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Research Assistant and graduate from the Department of Economics, Faculty of Economics and Business, Universitas Gadjah Mada (FEB UGM). Faculty of Economics and Business, Universitas Gadjah Mada (FEB UGM), Jl. Sosio Humaniora No. 1, Bulaksumur, Caturtunggal, Depok, Sleman, Special Region of Yogyakarta, 55281, Indonesia; email: owen.alberto.liem@mail.ugm.ac.id.