| 
	
	
		| Nor ghani  Md nor  | 
	
	
		| Universiti Kebangsaan Malaysia | 
	
	
		|   | 
	
	
		| Faculty of Economics and Management | 
	
	
		 | 
	
	
		 | 
	
	
		| Bangi, Selangor 43600 | 
	
	
		| MALAYSIA | 
	
	
		|   | 
	
	
		| norghani@ukm.my | 
	
	
		|   | 
	
	
		 | 
	
	
		|   | 
	
	
		|   | 
	
	
		|   | 
	
	
		|   | 
	
	
		|   | 
	
	
		JEL Areas: L1 : Market Structure, Firm Strategy, and Market Performance: General G2 : Financial Institutions and Services: General |