Yenal Surec, PhD1, Vargin Varer, PhD2, and Mustafa Besim, PhD2. (1) Economics, Eastern Mediterranean University, Salamis Yolu, Gazi Magusa, North Cyprus, Mersin, 10, Turkey, (2) Banking and Finance, Eastern Mediterranean University, Salamis Yolu, Gazi Magusa, North Cyprus, Mersin, 10, Turkey