Zaerofi, Afif, Institut Agama Islam Tazkia Bogor (Indonesia)
Zubaid, Nanda Lismatiara, Fakultas Ekonomi dan Bisnis Universitas Airlangga (Indonesia)
Zubaidah, Siti, Universitas Airlangga Surabaya
Zulfikar, Rakhmat Muhammad, London Scholl of Economy (United Kingdom)

    

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