Abdul aziz Karia Faculty of Business and Management, Universiti Teknologi MARA (UiTM) Cawangan Sabah   Universiti Teknologi MARA (UiTM) Cawangan Sabah Kampus Kota Kinabalu, Beg Berkunci 71, Kota Kinabalu, Sabah 88997 Malaysia   abdulaziz@uitm.edu.my   https://sabah.uitm.edu.my/           JEL Areas: A1 : General Economics: General C5 : Econometric Modeling: General