Curriculum Vitae

DR. SYAZA NAWWARAH BINTI ZEIN ISMA

Senior Lecturer
  • Institute of Mathematical Sciences
    Faculty of Science
  • syaza.zein
  • 0379674102

AREAS OF EXPERTISE

  • APPLIED ECONOMETRICS
    Applied Social Science And Humanities, Economics, Econometrics
  • CRISIS AND RISK MANAGEMENT
    Applied Social Science And Humanities, Management, Management Theories
  • FINANCIAL MATHEMATICS
    Applied Social Science And Humanities, Banking, Finance And Wealth Management, Banking And Finance

ACADEMIC QUALIFICATION

  • PhD.ASc, (Sains Aktuari)
    Australian National University
  • M.IBF, (Islamic Banking & Finance)
    International Islamic University Malaysia (iium)
  • B.Sc.ACTFM, (ACTUARIAL)
    Universiti Malaya (um)

ADMINISTRATIVE DUTIES

  • AHLI JAWATANKUASA PUSAT PENYELIDIKAN Centre of Research for Statistical Modeling and Methodology, Faculty of Science, Universiti Malaya
    25 Nov 2025 - 24 Nov 2028 (University Malaya)
  • Programme Coordinator
    01 Jan 2025 - 30 Sep 2025 (Institute of Mathematical Sciences, Faculty of Science)
  • Coordinator
    19 Sep 2024 - 31 Dec 2025 (Department)
  • Programme Coordinator
    19 Sep 2024 - 28 Sep 2025 (Institute of Mathematical Sciences, Faculty of Science)
  • Actuarial Science Programme Coordinator
    19 Sep 2024 - 24 Aug 2025 (Department)

PUBLICATIONS

Article in Journal
  1. Abduh, M. and Zein Isma, S.N. (2017). Economic and market predictors of solvency of family takaful in Malaysia, Journal of Islamic Accounting and Business Research. 8(3), 334-344.
  2. Abduh, M. and Zein, S.N. (2016). Dynamic Financial Model of Life Insurance and Family Takaful Companies in Malaysia, Middle East Journal of Management, 3(1), 72-93.
Books
  1. Ismail, R., and Zein, S.N. (2019). Student Loans: The National Higher Education Fund Corporation (PTPTN). In Wan, C. D.; Sirat, M.; Razak, D. A. (Eds.), Higher Education in Malaysia: A Critical Review of The Past and Present for The Future (pp. 62-72). Malaysia: Universiti Sains Malaysia.
Article in Proceeding
  1. APA

RESEARCH INTEREST

  • ECONOMICS OF EDUCATION (HIGHER EDUCATION, STUDENT LOAN, INCOME CONTINGENT LOAN, AFFORDABLE REPAYMENT, REPAYMENT BURDEN)
  • FINANCIAL EDUCATION (FINANCIAL LITERACY, BANKRUPTCY)
  • SOCIO ECONOMIC WELFARE AND POLICY (SOCIAL SECURITY, REFUGEES, VULNERABLE CHILDREN)

RESEARCH PROJECT

National
  1. 2023 - 2026, Bantuan Khas Penyelidikan (BKP Special)
    Modelling Income-contingent Loan Repayment Scheme For Malaysia Higher Education Student Financing ( Principal Investigator(PI))
Private
  1. 2025 - 2027, AGENSI PENGURUSAN BENCANA MALAYSIA (NADMA)
    KAJIAN PEMBANGUNAN KAEDAH PENAKSIRAN KEROSAKAN AKIBAT BENCANA, International Islamic University of Malaysia ( Co-Researcher)
  2. 2025 - 2026, Private Funding
    Development Of Petronas Liquefied Natural Gas (lng) & Oil Portfolio Valuation And Risk Management Model- A University Collaboration For Talent Building And Quants Research Support ( Co-Researcher)
  3. 2025 - 2026, Private Funding
    Sp01 : Exploratory Data Analysis And Principal Component Analysis Of Sg Klang Basin Water Quality ( Co-Researcher)

PAPER PRESENTED

ORAL PRESENTER
  1. Graduates economic decision-making and its implications for the design of income-contingent student loans, International Conference of Computational Mathematics & Digital Technology (ICoMDT) 2025, Universiti Malaysia Terengganu dan Universiti Mataram (National) (24 Nov 2025 - 26 Nov 2025)
  2. Modelling Malaysian graduates income profiles: An attempt to understand repayment burden in PTPTN loan, 10th MALAYSIA STATISTICS CONFERENCE 2023, Department of Statistics Malaysia (National) (26 Sep 2023 - 26 Sep 2023)
  3. The Prospect of Income Contingent Loan in Malaysia Higher Education Financing: Using Deterministic and Stochastic Methods in Modelling Income., 2017 Australian Conference of Economists (ACE), Economic Society of Australia (International) (19 Jul 2017 - 21 Jul 2017)

ACADEMIC/ PROF. SERVICES

Evaluation
  1. (2026) Phd Internal Examiner to Johannah, University, (Internal Examiner)
  2. (2026) Academic Program Assessor UKM, National, (External Assessor)
  3. (2025) Examiner for Yap Zhong Jing, University, (Internal Examiner)
Contribution to external organisation
  1. (2026) Consultant Statistics and Actuarial Science for a Consulting Project IIUM, National, (Resource Person)
  2. (2026) Shariah Advisory Committee, National, (Auditor)
Contribution to event
  1. (2025) Pempamer Di Karnival Kemuncak Minggu Sains Negara 2025, National, (Participant)
Media appearance
  1. (2026) Knowledge Sharing to Community, National, (Discourse)
  2. (2026) UM Research Bulletin - a Sustainable & Equitable Future: Exploring The Income-contingent Student Loan Repayment Scheme in Malaysia, University, (Discourse)

SUPERVISION

Under Graduate Students
  1. (2025) PREDICTIVE ANALYSIS OF RETIREMENT SAVINGS AND PENSION SUSTAINABILITY
  2. (2025) INVESTOR RESPONSE TO CLIMATE RISK DISCLOSURE: EVIDENCE FROM MARKET STOCK RETURN IN MALAYSIA ENERGY SECTOR
  3. (2025) INTRODUCTION TO REAL OPTIONS IN CAPITAL BUDGETING: A COMPARISON WITH TRADITIONAL METHODS
  4. (2025) Flood Frequency Analysis of Annual Maximum Streamflow in the Mississippi River
  5. (2024) PENYELIA PEMERIKSA BERSAMA PROJEK SAINS MATEMATIK - SIN3015 DAN SIM3021
  6. (2024) FORECASTING AEROMONAS CASES USING TIME SERIES MODEL: SARIMA MODEL
  7. (2023) Systematic Review of Financial Literacy Literatures and Bankruptcy Among Youth
  8. (2023) First Extensive Analysis on Aeromonas Species Distribution and Antimicrobial Susceptibility Profile from Clinical Specimens in Malaysia

TEACHING

Bachelor
  1. (2023) SIQ3011 - Business Finance
  2. (2023) SIQ2002 - Macroeconomics
  3. (2023) SIQ2001 - Microeconomics
Full-Time Equivalent (FTE)
  1. (2026) SIQ2001 - Microeconomics
  2. (2025) SIQ2002 - Macroeconomics
  3. (2026) SIQ3007 - Industrial Training
  4. (2025) SIQ3012 - Financial and Business Management