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All Journal TEKNIK E-JUPEKhu Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Jurnal Ilmiah Mahasiswa Bidang Hukum Pidana FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Almufida: Jurnal Ilmu-Ilmu Keislaman Santhet: (Jurnal Sejarah, Pendidikan Dan Humaniora) INFOKUM Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Indonesian Journal of Education, Social Sciences and Research (IJESSR) Yustisi: Jurnal Hukum dan Hukum Islam Jurnal Pengabdian kepada Masyarakat Merdeka Indonesia Jurnal International Proceeding International Seminar of Islamic Studies Journal Evidence Of Law Journal of Information Technology (JINTECH) Journal of Community Service ADIBA: Journal of Education Worksheet : Jurnal Akuntansi Jurnal Manajemen, Akuntansi, Ekonomi Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Manajemen Dan Bisnis Ekonomi Indonesian Journal of Multidisciplinary Sciences Guruku: Jurnal Pendidikan dan Sosial Humaniora International Journal of Economic, Technology and Social Sciences (Injects) Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Contemplate: Jurnal Ilmiah Studi Keislaman Al-Zayn: Jurnal Ilmu Sosial & Hukum Journal of Islamic Economics and Finance Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Jurnal Manajemen dan Pendidikan Agama Islam Jurnal Ekonomi dan Pembangunan Indonesia Jurnal Syariah dan Ekonomi Islam (JSEI) Jurnal Pajak dan Analisis Ekonomi Syariah Eumpang Breuh: Jurnal Pengabdian Masyarakat Rabbayani: Jurnal Pendidikan dan Peradaban Islami El-Mubarak: Islamic Studies Journal Journal of multidisipline and Equality Journal of Economics and Development Ulil Albab Jurnal Pendidikan dan Kewarganegara Indonesia (jupenkei) Jurnal Publikasi Ekonomi dan Akuntansi Jurnal Sistem Informasi dan Ilmu Komputer
M. Iqbal
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Physics Public Health Social Sciences Other

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THE INFLUENCE OF EMOTIONAL INTELLIGENCE ON CAREER ADAPTABILITY MEDIATED BY CAREER DECISION SELF-EFFICACY : Pengaruh Kecerdasan Emosional terhadap Kesiapan Karir pada Mahasiswa Fakultas Ekonomi dan Bisnis dalam Mempersiapkan Karir dengan Efikasi Diri Keputusan Karir sebagai Variabel Mediasi M. Iqbal; Rini Sarianti
Santhet: (Jurnal Sejarah, Pendidikan Dan Humaniora) Vol 9 No 1 (2025): SANTHET: (JURNAL SEJARAH, PENDIDIKAN DAN HUMANIORA) 
Publisher : Proram studi pendidikan Sejarah Fakultas Keguruan Dan Ilmu Pendidikan Universaitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/santhet.v9i1.4974

Abstract

This study aims to analyze the effect of emotional intelligence on career adaptability in students of the Faculty of Economics and Business, Padang State University, with career decision self-efficacy as a mediating variable. Using a quantitative method with a survey approach, data were collected from 100 samples were used which were then processed using the SmartPLS v.4.1.0.2 application. The results of this study show that: (1) Emotional intelligence has a positive influence on career adaptability, (2) Emotional intelligence has a positive influence on career decision self efficacy, (3) Career decision self-efficacy has a positive influence on career adaptability, (4) Career decision self-efficacy mediates the influence of emotional intelligence on career adaptability
LITERASI KEUANGAN SYARIAH, KEMAJAUAN TEKNOLOGI, DAN MOTIVASI: PILAR KEPUTUSAN INVESTASI GENERASI Z DI PASAR MODAL SYARIAH Reynaldi Prameswara; M. Iqbal; Muhammad Faris Afif
El-Mubarak: Islamic Studies Journal Vol. 2 No. 1 (2025): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v2i1.270

