Tolos, Habibah and Abu Bakar, Arpah and Bidin, Asiah (2002) Aplikasi pengurusan risiko ke atas liabiliti pengamal perubatan di Malaysia. In: Landskap kewangan 2002. Penerbit Universiti Utara Malaysia, Sintok, pp. 103-113. ISBN 9832479223

Tolos, Habibah and Abu Bakar, Arpah (2014) EPF versus pension: The case of Malaysian public universities employees' decision. In: International Case Study Conference (ICSC 2014), 18-19 August 2014, Putra World Trade Centre, Malaysia.

Ahmad, Shahrul Nizam and Ibrahim, Yusnidah and Abu Bakar, Arpah (2016) Enterprise Risk Management Implementation and Autonomy Status in Malaysian Public Universities. In: 3rd Annual ECoFI Symposium 2016 18-19 December 2016, Kedah, Malaysia, 18-19 Dicember 2016, Universiti Utara Malaysia,Kedah.

Tolos, Habibah and Abu Bakar, Arpah and Owollabi Yusuf, Muhammd Bashir (2014) Factors Associated with Employees’ Choice of Mandatory Retirement Plan: The Case of Malaysian Public Universities. Journal of Business Management and Accounting (JBMA), 4. pp. 31-44. ISSN 2231-9298

Tolos, Habibah and Abu Bakar, Arpah and Yusuf, Muhammad Bashir Owolabi (2014) Factors associated with employees' choice of mandatory retirement plan: the case of Malaysian public universities. Journal of Business Management and Accounting (JBMA), 4. pp. 31-44. ISSN 2231-9298

Tolos, Habibah and Samsudin, Shamzaeffa and Ahmad, Shahrul Nizam and Abu Bakar, Arpah (2016) Profiles of Employees Inpatient Claims: Evidence from Group Health Insurance. In: 3TdAnnuaEl CoFI Symposium 2016 18-19 December 2016, Kedah, Malaysia, 18-19 Dicember 2016, Universiti Utara Malaysia,Kedah.