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First Author:
 
Ricky Chee-Jiun Chia
Labuan School of International Business and Finance, Universiti Malaysia Sabah
ricky_chia82@hotmail.com
 
 
 
 

Second Author:

Shiok Ye Lim
Labuan School of International Business and Finance, Universiti Malaysia Sabah
sy_lim84@hotmail.com