First Author:   Chin-Hong Puah Department of Economics, Faculty of Economics and Business, Universiti Malaysia Sarawak chpuah@feb.unimas.my   Department of Economics, Faculty of Economics and Business, Universiti Malaysia Sarawak Kota Samarahan, 94300, Malaysia   +6082-582409(Phone) +6082-582409(Fax) Second Author: Albert Apoi Department of Economics, Faculty of Economics and Business, Universiti Malaysia Sarawak apoi_albert@yahoo.com         Third Author: Jerome Swee-Hui Kueh Department of Economics, Faculty of Economics and Business, Universiti Malaysia Sarawak kshjerome@feb.unimas.my   Department of Economics, Faculty of Economics and Business, Universiti Malaysia Sarawak Kota Saramahan, 94300, Malaysia   +6082-582425(Phone) +6082-671794(Fax)