Aristotle University of Thessaloniki, University of Johannesburg, affiliation not provided to SSRN, Aristotle University of Thessaloniki, Aristotle University of Thessaloniki, Sapienza University of Rome, Sapienza University of Rome, Aristotle University of Thessaloniki, Aristotle University of Thessaloniki, Aristotle University of Thessaloniki and Aristotle University of Thessaloniki