Year of Publication : 2026Author: Mulyadi, H. B., Annisa, N. R., De La Croix, N. J., Ahmad, T., Mtonga, K., & Marcellin, N. HCollege: College of Business and Economics(CBE)Research Discipline: EconomicsPublication type: ArticlePublisher: ElsevierVolume: NAIssue: NAJournal Name: Array,