1. Assistant Professor, Department of Economics, The Islamia University of Bahawalpur, Pakistan.
2. Professor, School of Economics, Finance and Banking, Universiti Utara Malaysia, 06010 Sintok Kedah Darul Aman, Malaysia
3. Professor, Othman Yeop Abdullah Graduate School of Business, Universiti Utara Malaysia 06010 UUM Sintok, Kedah Darul Aman, Malaysia