-depth examination on the indicators of having micro-takaful tafakul in Malaysia. Design/methodology/approach Questionnaires were distributed to...
Article
Full-text available
The inconsistency in research findings on the level of non-financial risk disclosure might be due to the measurement applied in prior studies. Prior studies measured non-financial risk disclosure by using manual text analysis. The results only covered types of non-financial risk disclosures that are only being reported in the company's annual repor...
Article
Research Aims - This study aims to identify the effect of Enterprise Risk Management (ERM) on Small and Medium Enterprise (SME) performance. Design/methodology/approach - This study employed a multiple regression analysis. SME performance was treated as dependent variable, whereas ERM was the independent variable. Research Findings - Multiple reg...
Article
Takaful Dinamik Berhad (TDB) is one of the leading takaful companies in Malaysia. Yusof bin Ahmad purchased one of its products, the investment-linked takaful plan, five years ago. He had dutifully paid all his contributions (i.e., premium) since the policy was enforced. Sadly, Yusof was diagnosed with a Primary Progressive Multiple Sclerosis disea...
Article
Polisi takaful yang berkonsepkan takaful mikro sudah lama diperkenalkan di Malaysia. Rasional kepada pembangunan konsep takaful mikro ialah untuk memastikan setiap lapisan masyarakat di Malaysia mampu memiliki perlindungan takaful, khususnya mereka yang berpendapatan rendah seperti B40. Namun begitu, pemilikan perlindungan takaful atau insurans dal...
Article
This study aims to identify the demographic characteristics affecting the level of understanding of education takaful plan. The data was collected through questionnaires from 145 respondents in Klang Valley, Malaysia, which chosen based on the convenience sampling technique. Results from the independent sample t-test and one-way ANOVA showed that f...
Article
Full-text available
This study examines the impact of relational marketing to customer satisfaction with the case study on Postgraduate Students at Universitas Pendidikan Indonesia who become the customer of Bank BNI Setiabudhi, Bandung. The study aims to determine the impact of relational marketing's variables such as the level of commitment, empathy, reciprocity and...
Article
Full-text available
This study examines the impact of relational marketing to customer satisfaction with the case study on Postgraduate Students at Universitas Pendidikan Indonesia who become the customer of Bank BNI Setiabudhi, Bandung. The study aims to determine the impact of relational marketing’s variables such as the level of commitment, empathy, reciprocity and...
Article
Full-text available
Micro takaful is a manifestation of financial inclusion in a country. The purpose of micro takaful is to support the financial needs of the poor and unfortunate group, in which most of them are known as the B40 segment. The majority of them are considered the asnaf (reciepients) of zakat. They are the groups most susceptible to financial shocks in...
Article
Full-text available
Family takaful or life insurance is an economic mechanism that plays an important role in providing individual economic security from all walks of life especially for 40 lowest-income household (B40) who is said to be a vulnerable group to economic shocks that occur. The importance of family takaful or life insurance becomes more apparent with incr...
Article
This study aims to calculate the level of solvency of takaful operators in Malaysia using the Altman Z-Score. Several solvency estimators, including Margin of Solvency [MOS], Risk-Based Capital [RBC], Claims Paying Ability [CPA] and CAMEL rating, have been developed and applied in the industry. The problems of asymmetric information which are inher...
Article
This study seeks to estimate the extent of underinsurance among Malaysian families in 2012. Underinsurance is quantified by the extent to which the citizens in a country are inadequately covered by the life insurance protection. To measure underinsurance, we use the concept of the life insurance protection gap as proposed by Swiss Re (2004). The mo...
Article
It is essential to test the stability of the efficient frontier and the reliability of efficiency scores obtained from DEA. This becomes more significant if the results will be used to make management decisions or to enhance the efficiency of the firm. Therefore, this study will perform several tests to ensure the stability of the relative efficien...
Article
Risk management is very important in ensuring co-curricular programs at the university to achieve its role as a complement to the academic curriculum, to produce graduates who are balanced in the aspects of physical, emotional, spiritual and intellectual. The study looked at the implementation of the Risk Breakdown Structure (RBS) approach which is...
Article
Full-text available
Financial literacy is important for it is widely known to have impact on individual financial decision making thus financial wellbeing. In today’s phenomenon of rising students loan default and its association with the financial literacy level locally and globally, this paper attempts to examine financial literacy level among Malaysian students by...
Article
The objective of this study is to analyze the efficiency and determinants of investment management among life insurers and takaful operators and, thus be able to describe their investment efficiency and provide information to firms about the things that need to be improved. This study will use slack-based measure – data envelopment analysis (SBM –...
Article
This study is aimed to assess the financial management efficiency of each insurer/takaful operator in both conventional and takaful industry. We also identify the operating system that is more efficient among the conventional and takaful system which involves 20 firms. The results from the slack-based measure (SBM) - data envelopment analysis (DEA)...
Article
The objective of this study was to identify the exogenous variables of risk and investment management efficiency by using a two-stage data envelopment analysis (DEA) method. The first stage involves obtaining the efficiency scores of risk and investment management via DEA that requires only the traditional inputs and outputs. In the second stage, t...
Article
The business of insurance is based on the trust of its policyholders, who expect that their losses will be compensated should the need arise at any time. Thus, sound financial conditions constitute the most important criterion for insurance firms, as well as for takaful operators. Although the policyholder may be the most important source of insure...
Article
Full-text available
This study aims at looking at the financial strength based on the CAMEL rating system for each of the conventional life insurers and takaful operators. The existing financial indicators, such as the margin of solvency (MOS), risk-based capital (RBC) and claim paying ability (CPA) rating,present their own constraints in providing information concern...
Article
Full-text available
The dynamically change in a wide range of risk have exposed some challenges in risk management nowadays. By handling these risk efficiently, life insurers and Takaful operators would guarantee the long lasting of their businesses, as well as warranty the favourable return to the shareholders, guarantee the ability to compensate the policy holders a...
Article
Full-text available
Mat: Nor Kajian ini Cuba untuk nzembuat eksplorasi ke atas kesan tempoh matang dan volum dagangan ke atas kemeruapan pasaran bon Malaysia. Bon MGS, Cagamas clan Korporat yang aktif didagangkan merupakan data yang digunakan di dalam kajian ini. Perhubungan di antara pembolehubah-pembolehubah ini seterusnya dicerap dengan menggunakan analisa regresi....
Article
Full-text available
In Malaysia, motorists are required by law to insure minimum coverage for their automobiles. However, the policy they own and the insurer they choose may not suit their needs. This study examines several characteristics which influence consumers' selection of auto insurance policy and their loyalty to one insurer. Data were collected from a survey...

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