Abstract

Penelitian ini bertujuan untuk mengevaluasi pengaruh literasi keuangan syariah, kemajuan teknologi, dan motivasi terhadap keputusan investasi Generasi Z di pasar modal syariah. Metode yang digunakan adalah pendekatan kuantitatif dengan pengumpulan data primer melalui kuesioner. Teknik pengambilan sampel dilakukan dengan metode non-probability sampling yang dikombinasikan dengan purposive sampling. Sebanyak 100 responden berpartisipasi dalam pengisian kuesioner. Data dianalisis menggunakan regresi linier berganda dengan bantuan perangkat lunak SPSS versi 26. Hasil penelitian menunjukkan bahwa: (1) literasi keuangan syariah berpengaruh positif dan signifikan terhadap keputusan investasi; (2) kemajuan teknologi berpengaruh positif dan signifikan terhadap keputusan investasi; (3) motivasi berpengaruh positif dan signifikan terhadap keputusan investasi; serta (4) ketiga variabel tersebut secara simultan berpengaruh positif dan signifikan terhadap keputusan investasi Generasi Z di pasar modal syariah.
ANALISIS STRATEGI PEMASARAN PRODUK GADAI EMAS PADA BANK SYARIAH INDONESIA KCP PALEMBANG JAKABARING Ulil Amri; M. Iqbal
El-Mubarak: Islamic Studies Journal Vol. 2 No. 1 (2025): El-Mubarak - Islamic Studies Journal
Publisher : CV. Cendekiawan Muda Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70656/emisja.v2i1.331

Abstract

Bank Syariah Indonesia merupakan salah satu bank syariah terbesar di Indonesia. Salah satu produk unggulannya adalah gadai emas (rahn), yaitu pembiayaan dengan jaminan emas berdasarkan prinsip syariah melalui akad rahn dan ijarah. Produk ini menjadi solusi kebutuhan dana masyarakat secara cepat dan aman, serta memerlukan strategi yang tepat untuk menarik minat nasabah. Penelitian ini bertujuan untuk mengetahui sejauh mana produk gadai emas tersebar serta strategi pemasaran yang digunakan di BSI KCP Jakabaring, Palembang. Metode yang digunakan adalah kualitatif dengan pendekatan observasi, wawancara, dan studi pustaka. Hasil menunjukkan bahwa strategi pemasaran berperan penting dalam memperluas pemahaman dan penerimaan masyarakat terhadap produk gadai emas, serta perlu ditingkatkan melalui edukasi, digitalisasi, dan kerja sama eksternal. Hasil penelitian menunjukkan bahwa Strategi ini dilakukan melalui pendekatan marketing mix (produk, harga, tempat, dan promosi) yang berlandaskan prinsip syariah dan kemudahan akses layanan. Analisis SWOT menunjukkan bahwa BSI memiliki kekuatan seperti dukungan regulasi, biaya ijarah rendah, pelayanan prima, dan asuransi jaminan. Peluang pasar terbuka lebar dengan meningkatnya kebutuhan dana dan tren harga emas yang stabil. Namun, terdapat kelemahan dalam keterbatasan jenis emas yang diterima dan rendahnya nilai taksiran emas perhiasan. Di sisi lain, persaingan digital dan dominasi Pegadaian menjadi ancaman nyata. Strategi promosi yang masih sederhana serta rendahnya pemahaman masyarakat terhadap produk menjadi hambatan utama. Oleh karena itu, peningkatan edukasi pasar, transformasi digital, dan kerja sama eksternal menjadi langkah penting dalam memperkuat efektivitas strategi pemasaran gadai emas BSI.
Analisis Tingkat Pengangguran Terhadap Transaksi Judi Online di Indonesia: Perspektif Sosial Ekonomi Misla, Misla Nurhasanah; Syaefudin; Rolis; Rinol Sumantri; Muhammad Faris Afif; M. Iqbal
Jurnal Manajemen, Akuntansi, Ekonomi Vol. 4 No. 1 (2025): Jurnal Manajemen, Akuntansi, Ekonomi
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/jmae.v4i1.1230

