@incollection{,
	
					
					
					AFE5071B65145F83BCDE20BFF4BFD43B
				,
	author={{Maryam JameelahHashim} and {Mohd RahimKhamis} and {IdrisOsman} and {MARA University of Technology}},
	journal={{Global Journal of Management and Business Research}},
	journal={{GJMBR}}2249-45880975-585310.34257/GJMBR,
	address={Cambridge, United States},
	publisher={Global Journals Organisation}225919
}

@incollection{b0,
	
	
		,
	title={{Intellectual capital efficiency and bank's performance: A comparative study after the global financial crisis}}
		,
	author={{
			RBuallay
		} and {
			ACumming
		} and {
			Hamdan
		}}
		
		
	
	
		,
	journal={{Pacific Accounting Review}}
		
			31
			4
			
			,
	year={2019}
			,
	publisher={Emerald Publishing Limited}
		
	

}

@incollection{b1,
	
	
		,
	title={{Intellectual Capital in Religious Organisations: Malaysian Zakat Institutions Perspective}}
		,
	author={{
			NSAdnan
		} and {
			AKamaluddin
		} and {
			NKasim
		}}
		
		
		10.5829/idosi.mejsr.2013.16.03.11092
		
	
	
		,
	journal={{Accounting Research Institute}}
		
			16
			
			,
	year={June}
		
	

}

@incollection{b2,
	
	
		,
	title={{Knowledge management processes and sustainable competitive advantage: An empirical examination in private universities}}
		,
	author={{
			OMahdi
		} and {
			INassar
		} and {
			MAlmsafr
		}}
		
		
	
	
		,
	journal={{Journal of Business Research}}
		
			94
			,
	year={2018}
		
	

}

@incollection{b3,
	
	
		,
	title={{The association between intellectual capital and financial performance in the Islamic banking industry}}
		,
	author={{
			GMartín-De Castro
		} and {
			IDíez-Vial
		} and {
			MVerde
		}}
		
		
		10.1108/JIC-12-2018-0221
	
	
		,
	journal={{International Journal of Islamic and Middle Eastern Finance and Management}}
		,
	editor={2019. A. Ousama, H.Hammami, M. Abdulkarim}
		
			13
			1
			
			,
	year={2019}
		
	
	,
	note={Intellectual capital and the firm: evolution and research trends}

}

@incollection{b4,
	
	
		,
	title={{Interpreting the dynamic performance effect of intellectual capital through a value-added-based perspective}}
		,
	author={{
			CTing
		} and {
			FCRen
		} and {
			QChen
		} and {
			Kweh
		}}
		
		
		
	
	
		,
	journal={{Journal of Intellectual Capital}}
		
			21
			3
			
			,
	year={2020}
		
	

}

@incollection{b5,
	
	
		,
	title={{Measures that matter: an empirical investigation of intellectual capital and financial performance of banking firms in Indonesia}}
		,
	author={{
			NSoewarno
		} and {
			BTjahjadi
		}}
		
	
	
		,
	journal={{Journal of Intellectual Capital}}
		
			21
			6
			
			,
	year={2020}
		
	

}

@incollection{b6,
	
	
		,
	title={{Measuring the intellectual capital of Italian listed companies}}
		,
	author={{
			WForte
		} and {
			JTucker
		} and {
			GMatonti
		} and {
			GNicolò
		}}
		
		
		
	
	
		,
	journal={{Journal of Intellectual Capital}}
		
			18
			4
			
			,
	year={2017}
		
	

}

@book{b7,
	
	
		,
	title={{Microfinance performance in Malaysia}}
		,
	author={{
			SHMokhtar
		}}
		
			,
	year={2011}
		
		
			Lincoln University
		
	

}

@book{b8,
	
	
		,
	author={{
			RPrawiranata
		}}
		,
	title={{Sustainable Microfinance in Indonesia: A Sociocultural Approach}}
				
			,
	year={2013}
		
		
			Victoria University
		
	

}

@incollection{b9,
	
	
		,
	title={{Firm Resources and Sustained Competitive Advantage}}
		,
	author={{
			Barney
		}}
	
	
		,
	journal={{Journal of Management}}
		
			17
			1
			
			,
	year={1991}
		
	

}

@book{b10,
	
	
		,
	title={{Determinants of Firm Success: A Resource-Based Analysis}}
		,
	author={{
			TGalbreath
		}}
		
