JEL Classification: G01; G11; O51; O3 DOI: https://doi.org/10.31521/modecon.V36(2022)-16 Achmad Maulana, Doctor of Financial Management, Faculty of Economics, Sriwijaya University, Palembang ORCID ID: 0000-0003-0485-5578 e-mail: maulana25@unsri.ac.id Muchsin Saggaf Shihab, Doctor of Financial Management, Faculty of Economics, Sriwijaya University, Palembang ORCID ID: 0000-0002-7491-2040 e-mail: muchsinsaggaffshihab@fe.unsri.ac.id Rahmania Ananda Putri, postgraduate student of the Faculty of Economics, Sriwijaya University,Read more