Pantas H. Silaban
Master of Management Program, Graduate Program, University of HKBP Nommensen, Medan,
Indonesia

Wen-Kuo Chen
Department of Money and Banking, National Kaohsiung University of Science and Technology, Kaohsiung, Taiwan.

Bernard E Silaban
Department of Management, Nusantara Business Institute, Jakarta,
Indonesia

Andri Dayarana K. Silalahi
Management Program, Faculty of Economics and Business, University of HKBP Nommensen, Medan,
Indonesia

Ixora Javanisa Eunike
Master of Management Program, Graduate Program, University of HKBP Nommensen, Medan,
Indonesia

Hanna Meilani Damanik
Management Program, Faculty of Economics and Business, University of HKBP Nommensen, Medan,
Indonesia