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All Journal Jurnal Manajemen Bisnis JTAM (Jurnal Teori dan Aplikasi Matematika) YUME : Journal of Management Aktiva : Jurnal Akuntansi dan Investasi SULTANIST: Jurnal Manajemen dan Keuangan Jurnal Ekuivalensi Jurnal Ilmiah Manajemen Kesatuan Indonesian Journal of Electrical Engineering and Computer Science International Journal of Business Economics (IJBE) Community Development Journal: Jurnal Pengabdian Masyarakat Janaka : Jurnal Pengabdian Masyarakat GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Pengabdian kepada Masyarakat Nusantara International Journal Of Science, Technology & Management (IJSTM) Quantitative Economics and Management Studies Jurnal Manajemen Retail Indonesia (JMARI) Jurnal Ekonomi Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) Arus Jurnal Sosial dan Humaniora ProBisnis : Jurnal Manajemen JURNAL REGIONOMIC Proceeding of The International Conference on Economics and Business International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Journal of Accounting Management Business and International Research International Journal of Science and Environment Innovative: Journal Of Social Science Research Jurnal Manajemen dan Ekonomi Kreatif International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Journal of Management and Social Sciences International Journal of Economics, Business and Innovation Research Society Jurnal Price : Ekonomi dan Akuntasi Jurnal Ekonomi, Akuntasi dan Manajemen Indonesia(JEAMI) Jurnal Ekonomi, Manajemen, Akuntansi Journal of Business Integration Competitive Journal of Finance Integration and Business Independence Jurnal Mahkota Bisnis (Makbis) Proceeding of The International Conference on Electrical Engineering and Informatics
Amin Hou
Universitas Mahkota Tricom Unggul
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Mechanical Engineering Physics Public Health Social Sciences Transportation Other

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EDUKASI UJI KOMPETENSI AKUNTANSI DALAM MENDUKUNG LULUSAN YANG BERKOMPETENSI PADA SMK TRITECH INFORMATIKA Harianto, Adi; Razaq, Mhd Restu; Nainggolan, Susan G.V.; Anita, Anita; Sanjaya, Mega; Tanady, Darwan; Hou, Amin; Tambunan, Debora; Bhastary, Manda Dwipayani; Nasib, Nasib
Community Development Journal : Jurnal Pengabdian Masyarakat Vol. 5 No. 2 (2024): Volume 5 No. 2 Tahun 2024
Publisher : Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/cdj.v5i2.27426

Abstract

Artikel ini membahas tentang pentingnya uji kompetensi akuntansi di sekolah menengah kejuruan (SMK). Uji kompetensi memberikan penilaian objektif terhadap keterampilan siswa dalam bidang akuntansi. Hal ini membantu mereka memahami sejauh mana pemahaman dan keterampilan mereka dalam topik-topik yang terkait dengan akuntansi. Hasil dari uji kompetensi dapat membantu siswa dan guru memetakan area-area di mana siswa memiliki kekuatan dan kelemahan. Informasi ini dapat digunakan untuk merancang program pembelajaran yang lebih terarah dan efektif. Lebih lanjut, pada artikel ini melakukan fokus terkait penggunaan aplikasi perangkat lunak akuntansi seperti MYOB. Dengan aplikasi ini selanjutnya, siswa diberi tugas untuk memasukkan data keuangan, menyiapkan laporan keuangan, dan melakukan analisis menggunakan perangkat lunak tersebut dengan membagi kedalam beberapa tim. Hal ini membantu para siswa memperoleh keterampilan praktis dalam penggunaan alat-alat yang digunakan di dunia kerja. Selanjutnya, dalam pelatihan ini, siswa harus memiliki pemahaman yang kuat tentang konsep dasar akuntansi, seperti pencatatan transaksi, pengelompokan akun, persiapan laporan keuangan, dan lain sebagainya. Langkah-langkah yang dilakukan ini diharapkan dapat membentuk generasi yang tangguh, dan berkompetensi sehingga dapat berdaya saing dalam dunia kerja nantinya.
The Influence of Taxpayer Knowledge, Motor Vehicle Tax Sanctions, and the Samsat Drive Thru System On Motor Vehicle Taxpayer Compliance (Case study of Motor Vehicle Taxpayer at Samsat Drive Thru Medan) Berupilihen br Ginting; Adi Harianto; Mhd. Restu Razaq; Sabaruddin Chaniago; Amin Hou
Jurnal Ekonomi Vol. 13 No. 02 (2024): Jurnal Ekonomi, Edition April - June 2024
Publisher : SEAN Institute

