International Journal of Applied Management and Business ISSN:2961-7367 is Peer-reviewed refereed journal aiming at engaging academicians as well as practitioners. Focus on the areas of economics, finance, banking, capital markets, takaful and law. Published in association with the Indonesian Association of Lecturers Researchers in Economics and Business (ADPEBI).  The aim of the Journal is to foster academic research by publishing original research articles that meet the highest analytical standards, and provide new insights that contribute and spread the business and Social Science knowledge.