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

I Dewa Gde Satrya Widya Dutha, ID Scholar zevXL80AAAAJ, Universitas Ciputra Surabaya, Indonesia

Nadjib Usman, Universitas Hayam Wuruk Perbanas, Surabaya, Indonesia

Haryati Setyorini, ID Scholar fNClCnAAAAAJ, Universitas Hayam Wuruk Perbanas, Surabaya, Indonesia

Putri Wulanditya, ID Scholar HTiWWPIAAAAJ,Universitas Hayam Wuruk Perbanas, Surabaya, Indonesia

Grace Maranatha, ID Scholar 0KzeTNAAAAAJ, Universitas Nusa Cendana, Indonesia

Mellyza Silvi, ID Scholar Ajv0XsoAAAAJ, Universitas Hayam Wuruk Perbanas, Surabaya, Indonesia

Hariadi Yutanto, ID Scholar F7LJgAQAAAAJ, Universitas Hayam Wuruk Perbanas, Surabaya