YAMUNAH VAICONDAM

Scopus Publications

Financial well-being in Klang Valley: the influence of income, savings and expenses moderated by marital status amid rising living costs
Siti Nurul Munawwarah Roslan, Kelvin Yong Ming Lee, Yamunah Vaicondam, Shaliza Alwi, Paul Anthony Mariadas
International Journal of Social Economics, 2026
Purpose The focus of this research is to understand the financial situation of people in Malaysia, hence analyzing the impact of financial income level, savings and expenditures in financial well-being. The study also examines moderating effects of marital status on these relationships, particularly when it comes to increasing cost of living. Design/methodology/approach Data were collected through a structured online questionnaire distributed via convenience sampling, targeting B40 and M40 income groups. From the 407 households contacted, 327 provided complete and useable responses. To analyze the data, we used partial least squares structural equation modeling (PLS-SEM) and Statistical Package for the Social Sciences (SPSS). Findings The findings show that while income alone did not show a significant relationship with financial well-being in this study, expenses, savings and the interaction between marital status and income were significant factors. These findings underscore the multidimensional nature of financial well-being and highlight the importance of considering interactions and broader financial behaviors in understanding individuals' financial health. Research limitations/implications The subject selection in this research is only the Klang Valley households, and therefore the findings of this study may not be applicable in other areas of Malaysia or any other different economic and culture background countries.This study employed convenience sampling technique to gather information and this may limit generality of the results by developing biases toward the sample. In convenience sampling, the participants are chosen based on their accessibility or willingness to be sampled, thus a possibility of extreme selective sampling. This can potentially lead to selection bias and other deficits rendering the findings as a whole restricted in terms of generalizability to larger population frames who may not be like this latter kind of individual. Originality/value The study seeks to find out the effects of marriage status to the income, saving and spending the theories and models on the financial position of individuals. It demonstrates how the role of family can change influence of money factors on well-being which is a lacking research area. The implications of the findings are expected to be of importance to practitioners such as policymakers, financial advisors and would be investors who are in search for suitable financial management strategies. The study contributes to the theoretical framework of financial behavior and welfare and provide policy implications at local and beyond levels. Peer review The peer-review history for this article is available at: https://publons.com/publon/10.1108/IJSE-08-2024-0701
GHG and Carbon Emission Intensity: Examining Their Impact on Financial Performance
Yamunah Vaicondam, Amira Mas Ayu Amir Mustafa, Siti Nurul Munawwarah Roslan, Kelvin Lee Yong Ming, Malarvilly Ramayah
International Journal of Energy Economics and Policy, 2025
Governments worldwide have implemented various strategies to reduce carbon emissions, with policies targeting high-emission industries such as energy, transportation, and manufacturing. However, developing Southeast Asian countries, including Malaysia, face challenges in balancing economic growth with emission reduction efforts due to financial constraints. Despite these challenges, Malaysia has made notable progress through its National Policy on Climate Change, pledging to reduce carbon intensity by 45% by 2030. In response to growing stakeholder demands for sustainability, companies are increasingly adopting sustainable practices to improve their environmental performance, often measured by Carbon Emission Intensity (CEI). CEI is a crucial indicator that offers a relative measure of environmental impact, considering a company’s economic output. The focus on Environmental, Social, and Governance (ESG) criteria has heightened the importance of CEI, particularly as companies with lower CEIs are viewed more favourably by investors. However, the relationship between carbon reduction efforts and financial performance remains inconclusive. This study examines the impact of carbon reduction efforts on the financial performance of Malaysian companies from 2019 to 2023. Using two widely recognized financial performance measures, Return on Assets (ROA) and Tobin’s Q, the study investigates the influence of Greenhouse Gas (GHG) emissions and Carbon Disclosure Project (CDP) participation on these metrics. The study utilizes panel data analysis on 1087 listed companies and applies multiple regression analysis using the STATA software package. The findings reveal a positive correlation between GHG emissions and ROA and Tobin’s Q, suggesting that companies not actively reducing emissions may still experience short-term financial gains. Conversely, CDP participation negatively impacts both financial indicators, likely due to the increased compliance costs associated with sustainability initiatives. The results underscore the need for a balanced approach that aligns environmental responsibilities with financial performance as Malaysia transitions to a low-carbon economy.
