p-Index From 2020 - 2025
10.186
P-Index
This Author published in this journals
All Journal Jurnal Tomalebbi I-ECONOMICS: A Research Journal on Islamic Economics JURNAL IQTISAD: Reconstruction of Justice and Welfare for Indonesia DIKTUM: Jurnal Syariah dan Hukum AL-MAIYYAH Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah International Journal of Supply Chain Management Khatulistiwa: Journal of Islamic Studies Istinbath: Jurnal Hukum dan Ekonomi Islam Nizham Journal of Islamic Studies Madinah: Jurnal Studi Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Adzkiya : Jurnal Hukum dan Ekonomi Syariah Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Kharaj: Journal of Islamic Economic and Business SOLUSI Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Journal of Economic, Public, and Accounting (JEPA) Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah BUSTANUL FUQAHA: Jurnal Bidang Hukum Islam Al-MAIYYAH : Media Transformasi Gender dalam Paradigma Sosial Keagamaan Ulumuna Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah International Journal of Community Service Jurnal Penkomi : Kajian Pendidikan dan Ekonomi Jurnal Ad-Dariyah COMSERVA: Jurnal Penelitian dan Pengabdian Masyarakat International Journal of Multidisciplinary Research and Literature (IJOMRAL) Banco: Jurnal Manajemen dan Perbankan Syariah Mauriduna : Journal of Islamic studies Journal Islamic Economics Ad Diwan Balanca : Jurnal Ekonomi dan Bisnis Islam Jurnal Ekonomi Syariah dan Bisnis Jurnal Ekonomi dan Binsis ANWARUL: Jurnal Pendidikan dan Dakwah Ash-Shahabah: Jurnal Pendidikan dan Studi Islam Maqrizi : Journal of Economics and Islamic Economics Investama : Jurnal Ekonomi dan Bisnis Peradaban Journal of Religion and Society DIKTUM: JURNAL SYARIAH DAN HUKUM Al-Iftah: Journal of Islamic studies and society Madani: Multidisciplinary Scientific Journal Indonesia Journal Of Zakat and Waqf Al-fiqh : Journal of Islamic Studies Socius: Social Sciences Research Journal Journal of Management and Innovation Entrepreneurship (JMIE) JEBD At Tawazun Jurnal ekonomi Islam International Journal of Islamic Studies Media Hukum Indonesia (MHI) Nomico Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ilmiah Multidisiplin Keilmuan Mandira Cendikia (JIMK-MC) J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi FUNDS: Jurnal Ilmiah Akutansi, Keuangan, dan Bisnis Islamic Financial And Accounting Review Madania: Jurnal Kajian Keislaman Jurnal At-Tamwil: Kajian Ekonomi Syariah
Claim Missing Document
Check
Articles

Implementation of Hybryd Contracts in MULIA Financing Transactions at Sharia Pawnshop Muhsin, Syamsiah; Masse, Rahman Ambo
Al-Iftah: Journal of Islamic studies and society Vol 1 No 1 (2020): Al-Iftah: Journal of Islamic studies and society
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (203.544 KB)

Abstract

This study discusses the implementation of hybrid contract in MULIA financing transactions at Sharia Pawnshop service unit, Pangkajene branch. The contract uses murabahah and Rahn contract. In this study also examined the prospects of the MULIA product marketing efforts and the challenges faced in increasing the number of customer transactions. The type of research used in this thesis is the kind of descriptive research-qualitative, is the plan and structure of the inquiry for answers to questions of researchers in the form of descriptive data are obtained from the results of the in-depth interviews with the informant, observations and collect and analyze data in the form of the document and then do some checking of data with the technique of triangulation. The result of this study found some results that Sharia Pawnshop service unit, Pangkajene branch has implemented with either some provision in the MULIA transaction in accordance with the fatwa but some other of fatwa not implemented yet, for example in terms of the object of the contract should be the property of the Sharia Pawnshop before selling it to the customer also about provisions dealing with procedures using two contracts in one transaction.
PENYELESAIAN PEMBIAYAAN MURABAHAH BERMASALAH PADA BAITUL MAAL WAT TAMWIL (STUDI KASUS BMT FAUZAN AZHIIMA KOTA PARE-PARE) Muh. Fadly Syam; Sirajuddin; Rahman Ambo Masse
Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Volume 5 Nomor 3 April 2024
Publisher : Jurusan Hukum Ekonomi Syariah Fakultas Syariah dan Hukum Uin Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtishaduna.vi.46499

