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All Journal El Dinar Nurani: Jurnal Kajian Syariah dan Masyarakat Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Pendas : Jurnah Ilmiah Pendidikan Dasar JURNAL PENDIDIKAN TAMBUSAI Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Zhafir | Journal of Islamic Economics, Finance, and Banking eCo-Buss Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah MALIA: Journal of Islamic Banking and Finance Bertuah : Jurnal Syariah dan Ekonomi Islam Jurnal Ekonomi Rabbani EKSYA: Jurnal Ekonomi Syariah Jurnal Riset Manajemen dan Akuntansi (JURIMA) Al Fiddhoh: Journal of Banking, Insurance, and Finance Journal of Social And Economics Research Abdi Cendekia: Jurnal Pengabdian Masyarakat International Journal of Economics (IJEC) Jurnal Perbankan Syariah Darussalam (JPSDa) Journal of Student Research Transformasi: Journal of Economics and Business Management Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Jurnal Publikasi Ilmu Manajemen J-ISACC : Journal of Islamic Accounting Competency Maliki Islamic Economics Journal Jurnal Manajemen Keuangan Syariah Jurnal Kajian Dan Penalaran Ilmu Manajemen AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal Ilmiah Ekonomi dan Manajemen Nian Tana Sikka: Jurnal Ilmiah Mahasiswa Jurnal Sains Student Research Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah Ebisnis Manajemen Journal Economic Excellence Ibnu Sina Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Santri : Jurnal Ekonomi dan Keuangan Islam JIMEB: Jurnal Ilmiah Manajemen, Ekonomi dan Bisnis Jurnal Inovasi Ekonomi Syariah dan Akuntansi JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Margin : Journal of Islamic Banking Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah journal of social and economic research BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Jurnal Ilmiah Manajemen Dan Kewirausahaan MUARA EKONOMI : Jurnal Ilmiah Ilmu Ekonomi, Manajemen & Bisnis ICONS Share
Erwin Saputra Siregar
UIN Sulthan Thaha Saifuddin Jambi
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Non-compliance in the Distribution and Management of Zakat: An Islamic Legal Perspective Sucipto, Sucipto; Adawiah, Rabiatul; Subhan, Muhammad; Siregar, Erwin Saputra
Nurani Vol 25 No 2 (2025): Nurani: jurnal kajian syari'ah dan masyarakat
Publisher : Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/nurani.v25i2.27984

Abstract

This study investigates the operations of unlicensed zakat institutions, with particular attention to problems such as the absence of accountable reporting, the misallocation of zakat funds away from legitimate beneficiaries (mustahik), and the emergence of fraudulent claimants (jockeys). This study adopts a qualitative approach with an exploratory design to understand the phenomenon of zakat institutions' non-compliance with sharia principles, particularly in the context of legality and governance. The findings reveal structural and operational shortcomings contributing to non-compliance and misalignment with existing policies. The study advocates a shift in research orientation from predominantly ritualistic dimensions toward justice-oriented and religiously humanist policy frameworks. It emphasizes the need to prioritize equitable distribution over technocratic classifications of mustahik while resisting communal or political domination, particularly in political networks. The politicization of zakat, particularly in the context of the 2024 election, has undermined its spiritual and social objectives. Ensuring compliance with sharī‘ah principles is therefore crucial for establishing legal certainty, strengthening public trust, and enabling zakat to realize its full potential as a transformative instrument for community empowerment in Indonesia.
ANALISIS MISPERSEPSI MASYARAKAT TERHADAP BANK SYARIAH (STUDI PADA KELURAHAN RAWASARI KECAMATAN ALAM BARAJO KOTA JAMBI) Dina Meiranda; , Erwin Saputra Siregar
ICONS: Islamic Economics Journal Vol. 3 No. 1 (2026): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v3i1.5817

Abstract

  This study aims to analyze public misperceptions toward Islamic banks and the social, cultural, and economic factors influencing them in Rawasari Village, Jambi City. The research employs a qualitative method with a case study and phenomenological approach, using interviews, observations, and documentation, analyzed through data reduction, data presentation, and conclusion drawing validated by triangulation. The results show that most residents still have a low understanding of the concepts and products of Islamic banking, with misperceptions such as assuming that Islamic banks are no different from conventional banks due to administrative fees, and doubts about the halal operations of Islamic banks caused by a lack of transparent information. The main contributing factors include low Islamic financial literacy, social environment influences, cultural stereotypes, and limited access to accurate information. These findings are expected to serve as a reference for Islamic banks, the government, and stakeholders in formulating educational strategies to enhance public understanding and interest in Sharia-based financial services.
ANALISIS MINTA MASYARAKAT KECAMATAN PEMENANG BARAT DALAM MENGGUNAKAN BANK SYARIAH Nurhayati; Erwin Saputra Siregar
ICONS: Islamic Economics Journal Vol. 3 No. 1 (2026): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v3i1.5819

