Nur Muhammad
* Corresponding Author
https://scholar.google.com/citations?view_op=new_articles&hl=en&imq=Nur+Muhammad#

Universitas Indonesia
Indonesia

Muhammad, Nur holds the position of Analyst at the Strategic Management Unit of Lembaga Pengembangan Perbankan Indonesia (LPPI). Prior to his current role, he was involved in several other units within LPPI, including product marketing, Islamic finance training and consulting, and product research and development. He earned his master’s degree in 2024 in Science Management from Universitas Indonesia. His research interests include banking and finance. He has not yet published in academic journals, as his previous research at LPPI has primarily focused on internal use to support institutional development and strategic decision making

Author’s contact detail: Address: -; phone number: -; Email: nur.muhammad.a3@ gmail.com

Arief Wibisono Lubis
https://scholar.google.com/citations?user=erFKLCcAAAAJ&hl=id

Universitas Indonesia
Indonesia

Lubis, Arief Wibisono is an associate professor who also serves as the Chief of Internationalization Officer at the Faculty of Economics and Business, Universitas Indonesia. He was also Deputy Dean of Academic, Research, and Student Affairs, Head of Department of Management, and Director of Undergraduate Program in Management at the same institution. As a researcher, Arief has published his works in international peer-reviewed journals such as Journal of Small Business and En- trepreneurship, International Journal of Social Economics, and Journal of Financial Management of Property and Construction. He earned his Ph.D. degree in Development Studies from the University of Cambridge, UK in 2018. His research interests lie in the areas of Finance and Human Development.

Author’s contact detail: Address: -; phone number: -; Email: ariefwl@ui.ac.id