Abstract

Abstrak Pembiayaan bermasalah atau Non Performing financing (NPF) adalah penyaluran dana oleh lembaga syariah yang dalam pelaksanaan pembayaran kembali pembiayaan tidak memenuhi persyaratan yang dijanjikan, serta tidak menepati jadwal angsuran hingga memberikan dampak yang merugikan. Ada sekitar 30% dari keseluruhan nasabah BMT Fauzan Azhiima Pare-Pare dengan pembiayaan akad murabahah yang bermasalah. Penelitian ini bertujuan untuk mengetahui bagaimana penyelesaian Murabahah bermasalah pada Baitul Maal Wat Tanwil pada BMT Fauzan Azhima Kota Pare-pare dan juga bagaimana penanganan terhadap penyelesaian pembiayaan murabahah bermasalah di BMT Fauzan Azhiima Kota Pare-pare. Penelitian ini merupakan penelitian kualitatif dengan pendekatan studi kasus. Jumlah informan dalam penelitian ini sebanyak tujuh orang. Hasil penelitian ini menyatakan bahwasanya faktor yang menyebabkan pembiayaan menjadi bermasalah adalah ketidak jujuran dari nasabah dalam mengelola dana mereka. Oleh karena itu, BMT tidak hanya perlu mempertimbangkan karakter, tetapi lebih efektif untuk menganalisis kondisi ekonomi dan usaha mereka serta menjalankan pengawasan yang ketat. BMT Fauzan Azhiima Kota Pare-Pare juga menekankan pentingnya kejujuran dalam menjalankan akad pembiayaan. Disarankan agar pihak BMT Fauzan Azhiima melibatkan tingkat kehati-hatian dan kewaspadaan yang tinggi dalam mengevaluasi calon nasabah yang mengajukan pembiayaan dan dalam mengotorisasi pemberian pembiayaan itu sendiri. Kata Kunci: Bermasalah; Murabahah; Pembiayaan; Abstract Problematic financing, also known as non-performing financing (NPF), is when sharia institutions lend money but don't meet the requirements or pay back the loan on time, which hurts the institution. There are around 30% of all BMT Fauzan Azhiima Pare-Pare customers with problematic murabahah contract financing. This research aims to find out how to resolve problematic Murabahah at BMT Fauzan Azhima, Pare-pare City, and also how to handle the resolution of problematic Murabahah financing at BMT Fauzan Azhiima, Pare-pare City. This is qualitative research with a case study approach. The number of informants in this study was seven. According to the results of this research, the factor that causes financing to become problematic is dishonesty on the part of customers in managing their funds. As a result, BMT must not only consider character, but also more effectively analyze their economic and business conditions and carry out strict supervision. BMT Fauzan Azhiima also emphasized the importance of honesty in carrying out financing agreements. We recommend BMT Fauzan Azhiima exercise a high level of care and vigilance in evaluating prospective customers who apply for financing and in authorizing the provision of financing itself. Keywords: Financing; Murabahah; Problematic;
Teori Konsumsi Islami Sebagai Pedoman Perilaku dan Penerapannya dalam Kehidupan Rizki, Atika; Wahab, Abdul; Masse, Rahman Ambo
Adzkiya : Jurnal Hukum dan Ekonomi Syariah Vol. 11 No. 2 (2023): Adzkiya: Jurnal Hukum dan Ekonomi Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Meto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/adzkiya.v11i2.7859

