???? ?? ??????: ??????? ?? ??? ???? ????? ????? ???? ?? ?? ???? ????????? ?? ???? ??????: ??? ?? ???? ??? ?????? ???? ??? ????? ??? ??? ?? ?????? ????????? ?????? ????? ??????? ??????!The COVID-19 pandemic that has occurred up to now two several years has significantly impacted a lot of sectors, especially the financial sector. LAZISMU East Java is