First Author:   Irem Bozbay Istanbul Bilgi University ibozbay@bilgi.edu.tr         http:// Second Author: Ipek Ozkal-Sanver Bilgi University isanver@bilgi.edu.tr   Department of Economics, Department of Economics, Kustepe Istanbul, 34387, Turkey   +90 532 4253436(Phone)   http:// Third Author: Remzi M. Sanver Istanbul Bilgi University sanver@bilgi.edu.tr         http://