Abstract

This study aims to analyze the interest of the community in Pemenang Barat District in using Islamic banking services. The research employed a qualitative approach with data collected through in-depth interviews with local residents. The findings indicate that the community’s interest is influenced by several key factors, including their level of knowledge regarding Islamic banking principles, prior experiences with sharia-compliant products, the religious values they uphold, and social support from their environment. Furthermore, service accessibility and outreach efforts by Islamic banks also play significant roles in enhancing community interest. Based on these findings, it is expected that Islamic banks will intensify educational initiatives and expand service coverage so that more people will  be  encouraged  to  shift  to  the  Islamic  banking  system.
PENGARUH KUALITAS LAYANAN DAN FITUR BSI MOBILE TERHADAP KEPUASAN PENGGUNA DI KALANGAN MAHASISWA UIN SULTHAN THAHA SAIFUDDIN JAMBI Hamidah Suci Rahmadani; Erwin Saputra Siregar
ICONS: Islamic Economics Journal Vol. 3 No. 1 (2026): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v3i1.5825

Abstract

This study aims to determine the effect of service quality and feature preferences on BSI Mobile user satisfaction among students at UIN Sulthan Thaha Saifuddin Jambi. The method used was a quantitative study with an associative approach, with data analysis using Partial Least Squares-Structural Equation Modeling (PLS-SEM) using SmartPLS software. The study sample consisted of 175 respondents. The results showed that BSI Mobile service quality had a positive and significant effect on user satisfaction. The higher the perceived service quality, the higher the level of student satisfaction. BSI Mobile features were also shown to significantly influence user satisfaction, with useful, easy-to-use, secure, and visually appealing features providing a positive user experience. Simultaneously, BSI Mobile service quality and features significantly influenced user satisfaction, contributing 39.1%, while the remainder was influenced by other factors outside the study. The findings of this study are expected to provide input for Bank Syariah Indonesia to continuously improve service quality and develop digital features to increase user satisfaction and loyalty, particularly among students, a potential segment.
Fraud at Islamic Commercial Banks in Indonesia is Seen in Good Corporate Governance (GCG) and a Whistle-Blowing System Siregar, Erwin Saputra; Sari, Gusmila; Arsa, Arsa
MALIA: Journal of Islamic Banking and Finance Vol 6, No 2 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i2.14627

Abstract

This article discusses the dynamics of internal irregularities in Islamic commercial banks in Indonesia. This paper uses secondary data for 2017-2020, published annually by Islamic commercial banks. The sample of this study consisted of 10 Islamic commercial banks, which were determined based on the criteria and the availability of existing data. The data analysis is in the form of panel data regression analysis with the help of eviews and excels applications. This study indicates that partially the proportion of independent commissioners has a significant positive effect on fraud, and the variable number of audit committee meetings and the whistle-blowing system has no significant adverse effect on fraud. While simultaneously, the variable of good corporate governance with indicators of the proportion of independent commissioners, the number of audit committee meetings, and the whistle-blowing system have a significant positive effect on fraud in Islamic commercial banks in Indonesia for the 2017-2020 period.
Contract-Specific Effects of Fintech on Islamic Financing Profitability Erwin Saputra Siregar; Fitri Sagantha; M. Taufik Ridho; Rohaiza Kamis; Intan Rizkiana
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 15 No. 1 (2026)
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.0011