			,
	year={2004}
		
	

}

@incollection{b11,
	
	
		,
	title={{The relationships among intellectual capital, social capital, and performance: The moderating role of business ties and environmental uncertainty}}
		,
	author={{
			HLiu
		}}
	
	
		,
	journal={{Tourism Management}}
		
			61
			
			,
	year={2017}
		
	

}

@incollection{b12,
	
	
		,
	title={{An extensive study to assess the sustainability drivers of production performances using a resource-based view and contingency analysis}}
		,
	author={{
			MSavino
		} and {
			Shafiq
		}}
		
	
	
		,
	journal={{Journal of Cleaner Production}}
		
			204
			
			,
	year={2018}
		
	

}

@incollection{b13,
	
	
		,
	title={{On the Relationship between Intellectual Capital and Financial Performance: A Panel Data Analysis on SME Hotels}}
		,
	author={{
			FSardo
		} and {
			ZSerrasqueiro
		} and {
			HAlves
		}}
		
		
	
	
		,
	journal={{International Journal of Hospitality Management}}
		
			75
			
			,
	year={2018}
		
	

}

@incollection{b14,
	
	
		,
	title={{Predicting Firm Performance through Resource Based Framework}}
		,
	author={{
			TAdnan
		} and {
			BAbdulhamid
		} and {
			Sohail
		}}
		
		
		ISSN 2222- 2839
		
	
	
		,
	journal={{European Journal of Business and Management}}
		2222-1905
		
			10
			1
			,
	year={2018}
			,
	publisher={Paper}
		
	
	,
	note={Online).}

}

@incollection{b15,
	
	
		,
	title={{Is it time to regulate microfinance?}}
		,
	author={{
			FAhmed
		} and {
			BBrown
		} and {
			SPWilliams
		}}
		
		
	
	
		,
	journal={{Progress in Development Studies}}
		
			13
			3
			
			,
	year={2013}
		
	

}

@incollection{b16,
	
	
		,
	title={{Financing Microenterprises: An Analytical Study of Islamic Microfinance Institutions}}
		,
	author={{
			HAhmed
		}}
	
	
		,
	journal={{Islamic Economic Studies}}
		
			9
			
			,
	year={2002}
		
	

}

@book{b17,
	
	
		,
	title={{The Key Success Factors For Microfinance Industry In MOMBASA}}
		,
	author={{
			TNKahaso
		}}
		
			,
	year={2012}
		
	

}

@incollection{b18,
	
	
		,
	title={{Does Intellectual Capital Explain the Financial Performance of Malaysia MFIs?}}
		,
	author={{
			HMaryam
		} and {
			SMAlhabshi
		} and {
			NIIshar
		}}
		
		
	
	
		,
	journal={{Social & Management Reserach Journal}}
		
			15
			2
			
			,
	year={2018}
		
	

}

@incollection{b19,
	
	
		,
	title={{Impact of Intellectual Capital on the Organizational Performance of Islamic Banking Sector in Malaysia}}
		,
	author={{
			JA NKhalique
		} and {
			AH B MShaari
		} and {
			NBBin Isa
		} and {
			Samad
		}}
		
		
		
	
	
		,
	journal={{Asian Journal of Finance & Accounting}}
		
			5
			2
			75
			,
	year={2013}
		
	

}

@incollection{b20,
	
	
		,
	title={{The influence of audit committee's and company's characteristic on intellectual capital disclosure}}
		,
	author={{
			ZNaimah
		} and {
			NAMukti
		}}
		
	
	
		,
	journal={{Asian Journal of Accounting Research}}
		
			4
			2
			
			,
	year={2019}
		
	

}

@incollection{b21,
	
	
		,
	title={{Impact of intellectual capital on corporate performance: evidence from the Arab region}}
		,
	author={{
			VDzenopoljac
		} and {
			CYaacoub
		} and {
			NElkanj
		} and {
			NBontis
		}}
		
		
		
	
	
		,
	journal={{Journal of Intellectual Capital}}
		
			18
			4
			
			,
	year={2017}
		
	

}

@incollection{b22,
	
	
		,
	title={{Bank diversification strategy and intellectual capital in Ghana: an empirical analysis}}
		,
	author={{
			CTDuho
		} and {
			JMOnumah
		}}
		
