Dillard College of Business Administration

Master of Business Administration Dillard College Centers

Distinguished Professorships Programs and Courses

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Jeff Stambaugh, Dean

(Dillard College of Business Administration Building 233)

Master of Business Administration

Graduate Coordinators: Pablo A. Garcia-Fuentes, Niyati Kataria

Graduate Faculty:	Anders, Bhattarah, Bultena, Choudhury, Davis, Forrester, Gaharan, Garcia-Fuentes, Holt, Jang, Kataria, Lei, Li, Luo, Martinez, Patterson, Patton, Stambaugh, Tilker, Tillman, Wang, G. Zhang, J, Zhang
Emeriti Faculty:	Fritzsch, Harmel, C. Harris, T. Harris, Harvey, Johnston, Kreinke, McCullough, Patin, Ramser, Rountree, Van Geem, Wilson

Introduction

The Master of Business Administration (MBA) Program was created by the graduate faculty within the Dillard College of Business Administration. All substantive changes, deletions, and additions to the rules and guidelines concerning admission to, participation in, and graduation from the MBA Program are approved by the graduate faculty before they are implemented by the Graduate Coordinator.

Mission

The Dillard College of Business Administration Master of Business Administration (MBA) degree prepares individuals for professional career opportunities in today’s dynamic, challenging, and complex world of global business. The MBA program equips its graduates with the knowledge, skills and competencies necessary to achieve their professional business goals and objectives. The MBA degree is especially valuable for individuals who want to advance their careers through leadership opportunities within a broad range of organizations.

To attain its mission, the graduate faculty within the Dillard College of Business Administration believes that the MBA Program must lead to the achievement of the following objectives. Each graduate student, in pursuing an MBA degree at MSU, will

1. Exhibit the characteristics of leadership
2. Be able to conduct themselves professionally in global environments
3. Produce creative responses to business situations
4. Integrate knowledge across business disciplines
5. Communicate at professional level

Accreditation

The Dillard College of Business Administration is accredited by the Association to Advance College Schools of Business, International (AACSB, International).

National business accreditation has several benefits to the business student:

1. Each student will receive a professional education in business administration that is relevant and of high quality.
2. The programs of business education at MSU are fundamentally similar to those received at other accredited institutions in the United States.
3. When recruiting and hiring business students, companies look favorably on graduates from accredited business programs.

Applying for Admission

To be considered for admission to the MBA Program, students must provide proofs of documents listed below to the Dr. Billie Doris McAda Graduate School.

1. A bachelor’s degree in any field from a regionally accredited college or university.
2. A completed application form.
3. Official transcripts of all previous college course work (including verification of an earned bachelor’s degree).
4. An official score on either the Graduate Management Admission Test (GMAT) or the Graduate Record Exam (GRE).

International students (from countries where English is not the native language) must provide the proofs of documents listed above as well as an official score on the Test of English as a Foreign Language (TOEFL), IELTS, ITEP, or PTE to the Office of International Services.

Application for Graduate Admission

Students may apply via The Graduate School at https://msutexas.edu/academics/graduate-school/how-to-apply.php. Students who have previously attended Midwestern State University Graduate School, but did not enroll for a long semester (fall or spring) must submit a reactivation form to request admission. Even students who have completed their undergraduate degree at Midwestern State University must submit an application for graduate admission. The application for graduate admission must be filed by the deadlines listed in the Academic Information section of the Graduate Catalog.

Official Transcripts

Transcripts reflecting course work pursued at all higher education institutions attended must be provided to the Graduate School before admission to MSU can be considered. Each applicant must have official transcripts sent directly to MSU. Copies of transcripts will not be accepted.

Graduate Management Admission Test (GMAT) or Graduate Record Exam (GRE)

Each applicant must register for and take the GMAT or GRE. Information about the GMAT can be found at http://www.mba.com.  Information about the GRE can be found at http://www.ets.org/gre.  Members of the Beta Gamma Sigma (the international honor society serving business programs accredited by AACSB International) may request to have the test requirement waived (Beta Gamma Sigma membership does not result in an automatic test waiver). Individuals that have a prior graduate or terminal (e.g. MD, JD, Ph.D.) degree are exempted from the GMAT requirement. GMAT/GRE may be waived by the MBA Coordinator on a case-by-case basis with conditional admission for applicants who satisfies any of the following conditions:

1. Minimum overall GPA of 3.0 from U.S. post-secondary institutions
2. Minimum major GPA of 3.5 from U.S. post-secondary institutions
3. Minimum overall GPA of 3.0 from at least 9 hours of graduate level courses work from U.S. post-secondary institutions
4. A quantitatively oriented professional certification
5. Other standardized test scores demonstrating comparable quantitative ability
6. Significant professional work experiences

Current resume

Each applicant must include an up-to-date resume listing prior educational and work experiences.

