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(Text)
ACKNOWLEDGEMENT Alhamdulillah, Thanks to the Almighty Allah, without which, the completion of this study would never be accomplished. My sincere thanks to Dr. Balachander K.Guru, my supervisor, for his continuous guidance, advice and support while conducting this study. I would also thanks to my MMU colleagues, research assistants, Bank Negara Library, Abu Din Abu Bakar, all the commercial banks concerned and many others whose name may not even be recorded in this acknowledgement, for the provision of valuable information that made this study possible. Last but not least, I would like to thank my family, especially my parents, my husband and children, Muhammad Aiman Haiqal, Muhammad Harith Iqbal, Muhammad Aqmal Qayyum and Qeestina Qaisara, for their love and support.
(Author portrait)
Hazlina Abd Kadir is a lecturer in Multimedia University (MMU),Cyberjaya, Malaysia. She is currently pursuing her Phd inUniversiti Putra Malaysia (UPM). She had her Master of Sciencefrom UPM and Master of Philosophy from Multimedia University. Shedid her bachelor degree in University of Georgia, Athens, USA.
