@article{
  author = {Najaflo, Mansour , Babaei, Mahbobe , Porjebali, Rababe },
  title = {Presenting a practical model of cooperative endowment using the Delphi method},
  journal = {Journal of Business Management},
  year = {2025},
  volume = {16},
  number = {64},
  pages = {114-135},
  doi = {}
}