1. Faculty of Finance and Banking, Department of Finance, Bucharest University of Economic Studies, 010374 Bucharest, Romania
2. IOSUD–Doctoral School, “George Emil Palade” University of Medicine, Pharmacy, Sciences and Technology of Targu Mures, 540142 Tîrgu Mureș, Romania
3. Department ED1—Economic Sciences, Faculty of Economics and Law, “George Emil Palade” University of Medicine, Pharmacy, Sciences and Technology of Targu Mures, 540142 Tîrgu Mureș, Romania