1. Faculty of Economics, University of Zawia, Zawia, P.O. Box 16418, Libya
2. Faculty of Economics and Management, Universiti Kebangsaan Malaysia, Bangi 43600, Malaysia
3. Faculty of Economics and Business, Universitas Airlangga, Indonesia
4. UKM-Graduate School of Business, Universiti Kebangsaan Malaysia, Bangi 43600, Malaysia