ESG Integration and Financial Performance: Evidence from Malaysia’s Leading Companies
Kelvin Lee Yong Ming, Yamunah Vaicondam, Amira Mas Ayu Amir Mustafa, Siti Nurul Munawwarah Roslan, Shen Yi, Komal Chopra, Pooja Khanna
International Journal of Energy Economics and Policy, 2024
This study examines the impact of environmental, social, and governance (ESG) scores on the financial performance of the leading publicly listed companies in Malaysia. Using balanced panel data from Bloomberg spanning 2015-2022, the study employs multiple regression analysis (MRA) and the generalized method of moments (GMM) to explore these relationships. The findings reveal a significant positive effect of the overall ESG score on ROA, suggesting that comprehensive ESG practices can enhance financial performance. However, individual environmental (E) and social (S) scores negatively impact ROA at a 10% significance level, indicating potential short-term costs associated with these initiatives. Corporate governance (G) scores, total assets (TA), and total debt to total assets (TDTA) ratios demonstrate a significant adverse effect on ROA. The inclusion of the global reporting initiative (GRI) standard as a control variable also adds robustness to the analysis, highlighting the role of standardized sustainability reporting in evaluating corporate performance. These insights underscore the complex interplay between ESG and companies’ financial performance in Malaysia, emphasizing the importance of considering both the benefits and potential short-term costs associated with ESG initiatives. The findings of this study are crucial for policymakers, corporate managers, and investors, offering guidance on aligning sustainability goals with financial objectives to ensure long-term value creation and risk mitigation. This research contributes to the growing body of knowledge on ESG practices in emerging markets, highlighting the critical role of sustainability in today’s global business environment.
Cybersecurity Challenges and Solutions in the Fintech Mobile App Ecosystem
Ishamuddin Mustapha, Yamounah Vaicondam, Agha Jahanzeb, Burkhanov Aktam Usmanovich, Siti Hawa Binti Yusof
International Journal of Interactive Mobile Technologies, 2023
The rapid growth of the fintech industry, driven by the proliferation of mobile applications, has revolutionized financial services, providing unprecedented convenience to users. However, this innovation comes with inherent cybersecurity challenges that demand rigorous attention. This study delves into the complex and ever-evolving landscape of cybersecurity within the fintech mobile app ecosystem, aiming to identify challenges and present viable solutions. Cybersecurity threats in the fintech mobile app ecosystem encompass a broad spectrum, including data breaches, malware attacks, phishing schemes, and identity theft. As fintech apps handle sensitive financial data and transactions, they are prime targets for malicious actors seeking financial gain. To address these threats, this research examines current cybersecurity strategies and emerging technologies, such as advanced encryption, biometric authentication, and AI-driven anomaly detection. Furthermore, regulatory frameworks and industry standards play a crucial role in shaping cybersecurity practices within fintech. This study assesses the impact of compliance requirements on fintech companies and their ability to protect user data. Real-world case studies and incident analyses provide valuable insights into the consequences of cybersecurity breaches in this sector. Ultimately, this research aims to contribute to a comprehensive understanding of the multifaceted cybersecurity challenges faced by the fintech mobile app ecosystem and offers practical recommendations for fintech firms, regulators, and cybersecurity professionals to enhance security measures. Strengthening the security foundation is paramount to sustaining user trust, fostering continued innovation, and securing the future of mobile fintech.
Research Landscape of Digital Learning Over the Past 20 Years: A Bibliometric and Visualisation Analysis
Yamunah Vaicondam, Huma Sikandar, Sobia Irum, Nohman Khan, Muhammad Imran Qureshi
International Journal of Online and Biomedical Engineering, 2022
The concept of digital learning has grown in popularity significantly over the last few decades especially in the past couple of years due to covid-19. Digital learning is defined as any type of learning that integrated Information and communication technology in its conduct. This study aims to presents a research landscape of digital learning research published in the past 20 years. We conducted a bibliometric analysis to determine the pattern of digital learning published literature from 2002 to 2021. The search for the relevant articles was made on the basis of keywords linked with digital learning in the article's title, abstract, and keywords. As a result, we retrieved 1361 papers from Scopus for bibliometric analysis. The review identifies the publication growth trend, most cited articles, top journals, productive authors, and the leading countries and institutions and major subject areas. According to the findings of our analysis, the United States is the most productive country in terms oof publications and citations. Computers and Education is the leading journal. Through the co-occurrence of keywords analysis, we determined that the most significant keywords associated with digital learning are covid-19, online learning, e-learning and digital learning environment, higher education, digital technologies and so on. The highest number of digital learning articles are published under social science domain. The publication growth trend is consistently rising and is projected to continue in the following years, indicating the importance of digital learning in different domain. The study provides a roadmap for future researchers to follow, where they can focus on key areas where success is possible.
