Oleh : Vivin Maharani 1, Eka Afnan Troena 2 & Noermijati 2 bisa didownload di sini *1Graduate Program of Economic and Business Faculty, Brawijaya University Indonesia, State Islamic University of Maulana Malik Ibrahim Malang, Indonesia 2Management Department, Economic and Business Faculty of Brawijaya University, Indonesia Correspondence: Vivin Maharani, State Islamic University of Maulana Malik Ibrahim