	
	
		,
	journal={{Asian Journal of Accounting Research}}
		
			4
			2
			
			,
	year={2019}
		
	

}

@incollection{b23,
	
	
		,
	title={{The contribution of tangible and intangible resources, and capabilities to a firm's profitability and market performance}}
		,
	author={{
			RKamasak
		}}
	
	
		,
	journal={{European Journal of Management and Business Economics}}
		
			26
			
			,
	year={2017}
		
	

}

@incollection{b24,
	
	
		,
	title={{Intellectual capital and organisational performance in Malaysian knowledge-intensive SMEs}}
		,
	author={{
			NKhalique
		} and {
			JA N BBontis
		} and {
			MRShaari
		} and {
			RYaacob
		} and {
			Ngah
		}}
		
		
		
		
	
	
		,
	journal={{International Journal of Learning and Intellectual Capital}}
		
			15
			1
			
			,
	year={2018}
		
	

}

@incollection{b25,
	
	
		,
	title={{Intellectual capital and business performance in Malaysian industries}}
		,
	author={{
			WC CBontis
		} and {
			SKeow
		} and {
			Richardson
		}}
		
		
	
	
		,
	journal={{Journal of Intellectual Capital}}
		
			1
			1
			
			,
	year={2000}
		
	

}

@incollection{b26,
	
	
		,
	title={{Intellectual Capital Profiles: Empirical Evidence of Malaysian Companies}}
		,
	author={{
			RAKamaluddin
		} and {
			Rahman
		}}
		
	
	
		,
	journal={{International Review of Business Research Papers}}
		
			9
			
			,
	year={2013}
		
	

}

@book{b27,
	
	
		,
	title={{The Relationship Between Intellectual Capital, Firms' Market Value and Financial Performance: Empirical Evidence from Asian Countries}}
		,
	author={{
			SNimtrakoon
		}}
		
			,
	year={2014}
		
	

}

@book{b28,
	
	
		,
	title={{Intellectual Capital Navigating in the New Business Landscape}}
		,
	author={{
			JRoos
		} and {
			GRoos
		} and {
			LEdvinsson
		} and {
			NCDragonetti
		}}
		
		
		
		
			,
	year={1997}
			,
	publisher={Macmillan Business}
		
	

}

@incollection{b29,
	
	
		,
	title={{A human capital measurement scale}}
		,
	author={{
			JVidotto
		} and {
			HFerenhof
		} and {
			PSelig
		} and {
			RBastos
		}}
		
		
		
	
	
		,
	journal={{Journal of Intellectual Capital}}
		
			18
			2
			
			,
	year={2017}
		
	

}

@incollection{b30,
	
	
		,
	title={{Effects of Intellectual Capital on Microfinance Institution's Performance}}
		,
	author={{
			JHashim
		} and {
			SMAlhabshi
		} and {
			AAAdewale
		}}
		
		
	
	
		,
	booktitle={{Proceedings of the 2nd Advances in Business Research International Conference}}
				the 2nd Advances in Business Research International Conference
		
			,
	year={2018}
			
		
	

}

@incollection{b31,
	
	
		,
	title={{Human resource management: an Islamic perspective}}
		,
	author={{
			AKhan
		} and {
			ZFarooq
		} and {
			Hussain
		}}
		
		
	
	
		,
	journal={{Asia-Pacific Journal of Business Administration}}
		
			2
			1
			
			,
	year={2010}
		
	

}

@incollection{b32,
	
	
		,
	title={{A Study on the Influence of Intellectual Capital and Intellectual Capital Complementarity on Global Initiatives}}
		,
	author={{
			YLing
		}}
	
	
		,
	journal={{The Electronic Journal of Knowledge Management}}
		
			10
			2
			
			,
	year={2012}
		
	

}

@incollection{b33,
	
	
		,
	title={{Intellectual Capital and financial performance: a study of the Turkish banking sector}}
		,
	author={{
			SOzkan
		} and {
			MCakan
		} and {
			Kayacan
		}}
		
		
	
	
		,
	journal={{Borsa Istanbul Review}}
		
			20
			
			,
	year={2016}
		
	