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

Abstract

This study supposed to determine the effect of taxpayer knowledge, motor vehicle tax sanctions, and the Samsat Drive Thru system on compliance of motor vehicle taxpayers (case study of motor vehicle taxpayer at Samsat Drive Thru Medan). The type of research that will be used in this research is descriptive and associative methods, because there are variables that will be examined for their relationship and the aim is to present a structured, factual, and accurate description of the facts in the relationship between the variables studied. The population of this study is motor vehicle taxpayers who make PKB payments in 2023 and researchers limit the population to 150 taxpayers and the sampling technique used is accidental sampling of 150 taxpayers. The data analysis technique used is the Validity and reliability test to see the influence between variables using the Hypothesis test (Test and Test f) and the determination test using SPSS. The results showed that Taxpayer Knowledge has a positive and significant effect on Taxpayer Compliance at the Medan samsat office. PKB sanctions have a positive and significant effect on taxpayer compliance at the Medan samsat office. The Samsat Drive Thru system has a positive and significant effect on taxpayer compliance at the Medan samsat office. Determination Test Taxpayer Knowledge, motor vehicle tax sanctions Sanctions, Samsat Drive Thru system while the remaining 28.9% is influenced by other variables not examined in this study such as service quality, motor vehicle tax sanctions fees and other variables. To Dispenda as a government agency in charge of Motor Vehicle Tax payments should increase innovation in Motorized Tax payments as effectively and efficiently as possible so that taxpayer compliance will increase.
EFFECT OF WORK ENVIRONMENT AND WORKLOAD ON EMPLOYEE SATISFACTION Astika, Enda; Nasib, Nasib; Bhastary, Manda Dwipayani; Amalia, Fiqrida; Hou, Amin
Jurnal Manajemen Retail Indonesia (JMARI) Vol. 3 No. 1 (2022): Jurnal Manajemen Retail Indonesia (JMARI)
Publisher : UNIVERSITAS RAHARJA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (280.844 KB) | DOI: 10.33050/jmari.v3i1.2147

Abstract

The purpose of this study was to determine and analyze the effect both partially andsimultaneously to determine and analyze the effect of the work environment and workload on jobsatisfaction of PT Mahkota Group employees. The population in this study were all employees ofPT Mahkota Group, totaling 105 employees. The sampling technique used was purposivesampling. Where a sample of 51 employees was selected to be used as research samples. The datacollection technique used in this study was a questionnaire. The analysis technique used in thisstudy is multiple regression, classical assumptions, hypothesis testing, and coefficient ofdetermination. The results of the study indicate that there is a significant and positive effect ofwork environment variables on employee job satisfaction variables at PT Mahkota Group. There isa significant and negative effect of workload variables on employee job satisfaction variables atthe PT Mahkota Group company and there is a significant and simultaneous influence on workenvironment and workload variables on employee job satisfaction at PT Mahkota Groupcompanies. The coefficient of determination R Square is 0.615 or 61.5% where the workenvironment and workload can explain in this study while the remaining 38.5% are other variablesnot examined by this study.
Integrated Liquidity and Risk Management Strategy as a Driver of Bank Efficiency: A SEM-PLS Study on BRI Amelia, Ratih; Amin Hou; Muhammad Fathoni; Dini Vientiany
Journal of Finance Integration and Business Independence Vol. 1 No. 2 (2025): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v1i2.44

Abstract

This study seeks to examine the impact of bank liquidity on bank efficiency, utilizing risk management quality as a mediating variable at Bank Rakyat Indonesia in 2024. The study challenge arises from the significance of liquidity stability and efficient risk management in enhancing banking operating efficiency, particularly at BRI, which operates on a CASA-based funding model and possesses the largest credit portfolio in Indonesia. This research employs a quantitative methodology with an explanatory framework, utilizing secondary data derived from BRI's 2024 financial statements and evaluated through Structural Equation Modeling–Partial Least Squares (SEM-PLS). The findings indicate that bank liquidity exerts a positive and significant influence on both risk management quality and bank efficiency, whereas risk management quality positively and significantly impacts efficiency. Also, RMQ has been shown to partially mediate the influence of liquidity on efficiency. These results show that good risk management and high liquidity are two important things that can help BRI's operations run more smoothly and make more money. This study suggests that integrated liquidity enhancement and risk management methods must be perpetually fortified to sustain bank performance and competitiveness in the evolving financial sector
The Influence of Revenue Growth and Operating Expenses on Company Value Amin Hou; Deva Djohan; Duffin; Septa Diana Nabella; Adi Harianto
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 3 (2025): JIMKES Edisi Mei 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i3.3312

