Delayed payment schemes in Central-Eastern Europe and Middle-East oleh Ildikó Ádám, Marcelien Callenbach, Bertalan Németh, Rick A. Vreman, Rick A. Vreman, Johan Pontén, Tea Strbad, Dalia Dawoud, Alexander Kostyuk, Ahmed Seyam, László Nagy, Wim G. Goettsch, Wim G. Goettsch, Zoltán Kaló, Zoltán Kaló