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All Journal JURNAL ECONOMIA The International Journal of Accounting and Business Society EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis Perspektif : Jurnal Ekonomi dan Manajemen Universitas Bina Sarana Informatika IJBE (Integrated Journal of Business and Economics) Kinerja: Jurnal Ekonomi dan Manajemen Akuntabel : Jurnal Ekonomi dan Keuangan Forum Ekonomi : Jurnal Ekonomi, Manajemen dan Akuntansi Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS JURNAL MANAJEMEN INDUSTRI DAN LOGISTIK Abdimas Dewantara MATAPPA: Jurnal Pengabdian Kepada Masyarakat Jurnal Penelitian dan Pengabdian Kepada Masyarakat UNSIQ Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Review Pendidikan dan Pengajaran (JRPP) International Journal of Economics, Business and Accounting Research (IJEBAR) Abdi Dosen : Jurnal Pengabdian Pada Masyarakat JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Community Development Journal: Jurnal Pengabdian Masyarakat Yumary: Jurnal Pengabdian kepada Masyarakat ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Jurnal Pengabdian kepada Masyarakat International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Journal of Education Research The International Journal of Politics and Sociology Research Journal Of Human And Education (JAHE) Jurnal Pendidikan Dasar dan Sosial Humaniora Journal of Innovation Research and Knowledge Jurnal Pengabdian Mandiri Media Ekonomi Media Bina Ilmiah DEDIKASI : Jurnal Pengabdian Kepada Masyarakat Jurnal Pengabdian Barelang Belalek Jurnal Pengabdian Masyarakat dan Riset Pendidikan Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Ilmiah Bisnis dan Ekonomi Asia (Jibeka) E-Amal: Jurnal Pengabdian Kepada Masyarakat Pelita : Jurnal Penelitian, Terapan dan Aplikatif International Journal of Islamic Finance (IJIF) International Journal of Social Sciences and Humanities Proceeding International Annual Conference Economics, Management, Business, and Accounting
Soeharjoto, Soeharjoto
Faculty Of Economics And Business, Universitas Trisakti, Jakarta, Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Transportation Other

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PERAN INVESTASI DAN PENGEMBANGAN SUMBER DAYA MANUSIA DENGAN PRINSIP ISLAM GUNA MENINGKATKAN PERTUMBUHAN EKONOMI DI INDONESIA Soeharjoto, Soeharjoto; Tribudhi, Debbie Aryani; Absoro, Heru; Mardani, Yhani; Indanarto, Aries
Jurnal Review Pendidikan dan Pengajaran Vol. 8 No. 1 (2025): Volume 8 No. 1 Tahun 2025
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v8i1.41721