Abstract

As Islamic banks continue to expand their financing activities and accelerate digital transformation, understanding how different financing contracts contribute to profitability has become increasingly important. This study examines the effects of Islamic financing contracts on the net profit of Islamic banks and investigates whether fintech moderates these relationships. The analysis covers six financing contracts: murabahah, mudharabah, musyarakah, ijarah, istishna', and qardh. Using a quantitative explanatory design, the study employs monthly aggregate data from the Indonesian Islamic Banking Statistics published by the Financial Services Authority (OJK) from January 2015 to December 2024. Fintech is proxied by operational expenditure efficiency, and the hypotheses are tested using Moderated Regression Analysis (MRA). The findings reveal that the profitability effects of Islamic financing differ across contract types. Mudharabah financing is associated with a significant negative effect on net profit, whereas istishna' financing has a significant positive effect. In contrast, murabahah, musyarakah, ijarah, and qardh financing do not significantly influence net profit. The results further show that fintech strengthens the relationship between istishna' financing and net profit but does not significantly moderate the effects of the other financing contracts. These findings suggest that the contribution of fintech to profitability depends on the characteristics of individual contracts, particularly their operational complexity, monitoring intensity, and risk profile. This study contributes to the Islamic banking literature by highlighting the contract-specific role of fintech and suggests that digitalization efforts should be prioritized in financing activities that require intensive monitoring and project management, especially istishna' financing. ABSTRAK - Pengaruh Spesifik Fintech terhadap Profitabilitas Pembiayaan Syariah Berdasarkan Akad. Perkembangan pesat perbankan syariah dan teknologi keuangan (financial technology atau fintech) menimbulkan pertanyaan penting mengenai bagaimana berbagai akad pembiayaan syariah berkontribusi terhadap profitabilitas bank serta sejauh mana inovasi teknologi mampu meningkatkan efektivitasnya. Penelitian ini bertujuan menganalisis pengaruh akad pembiayaan syariah terhadap laba bersih bank syariah serta menguji peran fintech sebagai variabel moderasi dalam hubungan tersebut. Analisis difokuskan pada enam akad pembiayaan, yaitu murabahah, mudharabah, musyarakah, ijarah, istishna', dan qardh. Penelitian menggunakan pendekatan kuantitatif eksplanatori dengan data agregat bulanan yang bersumber dari Statistik Perbankan Syariah Indonesia yang diterbitkan oleh Otoritas Jasa Keuangan (OJK) selama periode Januari 2015 hingga Desember 2024. Fintech diproksikan melalui efisiensi biaya operasional, sedangkan pengujian hipotesis dilakukan menggunakan Moderated Regression Analysis (MRA). Hasil penelitian menunjukkan bahwa pengaruh pembiayaan syariah terhadap laba bersih bersifat heterogen antarakad. Pembiayaan mudharabah berpengaruh negatif signifikan terhadap laba bersih, sedangkan pembiayaan istishna' berpengaruh positif signifikan. Sebaliknya, pembiayaan murabahah, musyarakah, ijarah, dan qardh tidak menunjukkan pengaruh yang signifikan. Temuan penelitian juga menunjukkan bahwa fintech hanya memperkuat hubungan antara pembiayaan istishna' dan laba bersih, sementara tidak memoderasi hubungan pada akad lainnya. Hasil ini mengindikasikan bahwa efektivitas fintech bergantung pada karakteristik operasional, kebutuhan pengawasan, dan struktur risiko masing-masing akad pembiayaan. Penelitian ini berkontribusi pada literatur perbankan syariah dengan menunjukkan bahwa peran fintech dalam meningkatkan profitabilitas bersifat spesifik terhadap akad tertentu, bukan berlaku secara universal. Oleh karena itu, bank syariah perlu mengarahkan strategi digitalisasi secara lebih terfokus pada pembiayaan yang memiliki kompleksitas operasional dan kebutuhan monitoring yang tinggi, terutama pembiayaan istishna'.
Literasi Masyarakat Terhadap Zakat Pertanian Kebun Kelapa Sawit di Desa Sumber Jaya Kecamatan Kumpeh Ulu Kabupaten Muaro Jambi Nurmita Nurmita; Erwin Saputra Siregar; Khusnul Istiqomah
Abdi Cendekia : Jurnal Pengabdian Masyarakat Vol 5 No 2 (2026): Juni
Publisher : Yayasan Zia Salsabila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61253/abdicendekia.v5i2.865

