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Procedia Economics and Finance 19 (2015) 37 – 50

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2212-5671 © 2015 The Authors. Published by Elsevier B.V. This is an open access article under the CC BY-NC-ND license
(http://creativecommons.org/licenses/by-nc-nd/4.0/).
Peer-review will be under responsibility of Department of Accountancy and Finance, Eastern Macedonia and Thrace Institute of Technology,
Kavala, Greece.
doi:10.1016/S2212-5671(15)00006-4
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