Abstract

Penelitian ini bertujuan untuk menganalisis kontribusi judi online terhadap tingkat pengangguran dan dampaknya dari perspektif ekonomi Islam. Metode yang digunakan adalah kuantitatif dengan pendekatan survei dan analisis data sekunder. Hasil penelitian menunjukkan bahwa judi online memperburuk kondisi finansial masyarakat, meningkatkan kecanduan, dan pada akhirnya berkontribusi pada peningkatan pengangguran. Intervensi kebijakan diperlukan untuk menangani pengangguran dan dampak negatif judi online dalam konteks ekonomi Islam. Adanya penurunan jumlah pengangguran di Indonesia, meskipun menunjukkan tren positif, belum diiringi dengan perbaikan signifikan dalam kualitas hidup masyarakat. Banyak individu, terutama dari kalangan lulusan pendidikan menengah ke bawah, beralih ke aktivitas berisiko seperti judi online sebagai pelarian dari kesulitan ekonomi. Beberapa faktor utama penyebab pengangguran di Indonesia mencakup kurangnya lapangan kerja, keterampilan yang tidak memadai, kurangnya informasi pekerjaan, ketidakmerataan peluang kerja, dan rendahnya efisiensi pelatihan kerja oleh pemerintah.
ANALISIS TRANSFORMASI HARTA ILEGAL OLEH PEWARIS DALAM PERSPEKTIF HUKUM WARIS ISLAM: STUDI KASUS PENADAH BARANG CURIAN M. Iqbal; Ilmi, Muhammad Bahrul; Hamdani, Almanna Fikri; Chesio, Muhammad Rafli; Dalimunthe, Fitri Zalita; Tari, Rizki Kurnia
YUSTISI Vol 12 No 2 (2025)
Publisher : Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/yustisi.v12i2.19324

Abstract

In Pulau Rakyat District, precisely in Asahan Regency, there is a mother who is the principal of an elementary school. This mother turned out to be a receiver of stolen goods, which is indicated by people who often find lost chickens or ducks in their homes. Then this mother had a new strategy, where she only received stolen goods from outside the village so that other people would not find out. Then, the money from receiving stolen goods was used to buy land. Later this mother died, by her child (the heir) the assets left by the mother are now used to build houses for poor children and those who are still relatives. This research was conducted to understand that charity is one form of effort as much as we can to clean our assets and return the rights of others because the assets we do not know the owners of. This research uses a qualitative approach, the data taken is primary data that comes directly from the surrounding community. The results of this research show the application of the principle "Man Ikhtalatho Bimalihi Al-Halalu Wal Haromu Akhroja Qadarha Al-Haromi Wal Baqii Halalu Lahu" (whoever has mixed halal with haram, he must take out the amount of haram, then what is left becomes halal for him) which in its application must give charity to assets whose owners we do not know or assets obtained through haram means. This discussion certainly cannot be separated from the theory of tafriq al-halal an al-haram.
THE ANALYSIS OF DECISION OF SHARIA BANKING STUDY PROGRAM STUDENTS USING SAVINGS PRODUCTS IN CONVENTIONAL BANK Efrin Canella; Deky Anwar; M. Iqbal
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 1 No. 1 (2022): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (405.518 KB) | DOI: 10.59066/ijoms.v1i1.51

