1. Faculty of Economics and Administrative Science, Department of Economics, Near East University, North Cyprus, Mersin, Turkey
2. Faculty of Economics and Administrative Science, Department of Business Administration, Cyprus International University, Nicosia, Turkey
3. Faculty of Economic and Administrative Sciences, Department of Banking and Finance, European University of Lefke, Lefke, Turkey
4. Faculty of Economics, Administrative And Social Sciences, Department of Economics, Nisantasi University, Turkey