Hasmiene Diocolano Ibrahim http://www.iium.edu.my International Islamic University Malaysia, Gombak, Selangor, Darul Ehsan Malaysia
Dept. of Finance, Kulliyyah of Economics and Management Sciences
Ding Xiao Ling http://www.iium.edu.my International Islamic University Malaysia, Gombak, Selangor, Darul Ehsan Malaysia