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| Ying Yin Koay |
| Universiti Tunku Abdul Rahman |
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| Faculty of Business and Finance, |
| Universiti Tunku Abdul Rahman |
| Jalan Universiti, Bandar Barat |
| Kampar, Perak 31900 |
| Malaysia |
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| koayyy@utar.edu.my |
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JEL Areas:
O1 : Economic Development: General
M2 : Business Economics: General |
