1. Institute of Business Management and Administrative Sciences, the Islamia University of Bahawalpur, Bahawalpur, Pakistan
2. Rabat Business School, International University of Rabat, Salé, Morocco
3. Lahore Business School, University of Lahore, Punjab, Pakistan
4. School of Accounting, Economics and Finance, Faculty of Business and Law, University of Portsmouth, Portsmouth, UK & Consultant in Economics and Finance, Riyadh, Saudi Arabia