Abstract

Consumption is the most important form of activity for human life. This study aims to describe how consumption theory is in accordance with Islamic law, the definition of consumption according to Islam, how Islamic economics views consumption activities, the legal basis for consumption, Muslim consumer behavior, limits on consumption activities and the most effective method for carrying out the utilization hypothesis in daily life -day. This research is qualitative in nature. Secondary data for this research were collected from various scientific publications and books related to the topic under study. In addition, this study uses a literature study method for data techniques. The results of this study are that the application of Islamic consumption theory can be carried out in 4 stages. First, strive for a simple life and set aside wealth for things that are more important to achieve prosperity. Second, consumption activities must be based on halalan thoyyiban. Third, always be grateful, and fourth, always be generous towards others..
MANAJEMEN PEMBERDAYAAN EKONOMI BERBASIS PONDOK PESANTREN: STUDI DI PONDOK PESANTREN DARUL QUR’AN AT-TAQWA DDI JAMPUE KABUPATEN PINRANG Heriyani, Heriyani; Putra, Trisno Wardy; Masse, Rahman Ambo
Investama : Jurnal Ekonomi dan Bisnis Vol 10 No 01 (2024): Investama : Jurnal Ekonomi dan Bisnis
Publisher : Investama : Jurnal Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56997/investamajurnalekonomidanbisnis.v10i01.1080

Abstract

The aim of this research is to analyze how to plan, implement and supervise economic empowerment at the Darul Qur'an At-Taqwa DDI Jampue Islamic boarding school, Pinrang Regency. The type of research used is qualitative using a phenomenological approach. The sources of research data are boarding school leaders and Islamic boarding school business managers. Furthermore, the data collection methods used were observation, interviews and documentation. Then there are three stages of data management and analysis techniques: data collection, data processing, and drawing conclusions. The results of this research indicate that currently the Darul Qur'an At-Taqwa Ddi Jampue Islamic boarding school, Pinrang Regency, is not yet effective in carrying out its economic empowerment management. Planning for economic empowerment has not been well structured, including in terms of determining tasks and responsibilities, as well as clarity of vision and mission, however at the implementation stage economic activities in Islamic boarding schools have gone well, although the funds obtained are still not able to fully support Islamic boarding school empowerment. Supervision at this cottage has been carried out quite well, they have formed a supervisory team and hold regular meetings. The implications of this research are: a) For the Islamic boarding school and business managers of the Darul Qur'an At-Taqwa DDI Jampue Islamic boarding school, Pinrang Regency, they can explore further the business potential that can be developed in their area to provide opportunities for all students in the Islamic boarding school. . For santri and female students to be more active and enthusiastic in the economic empowerment process, because financial skills training is an added value that can be obtained from Islamic boarding schools.
Perilaku Impulse Buying Generasi Z di Mall Panakkukang (Analisis Teori Konsumsi Imam Al-Ghazali) Yuniar; Rahman Ambo Masse; Sirajuddin
AT TAWAZUN: Jurnal Ekonomi Islam Vol 3 No 3 (2023): Desember
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/attawazun.v3i3.40943

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana perilaku Impulse Buying Generasi Z pada pembelian produk di Mall Panakkukang Makassar. Pada penelitian menggunakan metode penelitian kualitatif dengan menggunakan pendekatan fenomenalogi.Sumber data yang digunakan adalah data primer yang diperoleh langsung dari lapangan yakni observasi, wawancara. Hasil Penelitian menunjukka bahwa perilaku konsumen Generasi Z di Mall Panakkukang melakukan Impulse Buying dengan tipe Impulse Murni dan Impulse Saran mereka membeli karena kemauan sendiri beberapa juga karena adanya dorongan dari teman dan mereka melakukan pembelian karena mengikuti trend dengan istilah Fomo atau ikut-ikutan.Pakar Ekonomi Islam memandang perilaku Impulse Buying bahwa sebenarnya perilaku tersebut sangat tidak relevan dan sangat berbanding terbalik dengan teori yang dikemukakan Imam Al-Ghazali tersebut. Berdasarkan hasil temuan bahwa dari konsumen ini belum mengetahui teori konsumsi Imam Al-Ghazali itu seperti apa dan tentu mereka belum menerapkan dalam kehidupan sehari-hari.
Efektivitas Penggunaan Dana Pembiayaan Murabahah Pada Perempuan Prasejahtera Di Desa Pallantikang (Studi Kasus PT. PNM Mekaar Syariah) Reniar; Rahman Ambo masse; Nurfiah Anwar
AT TAWAZUN: Jurnal Ekonomi Islam Vol 4 No 1 (2024): April
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/attawazun.v4i1.45850

