Research Associate
Muhammad Nazhan Kamaruzuki
Nazhan is a Research Associate at the Khazanah Research Institute. He holds a Master of Regional Planning (M.R.P.) from Cornell University and a Bachelor of Science (Islamic Finance) from International Islamic University Malaysia.


About
Nazhan is a Research Associate at the Khazanah Research Institute. He holds a Master of Regional Planning (M.R.P.) from Cornell University and a Bachelor of Science (Islamic Finance) from International Islamic University Malaysia.
Education Background
Master of Regional Planning (M.R.P.) from Cornell University; Bachelor of Science (Islamic Finance) from International Islamic University Malaysia
Expertise
Connect
KRI shares insightful commentaries on current topics to encourage discussion, but these do not represent KRI's official views.

Short Clips
Dec 16, 2025
KRI Opentable Podcast Ep.2: “Beyond Banks: Rethinking Housing as a Human Right”
Dr Suraya Ismail
Muhammad Nazhan Kamaruzuki
Dr Nur Fareza Mustapha
Theebalakshmi Kunasekaran
Gregory Ho Wai Son

Comparing Buying Fridges And Homes In Malaysia
Buying a new fridge for your new home is far less stressful than buying the home itself. While both may represent significant purchases in a person’s life, the psychological and systemic differences between the two are stark. In Malaysia, this comparison goes beyond simple economics—it reveal something deeper about how our housing and consumer systems function.

Panel Discussion
Oct 5, 2025 9:00 AM
Comparing Buying Fridges And Homes In Malaysia
Buying a new fridge for your new home is far less stressful than buying the home itself. While both may represent significant purchases in a person’s life, the psychological and systemic differences between the two are stark. In Malaysia, this comparison goes beyond simple economics—it reveal something deeper about how our housing and consumer systems function.
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Book
Policy Briefs
Views
Data Sets
Data Visualisations
Reports
Discussion Papers
Working Papers
Digital Transformation
Demography
Digital Divide
Digital & Gig Economy
AI, Automation & Work
SME Tech Adoption
Digital Infrastructure & Access
Aquaculture
Agro-industrial Crops Management
Water, Waste & Resource
Energy Transition & Just Transition
Climate Change & Resilience
Food Systems & Smallholders
Housing Affordability & Rental Market
Infrastructure Access
Public Transport & Connectivity
Urban Planning & Governance
Housing Affordability
Financialisation & Indebtedness
Poverty & Social Mobility
Education
Health, Nutrition & Public Health
Ageing, Fertility & Demographics
Income, & Consumption
Society
Gender Inclusion
Social Protection
Care & Domestic Work
Wages & Gig Work
Labour Trends & Youth Employment
Taxation
Public Finance & Fiscal Reform
Regional Development
Productivity & Industrial Development
International Trade
Economic Growth & Structure
Stephanie Hsu
Tan Hui Hui
Kelvin Ling Shyan Seng
Khairin Ilaina Mohamed Amin
Fiha Febiala
Govind Nirav Rao
C. Hari S. Shankar
Afifah Binti Ahmad
Elisabeth Chan Wen Yi
Nurrdinan Serena Amer Sharaffudin
Nurhanina Zaharin
Dr. Amirah 'Aisha Badrul Hisham
Nur Hannani Binti Abd Ghafar
Tehleel Nazir
Yee Suet Ee
Balqis Athirah Binti Azhar
Shukri Mohamed Khairi
Muhammad Syamin Bin Azman
Nurul Farhana Binti Abdul Shukor
Aidil Farhan Bin Jasrie Arman Sany
Amirah Syazwani Binti Ahmad Junaidi
Dinie Joshry Shaqeel
Ts Dr Amirah Aisha Badrul Hisham
Professor Joseph Eugene Stiglitz
K. Kuhaneetha Bai
Nadia Malyanah Azman
Siti Maisarah Zainurin
Ndongo Samba Sylla
Malini Elango
Aqeel Khaldun
Belinda Lew
Muhammad Khairulamri
Nicholas Khaw
Nur Zulaikha Atiqah Mohd Zahril
Dr Diana Abdul Wahab
Dr Umawathy Techanamurthy
Bryan Yeoh Quan Jin
Wan Manan Wan Muda
Alyssa Chua Lee-Yen
Goh Ming Jun
Mohan Mahadeva
Yap Chun Hao
Syafa Mustaffa
Ammar Hanania Hazli Izma
Dr Yunus Yasin
Dato’ Amirul Feisal Wan Zahir
Professor Emeritus Dr. Tham Siew Yean
Datuk Hisham Hamdan
Khazanah Research Institute
Tan Sri Nor Mohamed Yakcop
Tan Mei Yi
Emir Izat Abdul Rashid
Lim Han Hsuen
Ida Madieha Abdul Ghani Azmi
Musaddiq Adam Muhtar
Nur Adilah Hamid
Chakrin Utit
Bach Nguyen Luong
Zainab Ali Ahmad
Kusairi Mohd Noh
Rokiah Alavi
Ibrahim Kabiru Maji
Illisriyani Ismail
Intan Nadia Jalil
Abdulla Ibragimov
Siti Nooraznie Abdul Rahim
Fatimah Mohamed Arshad
Dr Mohd Yusof Saari
Pierre Sauvé
Tan Theng Theng
Charissa Lee Yi Zhen
Yap Gin Bee
Tan Kar Man
Junaidi Mansor
Alia Muhammad Radzi
Yeu-Mynn Yeung
Prof. Wan Abdul Manan Wan Muda
Tan Zhai Gen
Umi Maisarah Kamis
Shukri Mohamed Khairi
Wong Ee Kin
Dr. Wan Khatina Wan Nawawi
Maia Hollins-Kirk
Grace Loh Wan Chi
Keelea Shaye Linsuau Soh
Hui San Chiam
Goh Hao Yi
Daniel Filippi
Azlin Natasha Mohd Ghazali
Balqis Athirah Azhar
Dr. Sarena Che Omar
Aqeel Khaldun (University of St Andrews)
Aidil Iman Aidid
Nurul Farhana Abdul Shukor
Nur Thuraya Sazali
Yugendran Rajaendran
Putera Daniel Hakeem
Siti Aiysyah Tumin
Laventhen Sivashanmugam
Nithiyananthan Muthusamy
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Results
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Views
Dec 19, 2025
Di Sebalik Kepesatan dan Kebanjiran Pangsapuri Khidmat (Serviced Apartments)
Housing Affordability
Muhammad Nazhan Kamaruzuki
Dec 19, 2025
Dec 19, 2025
Views
Bahasa Melayu


