Reni, Andi and Ahmad, Nor Hayati (2016) Application of theory reasoned action in intention to use Islamic Banking in Indonesia. Al-Iqtishad: Journal of Islamic Economics, 8 (1). pp. 137-148. ISSN 2087-135X

Adnan, Khairul Anuar and Ahmad, Nor Hayati and Rozali, Mohammad Badri and Mohamed Zabri, Shafie (2005) Bank customers' reception towards internet banking. In: International Conference on Governance Accountability & Taxation, 05-06 September 2005, Crown Princess Hotel, Kuala Lumpur. (Unpublished)

Murugiah, Logasvathi and Ahmad, Nor Hayati (2012) Bank directors' compensation among selected Asian emerging countries. LAP LAMBERT Academic Publishing. ISBN 9783659192357

Ab Rahman, Sazana and Ahmad, Nor Hayati and Che Arshad, Noraziah (2021) Bank specific and macroeconomic factors influencing Islamic banks deposits. International Journal of Islamic Business (IJIB), 6 (2). pp. 37-57. ISSN 0127- 662X

Al-Wesabi, Hamid A. H. and Ahmad, Nor Hayati (2013) Credit risk of Islamic banks in GCC countries. The International Journal of Banking and Finance, 10 (2). pp. 111-136. ISSN 1617-722

Al-Wesabi, Hamid A. H. and Ahmad, Nor Hayati (2013) Credit risk of Islamic banks in GCC countries. International Journal of Banking and Finance (IJBF), 10 (2). pp. 121-135. ISSN 1675-7227

Che Pa, Noraziah and Yusoff, Nooraini and Ahmad, Nor Hayati (2016) Determinants for grading Malaysian rice. AIP Conference Proceedings, 1761. 020035. ISSN 0094-243X

AbdulGaniyy, AbdulFattah and Zainol, Zairy and Ahmad, Nor Hayati (2017) Determinants of liquidity risk in dual and fully Islamic banking systems: Evidence from Malaysia and Sudan. Asian Journal of Multidisciplinary Studies, 5 (1). pp. 90-99. ISSN 2348-7186

Isa, Ahmad Mahir and Ahmad, Nor Hayati and Zainol, Zairy (2021) Determinants of personal bankruptcy discharge in Malaysia: A social capital approach of Al-Nahd and Ta’awun. International Journal of Islamic Business (IJIB), 6 (2). pp. 25-36. ISSN 0127- 662X

Ahmad, Nor Hayati and Saha, Asish and Lim, Hock Eam and Musa, Muhammad Muhaizam (2021) Drivers of future savings of Malaysian households. Journal of Economics and Sustainability, 3 (1). pp. 1-11. ISSN 2637-1294

Saha, Asish and Ahmad, Nor Hayati and Dash, Umakant (2015) Drivers of technical efficiency in Malaysian banking: a new empirical insight. Asian-Pacific Economic Literature, 29 (1). pp. 161-173. ISSN 0818-9935

Kardi, Nordin and Awang Hashim, Rosna and Mohd Yusoff, Nurahimah and Hassan, Shahizan and Ahmad, Nor Hayati and Zalazilah, Mohd Hanizan and Yahya, Azlan and Shafie, Izham (2009) Enhancing employability initiatives: Malaysia experience. In: 2009 ASAIHL Conference, 20th to 22nd May 2009, University of Kelaniya, Sri Lanka.

Saha, Asish and Ahmad, Nor Hayati and Siew, Goh Yoke (2014) Evaluating performances of Malaysian banks in RAROC and EVA framework: a new perspective. In: International Conference on Business Management (ICBM) 2014, 18-19 August 2014, Putra World Trade Centre (PWTC), Kuala Lumpur, Malaysia.

