1. School of Business, Xi’an International University, Xi’an, China
2. School of Commerce and Management Studies, Sunrise University, Alwar, Rajasthan, India
3. Department of Finance & Accounting, Adnan Kassar School of Business, Lebanese American University, Beirut, Lebanon
4. Near East University, Operational Research Center in Healthcare, Nicosia, Turkey
5. Department of Finance, Tashkent State University of Economics, Tashkent, Uzbekistan