Ridzuan, Abdul Rahim, Faculty of Business and Management, Universiti Teknologi MARA, Alor Gajah Campus, Malaysia; Faculty of Economics and Business, Universitas Negeri Malang, Indonesia; Institute for Big Data Analytics & Artificial Intelligence, Universiti Teknologi MARA Malaysia; Centre for Economic Development and Policy, Universiti Malaysia Sabah, Malaysia; Institute for Research on Socio-Economic Policy, Universiti Teknologi MARA, Malaysia, Malaysia