Cheah, Yong Kang and Abdul Adzis, Azira and Abu Bakar, Juhaida and Tang, Chor Foon and Lim, Hock Kuang and Kee, Chee Cheong (2020) Age, educational level and consumption of medical care: evidence from Malaysia. Malaysian Journal of Public Health Medicine, 20 (1). pp. 109-121. ISSN 1675–0306

Abdul Adzis, Azira and Sheng, Lee Eng and Abu Bakar, Juhaida (2018) Bank lending determinants: evidence from Malaysia commercial banks. Journal of Banking and Finance Management, 1 (3). pp. 36-48. (Unpublished)

Abdul Adzis, Azira and Ramli, Nurul Hazwani (2015) Bank-specific and macroeconomic determinants of bank profitability: Malaysian evidence during the 2007-2009 global financial crisis. In: 11th Asian Academy of Management International Conference 2015 (AAMC 2015), 2nd - 4th October 2015, Penang, Malaysia.

Wong, Woei Chyuan and Batten, Jonathan A. and Ahmad, Abd Halim @ Hamilton and Mohamed Arshad, Shamsul Bahrain and Nordin, Sabariah and Abdul Adzis, Azira (2020) Does ESG certification add firm value? Finance Research Letters. pp. 1-18. ISSN 15446123

Abdul Adzis, Azira (2017) Evidence from selected East Asian countries. International Journal of Management Studies (IJMS), 24 (1). pp. 23-39. ISSN 0127-8983

Cheah, Yong Kang and Abdul Adzis, Azira and Abu Bakar, Juhaida and Applanaidu, Shri Dewi (2018) Factors associated with consumption of sugar-sweetened foods and beverages in Malaysia: an ethnic comparison. International Journal of Diabetes in Developing Countries. pp. 1-11. ISSN 0973-3930

Cheah, Yong Kang and Abdul Adzis, Azira and Abu Bakar, Juhaida and Applanaidu, Shri Dewi (2019) Factors associated with demand for tobacco across Malaysia regions: participation and level of consumption. International Journal of Business and Society, 20 (3). pp. 1160-1177. ISSN 1511-6670

Abdul Adzis, Azira and Abu Bakar, Juhaida and Kadir @ Shahar, Hanita (2017) Factors influencing young adults’ debt in Malaysia. Journal of Business & Retail Management Research, 12 (1). pp. 76-85. ISSN 2051-848X

Abdul Adzis, Azira and Abu Bakar, Juhaida and Shahar, Hanita Kadir (2017) Factors influencing young adults’ debt in Malaysia. Journal of Business and Retail Management Research (JBRMR), 12 (1). pp. 76-85. ISSN 2051-848X

Abdul Adzis, Azira and Kadir @ Shahar, Hanita and Abu Bakar, Ab Malek Foad (2006) Graduate qualities and selection criteria in Malaysian financial institutions. Project Report. Universiti Utara Malaysia. (Unpublished)

Abdul Adzis, Azira and Tripe, David W.L. and Dunmore, Paul V. (2016) IAS 39, income smoothing, and pro-cyclicality: evidence from Hong Kong banks. Journal of Financial Economic Policy, 8 (1). pp. 80-94. ISSN 1757-6385

Abdul Adzis, Azira and Tripe, David W.L. and Dunmore, Paul V. (2010) International Financial Reporting Standards (IFRS) and income smoothing activities of banks: Evidence from Australia and New Zealand commercial banks. SSRN Electronic Journal. pp. 1-22. ISSN 1556-5068

Abdul Adzis, Azira and Anuar, Herman Shah and Mohd Hishamuddin, Noor Shahieda (2015) Malaysian commercial banks: Do income smoothing, capital management, signaling, and pro-cyclicality exist through loan loss provisions? International Journal of Economics, Finance and Management, 4 (2). pp. 68-76. ISSN 2307-2466