Abstract

Penelitian ini bertujuan untuk mengetahui dan menganalisis literasi masyarakat terhadap zakat pertanian kebun kelapa sawit di Desa Sumber Jaya, Kecamatan Kumpeh Ulu, Kabupaten Muaro Jambi. Zakat pertanian, khususnya dari hasil perkebunan kelapa sawit, memiliki potensi besar dalam meningkatkan kesejahteraan masyarakat dan mengurangi kesenjangan ekonomi. Namun, dalam praktiknya masih ditemukan rendahnya pemahaman masyarakat terkait kewajiban zakat, baik dari segi konsep, perhitungan nisab, waktu pengeluaran, maupun mekanisme penyalurannya. Penelitian ini menggunakan metode kualitatif dengan pendekatan deskriptif-fenomenologis. Data dikumpulkan melalui wawancara mendalam, observasi, dan dokumentasi. Analisis dilakukan melalui reduksi data, penyajian data, dan penarikan kesimpulan secara sistematis. Hasil penelitian menunjukkan bahwa literasi masyarakat terhadap zakat pertanian kebun kelapa sawit masih tergolong rendah. Masyarakat cenderung memahami zakat hanya sebatas zakat fitrah, sementara zakat hasil perkebunan kelapa sawit sering disamakan dengan infak atau sedekah. Faktor-faktor yang memengaruhi rendahnya literasi antara lain kurangnya sosialisasi dari lembaga zakat, keterbatasan pengetahuan keagamaan, kondisi ekonomi yang tidak stabil, serta belum adanya lembaga pengelola zakat aktif di tingkat desa.
Pengaruh Return On Assets dan Good Corporate Governance Terhadap Nilai Perusahaan Pada Sektor Perdagangan Jasa dan Investasi Terdaftar di ISSI Asna Arianti; Usdeldi Usdeldi; Erwin Saputra Siregar
Journal of Islamic Accounting Competency Vol. 4 No. 2 (2024): J-ISACC (Journal Of Islamic Accounting Competency)
Publisher : Prodi Akuntansi Syariah UIN Sulthan Thaha Saifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/jisacc.v4i2.2746

Abstract

Tujuan penelitian ini yaitu untuk mengetahui pengaruh ROA dan GCG terhadap nilai perusahaan pada sektor perdagangan jasa dan investasi. Sampel pada penelitian ini adalah 10 perusahaan dan menggunakan teknik purposive sampling. Teknik analisis data yang digunakan yaitu analisis regresi data panel. Hasil penelitian menunjukkan bahwa pada uji t ROA berpengaruh signifikan terhadap nilai perusahaan dan GCG tidak berpengaruh signifikan terhadap nilai perusahaan. Hasil uji F kedua variabel yaitu ROA dan GCG tidak berpengaruh secara simultan terhadap nilai perusahan. Hal ini dikarenakan ROA berfokus pada efisiensi finansial dan kinerja jangka pendek, sedangkan kepemilikan manajerial berhubungan lebih pada keputusan strategis dan kebijakan perusahaan. Sehingga ada kemungkinan bahwa pengaruh masing-masing variabel saling menetralkan ketika dilihat secara bersama-sama.
Pengaruh Kualitas Produk, Keragaman Produk Dan Harga Terhadap Keputusan Pembelian Thrifting Pada Gen Z di Toko Caesa Store Kota Jambi Maslikah Istiana; Erwin Saputra Siregar
Jurnal Pendidikan Tambusai Vol. 10 No. 1 (2026)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas produk, keragaman produk, dan harga terhadap keputusan pembelian thrifting pada Generasi Z di Toko Caesa Store Kota Jambi. Fenomena meningkatnya minat anak muda terhadap thrifting menunjukkan adanya perubahan perilaku konsumsi yang lebih mempertimbangkan gaya, kualitas, dan keterjangkauan harga. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Data dikumpulkan melalui penyebaran kuesioner kepada responden Generasi Z yang pernah berbelanja di Caesa Store. Teknik analisis data menggunakan Partial Least Square melalui aplikasi SmartPLS 4. Hasil penelitian menunjukkan bahwa kualitas produk dan harga berpengaruh signifikan terhadap keputusan pembelian, sedangkan keragaman produk tidak berpengaruh signifikan secara parsial. Secara simultan, kualitas produk, keragaman produk, dan harga berpengaruh signifikan terhadap keputusan pembelian dengan nilai R-square sebesar 0,656. Artinya, ketiga variabel tersebut mampu menjelaskan 65,6% variasi keputusan pembelian, sedangkan sisanya dipengaruhi faktor lain di luar penelitian. Temuan ini mengindikasikan bahwa konsumen Generasi Z lebih mengutamakan kualitas produk dan harga yang sesuai. Oleh karena itu, Caesa Store perlu menjaga kualitas, menetapkan harga kompetitif, dan menyesuaikan variasi produk dengan tren fashion Generasi Z.
DO ISLAMIC FINANCING CONTRACTS ENHANCE BANK PROFITABILITY? EVIDENCE FROM THE MEDIATING ROLE OF FINTECH ADOPTION IN INDONESIA Erwin Saputra Siregar; Fitri Sagantha; M Taufik Ridho; Rohaiza Kamis; Resa Iswara
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 14, No 1 (2026): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v14i1.40925

