JEL Classification: B26; G21; G32; 016; P34 DOI: https://doi.org/10.31521/modecon.V31(2022)-17 Putri Tika Tri, Master Student, Faculty of economics, Sriwijaya University, Palembang, Indonesia ORCID ID: 0000-0001-7962-0787 e-mail: tikatriputri@gmail.com Asngari Imam, Doctor (Economics), Lecturer at the Faculty of Economy, Sriwijaya University, Palembang, Indonesia ORCID ID: 0000-0003-1052-6359 e-mail: asngari71@gmail.com Malinda Shelfi, Doctor (Economisc), Lecturer at the Faculty of Management,Read more