[1] Int Islamic Univ Malaysia, Dept Econ, Kulliyyah Econ & Management Sci, Kuala Lumpur 53100, Malaysia
[2] Int Islamic Univ Malaysia, Dept Finance, Kulliyyah Econ & Management Sci, Kuala Lumpur 53100, Malaysia
[3] Int Islamic Univ Malaysia, Dept Biotechnol Engn, Kulliyyah Engn, Kuala Lumpur 53100, Malaysia