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First Author:
 
Shiok Ye Lim
Labuan School of International Business and Finance, Universiti Malaysia Sabah
sy_lim84@hotmail.com
 
Labuan School of International Business & Finance, Universiti Malaysia Sabah
Labuan, 87000, Malaysia
 
 
 

Second Author:

Mohd Fahmi Ghazali
Labuan School of International Business and Finance, Universiti Malaysia Sabah
mohdfahmi_ghazali@yahoo.com
 
Labuan School of International Business & Finance, Universiti Malaysia Sabah
Labuan, 87000, Malaysia
 
 
 

Third Author:

Chong Mun Ho
School of Science and Technology, Universiti Malaysia Sabah
cmho@ums.edu.my
 
Universiti Malaysia Sabah,, Locked Bag 2073
Kota Kinabalu, 88999, Malaysia