The reviewer is from Aceh, to be precise, Kutacane, Southeast Aceh District. The author’s educational background can be described briefly: Bachelor’s degree was completed at the Dakwah Management Department of IAIN Ar-Raniry, Banda Aceh, in 2002. My Master’s degree was completed at USU in the PWD Masters Program in 2004, and my Doctoral degree was completed at UIN Sunan Kalijaga Islamic Economics Study Program in 2018. The author’s home base is currently at FEBI IAIN Lhokseumawe. The author has several awards in the world of writing related to economic studies, including being the second runner-up in the scientific writing competition for financial system stability in 2016, organized by Bank Indonesia, and has received an OJK iB Research Grant in 2015. The author also often becomes a speaker at national and international conferences, including The Annual International Conference on Islamic Studies (21st AICIS) in Denpasar, Bali, on 1-4 November 2022. The author is also active in several organizations, including as an administrator for Mata Garuda LPDP, namely as chairman research and innovation division 2020-2022, Member of ICMI City of Lhokseumawe, Member of KAHMI Aceh, Member of IAEI Aceh, Council of Experts MES Lhokseumawe City. As for his life motto: Believe in Effort Until.