This volume consists of 5 articles with 9 authors from 5 universities in Indonesia, Malang Agricultural Institute, Bukittinggi State Islamic Institute, Bali Institute of Design and Business, Ekasakti University, Padang Banking and Development Finance STIE, Bukittinggi State Islamic University, and Prima Indonesia University.
Abstract views: 172, 
downloads: 95 
DOI :
https://doi.org/10.70076/simj.v1i3.41
Abstract views: 223, downloads: 117 DOI :
https://doi.org/10.70076/simj.v1i3.39
Abstract views: 1158, downloads: 651 DOI :
https://doi.org/10.70076/simj.v1i3.40
Abstract views: 111, downloads: 80 DOI :
https://doi.org/10.70076/simj.v1i3.42
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