I am a retired Senior Lecturer of Faculty of Economics and Business of University of Airlangga Surabaya. I used to work at Faculty of Economics of University of Surabaya, Catholic University of Widya Mandala Surabaya. I was one of the founder of University of Narotama in 1981 . In fact I spent more than 12 years to help STIE Perbanas Surabaya from 1988 until 2001. Being a Vice Chairman for Educational Affairs for 10 years and being the Chairman of that School of Economics for more than 3 years. Furthermore I have some important experiences. Among others was Commissioner of Amin Bank and being President Commissioner of Bank Pembiayaan Rakyat Syariah (BPRS BMI) since 1993 until nowadays. In
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