JUMAD: Journal Management, Accounting, & Digital Business, covering aspects relating to Economics in both the latest applications and theories, under the auspices of the Universitas Panca Marga, Probolinggo, East Java, Indonesia. Published six times a year, in February, April, June, August, October, December. The development of economics currently has a significant impact both in theory, practice, and the latest economic development. JUMAD: Journal Management, Accounting, & Digital Business is intended as a forum for publishing scientific articles in the field of Economics: public economics, international economics, monetary economics, financial economics, health economics, labor economics and others related to economics. Business: finance, marketing, consumer behavior, human resource management, organizational behavior, strategic management, operations and innovation, entrepreneurship, ethics.