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First Author:
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| Faruk Balli |
| Massey University |
| f.balli@massey.ac.nz |
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| Massey University School of Economics and Finance, QB 246 Albany Campus |
| Auckland, 0632, New Zealand |
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| 0212519227(Phone) |
| 0212519227(Fax) |
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Second Author:
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| Iftekhar Hassan Chowdhury |
| Independent Researcher |
| iftekharhasan@ymail.com |
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| , New Zealand |
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Third Author:
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| Mabruk Billiah |
| Prince Mohammad Fahd University |
| sbillah@pmu.edu.sa |
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| Al Koubar, Saudi Arabia |
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