First Author:   Jaka Sriyana Department of Economics, Universitas Islam Indonesia, Indonesia jakasriyana@uii.ac.id   Fakultas Ekonomi UII, Condongcatur, Depok,, Sleman Yogyakarta, 55283, Indonesia   +62-0274-881546(Phone) +62-0274-881546(Fax) www.uii.ac.id Second Author: Jiyao Joanna Ge School of Economics, University of Sydney, Australia jige6712@uni.sydney.edu.au   The University of Sydney NSW 2006, The University of Sydney NSW 2006 Sydney, Australia   +61 9351 5055(Phone)   https://sydney.edu.au/arts/schools/school-of-economics.html