Nurul Hasanah Uswati Dewi, ID Scopus 57204498184, Universitas Hayam Wuruk Perbanas, Surabaya, Indonesia

I Dewa Gde Satrya Widya Dutha, [i10-1, Hindex-3] Universitas Ciputra Surabaya, Indonesia

Nadjib Usman, [Hindex-3] STIE Perbanas Surabaya, Indonesia

Haryati Setyorini, [Hindex-1] STIE Perbanas Surabaya, Indonesia

Putri Wulanditya, [Hindex-4] STIE Perbanas Surabaya, Indonesia

Grace Maranatha, [Hindex-1] Universitas Nusa Cendana, Indonesia

Mellyza Silvi, Universitas Hayam Wuruk Perbanas, Surabaya, Indonesia

Hariadi Yutanto, [Hindex-1] Sekolah Tinggi Ilmu Ekonomi Perbanas Surabaya, Indonesia