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First Author:
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| Qaiser Munir |
| School of Business and Economics, Universiti Malaysia Sabah |
| qaiser@ums.edu.my |
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| Locked Bag 2073 |
| Kota Kinabalu, 88999, Malaysia |
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| +6088-320000 ext 1527(Phone) |
| +6088-320000 ext 1527(Fax) |
| http://www.ums.edu.my |
Second Author:
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| Noor Zahirah Mohd Sidek |
| Department of Economics, International Islamic University |
| noor_zahirah@yahoo.com |
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| Department of Economics, International Islamic University, Jalan Gombak |
| Kuala Lumpur, 50728, Malaysia |
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Third Author:
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| Mohammed Yusoff |
| Department of Economics, International Islamic University, Malaysia |
| mohammed.yusoff@iiu.edu.my |
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