1. Finance Department, Faculty of Economics and Business Administration , West University of Timisoara , 16 H. Pestalozzi St., 300115 , Timişoara , Romania
2. ECREB – East European Center for Research in Economics and Business, Faculty of Economics and Business Administration , West University of Timisoara , J.H. Pestalozzi Street, No. 16, 300115 , Timişoara , Romania , +40.256.592.588