Umm Al-Qura University, Mohammed Premier University, affiliation not provided to SSRN, Umm Al-Qura University, Taif University, Shaqra University, Umm Al-Qura University, affiliation not provided to SSRN, affiliation not provided to SSRN, affiliation not provided to SSRN, affiliation not provided to SSRN, affiliation not provided to SSRN, Universiti Teknologi Malaysia, Umm Al-Qura University, Umm Al-Qura University, Umm Al-Qura University, Uttaranchal University, University of Chittagong, RTM Nagpur University and Umm Al-Qura University