Rosnaini Daga (Scopus ID : 57236477800), Institut of Business and Finance Nitro Makassar, Indonesia

Kurniawaty (Scopus ID : 57207928677), STIE Amkop Makassar, Indonesia

Sri Rahmi (Scopus ID : 057219240328), STIE Amkop Makassar, Indonesia

Moh. Hatta Alwi Hamu, Institute of Business and Finance Nitro Makassar, Indonesia

Maria Christina Endarwati, Institut Teknologi Nasional Malang, Indonesia

Insany Fitri Nurqamar, Universitas Hasanuddin, Indonesia

Warka Syachbrani, Universitas Negeri Makassar, Indonesia