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*Disclaimer: The opinions expressed in Sukkur IBA Journal of Management and Business (SIJMB) are those of the authors and contributors, and do not necessarily reflect those of the journal management, advisory board, the editorial board, Sukkur IBA University press or the organization to which the authors are affiliated. Papers published in SIJMB are processed through double-blind peer-review by subject specialists and language experts. Neither the Sukkur IBA University nor the editorial team of SIJMB can be held responsible for errors or any consequences arising from the use of information contained in this journal, instead, errors should directly be reported to corresponding authors of articles published in SIJMB.