Zaemah bt. Zainuddin, Senior Lecturer Universiti Utara Malaysia Department of Economics,Finance and Banking
Norhayati Binti Zakaria, Senior Lecturer Universiti Utara Malaysia Department of International Business
Rohaiza binti Zakaria, Lecturer Universiti Utara Malaysia Department of Quantitative Sciences
Ruzleeta Binti Zakaria, Lecturer Universiti Utara Malaysia Department of Quantitative Sciences
Faisal bin Zulhumadi, Lecturer Universiti Utara Malaysia Department of Technology and Logistics Management
Malina binti Zulkifli, Senior Lecturer Universiti Utara Malaysia Department of Quantitative Sciences

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