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

Second Author:

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