Ahmad, Nor Hayati and Md Nayan, Najat and Ariff, Mohd (2004) Factors affecting net interest margin of ASEAN banks. In: Asia Pacific Economics and Business Conference 2004, 7-9th October 2004, City Bayview Hotel, Penang, Malaysia. (Unpublished)

Ahmad, Nor Hayati (2010) Global financial crisis: Lessons learned. International Journal of Management Studies (IJMS), 17. pp. 51-61. ISSN 0127-8983

Bahaman, Muhamad Abrar and Ahmad, Nor Hayati and Mohd Yusof, Rosylin (2018) Household debt default of Islamic banks: a Malaysian case. Journal of Advanced Research in Business and Management Studies, 12 (1). pp. 34-45. ISSN 2462-1935

Mad, Cik Ani and Nik Mat, Nik Kamariah and Zainudin, Nasruddin and Ahmad, Nor Hayati and Engku Chik, Engku Ngah (2004) Impact of pengging on Malaysian Ringgit after the onset of the Asian financial crisis in July 1997. In: Global financial markets : issues and strategies. Praeger Publishers, Westport, pp. 187-204. ISBN 1567205720

Ernovianti, Etri and Ahmad, Nor Hayati (2017) Influence of external forces on bank recapitalization: an evidence of banks in IMT-GT economic region. Journal of Accounting and Finance in Emerging Economies, 3 (2). pp. 123-131. ISSN 2519-0318

Abdul Haniff, Hazwan Syah Niezam and Hj Long, Muhammad Nor Habibi and Ahmad, Nor Hayati (2021) Inisiatif dan inovasi institusi zakat era pendemik Covid-19 – Satu penelitian terhadap Lembaga Zakat Negeri Kedah (LZNK). International Journal of Islamic Business (IJIB), 6 (2). pp. 1-14. ISSN 0127- 662X

Mohammed Shehu, Farida and Ahmad, Nor Hayati and Al-Aidaros, Al-Hasan (2019) Interest based micro-credit is a problem for women entrepreneurs: considering murabaha financing as an alternative in the light of Maqasid Al-Shari'ah. In: International Conference on Zakat, Tax, Waqf And Economic Development (ZAWED), 1st – 2nd December 2019, Adya Hotel Langkawi, Malaysia.

Khalil, Samihah and Ahmad, Nor Hayati and Ahmad, Siti Aznor and Pazos, Luis Raheem (2012) Introducing GST in Malaysia: National education and communication campaign. Project Report. Universiti Utara Malaysia, Sintok. (Unpublished)

Abdul Ganiyy, Abdul Fattah and Ogunbado, Ahamad Faosiy and Ahmad, Nor Hayati (2017) Islamic perspectives on liquidity risk management practices of Islamic banks in Malaysia and Bahrain. Asian Journal of Multidisciplinary Studies, 5 (1). pp. 100-108. ISSN 2348-7186

Al Haq, M Ashraf and Abd. Wahab, Norazlina and Abdul Ghani, Abdullah and Ahmad, Nor Hayati (2016) Islamic prayer, spirituality and productivity: an exploratory conceptual analysis. Al-Iqtishad: Journal of Islamic Economics, 8 (2). pp. 271-286. ISSN 2087-135X

Ahmad, Nor Hayati and Ahmad, Shahrul Nizam (2004) Key factors influencing credit risk of Islamic bank: A Malaysian case. The Journal of Muamalat and Islamic Finance Research. pp. 1-10. ISSN 1823-0754

Ahmad, Nor Hayati and Arif, Mohamed (2004) Key risk determinant of listed deposit-taking institutions in Malaysia. Malaysian Management Journal, 8 (1). pp. 69-81. ISSN 0128-6226

Muhamad Ali, Hafizi and Ahmad, Nor Hayati (2006) Knowledge management in Malaysian bank: A new paradigm. Journal of Knowledge Management Practice, 7 (3). pp. 1-13. ISSN 1705-9232

Mohammad Noor, Mohammad Akbar Noor and Ahmad, Nor Hayati (2011) Measuring MENA Islamic bank efficiency: Does country income level have an impact? Islam and Muslim Societies - a social science journal, 4 (2). pp. 1-16. ISSN 0973-2802