Abstract

PT. PNM Mekaar Syariah dalam produk pembiayaan murabahah menggunakan dua akad yaitu murabahah dan wakalah. Penggunaan akad ini mempunyai hubungan timbal balik yang dikenal dengan istilah hybrid contract atau multi akad. PT. PNM Mekaar Syariah pada praktiknya tidak menyediakan barang sebagai objek jual beli, melainkan menggantinya dengan uang sebagai modal usaha. Metode yang digunakan kualitatif dengan menggunakan pendekatan deskriptif kualitatif. Sumber data yang digunakan adalah data primer dan data sekunder. Adapun data diperoleh melalui wawancara, dokumentasi, dan observasi. Hasil penelitian menunjukkan PT. PNM Mekaar Syariah memberikan modal kepada perempuan prasejahtera di Desa Pallantikang yang ingin mengembangkan usaha. Dimana nasabah mengalami peningkatan pendapatan yang sebelumnya < Rp. 800.000 perbulan dan setelah mendapatkan modal usaha di PNM Mekaar Syariah, pendapatan nasabah meningkat menjadi > Rp.800.000 perbulan. penggunaan dana pembiayaan murabahah bil wakalah dapat dikatakan efektif dari segi peningkatan pendapatan serta dari segi tingkat pengembalian dana yang mudah tanpa agunan seperti PT. PNM mekaar Syariah melakukan sistem kelompok tanggung rentang untuk memudahkan dalam pengembalian modal. Hal ini sangat membantu nasabah dalam menyelesaikan masalahnya sehingga dapat disimpulkan bahwa pembiayaan tersebut efektif.
Pengaruh Religiusitas dan Citra Lembaga Terhadap Keputusan Muzakki Membayar Zakat di Baznas Kabupaten Bulukumba Astriani Astuti Syam; Rahman Ambo Masse; Syathir Sofyan; Rahmawati Muin; Trisno Wardy Putra
AT TAWAZUN: Jurnal Ekonomi Islam Vol 4 No 2 (2024): Agustus
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/attawazun.v4i2.48267

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh religiusitas dan citra lembaga terhadap keputusan muzakki membayar zakat di Baznas Kabupaten Bulukumba. Jenis penelitian ini menggunakan jenis penelitian asosiatif dengan menggunakan pendekatan kuantitatif. Sumber data yang digunakan adalah data primer dan data sekunder, teknik pengambilan sampel dalam penelitian ini menggunakan teknik penarikan sampel purposive sampling. Teknik penentuan sampel dengan menggunakan kriteria-kriteria tertentu, sehingga jumlah sampel dalam penelitian ini sebanyak 364 responden. Teknik analisis data dalam penelitian ini yaitu menggunakan bantuan SPSS versi 2.0 for windows, yang diarahkan untuk menjawab rumusan masalah atau hipotesis yang telah dirumuskan dalam penelitian ini serta digunakan untuk menguji hubungan variabel religiusitas dan citra lembaga terhadap keputusan muzakki membayar zakat. Hasil penelitian menunjukkan bahwa religiusitas berpengaruh positif terhadap keputusan muzakki membayar zakat, citra lembaga berpengaruh posotof terhadap keputusan muzakki membayar zakat.
Conceptual Distortion of Murabahah bil Wakalah and Its Implementation in Islamic Banking in Indonesia Samsul; Bin Sapa, Nasrullah; Ambo Masse, Rahman; Rizal, Abdul; Jamaluddin
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 7 No 2 (2023): Oktober 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v7i2.38909

