1. Faculty of Business, University Haxhi Zeka, 30000 Peja, Kosovo
2. Faculty of Economy, University of Shkodra, Jeronim De Rada, Sheshi “Dugajt e Reja”, 4001 Shkoder, Albania
3. Independent Researcher, 183 Brussels, Belgium
4. Department of Cybernetics, Economic Informatics, Finance and Accounting, Petroleum-Gas University of Ploiesti, 100680 Ploiesti, Romania