JEL Classification: H11; H19 DOI: https://doi.org/10.31521/modecon.V41(2023)-02 Bujang Ayu, Postgraduate Student, Faculty of Economy, Sriwijaya University, Palembang, Indonesia ORCID ID: 0000-0002-2129-6301 e-mail: bujangayu.unsri21@gmail.com Zunaidah, Doctor (Economics), Lecturer at the Faculty of Economy, Sriwijaya University, Palembang, Indonesia ORCID ID: 0000-0003-4368-2163 e-mail: zunaidah@unsri.ac.id Shelfi Malinda, Doctor (Economics), Lecturer at the Faculty of Economy, Sriwijaya University, Palembang, Indonesia ORCIDRead more