Saodin Saodin, (SINTA ID: 6760004), STIE Muhammadiyah Kalianda, Lampung

Ridho Bramulya Ikhsan, (Scopus ID : 57194767894, SINTA ID : 6017634), Universitas Bina Nusantara

Susi Indriyani, (SINTA ID : 107500), Universitas Mitra Indonesia

Agus Nurofik, (SINTA ID : 6661015), STIE Perdagangan Padang

Hadion Wijoyo, (SINTA ID: 6168953, Publon ID: 3255111, Garuda ID: 1534696,Orchid ID: 0000-0002-1421-0362, SCOPUS ID: 57219854851, Researcher ID: AAI-7415-2021) STMIK Dharmapala Riau, Indonesia

Musnaini Musnaini, (SINTA ID: 6041659), Universitas Jambi