Author is a lecturer in the Management Study Program, Faculty of Economics and Business, Universitas Sebelas Maret (FEB UNS), Indonesia. She completed her Master in Management at UNS and Université de La Rochelle, France, and is now pursuing her Ph.D. in finance at the School of Business and Economics Universiti Putra Malaysia (SBE UPM). She has research interests in Finance, Banking, and Islamic Finance, with numerous articles published in various journals. Her area of expertise is financial planning, and she holds the Certified Financial Planner (CFP) certification as well as being a member of the Financial Planning Standards Board (FPSB) Indonesia. In the area of capital markets, she is certified as a Registered Securities Analyst (RSA) and a member of the Indonesian Securities Analyst Association (AAEI Indonesia).
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