Agusdiwana Suarni Faculty Economic and Business, Muhammadiyah Makassar University
PhD Student in Faculty of Economics and Muamalat (FEM) Universiti Sains Islam Malaysia (USIM) Indonesia
Mahmud Nuhung Faculty Economic and Business, Muhammadiyah Makassar University Indonesia
Syahrani Mutmainnah Faculty Economic and Business, Muhammadiyah Makassar University Indonesia