Jaratin Lily
* Corresponding Author
https://scholar.google.com/citations?user=O-oiwPsAAAAJ&hl=en

Universiti Malaysia Sabah
Malaysia

Jaratin Lily is a senior lecturer at the Faculty of Business, Economics and Accountancy, Universiti Malaysia Sabah (UMS), Malaysia. 

Imbarine Bujang
https://scholar.google.com/citations?user=DOjmU5UAAAAJ&hl=en

Universiti Teknologi MARA (UiTM)
Malaysia

Dr. Imbarine Bujang is an Associate Professor in Finance at Faculty of Business Management, Universiti Teknologi MARA (UiTM), Malaysia

Abdul Aziz Karia
https://scholar.google.com.my/citations?user=wEU9sPoAAAAJ&hl=en

Universiti Teknologi MARA (UiTM)
Malaysia

Dr. Abdul Aziz Karia is a senior lecturer at the Faculty of Business Management, Universiti Teknologi MARA UiTM), Malaysia.