"International Journal of Economics, Finance and Business Management Studies (IJEFBM) is an academic peer-reviewed open-access international e-journal. The purpose of the journal is to publish scholarly work, including both theoretical and empirical research, in the fields of economics, finance, business and management studies. The journal publishes scholarly research papers on key issues and developments in these disciplines, informing policies and practices and aims to promote an understanding of how studies and research in these disciplines may influence each other by encouraging an interdisciplinary academic approach. IJEFBM © 2017 FLE Learning Ltd ISSN: 2397-6926 (Online) ISBN: 978-1-911185-55-0 (Online) This E-journal is published by FLE Learning Ltd (trading as FLE Learning) in Livingston, United Kingdom. Annual Subscription £150.00 E-copies of articles from International Journal of Economics, Finance and Business Management Studies can be obtained from FLE Learning. Current Rates are : £50.00 per article Subscription and all editorial correspondance FLE Learning Ltd T: 0044 131 463 7007 F: 0044 131 608 0239 E: submit@flelearning.co.uk W: www.flelearning.co.uk"

Prof. Dr. Abdul Ghafur Hamid, Dr Avnita Lakhani, Dr Monika WIECZOREK-KOSMALA, Dr. Bashar Malkawi, Dr. Indianna Minto-Coy, Dr. Jamil Ammar, Dr. Nitin Upadhyay, Dr. Poomintr Sooksripaisarnkit, Dr. Rajesh Sharma, Dr. Zhixiong Liao, Dr. Zinatul Zainol, Mrs. Andrea Bockley, Ms. Florence Simbiri-Jaoko, Ms. Mercy Khaute, Prof. Tshepo Herbert Mongalo, Dr. Joanna Błach, Miss. Kate Masih, Dr. Ramandeep Kaur Chhina

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