The articles in this issue were authored/co-authored by 41 affiliated authors in 26 institutions from six countries (Indonesia, Nigeria, Thailand, Philippines, Timor Leste, and Malaysia).
Accreditation
TEMPLATE & GUIDELINES
TOOLS
CITATION ANALYSIS
SUPERVISED BY:
Published by the Finance and Banking Department, Faculty of Economics and Business (Program Studi Keuangan dan Perbankan, Fakultas Ekonomi dan Bisnis) Universitas Komputer Indonesia, Bandung, Indonesia
Jln. Dipati Ukur No. 112-114, Bandung, Indonesia 40132
Website: http://ojs.unikom.ac.id/index.php/jika
Email: jika@email.unikom.ac.id
This Journal is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12551_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12629_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12556_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12127_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12252_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12713_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12730_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12554_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12526_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12750_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12689_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12783_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12646_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12881_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})
![](https://ojs.unikom.ac.id/public/journals/17/a:2:{s:10:"uploadName";s:108:"a:2:{s:10:"uploadName";s:29:"article_12959_cover_en_US.png";s:12:"dateUploaded";s:19:"2025-04-04 13:10:58";}";s:12:"dateUploaded";s:19:"2025-04-04 13:12:04";})