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All Journal TOMALEBBI: Jurnal Pemikiran, Penelitian Hukum, Pendidikan Pancasila dan Kewarganegaraan (PPKn) AL-Fikr 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 BISEI: Jurnal Bisnis dan Ekonomi Islam Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Al-Kharaj: Journal of Islamic Economic and Business 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 Ulumuna Management of Zakat and Waqf Journal (MAZAWA)) Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Jurnal Studi Ekonomi dan Bisnis Islam (SEBI) International Journal of Community Service Jurnal Penkomi : Kajian Pendidikan dan Ekonomi Jurnal Ad-Dariyah Al-Buhuts (e-journal) 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 Borneo Islamic Finance and Economics Journal (BIFEJ) Jurnal Inovasi Pendidikan Agama Islam Indonesia Journal Of Zakat and Waqf Al-fiqh : Journal of Islamic Studies Socius: Social Sciences Research Journal Southeast Asia Journal of Graduate of Islamic Business and Economics Journal of Management and Innovation Entrepreneurship (JMIE) JEBD At Tawazun Jurnal ekonomi Islam Media Hukum Indonesia (MHI) Nomico Tafaqquh : Jurnal Hukum Ekonomi Syariah dan Ahwal Syahsiyah Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Ilmiah Multidisiplin Keilmuan Mandira Cendikia (JIMK-MC) TIJARAH: Jurnal Ekonomi, Manajemen, dan Bisnis Syariah Jurnal Cendekia Ilmiah 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 Nomico Jurnal Manajemen, Bisnis dan Kewirausahaan Referensi Islamika: Jurnal Studi Islam Syattar; Studi Ilmu-Ilmu Hukum dan Pendidikan AL-MAIYYAH: Media Transformasi Gender dalam Paradigma Sosial Keagamaan Jurnal Teknologi Pendidikan Madrasah
Rahman Ambo Masse
Universitas Islam Negeri Alauddin Makassar
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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.
KONSEP KONSUMSI DALAM EKONOMI ISLAM KONTEMPORER VERSI ABDUL MANNAN DAN MONZER KAHF (Abad XIV H/ XV H/ Abad 20 M) Sandi, Ahmad; Kara, Muslimin; Masse, Rahman Ambo
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.v7i2.2125

Abstract

The purpose of this article is to find out and explore the views of Muhammad Abdul Mannan and the views of Monzar Kahf as contemporary Islamic economic thinkers with a focus on consumption. This research is conceptual research using qualitative research methods with literature review. The data used is secondary data, where secondary data is obtained from journal articles, proceedings, conferences, online news and official sites that have relationships or keywords that are appropriate to the topic. From the views of these two contemporary Islamic thinkers, regarding consumption, Muhammad Abdul Mannan emphasizes five principles of consumption, namely: Justice, cleanliness, simplicity, generosity and morality. Meanwhile, Monzer Kahf ties consumption in Islam to three things, namely Islamic rationalism, the concept of falah and the time scale.
Konsep Ekonomi Islam Versi Al-Mawardi dan Al-Ghazali fatimah, emi sri rahayu; 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.v7i2.2199

Abstract

ABSTRACT This article discusses the concepts of Islamic economic thought according to Al-Mawardi and Al-Ghazali. The purpose of this article is to study the economic thinking of Muslim scholars who lived during the Abbasid dynasty, namely Al-Mawardi and al-Ghazali. The research method used in writing this article is literature review. Literature reviews are used to analyze previous research related to the topic in this article. The research results obtained show that Al-Mawardi and Al-Ghazali through their thinking have studied Islamic economics comprehensively by showing that Al-Mawardi's thoughts about the state and economic activity, the concept of public loans, taxation, the urgency of state financial institutions (baitul maal), and the concept of justice is still very relevant in the current context.Then, Al-Ghazali's economic analysis focuses on a number of topics, such as the development of trade and markets, production, barter, and money, and the role of government and public finance. Meanwhile, Al-Ghazali's economic theory begins with the idea of maslahah which covers all human endeavors and establishes strong ties between humans and society.
DAMPAK COVID-19 TERHADAP PEMBIAYAAN BERMASALAH NASABAH DI BTN SYARIAH KCPS PANAKUKANG PADA TAHUN 2020 Akram Ista; Rahman Ambo Masse; Muh. Irwan. T; Yuli Irawan Rasit
Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Vol. 16 No. 1 (2024): Juni
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/mu.v16i1.6653