Views
Dec 12, 2025
A Quick Look at the KL Residential Rental Affordability Market
Housing Affordability & Rental Market
Muhammad Nazhan Kamaruzuki
Dec 12, 2025
Dec 12, 2025
Views
English


Views
Oct 3, 2025
On Buying Fridges and Homes: An Unlikely but Necessary Comparison
Housing Affordability
Muhammad Nazhan Kamaruzuki
Oct 3, 2025
Oct 3, 2025
Views


Reports
Sep 30, 2025
Badges of Progress: A Study on Technology and Technical Talent Development in Malaysia
Labour Trends & Youth Employment
Education
Regional Development
Dr Mohd Amirul Rafiq Abu Rahim
Sep 30, 2025
Sep 30, 2025
Reports


Views
Aug 11, 2025
Humanising Housing: Anchoring housing to households
Housing Affordability & Rental Market
Dr Nur Fareza Mustapha
Aug 11, 2025
Aug 11, 2025
Views


Views
Aug 7, 2025
Towards A Secure and Fully Functioning Housing Rental Sector
Housing Affordability & Rental Market
Muhammad Nazhan Kamaruzuki
Aug 7, 2025
Aug 7, 2025
Views


Views
Jul 15, 2025
Buyers Beware! Why Your Mortgage Could Be a Risky Conduit Deal with No Guarantee
No items found.
Muhammad Nazhan Kamaruzuki
Jul 15, 2025
Jul 15, 2025
Views

Views
Dec 20, 2024
Arteri Kota: Mencari Dana Alternatif Pengangkutan Awam Lembah Klang
Housing Affordability & Rental Market
Muhammad Nazhan Kamaruzuki
Dec 20, 2024
Dec 20, 2024
Views


Views
Dec 5, 2024
Cabaran Belia Memiliki Rumah Serta Solusinya
Society
Muhammad Nazhan Kamaruzuki
Dec 5, 2024
Dec 5, 2024
Views

Quote Of The Day
"Cabaran pemilikan rumah bagi golongan belia bukan hanya pada pasaran perumahan yang tidak mampu milik tetapi juga prospek pekerjaan yang tidak memberangsangkan."

Views
December 5, 2024
Cabaran Belia Memiliki Rumah Serta Solusinya
Selain aspirasi rakyat memiliki harta kediaman, pemilikan rumah dalam kalangan belia juga sering menjadi topik perbincangan penggubal dasar. Hakikatnya, terdapat cabaran yang menghimpit golongan belia untuk memiliki rumah iaitu bukan sahaja penawaran
Quote Of The Day


Muhammad Nazhan Kamaruzuki
Research Associate
featured report

Kualiti Jalur Lebar Mudah Alih dan Teras Pembangunannya
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