Ahmad, Nor Hayati and Ariff, Mohamed (2007) Multi-country study of bank credit risk determinants. International Journal of Banking and Finance (IJBF), 5 (1). pp. 35-52. ISSN 1675-7227

Che Pa, Noraziah and Yusoff, Nooraini and Ahmad, Nor Hayati (2016) Neural network in rice grading: How Malaysian rice can be graded? In: International Conference on ICT for Transformation 2016, 05-07 April 2016, Center for postgraduate UMS Sabah Malaysia. (Unpublished)

Ahmad, Nor Hayati and Engku Chik, Engku Ngah Sayudin (2002) Pengurusan risiko perantaraan bank-bank di Malaysia: Isu dan cabaran. In: Landskap kewangan 2002. Penerbit Universiti Utara Malaysia, Sintok, pp. 39-48. ISBN 9832479223

Ahmad, Nor Hayati and Isa, Ahmad Mahir and Zainol, Zairy (2022) Personal Bankruptcy in Malaysia and Singapore: An Empirical Analysis. Journal of Economics and Sustainability (JES), 4 (1). pp. 33-47. ISSN 2637-1294

Nik Mat, Nik Kamariah and Ahmad, Nor Hayati and Ismail, Rusmawati (2004) Reexamination of the determinants of master student satisfaction. In: International Conference on Management Education, 28 - 29 June 2004, Legend Hotel Kuala Lumpur.

Ahmad, Nor Hayati and Ariff, Mohamed (2005) Regulation of deposit-taking institutions: Price effect at disclosures of new regulations. The International Journal of Banking and Finance , 3 & 4. pp. 63-72. ISSN 1617-722

Mohd Yusof, Rosylin and Mahfudz, Akhmad Affandi and Che Mohamed Arif, Ahmad Suki and Ahmad, Nor Hayati (2016) Rental index rate as an alternative to interest rate in Musharakah Mutanaqisah home financing. International Journal of Islamic and Middle Eastern Finance and Management, 9 (3). pp. 397-416. ISSN 1753-8394

Mahfudz, Akhmad Afffandi and Ahmad, Nor Hayati and Mohd Yusof, Rosylin and Mohamed Naim, Asmadi and Ali, Turkhan (2016) Restructuring rental rate components to be more innovative sharia compliance product in Islamic home financing. European Journal of Islamic Finance (EJIF), 5. ISSN 2421-2172

Ahmad, Nor Hayati and Haron, Sudin (1998) The existence of conventional banking profitability theories in the Islamic banking system. Analisis, 5 (1&2). pp. 89-97. ISSN 0127-8983

Ahmad, Nor Hayati and Taufil Mohd, Kamarun Nisham and Abu Bakar, Ab Malek Foad and Isa, Mohamad Yazid (2007) The impact of ringgit de-pegging on the Malaysian capital market. Project Report. Universiti Utara Malaysia. (Unpublished)

Muhamad Ali, Hafizi and Ahmad, Nor Hayati (2006) The integration of knowledge management in the operations of Malaysian banks. International Journal of Management Studies (IJMS), 13. pp. 29-47. ISSN 0127-8983

Zainudin, Nasruddin and Ahmad, Nor Hayati and Engku Chik, Engku Ngah and Nik Mat, Nik Kamariah and Mad, Che Ani (2004) The national economic recovery plan : Perception of financial market. In: Regional financial markets issues and policies. Praeger, Westport, pp. 247-259. ISBN 9781567205739

Mohamad Noor, Mohamad Akbar and Ahmad, Nor Hayati (2011) The profitbility and determinants of efficiency of world Islamic banks. Journal of Islamic banking & finance , 28 (2). pp. 57-87. ISSN 1814-8042

Shehu, Farida Mohammed and Ahmad, Nor Hayati and Al-Aidaros, Al-Hasan (2015) A proposed framework on the relationship between Islamic microfinance related factors and women entrepreneurs business performance in Nigeria. Journal of Education and Vocational Research, 6 (4). pp. 38-44. ISSN 2221-2590