}

@incollection{b34,
	
	
		,
	title={{Conceptual Framework: The Role of Microfinance on the Wellbeing of Poor People Cases Studies from Malaysia and Yemen}}
		,
	author={{
			SS AAl-Shami
		} and {
			IB
		} and {
			AMajid
		} and {
			NARashid
		} and {
			MS R B AHamid
		}}
		
		
		
		
		10.5539/ass.v10n1p230
		
	
	
		,
	journal={{Asian Social Science}}
		
			10
			1
			
			,
	year={2013}
		
	

}

@incollection{b35,
	
	
		,
	title={{The Relationship between Human Resource Management and Islamic Microfinance Providers' Performance: The Mediat?ng Role of Human Capital}}
		,
	author={{
			NKamaluddin
		} and {
			Kasim
		}}
		
	
	
		,
	journal={{International Journal of Business and Social Science}}
		
			4
			16
			
			,
	year={2013}
		
	

}

@incollection{b36,
	
	
		,
	title={{Intellectual capital in small and medium enterprises in Pakistan}}
		,
	author={{
			MKhalique
		} and {
			NBontis
		} and {
			JAbdul
		} and {
			SAbu
		} and {
			HIsa
		}}
		
		
		
		
	
	
		,
	journal={{Journal of Intellectual Capital}}
		
			16
			1
			
			,
	year={2015}
		
	

}

@incollection{b37,
	
	
		,
	title={{The challenge in poverty alleviation: role of Islamic microfinance and social capital}}
		,
	author={{
			Hassan
		}}
	
	
		,
	journal={{Humanomics}}
		
			30
			1
			
			,
	year={2014}
		
	

}

@incollection{b38,
	
	
		,
	title={{Challenges and solutions in Islamic microfinance}}
		,
	author={{
			RARahman
		} and {
			FDean
		}}
		
	
	
		,
	journal={{Humanomics}}
		
			,
	year={2013}
		
	

}

@incollection{b39,
	
	
		,
	title={{Factors Affecting Repayment Performance in Microfinance Programs in Malaysia}}
		,
	author={{
			MN MNawai
		} and {
			Shariff
		}}
		
	
	
		,
	journal={{Procedia -Social and Behavioral Sciences}}
		
			62
			
			,
	year={2012}
		
	

}

@incollection{b40,
	
	
		,
	title={{Cost efficiency and outreach of microfinance institutions in Ethiopia: Do they contrast with financial cooperatives?}}
		,
	author={{
			GTAbate
		} and {
			CBorzaga
		} and {
			KGetnet
		}}
		
		
	
	
		,
	journal={{SSRN Electronic Journal}}
		
			,
	year={2014}
		
	

}

@incollection{b41,
	
	
		,
	title={{Intellectual Capital Efficiency and Firm's Performance: Study on Malaysian Financial Sectors}}
		,
	author={{
			NM NMuhammad
		} and {
			MK AIsmail
		}}
		
	
	
		,
	journal={{International Journal of Economics and Finance}}
		
			1
			2
			
			,
	year={2009}
		
	

}

@incollection{b42,
	
	
		,
	title={{How Intellectual Capital Affects A Firm's Performance?}}
		,
	author={{
			AZehri
		} and {
			NAbdelbaki
		} and {
			Bouabdellah
		}}
		
		
	
	
		,
	journal={{Australian Journal of Business and Management Research}}
		
			2
			06
			
			,
	year={2012}
		
	

}

@incollection{b43,
	
	
		,
	title={{Parametric and Non-Parametric Approach in Structural Equation Modeling (SEM): The Application of Bootstrapping}}
		,
	author={{
			ZAwang
		} and {
			AAsyraf
		} and {
			MAsri
		}}
		
		
	
	
		,
	journal={{Modern Applied Science}}
		
			9
			9
			
			,
	year={2015}
		
	

}

@incollection{b44,
	
	
		,
	title={{An Update and Extension to SEM Guidelines for Administrative and Social Science Research}}
		,
	author={{
			EEGefen
		} and {
			DRigdon
		} and {
			Straub
		}}
		
		
		iii- A7
	
	
		,
	journal={{MIS Quarterly}}
		
			35
			2
			,
	year={2011}
		
	

}

@book{b45,
	
	
		,
	author={{
			USekaran
		} and {
			RBougie
		}}
		
		,
	title={{Research Methods for Business A Skill-Building Approach}}
				N.Y.
		
