Co-Authors - Institut Perbanas Jakarta, Richardus Eko Indrajit Abdul Rahman Abimanyu, Andiani Aditya Bima Akbar, Achmad Fathurrazi Alfa Yohannis Amanda, Djaja Andreas Putra Wijaya Andreas, Jovianus Abel Atmojo, Wahyu Tisno Ayunda, Afifah Trista Bagus Prasetyo Budiono Bayu Saputra bayu Yasa Wedha Bram Sivadjati Budi Setiawan Chudra, Glenny Crosley, Nathaniel Daniel Avian Karjadi Diana Diana Dimas Prawira Djarot Hindarto Dodi Permadi Eka Waras Kristianto Eko Indrajid Eko Indrajit, Richardus Eko Setiawan Felix Fernando Oroh Ferdy Achmad Zulfikar Firman Pradana Rachman Glenny Chudra Guntur Haludin Hadri Helmi Handri Santoso Handri Santoso Handri Santoso Hengky, Ng Heni Jusuf Hidayat, Nurul Hidayat, Rachmad Syarul Hindarto, Djarot Indrajit, Eko Isra Ruddin Januponsa Dio Firizqi Jovanica Louis Kelwin Lucia Sri Istiyowati Luntungan Stephen Pieters Manaek, Roy Maria Magdalena Masriah Mayatopani, Hendra Michael, Dennis Mochamad Isnin Faried Muamar Fadli Kaddafi Muhamad Rendi Novrian Muhammad Teguh Prasetyo Muliawan, Joshua Mulyadi, Grace Devina Ng, Hengky Panna, Ariya Prawira, Dimas Yudha Priambudi, Gayuh Wakhyu Purawidjaja, Ratna Amalia R Arif Firmansah R. Eko Indrajit Refgiufi Patria Avrianto Refgiufi Patria Avrianto Refgiufi Patria Avrianto Richardus Eko Indrajir Richardus Eko Indrajit Rido Dwi Kurniawan Rido Kurniawan Ruddin, Isra Saiful Azhari Muhammad Saiful Azhari Muhammad Santoso, Handri Sentosa, Steve Susatyo, R Wahyu Indra Thamrin Sofian Unggul, Akhmad Vicky Hotty Setya Hanitha Viktor Gunawan Vinardo Widjaja, Herman Wiyanto, Novianthony Yadi Karyadi Yakob Jati Yulianto Yudianto, Tri Zaenab Islami