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| Shamsubarida Ramlee |
| Universiti Kebangsaan Malaysia |
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| Faculty of Economics and Management |
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| Bangi, Selangor 43600 |
| MALAYSIA |
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| shamsubarida@ukm.my |
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JEL Areas:
L1 : Market Structure, Firm Strategy, and Market Performance: General
G2 : Financial Institutions and Services: General |
