1. Department of Economics, Faculty of Business and Economics, Universitas Islam Indonesia, Daerah Istimewa Yogyakarta, Indonesia
2. Department of Accounting, Faculty of Business and Economics, Universitas Islam Indonesia, Daerah Istimewa Yogyakarta, Indonesia
3. Department of Financial Analysis, Faculty of Business and Economics, Universitas Islam Indonesia, Indonesia
4. Department of Digital Business, Faculty of Business and Economics, Universitas Islam Indonesia, Indonesia