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Nirdukita Ratnawati, Fakultas Ekonomi dan Bisnis Universitas Trisakti, Indonesia

Esther Kembauw, Universitas Pattimura, Indonesia

Syofriza Syofyan, Trisakti University, Indonesia

Hermien Triyowati, Scopus ID [57200246690], Fakultas EkonomiUniversitas Trisakti, Indonesia

Sri Yani Kusumastuti, Fakultas Ekonomi dan Bisnis, Universitas Trisakti, Indonesia

Angelina Ika Rahutami, Soegijapranata Catholic University, Indonesia

Lukman Hakim, (Scopus ID 7004734948) The Department of Economics, Universitas Negeri Sebelas Maret, Indonesia

Antyo Pracoyo, STIE Indonesia Banking School, Indonesia