Admission Status

Applications for admission are reviewed and several factors are considered, including the applicant’s GPA on his/her last 60 hours of undergraduate course work and the score on the GMAT or GRE. Admission decisions are made by the Dillard College of Business Administration’s Graduate Program Committee.

International applicants must meet a minimum score on the TOEFL, IELTS, ITEP, or PTE as required under International Students.

Unconditional Admission

A citizen of the U.S.A. who (1) has an earned undergraduate degree, (2) submits an application for graduate admission (including all required application materials), and (3) has been accepted for admission by the Dillard College of Business Administration’s Graduate Program Committee will be unconditionally admitted to the MBA program. To be admitted unconditionally, an international applicant must not only meet the three conditions above but also satisfy the TOEFL requirements shown above.

For more information on the MBA program including Program Requirements and Guidelines, see Master of Business Administration, M.B.A.

Important Program Guideline

The graduate faculty of the Dillard College of Business Administration has approved a number of guidelines (or rules) which must be adhered to by all MBA students. These guidelines affect several facets of the MBA program.

Common Body of Knowledge Courses

1. CBK Course Prerequisites: Before registering for a CBK course, a student must complete each prerequisite either at MSU or by transfer credit.
2. Undergraduate CBK Courses: Since the required CBK courses are undergraduate courses, they may be taken at MSU prior to entering the MBA program. All required CBK courses taken at MSU (after completing requirements for an undergraduate degree) will be included as part of the last 60 hours of course work, which forms the basis for computing the student’s undergraduate GPA.
3. Transferred CBK Courses: Equivalent CBK courses may be transferred from other accredited colleges and universities. Equivalency will be determined by the Graduate Coordinator in consultation with the appropriate Department Chair.
4. CLEP Exam: A student may satisfy a required CBK course by taking a College Level Examination Program (CLEP) subject exam. In order to receive credit, the student must earn a score equivalent to “B” or higher. Credit from DANTES will not be accepted.
5. Completion of CBK Courses: Before beginning graduate level course work, a student must complete all or a majority of the required CBK courses. Any student wishing to take a graduate level business course prior to completion of all CBK courses must receive approval from the Graduate Coordinator.
6. Microcomputer Proficiency: A student who is not proficient in microcomputer applications will be advised to take MIS 2003 (Information Technology Concepts for Business).

Required Graduate Courses

Normally no substitutions will be allowed for the eight (24 semester hours) graduate courses required for the MBA degree (i.e., those courses specifically identified by course number and title).

Elective Graduate Courses

All graduate level elective courses must be approved by the Graduate Coordinator. The following rules will help students select graduate level electives.

1. Undergraduate Courses Taken for Graduate Credit: The Dillard College of Business Administration does not award graduate credit for any undergraduate courses.
2. Graduate Transfer Credit: A maximum of 6 semester hours of graduate level course work may be transferred from another accredited college or university or from another graduate program at MSU. Each graduate course for which transfer credit is requested must be approved by the Graduate Coordinator.

Minimum Grade Requirements

Graduate students are expected to do high quality work. Only grades of A, B, C, and CR are acceptable in graduate courses. Graduate students are responsible for adjusting their course loads consistent with their schedules of work and other outside activities and to prepare themselves by taking prerequisite courses. The following rules, approved by the graduate faculty of the Dillard College of Business Administration, concern graduate level performance.

