1. Faculty of Management Sciences, Shaheed Zulfikar Ali Bhutto Institute of Science and Technology, Karachi, Pakistan
2. Chester Business School, University of Chester, UK
3. Department of Business Administration, Fatima Jinnah Women University, Rawalpindi, Pakistan
4. School of Accounting, Economics and Finance, Faculty of Business and Law, University of Portsmouth, UK & Consultant in Economics and Finance. Riyadh, Saudi Arabia