Abstract

This study aims to build a model of insurance company value based on revenue growth and operating expenses with Return on Equity (ROE) as a mediating variable. The study was conducted on six insurance companies listed on the IDX during the period 2020–2024 with a quantitative approach using SEM-PLS. The background of the study is the fluctuation of financial performance, especially the mismatch between revenue growth and equity efficiency and firm value. The results of the analysis show that revenue growth has a significant positive effect on firm value, both directly and through ROE. Conversely, operating expenses have a significant negative effect on firm value and are also mediated by ROE. ROE is proven to be a significant mediating variable in this relationship. The coefficient of determination (R²) value of 0.982 for firm value indicates that the model has a very strong ability to explain the variance of firm value. Meanwhile, R² for ROE of 0.566 indicates a moderate influence of the two independent variables. This study emphasizes the importance of increasing revenue and operational efficiency as a strategy to strengthen firm value and investor confidence.
The Decision To Revisit Coffee Drinking Is Seen From The Lifestyle And Attributes Of Coffee Through The Brand Image Amin Hou; Dahrul Siregar
International Journal of Science, Technology & Management Vol. 2 No. 1 (2021): January 2021
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v2i1.120

Abstract

At present, the coffee shop business continues to experience rapid development. The need for coffee changes the lifestyle of a consumer. The main objective of this research is to determine the direct and indirect effect of lifestyle variables and product attributes on purchasing decisions through brand image. This research was conducted at Keude Kupie Ulee Kareng & Gayo II in Medan City. The main target population and sample in this study were the loyal visitors at Keude Kupie Ulee Kareng & Gayo II. Where 175 respondents were selected to be the research sample. The results of the analysis show that the lifestyle and product attributes directly have a significant effect on brand image. Then, indirectly, lifestyle has an indirect effect on purchasing decisions through brand image. Product attributes have an indirect effect on purchasing decisions through brand image.
The Effect of Current Ratio, Debt to Equity Ratio, and Return on Assets on Financial Distress Hou, Amin; Chaniago, Sabaruddin; Kawuri, Sri; Ayuni, Tyus Windi; Anggraini, Dwi Pertiwi
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 6 (2025): JIMKES Edisi November 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i6.4155

Abstract

The banking sector is a key driver of economic growth and financial stability, but it remains exposed to various risks that can lead to financial distress. Early detection using financial ratio analysis is therefore essential to strengthen resilience and protect stakeholder confidence. This study aims to examine the impact of financial ratios on financial distress. This study analyzes the current ratio, debt to equity ratio, and return on assets. The employed study methodology is a quantitative technique utilizing secondary data obtained from financial reports. Data were evaluated by multiple linear regression to ascertain both partial and simultaneous impacts of financial ratios on financial hardship. The findings indicate that current ratio, debt equity ratio, and return on assets significantly influence financial strain to some extent. Concurrent testing indicates that the three independent factors collectively exert a significant impact on financial hardship, with a determination coefficient of 75.9%. These findings affirm that effective management of liquidity, debt composition, and profitability is essential in mitigating the risk of financial distress within the banking industry. Practically, banks should actively manage liquidity, debt, and profitability to prevent financial distress.
Comparative Study of Inflation Trends and Exchange Rate Fluctuations Across Seven ASEAN Member Countries Amin Hou; Darwin Lie; Nagian Tony
Proceeding of the International Conference on Electrical Engineering and Informatics Vol. 2 No. 2 (2025): July : Proceeding of the International Conference on Electrical Engineering and
Publisher : Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/iceei.v2i2.50

Abstract

This study investigates the monetary transmission mechanisms influencing inflation and exchange rates across seven Southeast Asian countries (Myanmar, the Philippines, Indonesia, Malaysia, Singapore, Thailand, and Vietnam) over the period 2010–2023, with special focus on the impact of the COVID-19 pandemic. The research addresses the problem of macroeconomic instability, particularly the volatility in inflation and currency values during crisis periods, and aims to identify the dominant monetary factors affecting these indicators. The study employs a mixed quantitative approach using Structural Vector Autoregression (SVAR), Panel Autoregressive Distributed Lag (ARDL), and Paired Sample t-Test to analyze the short-term and long-term relationships among key variables: Gross Domestic Product (GDP), investment, money supply (M2), interest rates, inflation, and exchange rates. Findings reveal that GDP is the most influential factor impacting both inflation and exchange rates, followed by money supply and interest rates. The variance decomposition analysis confirms that these monetary variables significantly explain macroeconomic fluctuations in both pre- and post-pandemic contexts. The t-Test further indicates statistically significant changes in inflation and exchange rates before and after the pandemic, highlighting the disruptive effect of COVID-19 on economic stability. The results demonstrate that inflation declined significantly in most countries during the pandemic, while exchange rate behavior varied depending on economic resilience and policy responsiveness. The study concludes that maintaining macroeconomic stability requires not only monetary policy coordination but also effective public health crisis management. This research contributes to the regional policy discourse by offering empirical insights and evidence-based recommendations to strengthen economic resilience in Southeast Asia.
Sosialisasi Pembimbingan Kepribadian Berkarakter dengan Terapi Bersyukur bagi Narapidana Laki-laki di Lapas Pancur Batu Hek, Tan Kim; Mipo, Mipo; Hou, Amin; Sukiman, Sukiman; Gani, Petrus
Jurnal Pengabdian kepada Masyarakat Nusantara Vol. 6 No. 4 (2025): Edisi Oktober - Desember
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jpkmn.v6i4.7355

