Doddy Ariefianto Bina Nusantara University   Kampus Anggrek Jl Kebun Jeruk Raya No. 27 Jakarta Barat Jakarta, Jakarta 11530 Indonesia   moch.areifianto@binus.edu   www.Binus.ac.id           JEL Areas: G2 : Financial Institutions and Services: General G3 : Corporate Finance and Governance: General