Justita Dura Institut Teknologi dan Bisnis Asia Malang   Jl. Soekarno Hatta Rembuksari 1A Malang, East Java 65142 Indonesia   justitadura@asia.ac.id             JEL Areas: N2 : Economic History: Financial Markets and Institutions: General, International, or Comparative G1 : General Financial Markets: General (includes Measurement and Data)