Abdul Adzis, Azira and Lim, Hock Eam and Siew, Goh Yeok and Saha, Asish (2020) Malaysian residential mortgage loan default: a micro-level analysis. Review of Behavioral Finance, ahead- (ahead-). pp. 1-19. ISSN 1940-5979

Chee, Yin Yip and Senadjki, Abdelhak and Hui, Nee Au Yong and Abdul Adzis, Azira (2020) Mitigating housing glut: an application to the Malaysian housing market. International Journal of Housing Markets and Analysis. pp. 1-25. ISSN 1753-8270

Abd Karim, Mohd Zaini and Mohd Harif, Mohd Amy Azhar and Abdul Adzis, Azira (2006) Monetary policy and sectoral bank lending in Malaysia. Global Economic Review, 35 (3). pp. 303-326. ISSN 1744-3873

Abdul Adzis, Azira (2022) Money Scams in Malaysia. Northern Malaysia Economic Bulletin (10). pp. 15-16. ISSN 1511-3477

Jadah, Hamid Mohsin and Murugiah, Logasvathi and Abdul Adzis, Azira (2016) The Relationship between CEO Characteristics and Financial Bank Performance: Empirical Evidence from Iraq. In: 3rd Annual ECoFI Symposium 2016, 18-19 Dicember 2016, Universiti Utara Malaysia,Kedah.

Cheah, Yong Kang and Applanaidu, Shri Dewi and Abdul Adzis, Azira and Nayan, Sabri and Abu Bakar, Juhaida (2021) Socio-Demographic and Lifestyle Factors Associated with Demand for Sugar-Sweetened Foods and Beverages in Malaysia: A Fundamental Model. Technical Report. Universiti Utara Malaysia, Sintok. (Submitted)

Cheah, Yong Kang and Applanaidu, Shri Dewi and Abdul Adzis, Azira and Abu Bakar, Juhaida (2020) Sociodemographic And Lifestyle Determinants of Household Consumption of Sugar-Sweetened Food in Malaysia: A Short Communication. Journal of Economics and Sustainability (JES), 2 (1). pp. 62-73. ISSN 2637-1294

Cheah, Yong Kang and Abdul Adzis, Azira and Abu Bakar, Juhaida and Applanaidu, Shri Dewi (2019) Sociodemographic determinants of Malaysian household’s use of and expenditure on alcohol: a regional comparison. Drugs: Education, Prevention and Policy. pp. 1-8. ISSN 0968-7637

Abdul Adzis, Azira and Batten, Jonathan A. and Kosim, Zunarni and Mohamed Arshad, Shamsul Bahrain (2019) White paper: how Malaysian banks can elevate B40 and MSME lending. SSRN Electronic Journal. ISSN 1556-5068

Mohd Harif, Mohd Amy Azhar and Abd Karim, Mohd Zaini and Abdul Adzis, Azira (2005) The impact of monetary policy on commercial bank lending in Malaysia: The investigation on agriculture, construction & manufacturing sectors. In: International Conference on Governance Accountability & Taxation, 05-06 September 2005, Crown Princess Hotel, Kuala Lumpur. (Unpublished)

Abdul Adzis, Azira (2017) The pro-cyclicality of loan loss provisions: Evidence from selected east Asian countries. International Journal of Management Studies (IJMS), 24 (1). pp. 23-39. ISSN 0127-8983

Rehman, Abdul and Abdul Adzis, Azira and Mohamed Arshad, Shamsul Bahrain (2020) The relationship between corruption and credit risk in commercial banks of Pakistan. International Journal of Innovation, Creativity and Change, 11 (1). pp. 701-715. ISSN 2201-1323

Kadir Shahar, Hanita and Abdul Adzis, Azira and Baderi, Nureliana (2016) The relationship between ownership structure, firm specific characteristics and capital structure: evidence from Malaysian middle-capital public listed firms. International Journal of Economics and Financial Issues, 6 (S3). pp. 36-43. ISSN 2146-4138