Today, the advancement of internet has provided an opportunity for banking institution in introducing new financial innovations. One of the emerging financial innovations introduced by banking institution is online banking. This study adopts a technology acceptance model (TAM) to investigate factors that determine an individual's intention to use online banking by bank customers among higher learning students in Malaysia. The additional of TAM includes usefulness, ease of use, credibility, self-efficacy, compatibility and intention to use. By using simple random sampling, one hundred and seventy college students from university campuses in Tuanku Syed Sirajuddin Polytechnic will took part in the survey. Data was collected via questionnaires; the constructs Perceived usefulness and computer self-efficacy with three items were adapted from Wang et al. (2003). Perceived ease of use with four items was adapted from Nysveen et al. (2005). Perceived credibility with two items were adapted from Pikkarainen et al. (2004). Behavioral intention with two items was adapted from Venkatesh (2000). The data were analyzed using Structural equation modeling (SEM) using AMOS 18. Understanding what influences users to accept internet banking can be beneficial to banks, system developers and marketing practitioners in developing and marketing internet banking services that will be acceptable by the target market. The research finding shows that there is significant relationship between self efficiency towards intention to use of internet banking.

Flood disaster has incurred remarkable costs to human, social and economic aspects, affecting not only the local but national and world economy as well. Flood is the most significant natural hazard in Malaysia, particularly in terms of its frequency and duration, size of the affected areas and economic damages. This paper examines the impacts of flood disaster on gross domestic product (GDP) growth in the agricultural and manufacturing sectors in Malaysia for the period of 1960 to 2013 by applying the Autoregressive Distributed Lag (ARDL) bounds testing approach for cointegration and error correction model (ECM) for short-term relationship. Augmented Dickey-Fuller (ADF) test, Phillips-Perron (PP) test and Kwiatkowski-Phillips-Schmidt-Shin (KPSS) unit root test examines the stationarity of the series. Results show that the series are cointegrated. The findings suggest that size of affected areas affects agricultural growth in both the long run and short run. Meanwhile, total damage cost also appears to affect manufacturing growth in both the long run and short run. The results of the study have important implications on the country's agricultural and manufacturing sectors.

his paper seeks to examine the impact of flood disaster on GDP growth in

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The purpose of this study is to look at the relationship between the choice of entrepreneurship as a career and communication apprehension. This study poses a question: Will a graduate who could not become employed due to his/her lack of communication skills choose to become an entrepreneur? Researchers agree that one of the main skill to become an entrepreneur is communication skills. A survey is conducted among 2300 graduates from Universiti Utara Malaysia (UUM). The choice to become an entrepreneur refers to graduates who are self-employed. In addition to being selfemployed (entrepreneur), there are other employment states such as unemployed, employed fulltime and not full-time employed. In this context, the choice set could be expanded to more than two categories: self-employed (entrepreneur), unemployed, employed full-time, and not full-time employed. The findings will help to identify the existence in relationship between the choice of entrepreneurship as a career and communication apprehension.