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References Basel Committee on Banking Supervision (2010). Principles for enhancing corporate governance. Basel: Bank for International Settlements. Björklund, R. (2010). Corporate board governance & the diversity-participation paradox - A note on the banking sector. International Journal of Public Information Systems, 6(1), 121-131. Bulgarian National Bank (2017). Banks in Bulgaria. Sofia: BNB, January - March 2017. Čančer, V. & Mulej, M. (2013). Multi-criteria decision making in creative problem solving. Kybernetes, 42(1), 67-81.

). Teaching creative problem solving methods to undergraduate economics and business students. Journal of Further and Higher Education, 38(4), 485-500. 14. Davidsson, P., & Honig, B. (2003). The role of social and human capital among nascent entrepreneurs. Journal of Business Venturing, 18(3), 301-331. 15. Dolinsky, A. L., Caputo, R. K., Pasumaty, K. & Quanzi, H. (1993). The effects of education on business ownership: A longitudinal study of women entrepreneurship. Entrepreneurship Theory and Practice, 18(1), 43-53. 16. Driga

. (1988). Optimal experience: Psychological studies of flow in consciousness . New York: Cambridge University Press. Currie, D. (2001). Managing Employee Well-Being . Oxford: Chandos Publishing. Čančer, V., Mulej, M. (2013) Multi-criteria decision making in creative problem solving. Kybernetes , 42(1), 67-81. De Neve, J.-E., Oswald, A. J. (2012). Estimating the influence of life satisfaction and positive affect on later income using sibling fixed effects. Proceedings of the National