Subroto Rapih Department of Office Administration Education, Universitas Sebelas Maret, Indonesia   Jl. Ir. Sutami, No. 36A Jebres Surakarta, Jawa Tengah 57126 Indonesia   subrotorapih_89@staff.uns.ac.id             JEL Areas: G0 : Financial Economics: General G1 : General Financial Markets: General (includes Measurement and Data)