Document is current

Article History

Received: 28 July 2025

Accepted: 2 February 2026

First Online: 16 February 2026

Declarations

:

: This study was reviewed and approved by the Scientific and Training Committee of the National Economics University. All research procedures were conducted in accordance with relevant institutional guidelines and ethical standards for research involving human participants, including the principles of voluntary participation, informed consent, confidentiality, and data protection.

: Informed consent was obtained from all participants involved in the interviews and survey. Participants were informed about the purpose of the study, the voluntary nature of participation, and their right to withdraw at any time without any consequences.

: All participants provided informed consent for the anonymized use of their data for academic publication. No personally identifiable information is disclosed in this article.

: The authors declare no competing interests.