B. Sagala, Geff, University of San Agustin, Iloilo City, Philippines Baladi, Nazish, Mehran University of Science and Technology, Department; Mehran University Institute of Science, Technology and Development, Jamshoro, SIndh, Pakistan Bio, Ertanto, Management Department, Faculty of Economics and Business Universitas Palangka Raya, Indonesia Boedirachminarni, Arfida, Universitas Muhammadiyah Malang Bukhari, Ahmad Saifuddin, Universitas Padjadjaran