Abstract

Pada saat ini, negara yang memiliki sumber daya manusia yang handal memiliki kemampuan untuk bersaing di pasar global. Hal ini, mengakibatkan semakin banyak negara yang berlomba-lomba untuk meningkatkan kualitas sumber daya manusianya. Namun. dalam mengembangkan kemampuan sumber daya manusianya di perlukan modal dan strategi. Dalam melaksanakan pengembangan sumber daya manusianya, perlu disesuaikan dengan kondisi masyarakat di Indonesia yang mayoritas beragama Islam. Penelitian ini dilakukan untuk mengetahui upaya apa yang dilakukan pemerintah dalam meningkatkan sumber daya manusia guna mempercepat pertumbuhan ekonomi nasional. Penelitian ini dilakukan dengan pendekatan metode kualitatif dan kuantitatif. Adapun hasilnya dalam merealisasikan pembangunan pemerintah perlu ditunjang dengan dana investasi terutama penanaman modal asing dan mengembangkan sumber daya manusia dengan melakukan kolaborasi antara pemerintah, swasta, dan lembaga pendidikan (triple helix model). Dalam mengembangkan pendidikan diterapkan prinsip Islam sehingga akan diperoleh sumber daya manusia yang kafa’ah, amanah, serta himmatul amal. Sumber daya manusia yang berkualitas dapat meningkatkan inovasi sehingga negara menghasilkan barang dan jasa yang dapat bersaing di pasar global. Peringkat Global Innovation Index Indonesia terus mengalami peningkatan selama 2019-2024, kecuali pada 2021. Hal ini, berdampak pada pertumbuhan ekonomi di Indonesia, sehingga memiliki rata-rata sebesar 3,4 persen pada 2019-2024, dengan nilai tertinggi pada 2022 sebesar 5,3 persen dan terendah pada 2020 sebesar -2,1 akibat dampak dari pandemi COVID-19.
Digital financial innovation's urgency for micro, small, and medium-sized entrepreneurs (an empirical case study of Indonesia) Lucky Nugroho; Timea Gal; Nirdukita Ratnawati; Soeharjoto; Audita Setiawan
Proceeding International Annual Conference Economics, Management, Business, and Accounting Vol. 1 (2023): Proceeding International Annual Conference Economics, Management, Business, and Accou
Publisher : IAEI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The development of information technology, computers, and the internet is something that cannot be avoided and has become part of daily activities, including trade transactions. Therefore, the purpose of this conceptual paper is to determine the role of financial technology in supporting trade transactions among micro, small, and medium entrepreneurs (MSMEs). The method used is descriptive-qualitative, which aims to answer the formulation of the problem consisting of (i) What is the role of financial technology in supporting digital trade; (ii) What are the benefits of financial technology for MSME business transactions? The results of this conceptual paper are: (i) the use of financial technology, also known as fintech, in supporting digital sales or e-commerce is very important in facilitating online shopping and accelerating business growth and digital trade; (ii) financial technology (FinTech) can provide many benefits for micro, small, and medium enterprises (MSMEs). The implication of this conceptual paper is to provide information and a reference for stakeholders who are concerned about MSMEs and financial technology. The novelty of this conceptual paper is that it discusses financial technology and its benefits for MSMEs, which are still rarely discussed
Muzakki's Determination In Paying Professional Zakat Through BAZNAS With Attitude As A Mediation Variable Wahyu Angko Saputro; Nirdukita Ratnawati; Soeharjoto Soeharjoto
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 2 (2025): April
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i2.6996

Abstract

This research was conducted to analyze muzakki's determination in paying professional zakat through the National Zakat Amil Agency (BAZNAS). The variables used refer to the Theory of Planned Behavior including Subjective Norm, Perceived Behavioral Control and Attitude then added with external variables namely Digitalization of Zakat which is one of the strategies to increase zakat receipts from BAZNAS and Religiosity where the Attitude variable is a mediating variable. The case study was conducted on professional zakat payments in DKI Jakarta Province. The study was conducted on employees from various institutions in the DKI Jakarta area using purposive sampling and obtained a total of 151 respondents. The data analysis technique uses the SEM-PLS method which aims to see the relationship between variables. Based on the results of the analysis using the SEM-PLS method, the first result was that digitalization of zakat and religiosity had a significant and positive effect on muzakki's intention to pay zakat income, while subjective norms and perceived behavioral control had no effect. Second, subjective norms, digitalization of zakat, and religiosity have a significant and positive effect on attitude, while perceived behavioral control has no effect. Third, attitude mediates the influence of subjective norms, digitalization of zakat, and religiosity on muzakki's intention to pay zakat on income, while regarding perceived behavioral control, attitude does not play a mediating role. This shows that attitude is one of the most important factors for individuals in paying zakat through BAZNAS.
Model Mediasi Surplus Underwriting pada Pengaruh Pendapatan dan Biaya terhadap Laba Asuransi Syariah Supriyadi, Teguh; Soeharjoto, Soeharjoto
ARBITRASE: Journal of Economics and Accounting Vol. 6 No. 3 (2026): March 2026
Publisher : Forum Kerjasama Pendidikan Tinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/arbitrase.v6i3.3134

