1. Operational Research Center in Healthcare, Near East University, Nicosia, North Cyprus
2. Department of Economics, Yusuf Maitama Sule University, Kano, Nigeria
3. Department of Business Administration, Noble Technical Institute, Erbil, Northern Iraq
4. Department of Banking and Finance, University of Benghazi, Benghazi, Libya
5. Department of Tourism Administration, College of Administration and Economics, Lebanese French University, Erbil, Iraq
6. Department of Business and Management, Tishk International University, Erbil Kurdistan Region, Iraq
7. School of General and Preliminary Studies, Sule Lamido University, Jigawa, Nigeria