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1. Zainol, Zairani and Zainol Ariffin, Zaimah (2012) Rintangan perusahaan kecil dan sederhana memperoleh pembiayaan: Cadangan penambahbaikan. Universiti Utara Malaysia, Sintok. ISBN 978-967-0474-38-0
2. Zainol, Zairani and Shaari, Rohaya and Muhamad Ali, Hafizi (2009) A comparative analysis on bankers’ perceptions on Islamic Banking. International Journal of Business and Management, 3 (4). pp. 157-168. ISSN 1833-3850
3. Zainol, Zairani and Zainal Affrin, Zaimah (2013) Difficulties in securing funding from banks: Success factors for Small and Medium Enterprises (SMEs). Journal of Advanced Management Science, 1 (4). pp. 354-357. ISSN 21680787
4. Zainol, Zairani and Abdul Jalil, Ahmad Zafarullah and Md Dahlan, Nuarrual Hilal (2015) The application of profit-loss sharing (PLS) contracts in Malaysian Islamic financial industries: Perspectives, challenges and prospects. In: 6th International Conference on Management, Finance and Entrepreneurship, 17-18 October 2015, Istanbul, Turkey.
5. Zainol, Zairani and Daud, Zulkiflee and Khairol Nizam, Aini Nur Hajjar and Ab Rashid, Rosemaliza and Alias, Nursiha (2016) Exploring factors that contribute to individual indebtedness among young Muslims. International Journal of Economics and Financial Issues, 6 (7S). pp. 320-328. ISSN 2146-4138
6. Zainol, Zairani and Zainol Ariffin, Zaimah (2014) The approaches for improvements in SMEs hurdle of obtaining funding. International Journal of Applied Business Research, 1 (1). (Unpublished)

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