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(1) Management Department, Faculty of Economics, School of Economics Al-Anwar, Mojokerto, Indonesia ,

(2) Management Department, Faculty of Economics, School of Economics Al-Anwar, Mojokerto, Indonesia ,

(3) Management Department, Faculty of Economics, School of Economics Al-Anwar, Mojokerto, Indonesia ,

(4) Sharia Law Department, Faculty of Islamic Studies and Arabic language, Al-Azhar University, Cairo, Egypt ,

(5) Management Science Doctoral Program, Faculty of Economics and Business, State Malang University, Malang, Indonesia ,

(6) Information Technology Department, Faculty of Computer Science, University of Brawijaya, Malang, Indonesia ,

(7) Shariah Economic Department, Faculty of Economics and Business, State Islamic Religious Institute, Kediri, Indonesia

(1) Islamic Economics Study Program, Faculty of Islamic Economics and Business, Islamic State University of Salatiga, Salatiga, Indonesia ,

(2) Islamic Economics Study Program, Faculty of Islamic Economics and Business, Islamic State University of Salatiga, Salatiga, Indonesia ,

(3) Islamic Economic and Finance Department, Istanbul Sabahatti Zaim University, Turkey

(1) Department of Management, Faculty of Economics, Al-Anwar School of Economics, Mojokerto, Indonesia ,

(2) Department of Management, Faculty of Economics, Al-Anwar School of Economics, Mojokerto, Indonesia ,

(3) Department of International Technology and Innovation Management, International Collage, Khon Kaen University, Khon Kaen, Thailand ,

(4) Department of International Technology and Innovation Management, International Collage, Khon Kaen University, Khon Kaen, Thailand ,

(5) Department of Informatika, Faculty of Economics and digital Business, University Bina Sehat PPNI, Mojokerto, Indonesia

(1) Department of Sharia Economics, Airlangga University, Surabaya, Indonesia ,

(2) Department of Zakat and Waqf Management, IAIN Kudus, Kudus, Indonesia ,

(3) Al-Neelain University, Khartoum, Sudan

(1) Islamic Finance and Wealth Management Institute (IFWMI), Faculty of Economics and Muamalat, Universiti Sains Islam Malaysia (USIM), Negeri Sembilan, Malaysia ,

(2) Islamic Finance and Wealth Management Institute (IFWMI), Faculty of Economics and Muamalat, Universiti Sains Islam Malaysia (USIM), Negeri Sembilan, Malaysia

(1) Departement of Islamic Economics, Universitas Muhammadiyah Yogyakarta, Yogyakarta, Indonesia ,

(2) Departement of Islamic Economics, Universitas Muhammadiyah Yogyakarta, Yogyakarta, Indonesia