1. Guangdong University of Finance and Economics, Guangzhou, P.R. China
2. Business Administration, University of the Poonch Rawalakot, Azad Jammu & Kashmir, Rawalakot, Pakistan
3. College of Business, Shanghai University of Finance and Economics, Shanghai, P.R. China
4. Management Sciences, COMSATS University Islamabad-Islamabad Campus, Pakistan, Islamabad, Pakistan