[1] Sub-department of applied and business informatics, Penza Cossack Institute of Technologies (branch) of K. G. Razumovsky Moscow State University of Technologies and Management (the First Cossack University), Penza, Russia
[2] Kurmangazy Kazakh National Conservatory, Almaty, Kazakhstan
[3] Al-Farabi KazNU Islamic Finance Scientific and Educational Centre, Al-Farabi Kazakh National University, Almaty, Kazakhstan
[4] Sub-Department of Management and State Municipal Administration, K. G. Razumovsky Moscow State University of Technologies and Management (the First Cossack University), Moscow, Russia