Abstract

This study aims to analyze the effect of Contribution Income, Claim Expenses, and Operating Expenses on Islamic Insurance Profit, with Underwriting Surplus as a mediating variable. This research is motivated by the importance of financial performance and risk management in improving the profitability of Islamic insurance companies. Therefore, this study is conducted to examine both the direct and indirect effects among variables and to assess the role of underwriting surplus in shaping Islamic insurance profits. The research method employed is a quantitative approach using Structural Equation Modeling–Partial Least Square (SEM-PLS) analysis with the SmartPLS 4 application. The data used are secondary data obtained from the annual financial statements of Islamic insurance companies in Indonesia during the research period. The research variables include Contribution Income, Claim Expenses, and Operating Expenses as independent variables, Islamic Insurance Profit as the dependent variable, and Underwriting Surplus as the mediating variable. Model testing is carried out through the evaluation of path coefficients and R-square values to assess the simultaneous contribution of the variables. The results indicate that Contribution Income and Operating Expenses do not have a significant effect on Underwriting Surplus, while Claim Expenses have a positive and significant effect on Underwriting Surplus. Furthermore, with respect to Islamic Insurance Profit, Contribution Income and Claim Expenses have a positive and significant effect, whereas Operating Expenses and Underwriting Surplus do not have a significant effect. In addition, the mediation test results show that Underwriting Surplus does not play a significant mediating role in the relationship between Contribution Income, Claim Expenses, and Operating Expenses on Islamic Insurance Profit. These findings suggest that the profits of Islamic insurance companies are more directly influenced by contribution income and effective claim management.
Economic Growth And Carbon Emissions In Asean-6 To Achieve Sustainable Development Goals Through Kuznet Curve Environmental Analysis Approach Soeharjoto Soeharjoto; Nabila Inas Salma; Debbie Aryani Tribudhi; Lalu Masyhudi
Jurnal Manajemen Industri dan Logistik Vol. 6 No. 1 (2022): 10 original research articles were authored/co-authored by 40 authors from 4 co
Publisher : Politeknik APP Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30988/jmil.v6i1.972

Abstract

This study aims to determine carbon emissions in the Association of Southeast Asian Nations-6 (ASEAN-6) in achieving Sustainable Development Goals using the Kuznet environmental curve analysis approach. Used panel data regression method with carbon emissions as a dependent variable and Gross Domestic Product per capita, Squared Gross Domestic Product per capita, population, energy consumption and Sustainable Development Goals as independent variables. Used panel data from 2009-2018, samples taken from Singapore, Malaysia, Indonesia, Thailand, Philippines and Vietnam. Results are the suitable random effect model, with per capita Gross Domestic Product and energy consumption having a positive and significant effect on carbon emissions. In contrast, the squared Gross Domestic Product Per capita, population and Sustainable Development Goals have a negative and significant impact on carbon emissions. The Environmental Kuznet curve hypothesis has been proven in this area, although only Singapore has reached a turning point, so  ASEAN-6 will still experience in carbon emissions increase. For this reason, ASEAN-6 needs to implement sustainable development policies, family planning, environmentally friendly energy development, and coordination and seriousness in implementing the Sustainable Development Goals.
Financial And Macroeconomic Performance Effect On Net Interest Margins At Conventional Commercial Banks In Indonesia Soeharjoto Soeharjoto; Debbie Aryani Tribudhi; Husna Leila Yusran; Lalu Masyhudi
Jurnal Manajemen Industri dan Logistik Vol. 7 No. 1 (2023): 14 original research articles were authored/co-authored by 41 authors from 1 co
Publisher : Politeknik APP Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30988/jmil.v7i1.1015

Abstract

Banking is an intermediary institution that serves as the driving force of development in Indonesia. Sustainability this institutions depends on the profit derived from Net Interest Margin. However, in its development, bank is influenced by internal performance and macroeconomic conditions. Aims of this study is to determine influence of financial and macroeconomic performance on Net Interest Margin in conventional banking in Indonesia. Net Interest Margin used as dependent variable  and Operating Expenses and Operating Income, Loan to Deposit Ratio, interest rates, exchange rates as independent variable. Used regression method, and monthly time series data form financial services authority in 2017-2020. Loan to Deposit Ratio and interest rate have a positive and significant effect on Net Interest Margin while the exchange rate has a negative and significant effect to Net Interest Margin. However, Operating Expenses and Operating Income have not been shown to affect Net Interest Margin. If Banking performance improves, stable macroeconomic conditions, and regulations that support the banking sector, the Net Interest Margin conditions can be conducive
Determinan Pertumbuhan Agregat Aset Perusahaan Asuransi Syariah Pasca Spin-Off: Peran Mediasi Earning After Tax Deni Mukti Hidayat; Soeharjoto Soeharjoto
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 8 No. 6 (2026): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v8i6.12012

