1. Department of International Economics, Institute of Economics and Finance, The John Paul II Catholic University of Lublin, 20-950 Lublin, Poland
2. Department of Foreign Trade, Vocational School of Social Sciences, Kayseri University, 38280 Kayseri, Turkey
3. Department of Banking and Finance, Vocational School of Bozuyuk, Bilecik Seyh Edebali University, 11100 Bilecik, Turkey