1. School of Economics and Management, Nanjing University of Science and Technology, Nanjing, PR China
2. School of Business & Economics, Universiti Brunei Darussalam (UBD), Darussalam, Bander Sri Begawan, Brunei
3. Department of Economics, Government College Women University, Sialkot, Pakistan
4. Department of Economics, Government College University, Faisalabad, Pakistan