1. School of Business, Department of Banking and Finance, SD Dombo University of Business and Integrated Development Studies, Wa, Ghana
2. School of Liberal Arts and Social Science, Department of Economics, Ghana Institute of Management and Public Administration (GIMPA), Accra, Ghana
3. Department of Land Economy, Kwame Nkrumah University of Science and Technology (KNUST), Kumasi, Ghana
4. School of Business (Department of Accounting and Finance), Ghana Institute of Management and Public Administration (GIMPA), Accra, Ghana