Jambulingam, Manimekalai , Taylor’s Business School, Taylor’s University, Selangor, Malaysia
Janah, Mirta Ulfah Rufi Widya , Sharia Banking Departement, Faculty of Economics and Islamic Business, Raden Mas Said State Islamic University Surakarta, Indonesia
Jassin, Rivcy, Master of Accounting, Faculty of Economics and Business, University of Sam Ratulangi Manado, Manado, Indonesia
Jimmy, So Yohannes , Technology Management Department, Universitas Multimedia Nusantara, Banten, Indonesia
Johannes, Joy, School of Business and Management, Petra Christian University, Surabaya, Indonesia

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