Ercan Özen
University of UÅŸak
Turkey

Ercan Özen
University of UÅŸak, School of Applied Sciences
Ankara Ä°zmir Yolu 8.Km 1.Eylül Kampüsü, 64000 Merkez/UÅŸak, Turkey
Phone: 0276-221-21-21
eozentr@hotmail.com

N. Serap Vurur
Afyon Kocatepe University
Turkey

N. Serap Vurur
Afyon Kocatepe University, School of Bolvadin Applied Sciences
Erenler Mahallesi, Gazlıgöl Yolu Rektörlük E Blok, 03200 Afyonkarahisar Merkez/Afyonkarahisar, Turkey
Phone: +90 272 228 13 50
serap.vurur@aku.edu.tr

Simon Grima
University of Malta
Malta

Simon Grima
University of Malta, Faculty of Economics, Management and Accountancy, Insurance Department
Msida MSD 2080, Malta
Phone: +356 2340 2340
simon.grima@um.edu.mt