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.

Tan, Sek-Choo and Tolos, Habibah and Abdul Manab, Norlida (2014) Employee benefits in small medium enterprises (SMES): practice and challenges. In: International SME Conference (ISMEC 2014), 18 to 19 August 2014, Kuala Lumpur.

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 Md Jadi, Diara (2016) Managing Employee Benefits in the Hotel Businesses:A Compratie Analysis. In: 3d Annual ECoFI Symposium 2016 18-1 9 December 20 16, Kedah, Malaysia, 18-19 Dicember 2016, Universiti Utara Malaysia,Kedah.

Md Jadi, Diara and Tolos, Habibah (2016) Personality Traits, Driving Behavior and Motor Insurance Pricing: Evidence from Young Drivers. In: 3rd Annual ECoFI Symposium 2016, 18-19 Dicember 2016, Universiti Utara Malaysia,Kedah.

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.