The instruments used in this study were adapted
from previous literature based on Geer, Maher & Cole
(2008), Henri (2006b) and Al-Tamimi (2007). The
questionnaire was slightly revised to measure the con-
structs based on a multiple measurement scale. The
instrument was pre-tested among 20 respondents and
later a pilot study was conducted on 30 respondents to
assess its reliability. An internal consistency method
was performed and Cronbach’s alpha scores between
0.877 to 0.968 were recorded. With regards to the
validity of the questionnaire, the instrument was sent
to three academicians and the CRO of the retirement
fund to ensure the face and content validity. Certain
items were eliminated and refined due to repetitive
and multiple response posted in one ...