Abstract

This study aims to determine the impact of Covid-19 on customer financing and to determine the impact of Covid-19 on banks, in this case BTN Syariah KCPS Pannakukang. This research is a qualitativeresearch conducted descriptively. The results of this study indicate that first, From the customer's perspective, namely the Covid-19 pandemic has greatly affected the customer's business merchandise sales, reduced and decreased income makes customers object to paying installments of financing, income during this pandemic is only to cover installment costs. the impact of this pandemic has made customers look for other income to meet their needs. Used to pay installments and basic daily needs. customers in terms of covering installments are half dead in looking for income to cover installment deposits.Second,From the perspective of the bank itself, namely BTN Syariah KCPS Panakukang, it has experienced a decrease in the level of community participation as an intermediary institution, the presence of Covid 19 has had an effect on turmoil in terms of views for leaders and employees regarding the best solution or solution that can be given to BTN KCPS Panakukang customers, the impact the Covid-19 pandemic for BTN Syariah KCPS Panakukang itself, namely issuing a special policy for BTN Syariah KCPS Panakukang customers.
Prinsip-Prinsip Dasar Ekonomi Islam Rafifah Abu, Rahmah; Rahmaniar; Ambo Masse, Rahman
Mauriduna: Journal of Islamic Studies Vol 5 No 1 (2024): Mauriduna: Journal of Islamic Studies, May 2024
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat, Sekolah Tinggi Ilmu Bahasa Arab Ar Raayah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37274/mauriduna.v5i1.1300

Abstract

Penelitian ini bertujuan untuk menganalisis peran prinsip ekonomi Islam dalam menciptakan kesejahteraan yang berkeadilan bagi seluruh lapisan masyarakat. Dengan menggunakan metode kajian pustaka deskriptif, penelitian ini mengidentifikasi prinsip-prinsip utama ekonomi Islam, seperti keadilan, keseimbangan, tanggung jawab sosial, dan distribusi kekayaan yang adil. Hasil penelitian menunjukkan bahwa ekonomi Islam menawarkan solusi atas berbagai tantangan ekonomi modern, seperti ketimpangan, eksploitasi, dan ketidakadilan, melalui pendekatan yang lebih etis dan berlandaskan nilai-nilai spiritual. Dukungan kebijakan, peningkatan literasi, dan inovasi dalam sistem ekonomi Islam diperlukan agar potensi ini dapat dioptimalkan untuk menciptakan kesejahteraan yang inklusif dan berkelanjutan. This research aims to analyze the role of Islamic economic principles in creating equitable prosperity for all levels of society. Using a descriptive literature review method, this research identifies the main principles of Islamic economics, such as justice, balance, social responsibility and fair distribution of wealth. The research results show that Islamic economics offers solutions to various modern economic challenges, such as inequality, exploitation and injustice, through a more ethical approach and based on spiritual values. Policy support, increased literacy and innovation in the Islamic economic system are needed so that this potential can be optimized to create inclusive and sustainable prosperity.
THE EXPERIENCES FELT LIKE MEDIATORS BETWEEN CONSUMER PERCEPTION AND HALAL PRODUCT PURCHASE DECISIONS Pratiwi, Dhita; Kara, Muslimin; K, Amiruddin; Masse, Rahman Ambo; Wahab, Abdul
International Journal of Multidisciplinary Research and Literature Vol. 3 No. 5 (2024): INTERNATIONAL JOURNAL OF MULTIDISCIPLINARY RESEARCH AND LITERATURE
Publisher : Yayasan Education and Social Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53067/ijomral.v3i5.251

