1. Faculty of Management, Rzeszow University of Technology, 35-959 Rzeszow, Poland
2. Department of Banking & Insurance, University of Dhaka, Dhaka 1000, Bangladesh
3. Department of Economics, Noakhali Science and Technology University, Noakhali 3814, Bangladesh
4. Department of Environmental Health, Aydin Adnan Menderes University, Efeler, Aydin 09100, Türkiye
5. Department of Logistics, Faculty of Management, University of Lodz, 90-237 Lodz, Poland
6. Institute of Economics and Finance, University of Szczecin, 71-101 Szczecin, Poland