ADVANCES IN GLOBAL BUSINESS RESEARCH Vol. 12, No. 1, ISSN: 1549-9332 Refereed Proceedings of the 12 th Annual World Congress of the Academy for Global Business Advancement (AGBA) www.agba.us Hosted by the Faculty of Industrial Management University of Malaysia Pahang Kuantan City, State of Pahang, Malaysia November 16- 19, 2015 Edited By Kishwar Joonas Prairie View A&M University Prairie View, Texas, USA Klaus-Peter Wiedmann Leibniz University Hannover, Germany Mohd Ridzuan Bin Darun University of Malaysia Pahang Kuantan City, State of Pahang, Malaysia Zafar U. Ahmed Academy for Global Business Advancement (AGBA) Fort Worth, Texas, USA