Dr. Nik Hadiyan

SoM Profile Nik Hadiyan Nik Azman


Position: Senior Lecturer

Academic Qualifications:

PhD. International Islamic University Malaysia (Kulliyah Economics and Management Sciences)
MA, Universiti Sains Malaysia (Islamic Economics)
BBA (Hons), Universiti Sains Malaysia (Finance)


Room: School of Management, 210
Phone: (+604) 653 5163
Fax: (+604) 657 7448
Email: nikhadiyan@usm.my


NIK HADIYAN NIK AZMAN, Ph.D. is a Senior Lecturer at the School of Management, Universiti Sains Malaysia. She was conferred Doctor of Philosophy in Islamic Finance from the IIUM Kulliyah Economics and Management Sciences, International Islamic University Malaysia. Her research interest is in Islamic finance, Islamic Micro-finance, Islamic social finance, and non-banking Islamic financial institutions. She has published in internationally refereed journals. She has also reviewed articles for international journals. 


Research Area: 

Research Area: Islamic Finance, Islamic Social Finance, Non-Banking Islamic Financial Institutions, Ar-Rahnu

Research Project:

On-going Research:

Completed Research:

Selected Publications in Journals:

Nik Azman, N. H., & Kassim, S. H. (2017). Pricing practices of ar-rahnu providers in Malaysia. Middle East Journal of Management, 4(1), 84-96. [ISI-Indexed]

Nik Azman, N. H., & Kassim, S. H. (2017). Ar-rahnu as a Source of Financial Sustainability for Women Micro-Entrepreneurs in Malaysia. Journal of Islamic Monetary Economics and Finance, 2(2), 221-250. [Non-ISI/Non-SCOPUS]

Nik Azman, N. H., Kassim, S., & Adeyemi, A. A. (2016). Role of Ar-Rahnu as Micro-Credit Instrument in Achieving Financial Self-Sufficiency among Women Micro-Entrepreneurs. Intellectual Discourse, 24, 365. [SCOPUS-Indexed]

Masron, T. A., Nik Azman, N. H., & Fujikawa, T. (2015). Halal Development and Malaysian Exports to Western Asian Countries. Malaysian Journal of Economic Studies, 52(1), 55-73. [SCOPUS-Indexed]

Masron, T. A., Fujikawa, T., & Nik Azman, N.H. (2014). Malaysian Exports to Middle Eastern Asian Countries: Trends and the Role of Trade Agreement. Asian Academy of Management Journal, 19(2). [SCOPUS-Indexed]

Nik Azman, N. H., & Masron, T. (2014). Halal Development and Food Exports: Evidence from Malaysia and the Middle Eastern Asian Countrres. Jurnal Ekonomi Malaysia, 48(2), 61-69. [SCOPUS-Indexed]

Selected Conferences:

Achieving Financial Sustainability for Women Micro-Entrepreneurs through Islamic Pawnbroking: The Moderating Role of Demographic Factors, Conference on Philanthropy for Humanitarian Aid (CONPHA), Brunei Darussalam, 23-24 May 2017. (Note: 1st Prize for Best Paper Award)

The Usage of Ar-Rahnu in Promoting Financial Growth among Women Micro-Entrepreneurs in Malaysia, 3rd International Islamic Monetary Economics and Finance Conference (IIMEFC), Grand City Convex Surabaya, East Java, Indonesia, 8-9 November 2017.

Achieving Financial Stability for Women Micro-Enterprises: Does Education Level Moderate the Relationship of Ar-Rahnu Usage and Financial Self-Sufficiency? 4thAsean Islamic Finance Conference 2016, Melaka, 6-8 December 2016.

Ar-Rahnu as a Source of Financial Sustainability for Women Micro-Enterprises in Malaysia, 2nd International Islamic Monetary Economics and Finance Conference (IIMEFC), Grand City Convex Surabaya, East Java, Indonesia, 27-28 October 2016.

Key Factors Influencing Women Micro-Entrepreneurs to Use Ar-Rahnu: Evidence from Siti Khadijah’s Market, Kelantan, 2nd International Conference Business, Banking and Finance, ICBBF28-19 August 2015, Ho Chi Minh City, Vietnam.

A Critical Review of the Literature on Acceptance Factors toward the Ar-Rahnu Scheme in Malaysia, Islamic Business Management Conference (IBMC) 2014, Putra World Trade Centre (PWTC) Kuala Lumpur, Malaysia18th–19th August 2014.

Halal Development and Malaysian Exports,3rd International Conference on Business and Economic Research (3rd ICBER 2012), 12-13 March 2012, Golden Flower Hotel, Bandung, Indonesia.

Selected Publications in Books and Book Chapters:









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School of Management
Universiti Sains Malaysia,11800 USM, Penang, Malaysia.
Tel : +604-653 3984/3985/2520/3370
Fax :+04-657 7448 | Email: som@usm.my