;Erasmus, Lourens J. (University of South Africa, South Africa),Kahyaoglu, Sezer Bozkus (Uni of South Africa Financial Gov Dep, South Africa)
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;Kahyaoglu, Sezer Bozkus (Uni of South Africa Financial Gov Dep, South Africa),Tecim, Vahap
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Sezer Bozkus (Uni of South Africa Financial Gov Dep Kahyaoglu South Africa),Erman Coskun
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；Berktas, Mustafa,Hiziroglu, Abdulkadir,Erbaycu, Ahmet Emin (Izmir Bakircay Uni, Turkey),Er, Orhan (Izmir Bakircay Uni, Turkey),Kahyaoglu, Sezer Bozkus (Uni of South Africa Financial Gov Dep, South Af
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