Abstract

The present study investigates direct and indirect impacts of six financing instruments including murabaha, mudaraba, musyarakah, ijarah, istishna and qardh of Islamic finance on the profitability of Indonesia's Islamic banks, measured through Return On Assets (ROA), where fintech adoption becomes the mediator. This study adopted quantitative explanation method, where secondary monthly times series data collected from the statistics of Islamic Banking reported by the Financial Services Authority (OJK) for the years 2015 - 2024 were used. The structural relationship between the variables was tested with path analysis, supported by Sobel test and bootstrapping with 5,000 samples to test mediation effect. The results found that mudaraba financing instrument had the highest positive impact on fintech adoption, showing higher association with financial innovation in comparison to other Islamic financing instruments. Digital transformation expenditure, which represents fintech adoption, significantly negatively impacts ROA; therefore, technology investments put immediate pressure on the profitability of the bank. Moreover, none of the Islamic financing instruments had a direct effect on ROA, but mudaraba financing instrument yielded a significant indirect effect on ROA through fintech adoption. These findings suggest that Indonesian Islamic banks remain in the early stage of digital transformation, highlighting the need for more efficient digital integration and supportive regulatory frameworks to achieve sustainable long-term profitability.
Co-Authors A Tarmizi - A.A. Miftah Abd Malik Abd. Malik Addiarrahman Agustina Mutia Agustina Mutia Ahmad Fatoni Ahmad Tarmidzi Ambok Pangiuk Ambok Pangiuk Andi Cahyono Anggraini, Dian Septi Anita Santri Caniago Anzu Elvia Zahara Anzu Elvia Zahara Ardiyansah Ardiyansah Arianti, Asna Arsa Arsa Arsa Arsa Arsa Arsa Asna Arianti Assaidiqi, M. Irfan Aysah putri mahardika Aztyara Ismadharliani Bambang Kurniawan Bambang Kurniawan Chatarina Umbul Wahyuni Dayyesi, Hermika Dessy Anggraini Dina Meiranda Dini Anjani Azkia Aziz Eja Armaz Hardi Elidya Yahya, Ananda Elyanti Rosmanidar Erliyana, Nova Firman Syah Noor Fitri Andriyani Fitri Sagantha Gusmila Sari Hamdani Akbar Hamidah Suci Rahmadani Hanny Musyayyadah Hermika Dayyesi Hidayat, Wahyu Toni Ifazah, Laily Intan Rizkiana Irmayuliana Irmayuliana Irmayuliana, Irmayuliana Khusnul Istiqomah Laily Ifazah Lia Rahmasari Lubis, Puteri Anggi M Taufik Ridho M. Aditya M. Fathan Amin M. Taufik Ridho Mariyani Mariyani Mariyani, Mariyani Maslikah Istiana Meisha Nabilla Putri Meisha Nabilla Putri Mellya Embun Baining Mellyani, Netty Purnama Sari Menik Anjarwasih Muhadan Nurvianto Muhamad Subhan Muhammad Chalifatul Mu’minin Assidqie Muhammad Rezi Muhammad Rezi Muhammad Subhan Nanda Putra Rahmadan, Ferdy Nasrullah Alhadiid Nazori, Nazori Nikmatul Maula Nikmatul Maula Novi Mubyarto Nur Arafah Nur Arafah Nurfitri Martaliah Nurhaya Nurhaya Nurhayati Nurlia Fusfita Nurmita Nurmita Ogi Saputra Oktavia Sri Wardani Pipit Putriani Puteri Anggi Lubis Putri Nur Kholida Zifa Rabiyatul Alawiyah Rabiyatul Alawiyah Rafidah Rafidah Rafidah RAfidah Rafidah Rafidah Rahmi Mardhatillah Resa Iswara Ria Anggilia Rizky Fitra Ananda Rohaiza Kamis Rohaiza Kamis Rusmiyati, Melly Saijun Saijun Salsadila Habiba Sari Yana Siregar Siregar Sari, Gusmila Sari, Welly Puspita Silvia Nurfajriati Silvia roza Siregar, Fitri Ana Siregar, Sari Yana Siregar Siska Anggraini Sissah Sissah Sissah Sissah Siti Nurani, Anggun Siti Nurhaliza Sri Rahma Suchi Soumi Shinta Sucipto Sucipto Sucipto Sucipto Sucipto Sucipto Sukma Gusti Armaida Supriadi Supriadi Titin Agustin Nengsih Usdeldi, Usdeldi Wahyu Toni Hidayat Wanda Wanda wati, asiah Wawan Hendriawan Welly Puspita Sari Winy Meldiani Yulistiani Yulistiani, Yulistiani Yunisa Putri Elsanti Zaidan, Mustafa Zilhikmah Safitri