Dr. Nurhafiza Abdul Kader Malim




Position: Lecturer

Academic Qualifications:
PhD in Islamic Finance (INCEIF, MALAYSIA)
Masters in Islamic Finance (INCEIF, MALAYSIA)
Bachelor of Economics (IIUM, MALAYSIA) 
Bachelor of Islamic Revealed Knowledge (IIUM, MALAYSIA)
Diploma in Public Administration (INTAN, MALAYSIA)


Room   Room : L10-09
Phone: (+604)653 5289
Fax:     (+604)657 7448
Email: fizanur@usm.my


Nurhafiza Abdul Kader Malim, Phd. is currently a lecturer in the Islamic Finance Section, School of Management, Universiti Sains Malaysia.  She received her PhD from the International Centre for Education in Islamic Finance (INCEIF). Prior to joining USM, she worked at the Economic Planning Unit, Prime Minister’s Department as Assistant Director and Administrative and Diplomatic Officer. She was a research assistant at IIUM and INCEIF for several textbooks published by the Oxford University Press including Fundamentals of Microeconomics, Islamic Banking and Finance: An Integrative Approach and Economics with Islamic Orientation. She had also worked as a tutor at the University of Malaya. Her research interest is in the field of Islamic banking and finance. 


Research Area:

Islamic Banking and Finance
Non-banking Financial Institution
Public Administration and Policy

Research Project:


Selected Publications:




  1. Financial Intermediation Costs in Islamic Banks: The Role of Bank-specific, Market-specific and Institutional-governance Factors. Presented at 4th Islamic Banking Conference, 23-24 June 2014, Lancaster University Management School, United Kingdom.
  2. Risk Management in Islamic Banking: Issues and Challenges. Workshop Antarabangsa Pembangunan Islam, 2010, Medan Indonesia.
  3. The Source of Value and Capital Formation: Ibn Khaldun, David Ricardo and Karl Marx – A Comparison, 2006, International Conference on Ibn Khaldun, Madrid, Spain.

 Selected Publications in Book and Book Chapters:

  1. Nurhafiza Abdul Kader Malim, Mansor H. Ibrahim and Mohamed Eskandar Shah Mohd Rasid (2015). Explaining Intermediation Costs of Islamic Banks in OIC Countries: A Panel Analysis. Handbook of Empirical Research on Islam and Economic Life, Edward Elgar Publishing. (forthcoming)







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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