First Author:   Lee Chin Universiti Putra Malaysia leechin@upm.edu.my   Faculty of Economics and Management, Universiti Putra Malaysia UPM Serdang, 43400, Malaysia   +60389467769(Phone) +60389467769(Fax) Second Author: Umar Bala Bauchi State University ubul1@yahoo.co.uk   Faculty of Social and Management Sciences, Bauchi State University Gadau, Nigeria       Third Author: Patchaya Songsiengchai Nakhon Ratchasima Rajabhat University s-patchya@hotmail.com   Faculty of Management Science, Nakhon Ratchasima Rajabhat University Amphoe Mueang, 30000, Thailand