Title of paper [Palatino Linotype, size 18, bold]

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Title of paper

[Palatino Linotype, size 18, bold]

Author 1 Name and surname^* [Palatino Linotype, size 12, bold]

aOrganisation, Country¹

Email [Palatino Linotype, size 12, italic]

Author 2 Name and surname^a* [Palatino Linotype, size 12, bold]

aOrganisation, Country

Email [Palatino Linotype, size 12, italic]

ABSTRACT[Times New Roman, size 12, bold]

Please provide an abstract of 150 to 250 words. The abstract should not contain any undefined abbreviations or unspecified references. The abstract should state briefly the purpose of the research, the principal results and major conclusions. Citations should be avoided, but if essential, then cite the author(s) and year(s). An abstract is often presented separately from the article, so it must be able to stand alone.

JEL classification: A1; B2; C3 Please provide up to 6 standard JEL codes. The available codes may be accessed at JEL: http://www.aeaweb.org/jel/guide/jel.php

Keywords: Keyword1, Keyword2, Keyword3 [Times New Roman, size 12]

1. INTRODUCTION[TIMES NEW ROMAN, SIZE 12, BOLD]

Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text.

Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text..

Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text.. [Font Times New Roman, size 12]

The paper format A4 paper (portrait layout); margins: left, right, top: 2.5 cm; bottom: 3 cm.

1 Corresponding author . Clearly indicate who will handle correspondence at all stages of refereeing and publication, also post-publication. Ensure that telephone and fax numbers (with country and area code) are provided in addition to the e-mail address and the complete postal address.

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2. SECTION [TIMES NEW ROMAN, SIZE 12, BOLD]

Chapters should include: Literature review, Model specification and data, Empirical results.

Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body text, Body

Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here.

References can be in any style or format as long as the style is consistent. Where applicable, author(s) name(s), journal title/book title, chapter title/article title, year of publication, volume number/book chapter and the pagination must be present. If you do wish to format the references yourself they should be arranged according to the following examples:

Reference style in Text: All citations in the text should follow APA (American

Psychological Association) referencing system

(see http://www.apastyle.org/ or http://blog.apastyle.org/ ).

Figure/Chart 1

Figure/Chart title [Times New Roman, size 11]

Source: Author’s calculation or Bagdare (2013), p. 46.

Table1

Table title [ Times New Roman, size 11]

Source: Author’s elaboration or Bagdare (2013), p. 46

Mathematical Expressions. Displayed equations (Times New Roman 12 pt, Regular, Alignment Justify) should be numbered consecutively, with the number set in right sight.

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Equations should be referred to in abbreviated form, e.g. “Eq. (3.1)” or “(3.1)”. in multiple/line equations, the number should be given on the last line.

2.1. Subsection title [Times New Roman, size 12, bold]

Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here.

2.1.1 Subsection title [Times New Roman, size 12, bold]

Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here.

3. SECTION [TIMES NEW ROMAN, SIZE 12, BOLD]

. . .

4. CONSLUSIONS [TIMES NEW ROMAN, SIZE 12, BOLD]

Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text goes here, Body text

5. REFERENCES

Reference List: The list of references should only include works that are cited in the text and that have been published or accepted for publication. Personal communications and unpublished works should only be mentioned in the text. Do not use footnotes or endnotes as a substitute for a reference list.

Reference list entries should be alphabetized by the last names of the first author of each work. References should be arranged first alphabetically and then further sorted chronologically if necessary. More than one reference from the same author(s) in the same year must be identified by the letters 'a', 'b', 'c', etc., placed after the year of publication. Use of DOI is highly encouraged.

JMCBEM suggests use of the APA (American Psychological Association) referencing system (see http://www.apastyle.org/ or http://blog.apastyle.org/ )

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