Co-Authors Aaron Christian Abbiegai, Kayla 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 Alexa Princie Celloni Alexander, Angelina Alexio Manuelo Alvini Ariani Alvinnu, Alexandria Alyaa Alyaa AMALIA, ALVIEN NUR Amanda, Jennifer Amara Sahira Anastasia, Daniella Quinta Andani Artanti Yodani Andreas Candra Andrew Andriani, Meta Angel Avrilia Angela, Jeanever Vellycia Angelyn Panjaitan Angin, Pettia Weharima Perangin Annisa Nur Azima Zulfa Annisaa Leonida Regi Anthony, Bentrand Cornelius Ardelia, Flora Ardianto, Ferenisyah Ariesyah Pratiwi Arsyad Aditya Arifin Artanti, Vania Fredline Arzeti Tamianca Putri As-Syifa, Salsabila Nur Athaillah Rafi Sakhaa Aulia Rahma Wahyudi Aurellius Krisna Putra Axton Axton Ayu Ochtavia Rohmah Azzahra Syahirra Babun Suharto Bani Saad Bani Saad Bani Saad STIE Indonesia Banking School Beatrice Ellena Kurniawan Bella Vista Bintang Amanda Brilian, Brilian Budhijana, Bambang Cahyani, Rizka Diah Carita, Herlina Reva Carnelius, Carnelius Carren Vivien Catherine Patricia Catur Nugrahani Celine Chow Centiawan, Vina Chairunnisa, Greisa Changgasukha, Arya Charles Frederic Lutmand Bir Chelsea Angela Chen, Liviaxander Cherard, Federico Christian, Marcellino Christie Natania Harjono Clarence, Andreas Clarrise Michelle Effendi Claudius Kristian Hery Cynthia Kamal Della Vista Delvin Brelyan Deni Wardani Denok Sunarsi Denok Sunarsi Desvicka Tamianca Putri Dewi Anjani Sudrajat, Nikita Dhea Nur Wahdah Dian Pratiwi Diana Damayanti Dikdik S. Sadikin Dina Dwi Marinda Dinda Nurfira Rindiani Dita Krisdiyani Diva Sri Dhamayanti Donato, Alden Dustin Antonio Edi Komara Elnick, Stefany Elsa Anna Natasya Ernaningsih, Indria 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 Farrel Alexander Gunawan Fatimah Azzahra Auliyani Fatmawati, Erma Fauzan Danuwijaya Febby Yen Gunawan Felisita Sekar Larasati Ferenisyah Ardianto Ferenisyah Ardianto Ferli, Ossi Fidel Mervin Effendi Florencia Irena Florencia Irena Suryanto Florensia, Fernanda Frederick Amadeo Jonathan Gabriella Septalia Konda Genta Pamekas STIE Indonesia Banking School Ghaida Zhabira Gianina Benedicta Gilbert Giofflen Gita, Dea Sapta Glen Andrian Prawinata Gouwtama, Brian Greisa Chairunnisa Gunawan, Dennis Andreas Habibi Mustofa Hadiah Fitriyah Hakim, Raditya Ikhsan Halim, Marchel Hansen Albertus Hansen Hansen Harianja, Stefan Hariyanti, Enny Haryanti, Enny Hasrulia, Hasrulia Herlina Reva Carita Hermani, Ira Putri Hertingkir, Fajar Hilton, Johnatan Illona Hartanto Imam Fathur Rahman Indah Ratry Pandini Indra Satria Utama Isabel, Angeliqe Ishadi, Muhammad Jansen Kalyano Tan Januar, Ahmad Javine Hagin Maengga Javine Hagin Maengga Jemmy Jemmy Jennifer Huang Jericho Nathanael Jessica Audrey Jodista Patricia Jonathan Jonathan Jonathan Owen M Josua Bagoes Adhi Nugroho Julia Sara Felita Justin Tan Juwita Amanda Kamila, Nadya Kayla Aryani Putri Nugroho Kayla Ramadhani Keisha Aulia Zahra Kenny Wellianto Kent Valentino Kevin Timothy Khairani, Zahra Khairunnisa Nur Azizah Komara, Edi Kosasih Lauren MI. Aidelin Lediana Sufina Leonaldo Jonathan Lestariani, Ni Made Lie, Apricia Jocelyn Lifa, Vito Lisa Faradila Liviana Putri Widianto Louis Halim Lubis, Maryam