Co-Authors Aaron Christian Abdulloh Suhaimi Abraham Reinhard Lapondu Adelya Vasya Maharani Adinda Adinda Adinda Pambayun Indraswari Adinda Putri Amelia Adipratama, Brian Aerish Theodora Budi Sentoso Aerith Theodora Budi Sentoso Ahmad Adriansyah Ahmad Farhan Baqi Aisya, Alula Faiza Ajeng Rida Riyanti Akhtar Faiz Rabbanie Alexander, Angelina Alexio Manuelo Alvinnu, Alexandria AMALIA, ALVIEN NUR Amanda, Jennifer Anastasia, Daniella Quinta Andani Artanti Yodani Andreas Candra Andreas Clarence Andrew Andriani, Meta Angel Avrilia Angela, Jeanever Vellycia Angelyn Panjaitan Angin, Pettia Weharima Perangin Anjelya Panjaitan Annisa Nur Azima Zulfa Annisaa Leonida Regi Anthony, Bentrand Cornelius Antyo Pracoyo Ardelia, Flora Ardianto, Ferenisyah Arsyad Aditya Arifin Artanti, Vania Fredline As-Syifa, Salsabila Nur Asri Setiawati Aulia Rahma Wahyudi Aurellius Krisna Putra Axton Axton Ayu Ochtavia Rohmah Azzahra Syahirra Babun Suharto Bambang Budhijana Bani Saad Bani Saad STIE Indonesia Banking School Beatrice Ellena Kurniawan Bella Vista Bintang , Muhamad Fachry Pratama Brilian, Brilian Cahyani, Rizka Diah Carita, Herlina Reva Carnelius, Carnelius Carren Vivien Catherine Patricia Catur Nugrahani Celine Chow Celloni, Alexa Princie Chairunnisa, Greisa Changgasukha, Arya Charles Frederic Lutmand Bir Chelsea Angela Chen, Liviaxander Cherard, Federico Christie Natania Harjono Clarrise Michelle Effendi Claudius Kristian Hery Cynthia Kamal Della Vista Delvin Brelyan Deni Wardani Deni Wardani Denok Sunarsi Denok Sunarsi Desvicka Tamianca Putri Dewi Anjani Sudrajat, Nikita Dian Pratiwi Diana Damayanti Dikdik S. Sadikin Dina Dwi Marinda Dinda Nurfira Rindiani Dita Krisdiyani Diva Sri Dhamayanti Donato, Alden Dustin Antonio Edi Komara Elsa Anna Natasya Enny Hariyanti Erric Wijaya Erric Wijaya, Erric Ervina Leonita Eugene Tjoa Putra Euginia Felicia Eva Yulianti Fahiya Arsy H Fahru Zaman Fajar Hertingkir Fajrian Angelo STIE Indonesia Banking School Fakhri, Muhammad Zulfikar Farah Safira Rachmayanti Fatimah Azzahra Auliyani Fatmawati, Erma Fauzan Danuwijaya Febby Yen Gunawan Felisita Sekar Larasati Ferenisyah Ardianto Ferenisyah Ardianto Ferli, Ossi Fidel Mervin Effendi Florencia Irena Florensia, Fernanda Frederick Amadeo Jonathan Genta Pamekas STIE Indonesia Banking School Ghaida Zhabira Gianina Benedicta Gilbert Giofflen Gita, Dea Sapta Glen Andrian Prawinata Gouwtama, Brian Gracella, Silvia Greisa Chairunnisa Gunawan, Dennis Andreas Gunawan, Farrel Alexander Habibi Mustofa Hadiah Fitriyah Hakim, Raditya Ikhsan Halim, Marchel Hansen Albertus Hansen Hansen Harianja, Stefan Haryanti, Enny Hasrulia Hasrulia Hermani, Ira Putri Hertingkir, Fajar Hilton, Johnatan Illona Hartanto Imam Fathur Rahman Indah Ratry Pandini Indah Salsa Noviyanti Indra Satria Utama Indria Ernaningsih Isabel, Angeliqe Ishadi, Muhammad Jansen Kalyano Tan Januar, Ahmad Javine Hagin Maengga Jemmy Jemmy Jennifer Huang Jericho Nathanael Jessica Audrey Jodista Patricia Jonathan Jonathan Jonathan Owen M Jonathan Widarta Josua Bagoes Adhi Nugroho Julia Sara Felita Justin Tan Juwita Amanda Kamila, Nadya Kanokwan Phimnoi Kayla Abbiegai Keisha Aulia Zahra Kenny Wellianto Kent Valentino Kevin Timothy Khairani, Zahra Komara, Edi Kosasih Lauren MI. Aidelin Lediana Sufina Leonaldo Jonathan