First Author:   Chee-keong Choong Ph.D Department of Economics, Faculty of Business and Finance, Universiti Tunku Abdul Rahman choongck@utar.edu.my   Jalan Universiti, Bandar Barat, 31900 Kampar,, Perak Darul Ridzuan, Malaysia. Kampar, 31900, Malaysia   +605-4662323(Phone) +605-4662323(Fax) www.utar.edu.my/fbf Second Author: Venus khim-sen Liew Ph.D Department of Economics, Faculty of Economics and Business, Universiti Malaysia Sarawak, venusliew@yahoo.com   Sarawak, Malaysia., Sarawak, Malaysia. Kota Samarahan, 94300, Malaysia