Abstract

Kegiatan sosialisasi ini adalah untuk memperkenalkan metode pembimbingan kepribadian berkarakter melalui pendekatan terapi bersyukur kepada narapidana laki-laki di Lembaga Pemasyarakatan Pancur Batu, Medan. Narapidana terutama laki-laki seringkali mengalami permasalahan psikologis seperti rendah diri, penyesalan berlebihan, dan kesulitan memaknai hidup secara positif yang dapat menghambat proses reintegrasi sosial. Terapi bersyukur (gratitude therapy) merupakan intervensi psikologis yang terbukti efektif meningkatkan kesejahteraan mental dengan cara melatih individu mengenali dan mengapresiasi aspek-aspek positif dalam kehidupan mereka, terapi bersyukur ini juga dapat mengalihkan focus perhatian dari aspek negative atau kekurangan seseorang menuju kepada pengakuan atas sumberdaya positif yang dimiliki seseorang. Metode sosialisasi dilakukan melalui penyuluhan dengan metode kualitatif yaitu teknik pengumpulan data, diskusi interaktif, dan praktik langsung terapi bersyukur seperti journaling dan refleksi diri. Materi mencakup pemahaman konsep karakter positif, manfaat sikap bersyukur terhadap kesehatan mental, serta penerapannya dalam kehidupan sehari-hari di lapas. Hasil sosialisasi menunjukkan bahwa cognitive reframing yang mengubah narasi negatif tentang diri dan situasi menjadi perspektif yang lebih konstruktif (β = 0.67, p < 0.001); kedua, peningkatan regulasi emosi yang mengurangi reaktivitas negatif dan impulsivitas (ditunjukkan oleh penurunan kortisol 38% dan peningkatan HRV 38,8%); dan ketiga, rekonstruksi makna hidup yang memotivasi narapidana untuk mengambil tanggung jawab atas masa depan. Untuk memaksimalkan dampak jangka panjang, diperlukan pendampingan berkelanjutan, seperti dosen, pelatihan petugas lapas sebagai fasilitator, pengembangan modul yang disesuaikan dengan konteks lokal, serta pelibatan keluarga narapidana dalam proses pembimbingan, dan kegiatan ini merekomendasikan keberlanjutan pembimbingan bahwa terapi bersyukur sebagai bagian integral dari sistem pembinaan narapidana.
Enhancing Financial Behavior through Financial Awareness and Professional Advice: Insights from the Government Sub-sidized Housing Program for Lecturers in Medan Sabaruddin Chaniago; Amin Hou; Adi Harianto; Septa Diana Nabella; Ibrahim Mallam Fali
Journal of Business Integration Competitive Vol. 2 No. 2 (2026): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i2.75

