JEL Classification: H26; H71; L78; M12; M41 DOI: https://doi.org/10.31521/modecon.V27(2021)-21 Ramzuni Genta, Magister Student, Faculty of Economics, Sriwijaya University, Indonesia ORCID ID: 0000-0002-8761-5838 e-mail: genta.ramz@gmail.com Azwardi, Associate Professor, Faculty of Economics, Sriwijaya University, Indonesia ORCID ID: 0000-0003-0066-2445 e-mail: azwardi_unsri@yahoo.com Fuadah Luk Luk, Associate Professor, Faculty of Economics, Sriwijaya University, Indonesia ORCID ID: 0000-0003-2163-9471 e-mail: lukluk_fuadah@unsri.ac.id FactorsRead more