M. RUSYDI is a Practitioner in Share and Derivative Markets. He is a Lecturer in Finance and Financial Planning at Deakin University, Australia. He was also associated with the Financial Modelling Program at Centre of Strategic Economics Studies, Victoria University, Australia, and has presented a number of papers at international conferences. He has an extensive experience in the oil and retail sectors in the Asia Pacific region. He is a certified Financial Planner and a certified Derivative Adviser. SARDAR M.N. ISLAM is Professor of Welfare and Environmental Economics and Director of