Dessy Evianti
(1), Muhammad Yusuf
(2), Lisdawati Lisdawati
(3), Teddy Oswari
(4), Ahmed Al-Fahad
(5)
(1)
Institut Bisnis dan Informatika Kesatuan, Indonesia,
(2)
Institut Ilmu Sosial dan Manajemen STIAMI (Institut STIAMI) Jakarta, Indonesia,
(3)
Universitas Bung Karno, Indonesia,
(4)
Universitas Gunadarma, Indonesia,
(5)
King Saud University, Saudi Arabia