Biography

Dr. Daljit Kaur, completed her PhD in Consumer Science at Universiti Putra Malaysia in 2021. Subsequently, she became a Certified Financial Planner accredited by the Financial Planning Association of Malaysia in 2022. Her academic journey also includes achieving a Master of Business Administration with a specialization in Marketing from the Malaysian Graduate School of Management, Universiti Putra Malaysia, and obtaining a bachelor’s degree in Business Administration with a focus on Finance from Universiti Kebangsaan Malaysia. With over two decades of professional experience, she has worked across various sectors, including telecommunications and finance.

Research Interest

• Organizational Behaviour

• Business Resource Management

• Financial Consumer Protection

• Consumer Behaviour in the Digital Age

Educational Background

• PhD (Consumer Science). Department of Resource Management & Consumer Studies, Faculty of Human Ecology, Universiti Putra Malaysia (2021)

• MBA (Marketing), Malaysian Graduate School of Management, Universiti Putra Malaysia (2000)

• Bachelor of Business Administration (Hons) in Finance, Universiti Kebangsaan Malaysia (1997)

Working Experience

• Lecturer (part-time), Xiamen University of Malaysia, School of Economics and Management (March 2022-March 2024). 

• Graduate Research Fellow, Department of Resource Management & Consumer Studies, Faculty of Human Ecology, Universiti Putra Malaysia (2017-August 2021). 

• Tutor, Department of Resource Management & Consumer Studies, Faculty of Human Ecology, Universiti Putra Malaysia (2017-2018).

• Management Consultant (part-time), RSS Ventures Enterprise (2008-2016). 

• Manager Business Process, TIME dotcom Bhd (2001-2006). 

• Senior Executive, Quality Procedure & Training, DiGi Telecommunications Sdn Bhd (1998-2001). 

• Executive, Phillips Securities Research, Singapore (1997-1998). 

Research Experience

• Awarded Putra Grant-IPS from the Research Management Centre, Office of the Deputy Vice-Chancellor (Research and Innovation) 2017 to 2021.

Representative Publications

Journal Publications

• Daljit Kaur Sandhu*, Afida Mastura, M.A., Elistina, A.B. & Husniyah, A.R.(2022). Regulation of the credit community and consumer sovereignty in Malaysia: The role of the regulator and the NGOs. Pertanika Journal of Social Sciences & Humanities. ISSN 0128-7702, e-ISSN 2231-8534. [JCR: Quartile 3, SCOPUS]

• Daljit Kaur Sandhu*, Afida Mastura, M.A., Elistina, A.B. & Husniyah, A.R. (2021). The stick and carrot approach to moneylenders’ self-regulation in Klang Valley, Malaysia. International Journal of Economics and Management, 15 (1), 103-116. ISSN:1823-836X,E-ISSN:2600-9390. [JCR: Quartile 3, SCOPUS]

• Daljit Kaur Sandhu*, Afida Mastura, M.A., Elistina, A.B. & Husniyah, A.R. (2020). Barriers to consumer self-protection in the moneylending decision process in Klang Valley, Malaysia. Malaysian Journal of Consumer and Family Economics, 25 (S1), 51-66. ISSN 1511-2802. [SCOPUS]

• Daljit Kaur Sandhu*, Afida Mastura, M.A., Elistina, A.B. & Husniyah, A.R. (2019). Licensed moneylending industry as an alternative financial service in Malaysia. Journal of Wealth Management and Financial Planning, 6, 66-74. [Non-Citation Journal]

Paper Presentation

• Daljit Kaur Sandhu, Afida Mastura, M.A., Elistina, A.B. & Husniyah, A.R. (2019, August 19-20). Awareness of consumer protection in the moneylending system in Klang Valley, Malaysia. [Paper presentation]. 2019 Global Forum for Financial Consumers. Universitas Gadjah Mada, Yogyakarta, Indonesia.

• Daljit Kaur Sandhu, Afida Mastura, M.A., Elistina, A.B. & Husniyah, A.R. (2018, June 23-24). The potential use of the seven Ps marketing mix in the licensed moneylending advertisement practices as an alternative source of consumer credit in Selangor. [Paper presentation]. Marketing in Asia Group (MAG) Scholar Conference in Business, Marketing and Tourism. Citadines Uplands, Kuching, Sarawak, Malaysia.

• Daljit Kaur Sandhu, Afida Mastura, M.A., Elistina, A.B. & Husniyah, A.R. (2017, December 14-15). Non-participant observation on the advertisement aspects of licensed moneylenders as an alternative source of credit in a town in Selangor. [Paper presentation]. Malaysian Association for Consumer and Family Economics (MACFEA) 21st National Seminar. International Islamic University, Malaysia.

Book

• Daljit Kaur Sandhu, Afida Mastura, M.A., Elistina, A.B. & Husniyah, A.R. (2023). Moneylending Industry in Malaysia. Perspectives of Consumers, Licensed Moneylenders and the Regulator. Universiti Putra Malaysia Press. eISBN 978-629-7590-31-8

Honors / Awards

• Certified Financial Planner (CFP) MyFiLE, MyAgeingTM Financial Literacy and Education Hub, Universiti Putra Malaysia (2022).

• Recipient of the travel grant to present at the 6th Global Forum for Financial Consumers 2019 Conference, in Gadjah Mada University, Yogyakarta, Indonesia.

• Awarded Graduate Research Fellowship (2017-2021) at the Department of Resource Management & Consumer Studies, Faculty of Human Ecology, University Putra Malaysia.

• Awarded book publication sponsorship. Perspectives of Consumers, Licensed Moneylenders and the Regulator. Universiti Putra Malaysia Press (2022). 

• NAWEM Toastmasters International Leadership Program, awarded as Competent Leader (2019). 

• NAWEM Toastmasters International Communication Program, awarded as Competent Communicator (2018).

Professional Affiliation

• Malaysian Consumers and Family Economics Association (MACFEA)

• Financial Planning Association of Malaysia (FPAM)

• Qualitative Research Association of Malaysia (QRAM)

• National Association of Women Entrepreneurs of Malaysia (NAWEM)