1. Department of Management Sciences, Faculty of Management Sciences and IT, Mohi-Ud-Din Islamic University, Nerian Sharif AJ&K, Pakistan
2. Department of Commerce, Faculty of Management Sciences, University of Kotli, AJK, Pakistan
3. John von Neumann University, Kecskemét, Hungary
4. Department of Management, Faculty of Applied Sciences, WSB University, Dąbrowa Górnicza, Poland
5. College of Business and Economics, University of Johannesburg, Johannesburg, South Africa