[1] City Univ New York CUNY, York Coll, Sch Business & Informat Syst, Dept Business & Econ, Jamaica, NY USA
[2] Univ Sultan Zainal Abidin, Fac Business & Management, Gong Badak, Terengganu, Malaysia
[3] IQRA Univ, Fac Business Adm, Karachi, Pakistan
[4] Univ Malaysia Terengganu, Fac Business Econ & Social Dev, Terengganu, Malaysia