1. Transfer Credit -Transfer credit will be reviewed for approval.
2. Grade Point Average – To graduate with an MBA degree, students must earn a cumulative GPA of 3.00 or higher on all graduate course work. Furthermore, students who choose the thesis option must earn a minimum GPA of 3.00 on all graduate course work in order to enroll in thesis courses. All students must have an overall 3.00 GPA in order to graduate.
3. The “Three C” Rule – Graduate students who earn a “C” or lower in no more than two different graduate courses will be allowed to remain in the MBA program as long as their cumulative GPA remains 3.00 or higher. However, after earning the second “C” or lower grade, a graduate student must meet with the Graduate Coordinator to create a plan for improving performance. If a graduate student earns a grade of “C” or lower in more than two different graduate courses, the student will be dismissed from the MBA program.
4. Repeated Courses - A repeated course will not be coded as such without approval from the Graduate Coordinator. If the Graduate Coordinator approves the repeat, the repeated course will be the one calculated in the GPA. However, all previous course grades remain on the student’s transcript.

Final Degree Plan

Early in the semester prior to the semester of expected graduation, an MBA student must schedule a conference with the Graduate Coordinator to review his/her final degree plan. After approval by the student and the Graduate Coordinator, the final degree plan is submitted to the Dean of the Dillard College of Business Administration and then to the Office of the Registrar. After meeting with the Graduate Coordinator, the student should file for graduation.

Filing for Graduation

In the semester prior to the semester of anticipated graduation, the graduate student should file an Application for Graduation and pay the graduation fee at the Office of the Registrar. (See Academic Calendar  in the Graduate Catalog for deadlines.) A student may also apply for graduation online at https://msutexas.edu/registrar/apply-graduation/.

Research Proposal

Each MBA degree candidate has the choice of submitting a thesis. The student must submit a written research proposal to his or her presiding thesis chair. At a minimum, the proposal should cover the following areas:

Introduction to the topic chosen. Include background to the topic and why it is important.

Statement of problem and objective of study. In this part, the student should clearly and concisely indicate what he/she expects to accomplish. The discussion should cover exactly what will and will not be included in the study.

Literature review. The student should include in the proposal a brief summary of each piece of literature that significantly affects the topic. For each piece of literature included, the student should discuss how the results relate to the topic.

Proposed research design. This section is particularly important if the student chooses the thesis option. In a thesis, the student will normally define a topic, design a study to address the topic, conduct the study, and analyze the results in the final report (i.e., “the Thesis”).

Summary. In this section, the student should summarize the entire proposal.

The student should submit the research proposal as early as possible for several reasons:

1. The research proposal (and topic) will help identify an appropriate chairperson for the student’s faculty advisory committee. The background of the faculty member who will serve as chair should complement the student’s proposed research.
2. Where possible, the student should write research papers in MBA courses related to the chosen topic. In this way, each student can better understand the topic.

Thesis

A graduate student who chooses to do a thesis must adhere to the following guidelines:

1. Prepare and submit to the chairperson of his/her faculty advisory committee a more detailed research proposal than the original “Research Proposal”.
2. Actually carry out the proposed research. This usually involves collecting the appropriate data, analyzing the results, drawing appropriate conclusions, and submitting a thesis (formal report) covering the research design, analysis, and results. The requirements for a thesis are more rigorous because the results are published.

The topic chosen will be determined through consultation with approval by the student’s faculty advisory committee. The student begins this process no fewer than twelve months before expected graduation. The first draft of the thesis (including analysis of results and conclusions) should be submitted to the faculty advisory committee early in the student’s semester of expected graduation.

Graduate Advisory Committee

Identifying a thesis topic and writing a research proposal, the student should consult with the Graduate Coordinator to form a Graduate Advisory Committee.

The student’s required research proposal (discussed above) will facilitate selecting of a chairperson who has an academic background consistent with the student’s research topic.

The Graduate Advisory Committee serves two important functions:

1. Providing guidance to the student in completing his/her course work,
2. Helping the student define the research topic and supervising the conduct of a thesis.

Important Deadlines for Students in a Thesis Program

Students writing a thesis must submit a proposal. The student must complete the “Application for Admission Candidacy” form, which requires a copy of the research proposal and the list of committee members, prior to enrolling in the first thesis course. (Note: Students should identify a faculty member who has a background compatible with his/her research topic to serve as chair.)

