Agus Herta Sumarto Universitas Mercu Buana   Jl. KUD No.35 RT.03 RW.05 Kel. Sudimara Jaya Kec. Ciledug Kota Tangerang, Banten 15151 Indonesia   agus.hertasumarto@mercubuana.ac.id             JEL Areas: G2 : Financial Institutions and Services: General C7 : Game Theory and Bargaining Theory:General