Abstract

The Islamic banking products that are highly relevant to the current market needs include Murabahah bil Wakalah products. However, there is inconsistency between the concept and its implementation in Islamic banking institutions, both banks and non-banks. Therefore, this study aims to examine the distortion of the concept of Murabahah bil Wakalah with its implementation in Islamic banking institutions in Indonesia. Using descriptive qualitative research methods, through library research in collecting data from various sources such as scientific journal articles and Fatwas from the National Sharia Council of MUI. The data obtained were analyzed by literature review comparing the concept and implementation of the Murabahah bil Wakalah contract. The results of this study indicate that there are several distortions found in the concept of Murabahah bil Wakalah with its practice in Islamic banking, particularly in terms of giving representation (wakalah) and ownership issues of the object of the contract, which should rightfully belong to the buyer (Ba’i).
Solusi Akad Murabahah bil Wakalah Pada Perbankan Syariah di Indonesia Putra, Trisno Wardy; Rahman Ambo Masse; Nasrullah bin Sapa
MADINAH Vol 11 No 1 (2024): Madinah: Jurnal Studi Islam
Publisher : INSTITUT AGAMA ISLAM TARBIYATUT THOLABAH LAMONGAN, INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58518/madinah.v11i1.2474

Abstract

A country's economic development can grow if its business sector is doing well. To maintain the existence of business growth, a source of financing capital is needed. This research aims to critically examine the murabahah bil wakalah financing contract in Islamic banking and provide solutions to these problems. This research uses a qualitative method. This study is descriptive analytic in which data collection is carried out by reviewing the literature then analyzing and interpreting the content to produce conclusions and recommendations. The results of the study suggest that there are several problems that occur in the murabahah bil wakalah contract, including goods that are not fully owned by the bank, moral hazard in customers, and an explanation of the cost and profit. The solution is that banks are expected to form a special unit to purchase goods for customers, the need to emphasize the contract at the beginning of the transaction to prevent moral hazard, and the activeness of the sharia supervisory board in overseeing all transactions carried out at Islamic banks.
KONSEP EKONOMI ISLAM VERSI ABDULLAH SAEED Asriyana, Asriyana; Masse, Rahman Ambo; Kara, Muslimin
Jurnal PenKoMi : Kajian Pendidikan dan Ekonomi Vol 7 No 2 (2024): Jurnal Penkomi : Kajian Pendidikan dan Ekonomi
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/pk.v7i2.2117