Thesis
Semester	Requirement
First semester or no later than 3 semesters prior to graduation	Notify the Graduate Coordinator of intent to pursue the Thesis option
At least three semesters prior to graduation	Register for BUAD 6983 Write thesis proposal Identify Graduate Advisory Committee members Complete and submit Application for Candidacy to the Graduate Coordinator
At least two semesters prior to graduation	Register BUAD 6993  Begin work on thesis
Semester of Graduation	At least 3 weeks prior to the end of the semester	Completed thesis approved by GAC and turned in to the Graduate Coordinator

Dillard College Centers

America’s SBDC at MSU

Vanda Cullar, ABPA
Director

America’s SBDC at MSU is an Accredited Member of ASBDC.  MSU’s center assist clients in creating over 200 jobs annually through providing business consulting, training, and research to entrepreneurs in thirteen counties. Clients include those already in business, those who want to start a new venture, as well as providing business exit and succession planning.  Assistance in government contracting, and on-site assessment for manufacturing and training is also available.  The MSU SBDC also encourages young entrepreneurs by hosting the national program, “Lemonade Day.”  The Dillard College Entrepreneurship students participate by mentoring the youth and teaching age-appropriate business fundamentals.

Bureau of Business and Government Research

The Bureau of Business and Government Research is an integral part of the Dillard College of Business Administration and Midwestern State University. The mission of the Bureau of Business and Government Research is

1. to provide assistance in research conducted by the faculty and students in the University; and
2. to conduct and encourage research related to economic development and the local community.

The Bureau of Business and Government Research at Midwestern State University is a member of the nationwide Association for University Business and Economic Research. The Bureau of Business and Government Research publishes the Midwestern Business and Economic Review twice yearly.

Dillard Center for Energy Management

Jeffrey E. Stambaugh, Ph.D.
Director

The Dillard Center for Energy Management was established by the Dillard family to educate the next generation of energy leaders at Midwestern State University and serve the regional community.  The oil and gas industry has a long legacy in this region and continues to be one of its major economic engines. More broadly, the energy industry is a major employer in Texas, with thriving oil, gas, wind, and solar operations. With the world desperately needing more energy, the energy industry has a vibrant future. By developing graduates with the business knowledge, skills, and competencies needed to enter the industry, the Center supports students’ entry into a dynamic career and provides firms with the talent needed to sustain their vitality. The Center also serves as a catalyst for public education programs and continuing professional education offerings.

The Mamie Raborn Center for Economic Education

The Mamie Raborn Center for Economic Education was established in 1982 to increase the economic understanding of the University community and the citizens of the North Texas area. The Center provides economic education materials, disperses information concerning economic issues, and serves as a point of contact for members of the media and community having questions about economic issues.

Sanchari Choudhury, Ph.D
Director

The Munir Abdul Lalani Center for Entrepreneurship and Free Enterprise

DeAndrea Davis, DBA
Director

The Munir Abdul Lalani Center for Entrepreneurship and Free Enterprise was established by the family of Munir Lalani to support and promote entrepreneurship and free enterprise in North Central Texas. The Lalani Center assists entrepreneurial ventures, encourages creativity and innovation, and develops and provides curriculum for students at Midwestern State University. At the Dillard College of Business Administration, the Lalani Center works with students, faculty, and staff, as well as members of the North Texas business community to encourage and support successful student innovation and economic development. The Lalani Center also engages with entrepreneurs throughout the region in support of new product development, business startups, expansions, and other entrepreneurial activities. The Lalani Center impacts the local economy by teaching skill to students and entrepreneurs and by assisting in business plan development and supporting angel and venture capital development through programs such as i.d.e.a.WF.

Distinguished Professorships

Bridwell Distinguished Professorship of Finance

The Bridwell Distinguished Professorship of Finance was established in 1990 by the Bridwell Foundation to bring outstanding scholarship to Midwestern State University. The professor holding this position is recognized in the finance profession for his academic achievements.

Dr. Adam Y.C. Lei, CFA, is the Bridwell Distinguished Professor of Finance. Dr. Lei taught at Louisiana State University prior to joining Midwestern State University in 2005. He received his Ph.D. and M.S. degrees in finance from Louisiana State University, M.B.A. degree from National Chung Cheng University (Taiwan), and bachelor’s degree in industrial management from National Cheng Kung University (Taiwan). He also holds the Chartered Financial Analyst (CFA) designation since 2009. Dr. Lei’s research has been published in academic journals including the Journal of Banking and Finance, Managerial Finance, Financial Services Review, the Journal of Accounting and Finance, and the Journal of Economics and Finance Education.

