Zulkefly Abdul karim Universiti Kebangsaan Malaysia   Fakulti Ekonomi dan Pengurusan Bangi, --- Select One --- 43600 Malaysia   zak1972@ukm.edu.my             JEL Areas: E5 : Monetary Policy, Central Banking, and the Supply of Money and Credit: General E6 : Macroeconomic Policy, Macroeconomic Aspects of Public Finance, and General