Nurhafiza Abdul kader malim Universiti Sains Malaysia   School of Management Universiti Sains Malaysia Minden, Penang 11800 Malaysia   fizanur@usm.my   https://som.usm.my/index.php/academic-staff/522-dr-nurhafiza-abdul-kader-malim           JEL Areas: G0 : Financial Economics: General C5 : Econometric Modeling: General