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Afolabi O. Luqman
School of Economics, Finance and Banking UUM College of Business Universiti Utara Malaysia
Nor Aznin Abu Bakar
Associate Professor, Department of Economics and Agribusiness School of Economics, Finance and Banking UUM College of Business Universiti Utara Malaysia
Azman Aziz Mukhriz Izraf
Senior Lecturer, Department of Economics and Agribusiness School of Economics, Finance and Banking UUM College of Business Universiti Utara Malaysia