Towards the development of digital manufacturing ecosystems for sustainable performance: learning from the past two decades of research
Abdulrazak F. Shahatha Al-Mashhadani, Muhammad Imran Qureshi, Sanil S. Hishan, Mohd Shamsuri Md Saad, Yamunah Vaicondam, Nohman Khan
Energies, 2021
Although the Internet of Things (IoT), advanced manufacturing technologies, and cloud manufacturing contribute to developing a digital manufacturing ecosystem that enhances energy efficiency and resource utilization, manufacturing processes are vulnerable to timely production and delivery. The digital manufacturing systems in Industrial Revolution 4.0 (IR 4.0) minimized the human-technology interactions to foster productivity and material flow. However, there is scarce research to gauge the efficiency of these digital technologies in the entire manufacturing process; also, little is known about the collaborative efforts among countries to achieve sustainable manufacturing performance through the digitalization of the production process. Thus, this systematic review aimed to highlight the effectiveness of the digital manufacturing systems for sustainable product development and the collaborative research on the subject. We selected 52 research articles for this review by following the 2015 Preferred Reporting Items for Systematic Review and Meta-Analysis Protocols (PRISMA) statement. The literature classifications were developed using text frequency algorithms in VOSviewer (Centre for Science and Technology Studies, Leiden University, The Netherlands) Results exposed literature from 2005 to 2020 can be categorized into four major research streams: digital transformation, digital manufacturing ecosystem, performance management, and sustainability. The study’s findings revealed that the manufacturing processes are moving towards the IoT, digital devices, and smart factories that are entirely dependent on digital technologies. The digital manufacturing ecosystem is dependent on the availability of digital technologies to all stakeholders. The study concluded that digital technologies are improving manufacturing efficiency and process effectiveness. However, this requires infrastructure that primarily available in developed countries; thus, the digital transformation in underdeveloped regions is deliberate and requires more collaborative research.
Information and Communication Technology-Based Education Planning and Attitude of College Students
Yamunah Vaicondam, Sanil S Hishan, Samina Begum, Muhammad Hassan
International Journal of Interactive Mobile Technologies, 2021
The ubiquity of Information and Communication Technology (ICT) in every school framework in the world has become a trend. With ASEAN integration problems in 2015, can fresh and younger HEI's and their students cope with this trend? The goal of this analysis is to decide the preparedness and role of new HEI students in the field of ICT education. In this study a concise template utilizing a researcher-made questionnaire (α=.971) was used. The research findings show that students at college have a optimistic declaration ('agreement') on ICT use in education (x=3.71; S=.75). This was also shown that sex greatly affects the mindset of students (z=3.91, p=.00), where male attitudes are higher (x=3.91) than female attitudes (x=3.61). Moreover, it demonstrates that preparedness for ICT in general has little to do with the mindset of students towards the usage of ICT in school. Nonetheless, there is a important marginal positive association between ICT access and an attitude of significance to 0.05 (r=.15; p=.002; single-tailed), which suggests that the more a student gets introduced to ICT, the more he develops his attitude to ICT education. It was believed that ICT-based curriculum can be readily adopted and modified for the next several years by complete ICT adoption as the current educational framework. Current and younger HEIs will also spend more in ICT Accessibility and Connectivity to further boost ICT-based awareness and preparedness.
Scientific Mapping of Industry 4.0 Research: A Bibliometric Analysis
Huma Sikandar, Yamunah Vaicondam, Nohman Khan, Muhammad Imran Qureshi, Abrar Ullah
International Journal of Interactive Mobile Technologies, 2021
The fourth industrial revolution is progressing very rapidly. This research aims to investigate the research patterns and trends of industry 4.0 research with a focus on manufacturing. This bibliometric analysis is performed on data of the past five years (2016 to 2020) retrieved from the Scopus database. This research is conducted on 1426 articles in which the top productive countries, authors, institutions, and most cited articles were investigated. Findings demonstrated that Italy, the United States, and China are the most active countries in terms of research publications. South China University of Technology (China) has been identified as the most productive institution. Wan, J., Li, D., Rauch, E. were found to be the most productive authors. Industry 4.0 is primarily focused on the fields of engineering and computer science and sustainability is the most prolific journal. Co-occurrence analysis of keywords, co-authorship analysis of authors and countries were carried out along with bibliographic coupling of documents using VoS viewer which is the most common information visualisation software. This article summarises the growth of Industry 4.0 in the past five years and gives a short overview of the related works and applications of Industry 4.0.
