Malini, Helma, Tanjungpura University, Palangkaraya Mandalia, Siska, UIN Mahmud Yunus Batusangkar Martati, Indah , Business Administration Department, Samarinda State Polytechnic,Samarinda, Indonesia Muhammad, Alfian, Perbankan Syariah, IAIN Langsa, Indonesia Mustafa, Delly, Universitas Pejuang Republik Indonesia, Indonesia