1. Faculty of Economics and Business Administration, University of Craiova, Romania; e-mail: cristispulbar7@gmail.com
2. ABM College Calgary, Canada; e-mail: abdullah.ejaz@abmcollege.com
3. Faculty of Social Science, University of Craiova, Romania; e-mail: ramona.f.birau@gmail.com
4. Amity University Mumbai, Faculty of Finance, India; e-mail: contact.tjatin@gmail.com