[1] Univ Malaya, Fac Econ & Adm, Ctr Poverty & Dev Studies, Kuala Lumpur 50603, Malaysia
[2] Univ Teknol Malaysia, IBS, Kuala Lumpur, Malaysia
[3] Univ Malaya, Fac Econ & Adm, Kuala Lumpur 50603, Malaysia
[4] Univ Malaya, Inst Grad Studies, Environm Sci, Kuala Lumpur 50603, Malaysia
[5] Int Islamic Univ, Fac Econ & Management Sci, Kuala Lumpur, Malaysia
[6] Univ Malaya, Fac Business & Accountancy, Kuala Lumpur 50603, Malaysia