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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Ekonomi Jurnal Keuangan dan Perbankan Manajemen Bisnis Kompetensi Jurnal Minds: Manajemen Ide dan Inspirasi IJIBE (International Journal of Islamic Business Ethics) EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis DERIVATIF PENELITIAN DAN KARYA ILMIAH PROSIDING SEMINAR NASIONAL CENDEKIAWAN Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Syntax Literate: Jurnal Ilmiah Indonesia JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) SENTRALISASI J-MAS (Jurnal Manajemen dan Sains) SEIKO : Journal of Management & Business JURNAL MANAJEMEN (EDISI ELEKTRONIK) Almana : Jurnal Manajemen dan Bisnis JURNAL MANAJEMEN BISNIS Jurnal Bisnis dan Akuntansi Jurnal Administrasi dan Manajemen Revitalisasi : Jurnal Ilmu Manajemen Business, Economics and Entrepreneurship Jurnal Manajemen Jurnal Ilmiah Manajemen Kesatuan International Journal of Demos Journal of Management and Bussines (JOMB) Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Mattawang: Jurnal Pengabdian Masyarakat Jurnal Ilmiah Wahana Pendidikan Jurnal Ekonomi Diversity: Jurnal Ilmiah Pascasarjana Bima Journal : Business, Management and Accounting Journal Journal of Social Research JURNAL PENELITIAN DAN KARYA ILMIAH LEMBAGA PENELITIAN UNIVERSITAS TRISAKTI PROGRESIF Economic Reviews Journal Journal of Social And Economics Research Jurnal Penelitian dan Karya Ilmiah Lembaga Penelitian Universitas Trisakti Jurnal AKAL: Abdimas dan Kearifan Lokal Jurnal Manajemen dan Pemasaran Jasa Media Riset Bisnis & Manajemen JURNAL ABDI MASYARAKAT INDONESIA (JAMIN) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Ekonomi Digital Journal of Artificial Intelligence and Digital Business Journal Research of Social Science, Economics, and Management Paradoks : Jurnal Ilmu Ekonomi Dirkantara Indonesia IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Management Analysis Journal International Journal of Accounting and Management Research (IJAMR) Asian Journal of Management, Entrepreneurship and Social Science journal of social and economic research Journal of Business and Information System
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Faktor Penentu Resiko Kredit Perbankan di Indonesia Wiguna, Utomo Adi; Wijaya, Dewi Deliana; Leon, Farah Margaretha; Lestari, Henny Setyo
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36418/syntax-literate.v10i5.58753

Abstract

Permasalahan utama dalam penelitian ini adalah kurangnya pemahaman mendalam mengenai pengaruh faktor-faktor internal dan eksternal, seperti liquidity creation, diversifikasi pendanaan bank, ukuran bank, kualitas aset, serta kondisi makroekonomi terhadap risiko kredit (Non-Performing Loans) pada industri perbankan di Indonesia. Risiko kredit yang tinggi berpotensi menyebabkan kerugian finansial signifikan dan mengancam stabilitas sistem keuangan nasional. Oleh karena itu, penelitian ini bertujuan untuk menganalisis secara komprehensif pengaruh variabel-variabel tersebut terhadap risiko kredit menggunakan data panel bank konvensional Indonesia selama periode 2019-2023. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan regresi data panel yang memungkinkan pengamatan variasi data dalam dimensi waktu dan antar entitas secara simultan, serta menggunakan software Eviews 9 untuk analisis data. Hasil penelitian menunjukkan bahwa ukuran bank, kualitas aset, dan tingkat inflasi memiliki pengaruh signifikan terhadap risiko kredit, sedangkan liquidity creation, diversifikasi pendanaan, return on asset, struktur modal, pertumbuhan pinjaman, dan produk domestik bruto tidak berpengaruh signifikan. Implikasi dari penelitian ini adalah pentingnya fokus pada peningkatan kualitas aset dan pengelolaan ukuran bank serta pengawasan kondisi makroekonomi oleh regulator untuk menekan risiko kredit, yang pada akhirnya dapat meningkatkan stabilitas dan kepercayaan dalam sistem perbankan.
Pengaruh Tata Kelola Perusahaan Terhadap Struktur Modal Di Perusahaan Consumer Non Cyclical Muhimah, Khoirul; Ardana, I Dewa Ayu Nadya Dhanari Kirana; Lestari, Henny Setyo; Leon, Farah Margaretha
REVITALISASI : Jurnal Ilmu Manajemen Vol 14 No 1 (2025): REVITALISASI : Jurnal Ilmu Manajemen
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/revitalisasi.v14i1.6732

Abstract

The purpose of this research is to analyze and provide a deeper understanding of the influence of corporate governance elements on the capital structure of non-cyclicals consumer companies listed on the Indonesia Stock Exchange. This research uses quantitative research using secondary data obtained from of company financial statements and company annual reports. This research uses a sample of companies listed on the IDX qith the non-cyclicals consumer sector for thr 2019 – 2023 period. The sample of these was 61 of companies. This results of this research indicate that board size, board meetings, firm size, tangibility, depreciation, and profitability have a negative and significant effect on capital structure. Meanwhile, board committee and age have a positive and significant effect on capital structure. In addition, there is no significant influence between board gender and capital structure.
Pengaruh Kebijakan Dewan Direksi dan Komite Audit terhadap Kinerja Perusahaan Consumer-Non Cyclicals Pitutur, Fajar Jati; Abdul Rahman, Johan Nazwar; Lestari, Henny Setyo; Leon, Farah Margaretha
REVITALISASI : Jurnal Ilmu Manajemen Vol 14 No 1 (2025): REVITALISASI : Jurnal Ilmu Manajemen
Publisher : Universitas Islam Kadiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32503/revitalisasi.v14i1.6726

