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		| Fatin aminah Binti Hassan | 
	
		| Independent Researcher | 
	
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		| Oak Mansion Yokohama #202 | 
	
		| Nakazawa, 2-40-16, Asahi-ku | 
	
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		| Yokohama, Kanagawa 241-0814 | 
	
		| Japan | 
	
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		| fatinamina89@gmail.com | 
	
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		| JEL Areas: G2 : Financial Institutions and Services: General
 O1 : Economic Development: General
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