Khairul Akmaliah AdhamMohd Fuaad Said2024-05-282024-05-2820152232-044xhttps://business.utm.my/ijibs/attachments/article/63/IJIBS_04_02_04.pdfhttps://oarep.usim.edu.my/handle/123456789/5942en-USArticle313442