Procedia Economics and Finance 31 ( 2015 ) 797 – 802

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2212-5671 © 2015 The Authors. Published by Elsevier B.V. This is an open access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/).Peer-review under responsibility of Universiti Teknologi MARA Johordoi: 10.1016/S2212-5671(15)01169-7

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© 2015 The Authors. Published by Elsevier B.V. This is an open access article under the CC BY-NC-ND license (http://creativecommons.org/licenses/by-nc-nd/4.0/).Peer-review under responsibility of Universiti Teknologi MARA Johor

798 Nurulzulaiha Sa’udah @ Suhadak et al. / Procedia Economics and Finance 31 ( 2015 ) 797 – 802

799 Nurulzulaiha Sa’udah @ Suhadak et al. / Procedia Economics and Finance 31 ( 2015 ) 797 – 802

800 Nurulzulaiha Sa’udah @ Suhadak et al. / Procedia Economics and Finance 31 ( 2015 ) 797 – 802

801 Nurulzulaiha Sa’udah @ Suhadak et al. / Procedia Economics and Finance 31 ( 2015 ) 797 – 802

802 Nurulzulaiha Sa’udah @ Suhadak et al. / Procedia Economics and Finance 31 ( 2015 ) 797 – 802