First Author:   Chee-keong Choong Universiti Tunku Abdul Rahman choongck@utar.edu.my   Department of Economics, Faculty of Business and Finance, Universiti Tunku Abdul Rahman Kampar, Perak, 31900, Malaysia       Second Author: Sok-gee Chan University of Malaya sokgee@um.edu.my   Faculty of Business and Accountancy, Faculty of Business and Accountancy, University of Malaya Kuala Lumpur, 50603, Malaysia   +603-79673888(Phone) +603-79673980(Fax) Third Author: Chuen-khee Pek The University of Nottingham Malaysia Campus chuen.pek@nottingham.edu.my   Nottingham University Business School, The University of Nottingham Malaysia Campus, Jalan Broga, Semenyih, 43500, Malaysia