Abstract

This article is entitled Analysis of Decisions by Students of Islamic Banking Study Program Using Products in Conventional Banks (Case Study of Sharia Banking Study Program Students at UIN Raden Fatah Palembang Class of 2017-2018). This research is motivated by students who are still using savings products in conventional banks, therefore the purpose of this research is to find out the factors and causes or reasons that can influence the decisions of students majoring in Islamic banking to use Savings Products at Conventional Banks, which they should using Savings Products at Islamic Banks. In this study, a qualitative descriptive approach was used, the technique for collecting data was the field method. This study uses data namely, primary data by obtaining it through documentation and interviews with 2017-2018 students, other data in this study are secondary data obtained from primary books which are considered representative or representative of the research as complementary data from primary data. Based on the analysis of research conducted on students who use conventional bank products on the basis of awareness of the inappropriate use of Islamic banks, some respondents said that conventional bank products are more than Islamic banks, which only look at the physical side, not religiously, as said respondent, According to him, conventional bank savings products are easier to reach and the facilities are easy to find and available everywhere, even though there is an administrative fee every month, it's not a problem. From the conclusions obtained based on the results of the decisions of students of UIN Raden Fatah Palembang Islamic Banking Department Class of 2017 and 2018 who use savings products at conventional banks, namely consumer behavior consisting of consumer decision makers, consumers who like all-knowing, consumers who like discounts, consumers in making decisions. decisions but wrong As well as factors that relate directly to the Marketing Mix which consists of a Product, Price, Location, Promotion.
Pengaruh Literasi Keuangan Syariah dan Pemasaran Terhadap Pengambilan Keputusan Nasabah Melakukan Pembiayaan Mikro Di Baitul Mal Aceh Singkil M. Iqbal; Mutiah Khaira Sihotang
Journal of Islamic Economics and Finance Vol. 1 No. 3 (2023): Agustus: Journal of Islamic Economics and Finance
Publisher : STIKes Ibnu Sina Ajibarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59841/jureksi.v1i3.215

Abstract

The economic developments taking place in the world have resulted in an increasing number of financial products being offered to the public. explaining financial literacy has become increasingly complex over the last few years with the introduction of many new financial products. This requires people to have more financial knowledge to be able to address this. This is important because financial knowledge is closely related to financial behavior. Financial literacy is a component that becomes human capital that can be used in financial activities to increase the expected utility of consumption, namely behavior to increase economic welfare. The type of research used in this study is a quantitative approach. The quantitative approach is scientific research that systematically examines the parts and phenomena and their relationships. Quantitative data, namely systematic scientific research in the form of questionnaires and calculations as well as outlined in tabular form positive contribution and significant effect of Islamic financial literacy on customer decisions. From the results of the R square, which is equal to 0.770, it means that 77.0% of Islamic Financial Literacy can be explained by the customer's decision variable, while the remaining 33.0% can be explained by other variables such as education, employment status and other variables. Based on the results of previous research, the writer realizes that there are still many limitations and mistakes in this research. However, this research is expected to provide a useful contribution to the company.
PEMBERDAYAAN PEREMPUAN PESISIR DALAM MENINGKATKAN MINAT KEWIRAUSAHAAN MELALUI INOVASI OLAHAN TIRAM Wahda, Wahda; Nuraeni Kadir; Sumardi, Sumardi; Muhammad Ali; Fauziah, Fauziah; Wardhani Hakim; Asty Almaida; Isnawati Osman; Insany Fitri Nurqamar; Farhanah Ramdhani Sumardi; Baginda Hamzah; M. Iqbal
J-ABDI: Jurnal Pengabdian kepada Masyarakat Vol. 5 No. 5 (2025): Oktober 2025
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53625/jabdi.v5i5.11524

