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		| Rayenda  Brahmana | 
	
		| Faculty of Economics and Business, Universiti Malaysia Sarawak | 
	
		| raye_brahm@yahoo.com | 
	
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		| Faculty of Economics and Business, Universiti Malaysia Sarawak | 
	
		| Kota Samarahan, 94300, Malaysia | 
	
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		| Chin hong  Puah | 
	
		| Faculty of Economics and Business, Universiti Malaysia Sarawak | 
	
		| chpuah@unimas.my | 
	
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		| Third Author: 
 
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		| Michael  Chai | 
	
		| Faculty of Economics and Business, Universiti Malaysia Sarawak | 
	
		| yan_choi0327@hotmail.com | 
	
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