Ismadi Ismail * Corresponding Author Faculty Business and Management, Universiti Teknologi MARA, Malacca Campus, 78000 Alor Gajah, Melaka Malaysia
Abdul Ghafar Ismail Islamic Economics and Finance Research Center (EKONIS) and Chairman Shari’ah Committee, Citibank Berhad. Malaysia
Rosilawati Amiruddin aculty Business and Management, Universiti Teknologi MARA, Malacca Campus, 78000 Alor Gajah, Melaka. Malaysia
Gadjah Mada International Journal of BusinessMaster in Management | Faculty of Economics Business | Universitas Gadjah Mada Jl. Teknika Utara No. 1 Yogyakarta 55281 Indonesia | Phone: +62 274 511036 | Fax: +62 274 511035
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