Abstract

Kelurahan Cappo di Kabupaten Barru memiliki potensi tiram yang besar, namun pemanfaatannya masih terbatas dan belum memberikan kontribusi optimal bagi ekonomi lokal. Kegiatan Pengabdian kepada Masyarakat ini berfokus pada pemberdayaan perempuan pesisir untuk meningkatkan minat kewirausahaan melalui inovasi olahan tiram bernilai tambah. Tujuannya adalah memperkuat kapasitas teknis dan manajerial kelompok perempuan pesisir dalam mengolah tiram menjadi produk unggulan, seperti nugget dan dimsum, yang berdaya saing dan ramah lingkungan. Pendekatan yang digunakan meliputi sosialisasi, pelatihan teknis dan manajemen usaha, serta evaluasi hasil kegiatan. Strategi pelaksanaan dilakukan secara partisipatif dengan metode penyuluhan, pelatihan langsung, dan pendampingan berkelanjutan. Hasil kegiatan menunjukkan peningkatan signifikan dalam pemahaman kewirausahaan, keterampilan teknis, serta kesiapan peserta membentuk kelompok usaha mandiri, yang berkontribusi terhadap penguatan ekonomi dan kemandirian perempuan pesisir.
The Importance of Al-’Ilm in Smart Society 5.0 Era: Reviews from The Qur’an and Hadith: Pentingnya Ilmu di Era Masyarakat Cerdas 5.0: Tinjauan Al-Qur’an dan Hadis Ida Fitri Anggarini; Edy Kurniawan; Moh. Ali Ridho; Suci Wulandari; M. Iqbal; Liska Lestari
RABBAYANI: Jurnal Pendidikan dan Peradaban Islami Vol. 3 No. 1 (2023)
Publisher : STAI Ma'had Aly Al-Hikam Malang

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

Abstract

Smart Society 5.0 Era is a new thing that contains good and bad impacts. The focus of this Era is to promote human resources. This research aims to analyze and roll out the urgency of science in the Smart Society 5.0 Era. This qualitative literature study was used to collect data and analyze the urgency of science by Al-Qur’an and Hadith. This research finds out that even all the chapters of the Al-Qur’an contain any educational meaning, but the researcher focuses on: 1) Surah al-Baqarah: 31; 2) Surah al Mujadalah:11; 3) Hadith narrated by al-Bukhari; 4) Hadith narrated by Ibn Majah. The conclusion is: 1) Smart Society 5.0 Era as the urgency of al-’ilm implication; 2) As Muslims must be well prepared and able to face any challenges and look for opportunities in this era; 3) A lot of silver linings in Al-Qur’an and Hadith as motivation to face this era. 4) Exploring talent to find out the urgency of science and reach glory through science. Kata Kunci: Al-’Ilm, Al-Qur’an, Hadith, Smart Society 5.0.
THE INFLUENCE OF COMPANY IMAGE, PREMIUM PRICES AND PRODUCTS ON PEOPLE'S INTEREST IN CHOOSING SHARIA LIFE INSURANCE IN PALEMBANG CITY Yolanda Adista Septiani Aksa; Ulil Amri; M. Iqbal
Indonesian Journal of Multidisciplinary Sciences (IJoMS) Vol. 2 No. 2 (2023): Indonesian Journal of Multidisciplinary Sciences (IJoMS)
Publisher : CV. Era Digital Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59066/ijoms.v2i2.579