Abstract

This study investigates the function of purchasing experience as a mediator in the correlation between consumer perception and purchasing decisions regarding halal products in Indonesia. This research employs a quantitative methodology utilizing a survey approach, incorporating a questionnaire that addresses demographic factors, consumer perceptions, purchasing experiences, and purchasing decisions. The study engaged 400 respondents selected through stratified random sampling. The regression analysis results showed that consumer perception has a positive and significant influence on buying decisions of halal products (coefficient = 0.45, p <0.001). Furthermore, path analysis revealed that purchasing experience is a considerable mediator (mediation coefficient = 0.105, p <0.001), strengthening the relationship between consumer perception and purchasing decisions. A substantial part of the decision-making process is the purchasing experience, which encompasses both the quality of the service and the level of satisfaction it provides. By using bootstrapping to test the hypothesis, it was determined that the purchasing experience had a significant mediating effect on the relationship. The confidence interval for this finding was between 0.080 and 0.135, which indicates that the hypothesis was supported. These findings highlight the importance of providing customers with a pleasant shopping experience, which highlights the need to improve purchasing decisions for halal products
Co-Authors A. Haerunnisah Azizah A. M. Nur Atma Amir A. Syatir Sofyan AA Sudharmawan, AA Abdul Chadjib Halik Abdul Rizal, Abdul Abdul Sumarlin Abdul Wahab Abdul Wahid Haddade Abdullah AF Abdut Tawwab, Muhammad Achmad Adnan Yahya Adam Nursya Ban, Muh. Adji pratama, Satria Adriani Agung Pribadi Agus, Sherly Afriani Aisyah Arsyad Akram Ista Al fadli Ramadhan Aldi Nyawai Alfani Wahida Ali Halidin Ali Halidin ALI HALIDIN, ALI Alwi, Aulia Aminuyati Amiruddin, Muhammad Majdy Amri Rahman Andi Aderus Andi Fadli Natsif Andi Natsif, Fadli Andi Zulfikar Darussalam Anugrah Arifin, Asriadi Arsyad, Kamaruddin Asapa, Nasrullah Asrandi, Muh Astriani Astuti Syam Audia, Sitti Rabiatul Aulia Alwi Awaluddin Awaluddin Aydi Syam, Aydi Ayu Ruqayyah Yunus Ayu, Vera Budi Iswanto Dahri, Muh. Ihsan Damira Dedy Irwansyah Dian Sari Djufri, irfan EKA DEWINTARA Farah Khumaerah Arif, Nurul Fathurrahman Fatimah, Emi Sri Rahayu Fauziah Fauziah Firawati Firawati Firman Firman Fitra Analia Fitri Handayani Fitri, Nurul Amalia Gunawan Gunawan H, Herianti Hamka Hamka, Hamka Hasbiullah, Hasbiullah Hassan Alaaraj, Hassan Helmy Syamsuri Heriyani, Heriyani Idha Fadhilah Sofyan Idris Parakkasi Ilham, Rizky Amaliyah Ramdhani Indradewa, Rhian Irwan Misbach Ita Rukmanasari Jamaluddin Jayawarsa, A.A. Ketut K, Amiruddin Kadir, Syahruddin Kamaluddin Nurdin Marjuni Katman, Muhammad Nasir Lince Bulutoding M, Misbahuddin Marsanda, Marsanda Maulana Maulana, Maulana Mawaddah Rachman Misbahuddin Misbahuddin Mohammad Subaeh, Syekh Toha Nasir Muammar Bakry Muh Affandi 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 Ilham Muhammad Ilham Muhammad Nasri Katman Muhammad W, Syafaat Muhsin, Syamsiah Muntu, Andi Tenri Sri Murtiadi Awaluddin Musdalifa Musdalifa Musdalifah musdalifah Muslihati Muslimah Muslimah Muslimah Muslimah Muslimin Kara Naheri Nahlah, Nahlah Nasrullah Bin Sapa Nela Novyanti Ningsih, Fitiriah Nur Alisa Nur Annisa Baharsyam Nur Azizah Nur Hikmah Nurfiah Nurfiah Nurhidayatullah Rahma Nurjannah Nurjannah Nurjannah Nurrahimah, S. Nurul Pratiwi Pipi Arviana Prades Ariato Silondae Pratiwi, Dhita Putri R, Rahmatullah R, Randy Rabiatul Adawiyah Rafifah Abu, Rahmah Rahayu Japar Rahayu Japar Rahim, Adhira Imawardhani Rahmah Sari, Nur Rahmaniar Rahmawati Muin Raodahtul Jannah rati tiar Ratnasari Ratnasari Reniar Reo Zaputra Reski Ananda Putri, Andi Reza Pahlevi, Ashraf Rhayu Japar Ridwan Rika Dwi Ayu Parmitasari Rizal Ancu Rizki, Atika Rukiah Rukman Aditama Sahrani, Sahrani Sakti, Salwa Nurfauziyah Salam, Selmiana Samsidar Sandi, Ahmad Sapinah Sappeami, Sappeami Sirajuddin Sirajuddin Sirajuddin Sofyan, Idha Fadhilah Sri Nurul Nabila Sry Muliyani Sudarmi Sudarmi Sudirman Sudirman Sufiani Zahra Sumarlin Sumar’in Sunuwati, Sunuwati Syahdan Hidayat Syamsurianto Syariati, Namla Elfa Taqwim, Andi Ahsan Trisno Wardy Putra Usnul Fadilah Aras Wahyuddin WAHYUNI Wardatul Wahidah Wardatul Wahidah. R Wardatul Wahidah. R Wawan M. Wiwik Permatasari Wulan Purnamasari WULAN PURNAMASARI, WULAN Wulandari, Devy Yuli Irawan Rasit Yuli Irawan Rasit Yuliansyah Yuniar Yusri Karmila Zainuddin, Elza