1 1 10 Samsi, Herlina Primary Author Mustafa, Mushar Additional Author Pontoh, Grace T. Additional Author Setiawan, Ganang Additional Author Nahumury, Joicenda Additional Author Widyadinata, Yofita Additional Author A.H., Laily WIndarti Additional Author Ahmar, Numala Additional Author WIjayanti, Herlina Additional Author Irwandi, Soni Agus Additional Author Kurniawan, Andry Additional Author Hendika, Fenny Additional Author Hudiwinarsih, Gunasti Additional Author Maryati, Eka Ratna Additional Author Ratna Sari, Maria M Additional Author Supadmi, Ni Luh Additional Author Puspaningrum, Mega Trianico Additional Author mixed material 20863802 Surabaya PPPM STIE Perbanas Surabaya 2014