First Author:   Chin-Hong Puah Dr. Faculty of Economics and Business, Universiti Malaysia Sarawak chpuah@feb.unimas.my   Faculty of Economics and Business,, Universiti Malaysia Sarawak Kota Samarahan, 94300, Malaysia   +6082-582409(Phone) +6082-582409(Fax) Second Author: Muzafar Shah Habibullah Professor Dr. Faculty of Economics and Management, Universiti Putra Malaysia muzafar@econ.upm.edu.my   Universiti Putra Malaysia, Universiti Putra Malaysia Serdang, 43400, Malaysia   +603-89467635(Phone)   Third Author: Venus Khim-Sen Liew Faculty of Economics and Business, Universiti Malaysia Sarawak venusliew@yahoo.com   Faculty of Economics and Business,, Universiti Malaysia Sarawak Kota Samarahan, 94300, Malaysia   +6082-582415(Phone)