The author's countries are coming from United Kingdom (King's Centre for Risk Management, King's College London), United States (Yale School of Management, Yale University), Japan (Fukuoka Institute of Technology), Hungaria (Széchenyi István University), Peru (Universidad de Ciencias y Humanidades (UCH), Universidad Nacional del Callao (UNAC)), Morocco (University Mohammed V in Rabat (UM5), University Chouaib Doukkali of El Jadida), Algeria (Echahid Cheikh Larbi Tebessi University, University of Batna 2), Austria (Johannes Kepler University Linz), Azerbaijan (National Aviation Academy, Baku), Chile (Universidad Tecnológica Metropolitana), Viet nam (Nam Can Tho University), Malaysia (Universiti Kebangsaan Malaysia, Universiti Pendidikan Sultan Idris, Universiti Teknikal Malaka, UiTM Cawangan Kedah Malaysia), Iraq (Mustansiriyah University, Wasit Governorate, University of Baghdad, Ministry of Finance Iraq), Thailand (Chiangrai Rajabhat University, Chulalongkorn University), India (Lyallpur Khalsa College Technical Campus, Rajalakshmi Institute of Technology, Chennai, University College of Engineering, Kancheepuram, SNS College of Engineering, R.M.K. College of Engineering and Technology, Dayananda Sagar University, S.A. Engineering College, Velammal College of Engineering and Technology, Velammal Institute of Technology, University College of Engineering), Indonesia (Universitas Gadjah Mada, Universitas Ahmad Dahlan, State University of Surabaya, Sepuluh Nopember Institute of Technology Surabaya, Universitas Mercu Buana, Universitas Malikussaleh, Bina Nusantara University, Politeknik Negeri Medan, Politeknik Negeri Jember, Universitas Islam Riau, Institut Teknologi Del, Universitas Muhammadiyah Surakarta, Universitas Negeri Makassar, Universitas Pancasakti,Telkom University, Universitas Jenderal Soedirman, Universitas Syiah Kuala, Serambi Mekkah University, Universitas PGRI Madiun, PGRI University, West Sumatera, Universitas Andalas, Universitas Islam Indonesia, Universitas Muhammadiyah Surakarta)