1. Faculty of Economics, University of Prishtine, Prishtinë, Kosovo
2. Risk Department, Central Bank of the Republic of Kosovo, Pristina, Kosovo
3. Fulbright Visiting Scholar University of Arkansas, Department of Economics, University of Arkansas, Fayetteville, AR, USA
4. Montpellier Business School, Finance, Control and Law, Montpellier, France
5. Lebow College of Business, Drexel University, Philadelphia, PA, USA
6. Faculty of Economics and Administrative Science, Niğde Ömer Halisdemir University, Nigde, Turkey