			,
	publisher={John Wiley and Sons Ltd}
			,
	year={2010}
		
	
	,
	note={Fifth Ed}

}

@incollection{b46,
	
	
		,
	title={{How to Write Up and Report PLS Analyses}}
		,
	author={{
			WWChin
		}}
	
	
		,
	booktitle={{Handbook of Partial Least Squares}}
				
			,
	publisher={Springer, Verlang Berlin Heidelberg}
			,
	year={2010}
			
		
	

}

@book{b47,
	
	
		,
	author={{
			MTenenhaus
		} and {
			VEsposito
		}}
		
		,
	title={{PLS path modeling}}
				
			,
	year={2005}
			48
			
		
	

}

@incollection{b48,
	
	
		,
	title={{Using PLS path modeling for assessing hiererchical construct models: Guidelines and empirical illustration}}
		,
	author={{
			MWetzels
		} and {
			GOdekerken-Schroder
		} and {
			CVan Oppen
		}}
		
		
	
	
		,
	journal={{MIS Quarterly}}
		
			33
			1
			
			,
	year={2009}
		
	

}

@book{b49,
	
	
		,
	author={{
			JFHair
		} and {
			WCBlack
		} and {
			BJBabin
		} and {
			REAnderson
		}}
		
		
		
		,
	title={{Multivariate Data Analysis}}
				New York, NY
		
			,
	publisher={Pearson}
			,
	year={2010}
		
	
	,
	note={7th ed.}

}

@book{b50,
	
	
		,
	author={{
			TRamayah
		} and {
			JCheah
		} and {
			FChuah
		} and {
			HTing
		} and {
			MAMemon
		}}
		
		
		
		
		,
	title={{Partial Least Squares Structural Equation Modeling (PLS-SEM) using Smart PLS 3.0: An Updated and Practical Guide to Statistical Analysis}}
				Singapore
		
			,
	publisher={Pearson}
			,
	year={2018}
		
	
	,
	note={2nd ed.}

}

@incollection{b51,
	
	
		,
	title={{Testing measurement invariance of composites using partial least squares}}
		,
	author={{
			JHenseler
		} and {
			CMRingle
		} and {
			MSarstedt
		}}
		
		
		10.1108/IMR-09-2014-0304
		
	
	
		,
	journal={{International Marketing Review}}
		
			,
	year={2015}
		
	

}

@incollection{b52,
	
	
		,
	title={{Constructing validity: basic issues in objective scale development}}
		,
	author={{
			LAClark
		} and {
			DWatson
		}}
		
	
	
		,
	journal={{Psychological Assessment}}
		
			7
			3
			
			,
	year={1995}
		
	

}

@book{b53,
	
	
		,
	title={{Principles and practice of structural equation modeling}}
		,
	author={{
			RBKline
		}}
		
			,
	year={2011}
			,
	publisher={Guilford Press. N.Y}
			,
	address={New York}
		
	

}

@incollection{b54,
	
	
		,
	title={{Anxiety sensitivity, catastrophic misinterpretations and panic self-efficacy in the prediction of panic disorder severity: Towards a tripartite cognitive model of panic disorder}}
		,
	author={{
			BSandin
		} and {
			CSanchez-Arribas
		} and {
			PChorot
		} and {
			RMValiente
		}}
		
		
		
	
	
		,
	journal={{Behaviour Research and Therapy}}
		
			67
			
			,
	year={2015}
		
	

}

@incollection{b55,
	
	
		,
	title={{Partial least squares structural equation modeling (PLS-SEM)}}
		,
	author={{
			JFHair
		} and {
			MSarstedt
		} and {
			LHopkins
		} and {
			VGKuppelwieser
		}}
		
		
		
	
	
		,
	journal={{European Business Review}}
		
			26
			2
			
			,
	year={2014}
		
	

}

@incollection{b56,
	
	
		,
	title={{The use of Partial Least Square Path modeling in international Marketing}}
		,
	author={{
			JHenseler
		} and {
			CMRingle
		} and {
			RRSinkovics
		}}
		
		
	
	
		,
	booktitle={{New Challenges to International Marketing: Advances in International Marketing}}
				
			,
	year={2009}
			20
			
		
	

}

@book{b57,
	
	
		,
	title={{Industrial Management & Data Systems}}
		,
	author={{
			JHenseler
		}}
		