Asiah Lulu Meiliani Orlando Lydia Setiawan M. Bugo Vandori Madeliene, Excelcya Madihah, Siham Maharani, Adelya Vasya Mahardika Mandaris, Alfonsus Aryaveda Maria Jesica Octariani Marissa Grace Haque Marissa Grace Haque Marissa Grace Haque, Marissa Grace Marsyal Ananda Martiza, Annisa Dwimarya Masithah, Siti Nur Maulana Fadhil Mawarni, Nor Anisa Meliana, Priska Melisha Oktaviana Aisyah MIFTAHUL JANNAH Milka Abigail Soetadi Miranda Herdia Nova Muhamad Fachry Pratama Bintang Muhammad A Muhammad AlZidan Herdiansyah Muhammad Bagas Ardhianto Muhammad Emil Muhammad Emil Muhammad Fikri Azmi Muhammad Iqbal Jehansyah Muhammad Irfan Fadhilah Daulay Muhammad Luthfi Haiban Muhammad Raihan Khadavi Mulyana, Zahwa Revalina Mutiya Riszki Awalia Nadia Atika Sari Nadya Putri Anjani Nadya Vidiapati Ganiswarna Namira Nur Fajriyyah Nasya Aurelia Susanto Natasya Natasya Nathan Aurelius Artha Nathania Gracia Christabella Navilia, Monica Nelmida, Nelmida Nesta Alvionita 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 Nuansa Khatulistiwa Nugraheni, Searlina Nur Assyifa, Salsabila Nur Fadhilah Nur Oktaviani Nurhidayat, Maulana Furqon Nuri Wulandari, Nuri Nurisnaini Ashuratirana Nurul Luthfia Octora, Hanifa Olivia, Gabrielle Onari, Priscilla Yen Ongdy, Angelica Panjaitan, Angelyn Panjaitan, Anjelya Parlindungan, Rudi Samuel Pasha, Faradilla Patricia, Jesslyn Paulina Paulina Phimnoi, Kanokwan Phiong, Michael Pracoyo, Antyo Praditya Wibowo Putra, Exan Adityatama Putra, Rama Aldian Putri Aisy Salma Putri Destania, Karina Putri, Annisa Fadilla Purnomo Putri, Silvia Ernawati Putri, Vidiyanna Rizal Raden Bambang Budhijana Raden Roro Vemmi Kesumadewi Radithya, Gregorius Nara Raffael, Raffael Rahmad Mardianto Rahmah Syakbaniah Raissa Michaela Raka Hibatilllah Raka Hibatilllah Rampisela, Matthew Glorious Rana Nabila Rangga Lesmana Rasyid, Soelaeman Ratih Wulandari Ratna Komalasari, Ratna Rema Injani Milenia Renata Zahra Resya Adia Pramesti Retno Tiara Wulandari Reynaldi Reynaldi Riedmen Gifar Widagdo Rika Nabila Azzahra Ririn Riani Rochmawardani, Yullita Rofianto , Whony Rudi Samuel Rudi Samuel Parlindungan Salfa Firyal Ninada Sanjaya, Lili Sari, Lavenia Permata Sausan Nabila Saville, Ramadhona Savira, Izky Sayidina Emir Seichant Mardhira Sendjaja, Kenji Manuel Setiawan, Keila Marie Setiawati, Asri Shakila Nur Azzah Afifa Shalsa Bella Putri Irawan Shandy Surya Lazuardy Sharon Miscal Pricilla Silvia Gracella 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 Suhaimi, Abdulloh Sunarsi, Denok Surya Migel Sinurat Suwisman, Marcel Frederick Syifa Amelia 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 Vinco, Daniel Vip Paramarta Vito Lifa W, Lorenzo Daniel Wardani, Deni Wasi Bagasworo Wasi Bagasworo Wibowo, Praditya Widarta, Jonathan Wijaya, Benny Wijaya, Michele Wijaya, Samuel Jason Wijaya, Sherlynn Josephine Wina Hudoyo Wulan Wiranatakusumah Yan Martawijaya Yeremias David Satya Yola Pangestu Anggraeni Yonatan Yunda Satria Putrandally Yunda Satria Yunda Satria Yunita Werdiningsih Zahrotusita Zahrotusita Zaid Muhammad Zaidan Zaid Muhammad Zaidan Zaidan, Zaid Muhammad Zelig Kenzie Kent Zulfiati, Dwi Putri ZULFISON, ZULFISON