Elly Widiani
https://unmas.ac.id/
Faculty of Economics and Business, Mahasaraswati Denpasar University
Indonesia

is a Master  Manajemen at Mahasaraswati University Denpasar, Indonesia. As professional in Health Insurance for more than 18 years, understand services in National Health Insurance Program in Indonesia. For now, works at BPJS Kesehatan (Social Security Administering Body for the Health Sector) as a Branch Manager in Klungkung, Bali, Indonesia.

I Gusti Agung Eka Teja Kusuma
https://unmas.ac.id/
Faculty of Economics and Business, Mahasaraswati Denpasar University
Indonesia

is an assistant professor of Management at Mahasaraswati University Denpasar, Indonesia. Has more than 7 years of work experience as Head of the Master of Management Study Program at the Postgraduate Program, Faculty of Economics and Business, Mahasaraswati University Denpasar, his main fields, marketing, service management, consumer behavior, Strategic Management, entrepreneurship, Various researches have been carried out, especially in the field of marketing, Hospitality, and entrepreneurship. https://orcid.org/0000-00002-2586-1750

I Wayan Widnyana
https://unmas.ac.id/
Faculty of Economics and Business, Mahasaraswati Denpasar University
Indonesia

is an assistant professor of Management at Universitas Mahasaraswati Denpasar, Indonesia. His research includes Finance management and entrepreneurship.