Lie, Apricia Jocelyn Lifa, Vito Lisa Faradila Louis Halim Lubis, Maryam Asiah Lulu Meiliani Orlando Lydia Setiawan M. Bugo Vandori Madeliene, Excelcya Maharani, Adelya Vasya Mahardika Mandaris, Alfonsus Aryaveda Marcellino Christian Maria Jesica Octariani Marissa Grace Haque Marissa Grace Haque Marissa Grace Haque Marissa Grace Haque Marissa Grace Haque, Marissa Grace Marsyal Ananda Martiza, Annisa Dwimarya Masithah, Siti Nur Maulana Fadhil Mawarni, Nor Anisa Melisha Oktaviana Aisyah Meta Andriani Meta Andriani Michaela, Raissa Milka Abigail Soetadi Muhammad A Muhammad Emil Muhammad Fikri Azmi Muhammad Fikri Azmi Muhammad Irfan Fadhilah Daulay Muhammad Luthfi Haiban Nadya Putri Anjani Nasya Aurelia Susanto Natasya Natasya Nathan Aurelius Artha Nathania Gracia Christabella Navilia, Monica Nelmida, Nelmida Nesta Alvionita Ni Made Lestariani Ni Putu Mira Virgayanti Nicho Febrianto Nikita Dewi Anjani Sudrajat Nikita Putri Yuningsih Nila Amalia Nabila Novaristo Novaristo Novia Romadona Novita Lis Setiyawan Noviyanti, Indah Salsa Nugraheni, Searlina Nur Assyifa, Salsabila Nur Fadhilah Nur Oktaviani Nurhidayat, Maulana Furqon Nuri Wulandari, Nuri Nurul Luthfia Octora, Hanifa Olivia, Gabrielle Onari, Priscilla Yen Ongdy, Angelica Ossi Ferli Ossi Ferli Ossi Ferli Parlindungan, Rudi Samuel Pasha, Faradilla Patricia, Jesslyn Paulina Paulina Phiong, Michael Praditya Wibowo Priska Meliana Putra, Exan Adityatama Putra, Rama Aldian Putri Aisy Salma Putri Destania, Karina Putri, Annisa Fadilla Purnomo Putri, Vidiyanna Rizal Raden Bambang Budhijana Raden Roro Vemmi Kesumadewi Radithya, Gregorius Nara Raffael, Raffael Rahmah Syakbaniah Raka Hibatilllah Raka Hibatilllah Rampisela, Matthew Glorious Rana Nabila Rangga Lesmana Rasyid, Soelaeman Ratih Wulandari Ratna Komalasari, Ratna Rema Injani Milenia Resya Adia Pramesti Reynaldi, Reynaldi Riedmen Gifar Widagdo Rika Nabila Azzahra Ririn Riani Rofianto , Whony Rudi Samuel Rudi Samuel Parlindungan Salfa Firyal Ninada Sanjaya, Lili Sari, Lavenia Permata Saville, Ramadhona Savira, Izky Sayidina Emir Seichant Mardhira Sendjaja, Kenji Manuel Setiawan, Keila Marie Shakila Nur Azzah Afifa Shalsa Bella Putri Irawan Shandy Surya Lazuardy Sharon Miscal Pricilla Siham Madihah Silvia Ernawati Putri Simatupang, Batara Maju Sinta Ayu Ningrum Sisilya Fujiya Siti Kolila Slamet Widayanto Sparta, Sparta Stefany Elnick Stephanie Shiela C.S. Stephen, Yodi Suci Wulan Ramadhani Basumbul Sunarsi, Denok Surya Migel Sinurat Suryanto, Florencia Irena Suwisman, Marcel Frederick Tan, Daniel Farrell Tenyhardja, Hugo Joputra Thaulie, Lavinnia Dhammadinna Trismi, Jesslyn Valent Tansuri Valentino Valentino Vanes Irvan Nandes, Vanes Irvan Nandes Vanessa Augustin Vanessa Elvaretta Vellyta Vernanda, Louisa Vernando, Jose Veterina, Isbandini Vicky Aditya Vina Centiawan Vinco, Daniel Vip Paramarta Vito Lifa W, Lorenzo Daniel Wasi Bagasworo Wasi Bagasworo Wibowo, Praditya Wijaya, Benny Wijaya, Michele Wijaya, Samuel Jason Wijaya, Sherlynn Josephine Wina Hudoyo Yan Martawijaya Yeremias David Satya Yola Pangestu Anggraeni Yonatan Yunda Satria Putrandally Yunda Satria Yunda Satria Yunita Werdiningsih Zahwa Revalina Mulyana Zaid Muhammad Zaidan Zaid Muhammad Zaidan Zaidan, Zaid Muhammad Zelig Kenzie Kent Zulfiati, Dwi Putri ZULFISON, ZULFISON