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 Alexander, Angelina Alexio Manuelo Alvinnu, Alexandria AMALIA, ALVIEN NUR Amanda, Jennifer 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 Arsyad Aditya Arifin Artanti, Vania Fredline As-Syifa, Salsabila Nur Aulia Rahma Wahyudi Aurellius Krisna Putra Axton Axton Ayu Ochtavia Rohmah Azzahra Syahirra Babun Suharto Bani Saad Bani Saad STIE Indonesia Banking School Beatrice Ellena Kurniawan Bella Vista Bintang , Muhamad Fachry Pratama Brilian, Brilian Budhijana, Bambang Cahyani, Rizka Diah Carita, Herlina Reva Carnelius, Carnelius Carren Vivien Catherine Patricia Catur Nugrahani Celine Chow Celloni, Alexa Princie 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 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 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 Hariyanti, Enny Haryanti, Enny Hasrulia, Hasrulia 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 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 Keisha Aulia Zahra Kenny Wellianto Kent Valentino Kevin Timothy Khairani, Zahra Komara, Edi Kosasih Lauren MI. Aidelin Lediana Sufina Leonaldo Jonathan Lestariani, Ni Made Lie, Apricia Jocelyn Lifa, Vito Lisa Faradila 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 Michaela, Raissa Milka Abigail Soetadi Muhammad A Muhammad Emil Muhammad Emil Muhammad Fikri Azmi Muhammad Fikri Azmi Muhammad Irfan Fadhilah Daulay Muhammad Luthfi Haiban Mulyana, Zahwa Revalina Nadya Putri Anjani 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 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 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 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 Rochmawardani, Yullita 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 Setiawati, Asri Shakila Nur Azzah Afifa Shalsa Bella Putri Irawan Shandy Surya Lazuardy Sharon Miscal Pricilla 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 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 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 Yan Martawijaya Yeremias David Satya Yola Pangestu Anggraeni Yonatan Yunda Satria Putrandally Yunda Satria Yunda Satria Yunita Werdiningsih Zaid Muhammad Zaidan Zaid Muhammad Zaidan Zaidan, Zaid Muhammad Zelig Kenzie Kent Zulfiati, Dwi Putri ZULFISON, ZULFISON