Abstract

This study seeks to examine the impact of financial awareness on financial behavior, utilizing financial advisers as a mediating variable among Generation Y lecturers in Medan City participating in the government's 3 million subsidized housing program. The consistently poor quality of financial decision-making about subsidized housing ownership underscores the necessity of enhancing financial literacy, facilitated by the involvement of competent financial counselors. This research utilized a quantitative methodology, namely a survey technique including the dissemination of questionnaires to participants. The study's population comprised Generation Y lecturers in Medan City, with a sample size of 78 individuals selected through a random sampling method. The analysis of data was conducted using Structural Equation Modeling–Partial Least Squares (SEM-PLS) to evaluate both direct and indirect correlations among variables. The findings indicated that financial awareness exerted a favorable and significant influence on financial behavior. Moreover, financial awareness substantially affected the utilization of financial advisors, which subsequently yielded a favorable impact on financial behavior. It was shown that financial advisors indirectly affected the link between financial knowledge and financial conduct. This research underscores the necessity for government and subsidized housing program administrators to incorporate financial literacy initiatives tailored to the distinct requirements of lecturers, including training in long-term financial planning, subsidized mortgage simulations, and financing risk management. Additionally, it is recommended that higher education institutions offer internal financial consulting services or partner with financial advising organizations to aid instructors in making prudent and sustainable financial choices. This study shows that banks and other financial institutions need to strengthen the role of financial advisors by using education and personalized services to improve the way customers handle their money, especially when it comes to subsidized housing financing programs
Co-Authors , Nirmalasari , Rahima Br Purba Abdul Aziz Adi Harianto Ahmad Fadli Ahmad Fadli Ahmad Fadli Ahmad Rivai Ali Syah Putra Alimin, Erina Amalia, Fiqrida Amanda, Diska Aminatu Zahra Andoko Andoko, Andoko Anggraini, Dwi Pertiwi Anita Anita Arsyaf Tampubolon Astika, Enda Ayuni , Tyus Windi Baehaqi Br Ginting, Berupilihen Chaniago, Sabarudddin Chaniago, Sabaruddin Cici Handayani, Cici Dahrul Siregar Darwan Tanady Darwin Lie Debora Tambunan Deby S O Pasaribu Deby Siska Oktavia Pasaribu Deby Siska Oktavia Pasaribu Denny Satria Deva Djohan Dewi Rafiah Pakpahan Dini M Hutagalung Dini Vientiany Duffin Dwi Pertiwi Anggraini Dwita Sakuntala Eddy Harnjo Eka Martyna Theodora Elisa Oktavia Simatupang Emma Novirsar Emma Novirsari Ester Hervina Sihombing Ester Hervina Sihombing ESTER HERVINA SIHOMBING, ESTER HERVINA Fauzia Mei Salsabila Fauzia Mei Salsabillah Fauzia Mei Salsabillah Gami, Emelia Rahmadany Putri Gani, Petrus Gea, Stevan Rejekima Gea, Wita Cristianni Ginting, Rika Adelina Br. Goh, Thomas Sumarsan Harahap, Taufiq Azmi Hariato, Adi Harman Syahfendi Harnjo, Eddy Hecimovic, Angela Hek, Tan Kim Ibrahim Mallam Fali Ibrahim Mallam Fali Indah Juwita Indra Budiman Indra Budiman Iventura Fitra Uli Tamba Jen Peng Huang Jonathan Setiadi Pasaribu Juliansyah, Roni Kaseng, Asriyana Kawuri, Sri Khairatun Nazah Leony Hoki Lili Maulidza M Fakhrul Hirzi M. Fakhrul Hirzi Mahyuddin Mahyuddin Manda Dwipayani Bhastary Martin Martin Martin Martin Martin Mega Sanjaya Mhd Restu Razaq Razaq Milka Rositi Sianipar Mipo, Mipo Mohamed Anis Benallal Mohammed Salim Benabadji Muhammad Fathoni Muhammad Fathoni, Muhammad Muhammad Restu Razaq Mustapha Si Tayeb Nagian Tony Nainggolan, Susan G.V. Nasib Nasution, Muhammad Ilham Nasution, Sri Wanti Nazah, Khairatun Nidya Banuari Nissa, Fachrun Pardede, Akim Manaor Hara Pebri, Prianda Preddy Marpaung Rafael R.F. Sijabat Rafida Khairani Ramadhani, Laily Ratih Amelia Ratih Amelia Ratih Amelia Ratna Sari Rifda Daulay, Zulia Rina Asriani Levianti Rivai, Ahmad Rivai, Ahmad Roma Sihombing Roni Juliansyah Rosita Rosita Saputra, Jumadil Septa Diana Nabella Sijauta, Dominggus Silaban, Jenti Natalia Simatupang, Jumeida Sinaga, Anggiat Sinaga, Tioma Maryanda Sinuhaji, Frans G Siti Alhamra Salqaura Stevan Rejekiman Gea Sukiman Sukiman Surtan Hasibuan Surya Maulana SUSANTO Susilowati, Alicia Ulina Suwandy Purba Syafitri, Desy Ramadhani Syahlina, Maya Syukur Berkat Waruwu Theodora, Eka Martyna Tumangger, Ayu Bonita Sari Tumini Sipayung Tyus Windi Ayuni Vina Maria Ompusunggu Vina Winda Sari Vivi Asfianti Widy Hastuty Widy Hastuty HS Wijaya, Elyzabeth Wily Julitawaty Winda Sari, Vina Wulan Sari, Wulan Yehezkiel Wibisono Sagala Yenni Yenni Yusrizal Yusrizal Zakia Fadila