Abstract

Company image, premium prices and products are important factors and are the goals of every company, including those in the insurance sector. Apart from being an important factor as the front guard for the continuity of the company's operation, the existence of this factor can support the increase in public interest in insurance, especially sharia life insurance in the city of Palembang. The research conducted aims to determine the influence of company image, premium prices and products on people's interest in choosing sharia life insurance in the city of Palembang, focusing on sharia life insurance customers in the city of Palembang who are or have been sharia life insurance customers in the city of Palembang as the population. . The method used in collecting data is through a questionnaire using a Likert scale. Through the characteristics of sharia insurance users with a period of less than 1 year to more than 5 years and customers who are no longer customers. The sample consisted of 120 respondents using purposive sampling technique. Path Coefficient shows that Company and Product Image have a positive and significant influence on people's interest. Meanwhile, the premium price has no positive and significant effect on people's interest in choosing sharia insurance in the city of Palembang.
Co-Authors Abdullah Abdullah Ade Setia Wati Adinda Putri Sitepu Ahmad Firdaus Lingga Ahmad Ridwan Ajeng Lestari Al Zuhri Alfonsius Ligori Keer Amzar Rafie Anastasya Sembiring Anisa Amelia Purba Arini Maulida Sitepu Arini Surbakti Astri Astri Asty Almaida Azizan Hadi Baginda Hamzah Basania Nasution Beni Satria Berthauli S. Berthauli. S Chesio, Muhammad Rafli Clarissa W Manawan Dalimunthe, Erpandi Dalimunthe, Fitri Zalita Danyl Mallisza Darmansyah Darmansyah Dea Sinta Mirela Dedek Fania Dedi . DEKY, DEKY ANWAR Devi Agustini Dewirman Prima Putra Diem, M. Junestrada Dina Maharani Dules Ery Pratama Dwi Urip Wardoyo Edy Kurniawan Efrin Canella Eko Sasmito Hadi Elrisa Barus Fachry Abda El Rahman Farhan Miswari Farhanah Ramdhani Sumardi Fatma Anggraini Lubis Fatur Rahman Fauziah Amarani Fauziah Fauziah Fitrah Nabila Aini Gina Fadhila Hamdani, Almanna Fikri Hasibuan, Syahir Afwan Hermansyah Alam Hilda Hilda Ida Fitri Anggarini Ingek Kustrian Insany Fitri Nurqamar Irfan Noor Irhammudin Isabel Maria Isnawati Osman Ivana Theo Philia Iwidya Risti Sinaga Jannah Miftahul Jodi Heryansah Juan Dini Juwita Anggraini Khairan Tuahdi Liska Lestari M. Rasyid Redho M. Tauhid S Maftukhatusolikhah Maharani Alya Maharani Syabila JR Manurung, Lora Regina Mgs Muhammad Nur Ramadhan Mhd Erpandi Dalimunthe Mhd Rizki Khairi Mikha Valdo Tambunan Mikhael Sebayang Miming Kartika Olivia Silitonga Misla, Misla Nurhasanah Moh. Ali Ridho Moy Diva Yella Muhamad Rahman Bayumi Muhammad Afdil Muhammad Ali Muhammad Bahrul Ilmi, Muhammad Bahrul Muhammad Faris Afif Muhammad Hasan Asy Ary Muhlis Muknizar, Muknizar Mutiah Khaira Sihotang MUTIARANI MUTIARANI Naurah Novita Harini Novy Ayu Trisna Nur Cahyu Azizah Nuraeni Kadir Nurul Latifah Hamzah Okky Budi Nurlita Paizaluddin Parlindungan Manik Putri Pelangi Putri Utami Damayanti PUTRI, RAFIKA Putriana Sinaga Rafi Raihan Kholid Rahmaniar Rahmaniar, Rahmaniar Rahmatang Rahmatang Ramadhani Adinda Suci Rendiano Rendiano Reni Ilma Sari Resti Yurillita Retno Aprilla Hardi Reynaldi Prameswara Reysa Zivana Hafiza Reza Praditya Pradana Rifani Khairani Pohan Rifdah Atika Pasaribu Rini Sarianti Rinol Sumantri Risal Abu Riska Riza Kania Rizka Dwi Rahmadayana Rizky Khadijah Ade Robi Arianto Rolis Romaito Reni Rudi Yacuub Ruth Hanna Sihombing Ruth Yessika Siahaan Sabriadi Safrina Safitri Said Abdullah Syahab Salsabila Amanda Salsabila Aura Santi Theresia Sinurat Saqinah Aifi Kirmala Sari Dyah Mutia Sariana Sitepu Greciya Febina Siti Sofia Sari Sri Rejeky Sitohang Suci Wulandari Sumardi . Syaefudin Syahri Ramadhan Syahrul Gunawan Syamsiar Zahrani Talita Sembiring Tari, Rizki Kurnia Tarigan Renita Maulidya Tesa Novia Siburian Ummi Amalia Upik Nurhasanah Uswah Hasanah Viola Aysiah Wahda, Wahda Wahyudi Nasution Wardhani Hakim Warikon Wasi Yakinda Benianfi Munthe Yolanda Adista Septiani Aksa Zuul Fitriani Umari ‘Ashriyani Fadhilah