Cep Jandi Anwar⁽¹⁾, Indra Suhendra⁽²⁾, Taufik Imansyah⁽³⁾, Vadilla Mutia zahara⁽⁴⁾, Tony Santika Chendrawan⁽⁵⁾,
(1) Universitas Sultan Ageng Tirtayasa
(2) Universitas Sultan Ageng Tirtayasa
(3) Universitas Sultan Ageng Tirtayasa
(4) Universitas Sultan Ageng Tirtayasa
(5) Universitas Sultan Ageng Tirtayasa

Sri Rejeki Prasasti⁽¹⁾, Mahjus Ekananda⁽²⁾,
(1) Universitas Indonesia
(2) Universitas Indonesia

Jihad Lukis Panjawa⁽¹⁾, Danur Condro Guritno⁽²⁾, Rr Retno Sugiharti⁽³⁾, Mahrus Lutfi Adi Kurniawan⁽⁴⁾, Sekar Ayu Damayanti⁽⁵⁾,
(1) Universitas Tidar
(2) National Dong Hwa University
(3) Universitas Tidar
(4) Universitas Ahmad Dahlan
(5) Universitas Tidar

Maria Yovita R Pandin⁽¹⁾, Tries Ellia Sandari⁽²⁾, Dedy Surahman⁽³⁾, Achmad Daengs GS⁽⁴⁾,
(1) Universitas 17 Agustus 1945 Surabaya
(2) Universitas 17 Agustus 1945 Surabaya
(3) Universitas Muhammadyah Surabaya
(4) Universitas 45 Surabaya

Erlyn Yuniashri⁽¹⁾, Susilo Susilo⁽²⁾, Setyo Tri Wahyudi⁽³⁾,
(1) Brawijaya University
(2) Brawijaya University
(3) Brawijaya University

Avi Budi Setiawan⁽¹⁾, Agus Dwi Nugroho⁽²⁾, Dian Tri Wiyanti⁽³⁾, Mochammad Yusuf⁽⁴⁾, Anjani Maslikhatun⁽⁵⁾, Prasetyo Ari Bowo⁽⁶⁾,
(1) Economics Development Department, Economic Faculty, Universitas Negeri Semarang
(2) Doctorate Program Hungarian University of Life Science and Agriculture, Hungaria
(3) Doctorate Program in Biotech and Healthcare Management, Taipei Medical University
(4) Economics Development Department, Economic Faculty, Universitas Negeri Semarang
(5) Economics Development Department, Economic Faculty, Universitas Negeri Semarang
(6) Economics Development Department, Economic Faculty, Universitas Negeri Semarang

Ica Cahayani⁽¹⁾, Ahmad Muajaddid Fachurreza⁽²⁾, Agata Nina Puspita⁽³⁾,
(1) Universitas Gadjah Mada
(2) Universitas Gadjah Mada
(3) Universitas Gadjah Mada

Ganjar Primambudi⁽¹⁾,
(1) International Islamic University Malaysia

Palupi Lindiasari Samputra⁽¹⁾, Nining Indroyono Soesilo⁽²⁾,
(1) National Resilience Department, Universitas Indonesia, Indonesia
(2) Faculty of Economics and Business, Universitas Indonesia, Indonesia

Tri Wibowo⁽¹⁾,
(1) Financial and Development Supervisory Agency

Fandy Anggara Putra⁽¹⁾,
(1) Financial Education and Training Agency, Ministry of Finance