Bibliometric Analysis of Telemedicine and E-Health Literature
Huma Sikandar, Yamunah Vaicondam, Shazia Parveen, Nohman Khan, Muhammad Imran Qureshi
International Journal of Online and Biomedical Engineering, 2021
Emerging technologies such as artificial intelligence, the internet of things, cloud computing, and wearable gadgets have broadened the scope of telemedicine and eHealth in past years. This research aims to investigate the past patterns of telemedicine and eHealth research over the past ten years. Scopus database was used to extract the article information of the selected articles. The research is conducted on 1401 articles in which we investigated the top authors, journals, institutions, countries, and highly cited articles. Our research findings project the growth trend of publications and the pattern of authors and distribution of articles and the core journals. The top 10 authors in the selected field were identified so were the highly cited articles. Co-occurrence analyses of keywords, authors, and countries co-authors analysis and bibliographic coupling of VOS viewer documents were conducted. The limitations and directions for future researchers have also been discussed.
Impact of COVID-19 pandemic on sustainable development goals: What we learn from the past and where we are heading?
Sanil S Hishan, Muhammad Imran Qureshi, Nohman Khan, Suresh Ramakrishnan, Heethal Jaiprakash, Yamunah Vaicondam
Estudios De Economia Aplicada, 2021
Recently, the world is witnessing a severe global health issue owing to the COVID 19 pandemic, initially encountered at the city of Wuhan in Hubei province in China. It spread rapidly, so do the fatality ratio. This pandemic has jeopardized the sustainable development goals at large. Still, the future is uncertain. The current study aimed to serve a multi-fold objective. First is to review the past literature on the coronavirus family to map our current understanding of its epidemic outbarks and to overview its social, environmental, and economic impact. Finally, to provide future agenda for policymakers to restrain the sustainable development goals. We used Scopus and Web of Science (WoS) databases for the systematic literature review process. We followed a strict screening process recommended in the PRISMA guidelines for the screening and quality assessment of systematic literature review. Final 51 studies were included for the systematic literature review. A systematic review of the past literature identified severe acute respiratory syndrome coronavirus (SARS), Middle East Respiratory Syndrome Coronavirus (MERS), bovine Coronavirus, canine Coronavirus, and feline Coronavirus are the significant classifications of the Coronavirus family discuss in the literature. We highlighted the potential pitfalls in the past literature, mainly serious scarce of collaborative and multidisciplinary research on the pandemic, although several researchers in the past highlighted the issue. However, these studies were mostly in a lab setting and experimental design. We provided a framework for a pandemic strategic response plan through multidisciplinary research to mitigate the impact of the recent COVID-19 pandemic and to be prepared for future episodes.
Corporate social responsibility for natural disaster: A new method for organizational risk management
Sanil S Hishan
Journal of Advanced Research in Dynamical and Control Systems, 2020
The study on factors that influencing banks’ non-performing loans in Malaysia
Faculty of Business, Accounting &Management, Segi University, Malaysia., Yamunah Vaicondam, Sanil S Hishan, Azman Hashim International Business School (AHIBS), Universiti Teknologi Malaysia, Malaysia, Tang Pik Shan, Faculty of Business, Accounting &Management, Segi University, Malaysia
International Journal of Engineering and Advanced Technology, 2019
Corporate social and enviornmental disclosure among malaysian listed companies
International Journal of Recent Technology and Engineering, 2019
Capital structure, capital investment and profitability among Malaysian listed firms
Yamunah Vaicondam, Ramakrishnan Ramakrishnan
International Journal of Engineering and Technology Uae, 2018
Buying intention and factors influencing buying behavior
Halima Abdallah Migoko, Yamunah Vaicondam
International Journal of Engineering and Technology Uae, 2018
Capital structure and profitability across Malaysian listed firms
Yamunah Vaicondam, Suresh Ramakrishnan
Advanced Science Letters, 2017
Capital investment and profitability across Malaysian consumer products sector
Lee Li Lian, Suresh Ramakrishnan, Yamunah Vaicondam, Sanil S Hishan
Advanced Science Letters, 2017
Corporate responsibility of the listed Malaysian insurance companies
Suresh Ramakrishnan, Dalal K Alsahliy, Sanil S Hishan, Lim Boon Keong, Yamunah Vaicondam
Advanced Science Letters, 2017

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