Abstract

This article discusses the understanding of economic concepts in Islam, which has become the subject of extensive debate and has attracted interest from various backgrounds. One of the views that has emerged is the version put forward by Abdullah Saeed. In his version, Saeed discusses the basic principles of Islamic economics, which include the principles of justice, equal distribution, shared ownership, and the prohibition of usury. Emphasis on community empowerment through economic practices in accordance with Islamic teachings. This research is a qualitative descriptive study. The aim of this research is to interpret and explain data relating to the current situation, attitudes and views that occur in society, the conflict between two or more situations, the influence of a condition, or other things. This article will explore the key points in Abdullah Saeed's version of the concept of Islamic economics, as well as its impact on contemporary economic thought and economic practice in the Muslim world.
Co-Authors A. Haerunnisah Azizah A. Zulfikar Darussalam AA Sudharmawan, AA Abdul Chadjib Halik Abdul Rizal, Abdul Abdul Wahab Abdul Wahid Haddade Abdut Tawwab, Muhammad Achmad Adnan Yahya Adam Nursya Ban, Muh. Aderus, Andi Adji pratama, Satria Adriani Agus, Sherly Afriani Akram Ista Aldi Nyawai Ali Halidin Ali Halidin ALI HALIDIN, ALI Aminuyati Amiruddin, Muhammad Majdy Amri Rahman Andi Aderus Anwar, Nurfiah Arifin, Asriadi Asapa, Nasrullah Asrandi, Muh Asriyana, . Astriani Astuti Syam Audia, Sitti Rabiatul Aulia Alwi Awaluddin Awaluddin Aydi Syam, Aydi Ayu Ruqayyah Yunus Baso Hamka Bin Sapa, Nasrullah Damira Dian Sari EKA DEWINTARA Elfa Syariati, Namla Fadli Andi Natsif Farah Khumaerah Arif, Nurul Fatimah, Emi Sri Rahayu Faturrahman Fauziah Fauziah Firawati Firawati Firman Firman Fitra Analia Fitri Handayani Fitri, Nurul Amalia H, Herianti Hamka Hamka, Hamka Hasbiullah, Hasbiullah Hassan Alaaraj Heriyani, Heriyani Idha Fadhilah Sofyan Ilham, Rizky Amaliyah Ramdhani irfan Djufri Irwan Misbach Ismail Hannanong Ita Rukmanasari Jamaluddin Jannah, Raodahtul Jayawarsa, A.A. Ketut K, Amiruddin Kamaluddin Nurdin Marjuni Kara, Muslimin H. Katman, Muhammad Nasir Lince Bulutoding M, Misbahuddin Marsanda, Marsanda Mawaddah Rachman Misbahuddin Misbahuddin Misbahuddin Misbahuddin Mohammad Subaeh, Syekh Toha Nasir Muammar Bakry Muh Affandi Muh Ilham Nur Haslin Muh Rasul Pradana Muh. Fadly Syam Muh. Ihsan Dahri Muh. Irwan T. Muh. Irwan. T Muh. Irwan.T Muh. Ridwan Markarma Muhamad, Mar’ie Muhammad Afief Mubayyin Muhammad Dahlan Muhammad Fadel Muhammad Nasri Katman Muhammad Nasri Katman Muhammad W, Syafaat Muhsin, Syamsiah Musdalifa Musdalifa Musdalifah musdalifah Muslihati Muslimah Muslimah Muslimin Kara Muslimin Kara Muslimin Kara Muslimin Kara Naheri Nahlah, Nahlah nahlah, nahlah Nasrullah Bin Sapa Nasrullah Bin Sapa Nasrullah Sapa Nela Novyanti Nur Annisa Baharsyam Nur Hikmah Nurhidayatullah Rahma Nurjannah Nurjannah Nurjannah Nurrahimah, S. Nurul Pratiwi Parmitasari, Rika Dwi Ayu Prades Ariato Silondae Pratiwi, Dhita Putra, Trisno Wardy Putri R, Rahmatullah R, Randy Rabiatul Adawiyah Rafifah Abu, Rahmah Rahmah Sari, Nur Rahmaniar Rahmawati Muin rati tiar Ratnasari Ratnasari Reniar Reski Ananda Putri, Andi Reza Pahlevi, Ashraf Rizal Ancu Rizki, Atika Rukiah Rukman Aditama Sahrani, Sahrani Sakti, Salwa Nurfauziyah Salam, Selmiana Sandi, Ahmad Sapa, Nasrullah Sappeami, Sappeami Sirajuddin Sirajuddin Sirajuddin Sofyan, Idha Fadhilah Sofyan, Syathir Sry Muliyani Sudarmi Sudarmi Sudirman Sudirman Sufiani Zahra Sunuwati Sunuwati Syahdan Hidayat SYAHRUDDIN KADIR Taqwim, Andi Ahsan Trisno Wardy Putra Trisno Wardy Putra Trisno wardy Putra WAHYUNI Wawan M. Wiwik Permatasari WULAN PURNAMASARI, WULAN Wulandari, Devy Yuli Irawan Rasit Yuli Irawan Rasit Yuniar Yunus, Ayu Ruqayyah Zainuddin, Elza