Abstract

This study aims to examine the determinants of aggregate assets in Islamic insurance companies in Indonesia by analyzing the effects of contribution income, investment returns, and cost efficiency, as well as evaluating the mediating role of earning after tax. The study employs a quantitative approach using panel data and applies the Fixed Effect Model (FEM) along with mediation analysis. The empirical results indicate that contribution income and cost efficiency have a positive and significant effect on aggregate assets, while investment returns and earning after tax do not have a direct significant effect. The mediation analysis reveals that earning after tax only mediates the relationship between cost efficiency and aggregate assets, but does not mediate the effects of contribution income or investment returns on aggregate assets. These findings suggest that asset growth in Islamic insurance companies is primarily volume-driven and efficiency-driven rather than profit-retention driven, as commonly assumed in conventional firm growth theory. Theoretically, this study contributes to the Islamic finance literature by proposing a more contextual aggregate asset model that reflects the structural characteristics of the Islamic insurance industry. Practically, the results emphasize the importance of strengthening contribution growth and operational efficiency strategies to support sustainable asset expansion in Indonesia’s Islamic insurance sector
Asuransi Syariah Digital sebagai Pilar Keberlanjutan Ekonomi Hijau dan Biru Berbasis Maqasid al-Shariah Soeharjoto Soeharjoto; Debbie Aryani Tribudhi; Deni Mukti Hidayat; Adi Rosyadi; Teguh Supriyadi; Saiful Ali
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 6 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i6.11284

Abstract

At this era, global economic development is shifting toward sustainable development. This phenomenon demands a financial system capable of managing long-term environmental risks to support the green and blue economic transformation. This research aims to conceptually examine the role of digital Islamic insurance as a strategic instrument in the sustainable Islamic economic and financial system. Conceptual qualitative is the method of this research, through a review and synthesis of literature on Islamic insurance, digital technology, green economy, blue economy, and maqasid al-shariah. The results show that digital sharia insurance is not only a technological innovation in the sharia insurance industry, but also functions as a sustainable risk mitigation infrastructure. Through risk-sharing mechanisms, increased Islamic financial inclusion, and adaptive protection against environmental and marine risks, in this case digital sharia insurance also supports green investment, strengthens the marine-based economy, and increases the resilience of vulnerable communities. The integration of digital technology and sharia principles further underscores the potential of digital Sharia insurance as an important pillar in a fair, inclusive, and long-term welfare-oriented Islamic financial system.
Mitigasi Risiko Usaha Mikro dan Kecil Berbasis Maqashid Syariah: Pengabdian Soeharjoto Soeharjoto; Deden Misbahudin Muayyad; Firdayetti; Debbie Aryani Tribudhi
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 5 No. 1 (2026): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 5 Nomor 1 (Juli 2026 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v5i1.6263

Abstract

Micro and Small Enterprises contribute significantly to strengthening inclusive economies and creating jobs. In reality, they still face complex business risks due to limited risk management capacity, especially those integrated with Sharia principles. This community service activity aims to enhance the literacy and risk mitigation capacity of Micro and Small Enterprises actors through an integrative and sustainable Maqasid Syariah-based approach. The participatory approach method is used by providing training and mentoring conducted at the Global Cahaya Nubuwwah Insani Foundation, Islamic Entrepreneurship Boarding School, in Neglasari Village, Darangdan District, Purwakarta Regency, West Java. Results of the activities show an improvement in the participants' ability to identify, analysis, and formulate risk mitigation strategies systematically from financial, operational, market, and Shariah aspects. Participants are also able to integrate the principles of Maqasid Syariah into business practices, particularly in ḥifẓ al-māl, ḥifẓ ad-dīn, ḥifẓ an-nafs, ḥifẓ al-‘aql, and ḥifẓ an-nasl. The main output of this activity is the formation of an adaptive and applicable risk mitigation model for Micro and Small Enterprises based on Maqasid Syariah. This activity has practical, academic, and policy implications in the development of a value-based risk management model to support the strengthening of a resilient, ethical, and competitive Sharia Micro and Small Business ecosystem in the modern economic era. The activities carried out face challenges such as time constraints, the heterogeneity of participants' education and literacy, access to digital technology, and resistance to changing business habits. Therefore, in the next program, these activities need to be conducted with a sustainable and adaptive approach.
Determination of the Value of Banking Companies in Indonesia with Profitability as a Mediation Variable Soeharjoto Soeharjoto; Debbie Aryani Tribudhi
International Journal of Social Sciences and Humanities Vol. 4 No. 2 (2026): International Journal of Social Sciences and Humanities
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi 45 Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/ijssh.v4i2.2089

