First Author:   Turkhan Ali Abdul Manap Dept. of Economics, KENMS, International Islamic University Malaysia turkhan@iium.edu.my   P.O. Box 10 Kuala Lumpur, 50728, Malaysia       Second Author: Gairuzazmi M Ghani Dept. of Economics, KENMS, International islamic University Malaysia gairuzazm@iium.edu.my   Kuala Lumpur, 50728, Malaysia