PEOPLE.IDEAS.PERFORMANCE

132 $USDK $%8%$.$5 3K ' Universiti Utara Malaysia Malaysia E-mail address: arpah@uum.edu.my Senior Lecturer, Deputy Dean, School of Economics Finance and Banking, Universiti Utara Malaysia BBA (Actuarial Science) (Risk Management and Insurance) from University of Wisconsin- Madison, USA MBA (Insurance) from the University of North Texas, USA. Ph.D. (Risk Management and Insurance) from Universiti Utara Malaysia Research interests: Risk Financing, Risk Maturity Model, Risk and Insurance Purchasing and Retirement Funds Actively participating in the Malaysian Association of Risk and Insurance Management (MARIM) holding the post of the Honorary Secretary Serves as the member of the Scientific Expert Panel by the National Disaster Management Agency (NaDMA) and a member of the technical committee of the Risk Management Standard by the Standards Development Agency Currently involved in disaster risk reduction and climate change adaptation research focusing on risk financing .KDLURO $QXDU ,6+$. 3K ' Universiti Utara Malaysia Malaysia E-mail address: khairol@uum.edu.my Senior Lecturer, Deputy Dean, School of Business Management, Universiti Utara Malaysia BBA (Honors) and MBA from the Universiti Utara Malaysia and Ph.D. (Franchising & Marketing) from Universiti Sains Malaysia Research interests: Management Information System, E-commerce, E-learning, Franchising, Relationship Quality and Relationship Marketing Actively involved as trainer for electronic entrepreneur for micro-entrepreneur with collaboration Malaysia Digital Economic Corporation (MDEC) +DELEDK 72/26 3K ' Universiti Utara Malaysia Malaysia E-mail address: habibaht@uum.edu.my Senior lecturer at the Department of Banking and Risk Management, School of Economics, Finance and Banking, College of Business, Universiti Utara Malaysia Ph.D. (Retirement Systems) from University of Hull, United Kingdom MA (Management systems) from University of Hull, United Kingdom BSBA (Actuarial Science) from University of Hartford, USA Diploma (Actuarial Science) from UiTM Malaysia