			,
	year={2016}
			116
			
		
	
	,
	note={Guest editorial}

}

@incollection{b58,
	
	
		,
	title={{The Relationship Between Intellectual Capital and Corporate Performance}}
		,
	author={{
			DFAbdullah
		} and {
			SSofian
		}}
		
	
	
		,
	journal={{Procedia -Social and Behavioral Sciences}}
		
			40
			
			,
	year={2012}
		
	

}

@incollection{b59,
	
	
		,
	title={{Intellectual Capital and Financial Performance of Pharmaceutical Firms in Pakistan}}
		,
	author={{
			SAmin
		} and {
			MAbdul
		} and {
			MMakki
		}}
		
		
	
	
		,
	journal={{Pakistan Journal of Social Sciences (PJSS)}}
		
			34
			2
			
			,
	year={2014}
		
	

}

@incollection{b60,
	
	
		,
	title={{Do all elements of intellectual capital matter for organizational performance? Evidence from Russian context}}
		,
	author={{
			TAndreeva
		} and {
			TGaranina
		}}
		
		10.1108/JIC-07-2015-0062
		
	
	
		,
	journal={{Journal of Intellectual Capital}}
		
			17
			2
			,
	year={2016}
		
	

}

@incollection{b61,
	
	
		,
	title={{The Role Of Spiritual Capital, Human Capital, Structural Capital, Capital Relational SMEs To Improving On Performance: Study Literature}}
		,
	author={{
			MSudarma
		} and {
			MGhozali
		}}
		
	
	
		,
	journal={{South East Asia Journal of Contemporary Business, Economics and Law}}
		
			11
			2
			,
	year={2017}
		
	

}

@incollection{b62,
	
	
		,
	title={{Intellectual Capital, Firm Value, and Financial Performance}}
		,
	author={{
			NIrsyahma
		} and {
			Nikmah
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		,
	journal={{AFEBI Accounting Review}}
		
			1
			1
			
			,
	year={2017}
		
	

}

@incollection{b63,
	
	
		,
	title={{Intellectual capital and corporate performance: a case of Indian banks}}
		,
	author={{
			RTiwari
		} and {
			HVidyarthi
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		,
	journal={{Journal of Accounting in Emerging}}
		
			8
			1
			
			,
	year={2018}
		
	

}

@incollection{b64,
	
	
		,
	title={{Should bankers be concerned with Intellectual capital? A study of the Thai banking sector}}
		,
	author={{
			DTran
		} and {
			DVo
		}}
		
	
	
		,
	journal={{Journal of Intellectual Capital}}
		
			19
			5
			
			,
	year={2018}
		
	

}

@incollection{b65,
	
	
		,
	title={{Operations management and the resource-based view: Another view}}
		,
	author={{
			DBromiley
		} and {
			Rau
		}}
		
	
	
		,
	journal={{Journal of Operations Management}}
		
			41
			
			,
	year={2016}
		
	

}

@incollection{b66,
	
	
		,
	title={{Intellectual Capital Efficiency and Financial Performance of Insurance Sector in Pakistan: A Panel Data Analysis}}
		,
	author={{
			NAsghar
		} and {
			HRehman
		} and {
			RWasim-Ul
		}}
		
		
	
	
		,
	journal={{Middle-East Journal of Scientific Research}}
		
			17
			9
			
			,
	year={2013}
		
	

}

@incollection{b67,
	
	
		,
	title={{Role of Islamic Microfinance Institutions for Sustainable Development Goals in Bangladesh}}
		,
	author={{
			MNUddin
		} and {
			HHamdan
		} and {
			SKassim
		} and {
			NAEmbi
		} and {
			MNSaad
		}}
		
		
		
		
	
	
		,
	journal={{Journal of International Business and Management}}
		2616- 5163
		
			3
			1
			
			,
	year={2020. 2020}
		
	

}

@incollection{b68,
	
	
		,
	title={{VAIC and Firm Performance: Banking Sector of Pakistan}}
		,
	author={{
			MZia
		} and {
			HMuhammad
		} and {
			SArbab
		} and {
			AShahzad
		} and {
			SBilal
		}}
		
		
		
		
	
	
		,
	journal={{Information and Knowledge Management}}
		
			3
			4
			
			,
	year={2014}
		
	

}