Dillard Distinguished Professorship of Energy Management

The Dillard Distinguished Professorship of Energy Management was established in 2014 by the Dillard family to support the energy management activities in the Dillard College and the region.

Dr. Jeffrey E. Stambaugh, the Dillard Distinguished Professor of Energy Management and the Dean of the Dillard College of Business Administration at Midwestern State University, is a retired USAF Colonel with 24 years of service as a fighter pilot and commander. He also served at the Pentagon and on international staffs in Japan and Germany.  A 1981 graduate of the USAF Academy, he was a Fellow at the Weatherhead Center for International Affairs at Harvard University in 2000. Dr. Stambaugh earned a Ph.D. in Management (business strategy and entrepreneurship) from Texas Tech University in 2008. He directed the Munir Abdul Lalani Center for Entrepreneurship and Free Enterprise in the Dillard College of Business Administration from 2008 to 2015 before becoming the Director for the Dillard Center for Energy Management.

Dillard Distinguished Professorship of Energy Finance

The Dillard Distinguished Professorship of Energy Finance was established in 2014 by the Dillard family to support the energy finance activities in the Dillard College and the region.

Dr. Robert C. Forrester has been named the first Dillard Distinguished Professor of Energy Finance.  He received his BBA and MBA from Midwestern State University and his doctorate in finance from Kennesaw State University. Prior to entering academia, he was employed in a management position with a Fortune 500 company and later was the owner of several successful companies in the North Texas area, as well as the recipient of the BBB Torch Award for honesty and integrity in business. In his first year of teaching, the MSU Student Government Association selected Robert as the Midwestern State University Professor of the Year.  He was selected as the MSU Dillard College of Business Outstanding Alumni of the Year in 2010.  In addition, the Dillard College of Business faculty chose Robert for their 2010-2011 Faculty of the Year award. Robert serves as the Dillard College of Business chair of the Economics, Finance, and General Business Department. He has served as a survey panelist for the Federal Reserve Bank of Dallas since 2007, President of the Red River Best Chevy Dealers Association, past board member of the Clay County Memorial Hospital, past chair of the Clay County Hospital Foundation, chairman of the board for Beacon Lighthouse for the Blind, chairman of the board for United Regional Health Care System, as well as many other boards and committees.

Louis J. and Ramona Rodriguez Distinguished Professorship

The Louis J. and Ramona Rodriguez Distinguished Professorship was established in 2003 to honor President Emeritus Louis J. and Ramona Rodriguez.

Susan B. Anders, Ph.D., CPA, CGMA, the Louis J. and Ramona Rodriguez Distinguished Professor of Accounting, came to Midwestern State University in 2015 from St. Bonaventure University where she was a Professor of Accounting and former chair of the Accounting Department.  Dr. Anders authors a regular monthly column and serves on the editorial board for The CPA Journal.  Since earning her Ph.D. in tax accounting at Texas Tech University, Dr. Anders has published numerous articles in peer-reviewed journals on tax, education, and technology issues. She has been a Volunteer Income Tax Assistance (VITA) volunteer since 2003, and has been recognized for establishing best practices for VITA programs.  Dr. Anders is a certified public accountant in Texas and New York State.  Prior to entering academia, Dr. Anders worked in public accounting for 15 years, and her last position was as a tax manager with Deloitte & Touche. She is a member of the American Accounting Association, the American Institute of CPAs, the Texas Society of CPAs, the New York State Society of CPAs, and the Accounting and Financial Women’s Alliance.  She served on the Wichita Falls Chapter of the TXCPA board of directors for several years, and currently serves on multiple TXCPA state-wide committees and as MSU’s Faculty Ambassador for the TXCPA.

Munir A. Lalani Distinguished Professorship of Entrepreneurship

The Munir A. Lalani Distinguished Professor of Entrepreneurship was established in 2008 by the family of Munir Lalani to support entrepreneurial activities in the Dillard College and region.  The professor holding this position is recognized nationally for his outstanding contributions to entrepreneurship and small business.

Prior to working at Midwestern State University, DeAndrea Davis was the Human Resources and Organizational Development Manager at United Regional Health Care Systems. Additionally, Dr. Davis has over 24 years of investment banking experience and was formerly the Director of Wealth Management at Northwestern Mutual. Before joining Northwestern Mutual, she worked for Wells Fargo, and her career path was highlighted in their corporate annual report. Dr. Davis also owns a consultancy company, offering expertise in Organizational Development and Leadership to the local community and surrounding areas.

