Ouidad Yousfi MRM   68 avenue de la Justice de Castelnau Bat C, Appart 268 Montpellier, 34090 France   ouidad.yousfi@univ-montp2.fr   https://sites.google.com/site/ouidadyousfi/home           JEL Areas: G2 : Financial Institutions and Services: General G3 : Corporate Finance and Governance: General