Arifuddin Arifuddin
(1), Wang Lita
(2), Sarkissian Catherine
(3), Schunk Yingxiang
(4)
(1)
Institut Ilmu Sosial dan Bisnis Andi Sapada, Indonesia,
(2)
National Bank of Belgium and Tilburg University, Netherlands,
(3)
National Tsing Hua University, Taiwan, Province of China,
(4)
University of Warwick, United Kingdom