Lucy lee-yun Chong Faculty of Economics and Business, Universiti Malaysia Sarawak   Department of Economics, Faculty of Economics and Business, Universiti Malaysia Sarawak. Kota Samarahan, Sarawak 94300 Malaysia   lucy_leeyun17@yahoo.com             JEL Areas: D8 : Information, Knowledge, and Uncertainty: General N2 : Economic History: Financial Markets and Institutions: General, International, or Comparative