1- Authors should thoroughly revise the abstract of the study. Methodology and results part is not clear, it should be concise and clear . Furthermore they should mention implications of their study. 2. Overall organization of the study is very weak. 3.Introduction section need to be revised significantly (i) Motivation of the study is weak, (ii) provide brief results in the introduction section, (iii) contribution of the study is missing in introduction section. 4. Literature Review section is poorly written, author must provide justification for the hypothesis development. Some latest work is missing in this domains. 5. Methodology section need to be revised. like why author use this technique. 6. The results section is very weak in terms of write up and justification. Author should follow some main papers for help on how to write results. 7- Overall presentation of the results section is poor. Its recommended to follow mainstream literature on how to present and report the results. 8- The results are simply narrated but no economic meaning is mentioned. furthermore, contradictions and similarity with existing studies need to be highlighted. 9. There are lot of confusion abstract states something else and results something else, thoroughly revise it and add practical implications as well. 10. Implication of the study are completely missing