1. School of Government, University of Economics, Ho Chi Minh City, Ho Chi Minh City, Vietnam
2. Faculty of Economics & Law, University of Finance-Marketing, Ho Chi Minh City, Vietnam
3. Department of Finance – Banking, Faculty of Accounting and Finance, Van Hien University, Ho Chi Minh City, Vietnam
4. School of Accounting, University of Economics, Ho Chi Minh City, Ho Chi Minh City, Vietnam
5. School of Economics, University of Economics, Ho Chi Minh City, Ho Chi Minh City, Vietnam