Abstract

Purpose of this research is to analyze the influence of banking competition, the implementation of sustainable financial policies, with Net Interest Margin, Capital Adequacy Ratio, Loan to Deposit Ratio, Non-Performing Loan as control variables on the value of banking companies in Indonesia with profitability as a mediating variable and COVID-19 as a moderating variable. The sample was taken using purposive sampling with the criteria of banking stocks listed on the Indonesian Stock Exchange from 2018-2022. The research uses panel data regression with the unbalanced method. Results shown, Market Share, Herfindahl-Hirschman Index, Corporate Governance Index, Loans to Deposit Ratio, Non-Performing Loans, Market Share moderated by COVID-19, and Social Index moderated by COVID-19 were proven to have a negative and significant impact on Return on Assets. Economic Index, Environmental Index, Capital Adequacy Ratio, and Environmental Index moderated by COVID-19 were not proven to have a significant effect on Return on Asset. Social Index, Net Interest Margin, Herfindahl-Hirschman Index moderated by COVID-19, Economic Index moderated by COVID-19, and Corporate Governance Index moderated by COVID-19 were proven to have a positive and significant effect on Return on Asset. Return on Asset has been proven to have a positive and significant effect on Tobin’s Q, whereas Return on Asset moderated by COVID-19 has not been proven to have a significant effect on Tobin’s Q.
Co-Authors AA Hubur Absoro, Heru Acep R Jayaprawira Acep R. Jayaprawira Ade Irma Nurhasanah Adhy Purnama, Adhy Adi Rosyadi Adi Rosyadi Adi Rosyadi Akhmad Amien Mastur Alifia Silvi Fatiha Amran, Ellyana Apollo Apollo Ardiyanto Ardiyanto Asep Rovi Nurjaman Astrid, Elvana Bahtiar Usman BUDI SANTOSA Christina Dwi Astuti Damayanti, Mutia Melina Darwin Hasiholan Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debbie Aryani Tribudhi Deden Misbahudin Muayyad Deni Mukti Hidayat Deni Mukti Hidayat Deni Mukti Hidayat Dewi Nurri Setiawati Dewi, Agnes Panca Dian Octaviani Dini Hariyanti Elvana Astrid Endang Jumali Erny Tajib Faisal, Yusuf Fakri Jamil Fatik Rahayu Firdayetti, Firdayetti Gandhi Kuntoyudho Danova Harahap, Cicely Delfina Henny Setyo Lestari Heru Kurniawan Susilo Husna Leila Yusran Ida Busnetty Ida Busnetty Imam Zul Fikri Indanarto, Aries Jaeni Miftah Fatunijar Lalu Masyhudi Lin Oktris Lucky Nugroho Lutfi, Muh. Yudhi Lydia Rosintan Simanjuntak Mardani, Yhani Masfar Gazali Masni Salfinnia Masni Salfinnia Mitha Rachma Oktavia Moch Sabur Mona Adriana Patriyasa Muayyad, Deden Misbahudin Muhammad Fathurrahman Muhammad Zilal Hamzah Mutiara S Panggabean Mutiara Sibarani Panggabean Nabila Inas Salma Nazmel Nazir Nirdukita Ratnawati Nirdukita Ratnawati nirdukita ratnawati, nirdukita Nur Fadilah Nuraini Chaniago Nurlida Fatmikasari Putri, Alisa Noviani Ria Arni Fajriah Rinaldi Rustam Rizka Agustina Rizqullah Rizqullah Rizqullah, Rizqullah Roikhan Mochamad Aziz, Roikhan Mochamad Ronny Andesto Rosiyana Muunawaroh, Rosiyana Rustam, Rinaldi S, Lydia Rosintan Saiful Ali Saiful Ali Salma, Nabila Inas Santosa, Wahyuningsih Saputro, Wahyu Angko Setiawan, Audita Shafira Putri Salsabila Sisca Damayanti Slamet Wiyono Soeharjoto, Isamu Rafael Sofie Sumiyarti Sumiyarti Sumiyarti Sumiyarti Sumiyarti Susy Muchtar Susy Muchtar Syarifuddin Mabe Parenreng Syofriza Syofyan Tatik Mariyanti, Tatik Teguh Supriyadi Teguh Supriyadi Teguh Supriyadi Tia Fitriyani Timea Gal Tri Kunawangsih P Tri Wahyono Tribudhi, Debbie Aryani Tribudhi, Debble Aryani Ulfa Ulfa Wahyu Angko Saputro Yadi Supriyadi Yananto Mihadi Putra Yusran, Husna Leila