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AUTHOR’S BIBLIOGRAPHY


                                       Siti Hajar Muhd Ariff is a lecturer at Commerce Department,
                                       Politeknik Kota Bharu. She completed her Master of Business
                                       Administration, concentration in Risk Management and also
                                       holds a Bachelor of Business Administration (hons.) Insurance
                                       from Universiti Teknologi MARA. She currently teaches various
                                       subjects at diploma level, such as Risk Management, Property
                                       and  Pecuniary  Insurance  and  Reinsurance.  She  has  been
                                       actively involved in the academic curriculum of the insurance
                                       program,  such  as  the  exercise  of  Continous  Quality
                                       Improvement (CQI). Her research interests are in the area of
                                       risk management and insurance, writing and presents papers
                                       in those areas at national and international levels. She can
                                       be contacted at hajarariff@pkb.edu.my.



                                       Razia  Malini  Mohamad  is  a  Head  of  Diploma  in  Insurance
                                       Programme at Commerce Department, Politeknik Kota Bharu.
                                       She holds Bachelor in Risk Management and Insurance (hons.)
                                       from  Universiti  Utara  Malaysia.  She  has  lectured  in  various
                                       subjects such as microeconomics, principles and practices of
                                       insurance for 11 years and her specialization subjects are
                                       liability  insurance  and  economics.  She  has  been  actively
                                       involved  in  the  academic  curriculum  of  the  insurance
                                       programme,  such  as  develop  and  exercise  the  curriculum
                                       review. She can be contacted at razia@pkb.edu.my.





                                       Aida  Ashyurani  Mohd  Razully  is  a  lecturer  at  Commerce
                                       Department, Politeknik Kota Bharu. She obtained Bachelor of
                                       Business  Administration  (hons.)  Insurance  from  Universiti
                                       Teknologi MARA Shah Alam. She previously worked in claims
                                       field. She has taught various subject at diploma level, such as
                                       Fundamentals and Operations of Insurance, Insurance Law,
                                       and  Risk  Management.  Beside  teaching,  she  holds  various
                                       administrative  post  and  is  currently  committee  of  Risk
                                       Management and Chances of Politeknik Kota Bharu.  She can
                                       be contacted at ashyurani@pkb.edu.my.











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