JEFMS Journal

¹Hussein Bresam Abeb, ²Hayat Jumaa Muhammed, ³Karrar Hameed Altaie

¹Faculty member in Imam Al- Kadhum College, University District, Kut, Wasit, 52001, Iraq

²Faculty member in College of Liberal Arts. University of Wasit, University District, Kut, Wasit, 52001, Iraq

³Faculty member in Dept. of Business Admin. –College of Admin. and Econ. University of Wasit, University District, Kut, Wasit, 52001, Iraq

¹I Putu Desi Ariani,² Ida Ayu Putu Widani Sugianingrat, ³ I Made Astrama

¹Student Of Magister Manajement Program on Faculty of Business and Tourism Economics, University Hindu Indonesia, Indonesia, Jl. Sangalangit, Penatih, Kec. Denpasar Timur, Kota Denpasar, Bali 80238

^2,3Faculty of Business and Tourism Economics, University Hindu Indonesia, Indonesia, Jl. Sangalangit, Penatih, Kec. Denpasar Timur, Kota Denpasar, Bali 80238

¹I Komang Dwi Yasa,² Ida Ayu Putu Widani Sugianingrat, ³I Made Astrama

¹Student Of Magister Manajement Program on Faculty of Business and Tourism Economics, University Hindu Indonesia, Indonesia, Jl. Sangalangit, Penatih, Kec. Denpasar Timur, Kota Denpasar, Bali 80238

^2,3Faculty of Business and Tourism Economics, University Hindu Indonesia, Indonesia, Jl. Sangalangit, Penatih, Kec. Denpasar Timur, Kota Denpasar, Bali 80238

¹Tessa Handra, ²Cicilia Sriliasta Bangun

¹Universitas Multimedia Nusantara

²Universitas Esa Unggul

¹Agus Tri BASUKI,²Ario Danu WICAKSANA

^1,2Universitas Muhammadiyah Yogyakarta Indonesia

Sulis Rochayatun

UIN Maulana Malik Ibrahim Malang - Indonesia

¹Albert Odhiambo, ²Naomi Koske, ³Patrick Limo

¹Department of Accounting and Finance, Moi University

³Department of Management Science and Entrepreneurship, Moi University

Larry R Frank Sr.

Registered Investment Adviser (California)
Better Financial Education, 300 Harding Blvd Suite 103D, Roseville, CA 95678

¹Erwin Hadisantoso, ²Nasrullah Dalli, ³Mulyati Akib,⁴ Harlianti

^1,2,3,4Halu Oleo University & Kendari, Indonesia

Meshack Ashibudike Anyakwu

Assistant Chief Lecturer with the Nigerian College of Accountancy, Jos

Maria Silvia Avi

Professor in Business Administration, Management Department- Ca’Foscari Venezia
S. Giobbe – Cannaregio 873- 30121 Venezia (Italy) ORCID ID: orcid.org/0000-0003-11164-4410

Pandji Sukmana

Universitas Krisnadwipayana
Campus Unkris Jatiwaringin PO BOX 7774/Jat CM Jakarta 13077, Indonesia

Dr. Parin Somani

Independent Academic Scholar

¹Sura Goverdhan,² Dr. M. Jeyakumaran

¹Research Scholar, Department of Business Administration, Annamalai University, Tamilnadu

²Research Supervisor, Associate Professor, Department of Business Administration, Annamalai University, Tamilnadu

Anyakwu Meshack Ashibudike

Nigerian College of Accountancy, Kwall, Jos, Plateau State, Nigeria.

¹Mei Sulfia Nurinda, ²Imam Mukhlis

¹Student of Economics and Development Department on Faculty of Economic and Business, State University of Malang (UM), Indonesia

²Economics and Development Department on Faculty of Economic and Business, State University of Malang (UM), Indonesia

¹Sukainah Hasan Saleh Alhebshi, ²Nur Aishah, ³Nashwan Ahmed Abdullah Al-Maswary

^1,2,3Faculty of Business, Economics and Social Development, Universiti Malaysia Terengganu, Terengganu, Malaysia

Do Hoai Linh

First Author, National Economics University, Vietnam

Christiana Afriyie Manu

Accra Technical University

Christiana Afriyie Manu

Accra Technical University

¹Dr. Maitri, ²Dr. Deepshikha Kalra

¹Associate Professor (Management), Area Chair-HR, OB , Graphic Era Deemed to be University Bell Road, Clement Town, Dehradun, Uttarakhand

²Professor, Management Education & Research Institute, Janakpuri, New Delhi.

¹Ronaldo Yolanda Putra, ²Lilik Wahyudi

^1,2Faculty of Economics and Business, Sebelas Maret University. Jl. Ir. Sutami, No. 36A, Jebres, Surakarta, Central Java, Indonesia 57126.

Dr. Ogbonna Udochukwu Godfrey

Department of Management Sciences, College of Management and Social sciences, Rhema University Aba, Nigeria.

¹Syarif Imam Hidayat, ²Mirza Andrian Syah,³ Adella Rachmasari

^1,2,3Department of Agribusiness, Faculty of Agriculture, Universitas Pembangunan Nasional “Veteran” Jawa Timur Rungkut Madya Street No.1, Gunung Anyar district, Surabaya, East Java, Indonesia, 60294

¹Hoediono Tommy Sutikno, ²Esy Nur Aisyah

^1,2UIN Maulana Malik Ibrahim Malang, Indonesia