1. Department of Finance, Banking and Economic Analysis, Center for Banking and Financial Research, Faculty of Economics and Business Administration, University of Craiova, Craiova, Romania
2. Department of Marketing and International Economic Relations, East European Center for Research in Economics and Business, Faculty of Economics and Business Administration, West University of Timişoara, Timişoara, Romania
3. Department of Finance and Accounting, Faculty of Economics, “Constantin Brancusi” University of Targu-Jiu, Targu-Jiu, Romania
4. Faculty of Economics and Business Administration, University of Craiova, Craiova, Romania
5. Department of Management, Faculty of Economics and Business Administration, West University of Timişoara, Timişoara, Romania