Sulistyowati Sulistyowati,
Department of Sharia Banking, Faculty of Islamic Economics and Business, UIN Syekh Wasil Kediri, Kediri,
Indonesia
Yopi Yudha Utama,
Department of Sharia Accounting, Faculty of Islamic Economics and Business, UIN Syekh Wasil Kediri, Kediri,
Indonesia
Nunik Kurniatul Laila,
Department of Sharia Banking, Faculty of Islamic Economics and Business, UIN Syekh Wasil Kediri, Kediri,
Indonesia
Zulmi Ramdani,
Department of Psychology, Sosyal Bilimler Enstitüsü, Bursa Uludağ Üniversitesi, Bursa,
Turkey