Dr. Davis received her BBA and MBA from Midwestern State University and her Doctorate of Business Administration from the University of Dallas. Dr. Davis serves as the director of the Munir Abdul Lalani Center for Entrepreneurship and Management in the Dillard College of Business. She also sits on various community boards, including the Air Education Training Command at Sheppard and is the chair of the finance committee for Work Services Corporation. Prior community services includes, Dillard College of Business Advisory Board, United Regional Health Care Systems Board, Chamber of Commerce Board, First Capital Bank Board, and the Midtown Manor Board. Dr. Davis holds several investment licensures and professional certifications, including Certified Financial Planner® and RICP®. Her research interests include strategic leadership, employee engagement, job crafting, employee self-determination, and business accountability.

Dr. Davis’ research was accepted for oral presentation at the Academy of Management’s Annual Meeting Program in 2023. The Annual Meeting is the world’s premier event for scholarly engagement and the largest gathering of management and organization scholars worldwide. 

Additionally, Dr. Davis was recognized by the Global Intrapreneur Institute as the recipient of a 2023 Outstanding Intrapreneur Award in the Education sector stemming from her research.

Robert Madera Distinguished Professorship of Accounting

The Robert Madera Distinguished Professorship of Accounting was established in 2005 in recognition of the long-time service of Professor Emeritus, Robert Madera. The generosity of alumni of the Dillard College of Business Administration has made this professorship possible.

Terry Patton, Ph.D., CPA, CGFM, CGMA, is the Robert Madera Distinguished Professor of Accounting and the Interim Chair of Accounting, Management Information Systems, and Legal Studies Department in the Dillard College of Business Administration at Midwestern State University. He serves as one of nine members of the Federal Accounting Standards Advisory Board, which establishes the financial reporting standards for the federal government as a whole and its agencies.  He is the author of numerous articles on governmental accounting and coauthor of a textbook, Accounting for Governmental and Nonprofit Organizations, published by Cambridge Business Publishing. He also was co-author on PPC’s Guide to Governmental Financial Reporting Model: Implementing GASBS No. 34. Previously, Dr. Patton was the Research Manager at the Governmental Accounting Standards Board (GASB). In his eight years at the GASB, he was part of the project team on numerous GASB Standards including major projects such as GASB Statement No. 34, Basic Financial Statements-and Management’s Discussion and Analysis-for State and Local Governments and GASB Statement No. 45, Accounting and Financial Reporting by Employers for Postemployment Benefits Other Than Pensions. Dr. Patton also has been an Assistant Professor of Accounting at the University of Wisconsin-Oshkosh and a supervisor at a Texas CPA firm where he conducted audits of local governments. Dr. Patton received his doctorate in accounting from Texas Tech University. He is a member of the American Accounting Association and the American Institute of Certified Public Accountants.

Tarkington-Downing Rotary Distinguished Professorship

The Tarkington-Downing Rotary Distinguished Professorship was established in 2016 by the Downtown Rotary Club of Wichita Falls to assist in recruiting well-qualified business professors to the Dillard College of Business Administration. The endowment provides resources to enhance the professor’s research endeavors.

Dr. Pablo A. Garcia-Fuentes is the Tarkington-Downing Rotary Distinguished Professor and the Director of the MBA in the Dillard College of Business Administration at Midwestern State University. He received a BS in agronomy from the Universidad Nacional Agraria, Nicaragua, an MS in agricultural economics from North Carolina A&T State University, and a PhD in agricultural economics with concentrations in international trade and econometrics from Louisiana State University. His research includes issues of U.S. agribusiness, foreign direct investment, remittances, human capital, poverty, and economic growth and development in developing countries. His research is published in the Journal of Applied Economics, Journal of Economics and Finance, International Journal of Food and Agricultural Economics, International Business Research, Academy of Economics and Finance Journal, Applied Economics, Journal of Food Distribution Research, Agribusiness: An International Journal, Journal of International Agricultural Trade and Development, and Investment and Competitiveness in Africa, the Food and Agriculture Organization of the United Nations, and Virginia Tech Extension.

Programs and Courses

Programs

• •  Business Administration, M.B.A.
• •  Business Analytics Certificate
• •  Business Analytics, M.B.A.

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