Abstract

This study aims to analyze the influence of board of directors and audit committee characteristics on the performance of consumer non-cyclicals sector companies listed on the Indonesia Stock Exchange during the 2019–2023 period. The examined board of directors' characteristics include board size, gender diversity (female board), the number of board meetings, financial expertise (board financial expert), and board tenure. Meanwhile, the analyzed audit committee characteristics cover audit committee size and the number of audit committee meetings. Corporate performance is measured using return on assets (ROA). This research utilizes secondary data from financial and annual reports of 55 companies selected through purposive sampling. The findings reveal that the independent variables of female board, board financial expert, and audit committee meeting have a significant negative effect, while the independent variables of board size, board meeting, board tenure, and audit committee size have a significant positive effect on ROA. This study makes a significant contribution to corporate governance development, particularly in understanding how the characteristics of the board of directors and audit committee can support improved company performance.
Impact Of Capital Structure, Intangible Assets, And Effective Tax Rate On Corporate Performance Amirah, Nishrina Nurul; Rezalia, Vinny; Lestari, Henny Setyo; Margaretha, Farah
BIMA Journal (Business, Management, & Accounting Journal) Vol. 6 No. 1 (2025)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.6.1.683-690

Abstract

Purpose: This research investigates the effects of financial management strategies, specifically debt levels, intangible assets, and tangibility, on firm performance, measured by Return on Assets (ROA) and Tobin’s Q. It aims to delineate how these strategies influence operational efficiency and market valuation across various sectors. Methodology: Utilizing a quantitative approach, the study analyzes data from firms in infrastructure, media, and pharmaceutical sectors listed on the Indonesia Stock Exchange over 2019-2023. A fixed effects model is applied to understand the impact of financial strategies on firm performance. Results: The study finds that higher debt levels negatively affect profitability but positively influence market valuation. Intangible assets enhance operational profitability but have a mixed impact on market valuation, indicating a market challenge in valuing these assets accurately. Conversely, tangibility increases profitability but is perceived negatively in market valuation. Findings: The differential impact of financial strategies suggests that firms need to balance their asset and debt management to optimize both profitability and market perception. Novelty and Originality: This research contributes new insights into the nuanced roles of asset management in financial strategy, emphasizing sector-specific financial management practices. It highlights the complex interplay between financial decisions and firm performance, providing a nuanced understanding that aids strategic financial planning. Conclusion: Effective financial management involves balancing debt, tangibility, and intangible assets to enhance firm performance across various metrics. Future research could explore these relationships under different economic conditions and extend findings across other sectors. Type of Paper: Research Article
The Influence of Credit Risk on Bank Profitability in Indonesia Jihan Mafaza; Maharani Dheva Dwi Safitri; Eiyagina Tenika; Henny Setyo Lestari
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i1.6029

Abstract

This study aims to examine the effect of capital adequacy ratio, non-performing loan, loan loss provisions ratio, loan-to-deposit ratio, loan-to-asset ratio, bank size, and bank age on financial performance as measured by return on assets (ROA) in 35 banking companies listed on the Indonesia Stock Exchange during the period 2018-2022. The study results indicate that capital adequacy ratio, non-performing loan, loan loss provisions ratio, and bank size do not significantly affect bank financial performance. On the other hand, loan-to-deposit ratio, loan-to-asset ratio, and bank age were found to significantly impact ROA, indicating that liquidity and company age factors are important determinants in improving banking financial performance.
Impact of Theory of Planned Behavior on Financial Satisfaction Based on Fintech Performance Rowena, Janny; Usman, Bahtiar; Lestari, Henny Setyo
Dinasti International Journal of Economics, Finance & Accounting Vol. 6 No. 6 (2026): Dinasti International Journal of Economics, Finance & Accounting (January - Feb
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v6i6.5712

Abstract

The rapid development of financial technology (fintech) has significantly transformed the way individuals manage their financial activities, influencing not only their financial behaviors but also their overall financial satisfaction. Grounded in the Theory of Planned Behavior (TPB), this study aims to investigate the influence of behavioral factors including attitude attitude toward fintech, subjective norm on herding, perceived overconfidence on financial satisfaction based on fintech performance with intention to use fintech for investment as mediating variable. The study employs a quantitative research design using a survey method with a sample of 400 university students in Indonesia, representing the millennial and Generation Z demographic groups who are among the most active fintech users. Data were analyzed using Structural Equation Modeling (SEM) to test the hypothesized relationships among variables. The findings highlight that university students’ financial satisfaction in fintech investments is not solely determined by technological factors but by the interaction between attitude, social influence, confidence, and actual behavioral engagement. Positive attitudes and peer-driven norms enhance fintech adoption and satisfaction only when accompanied by meaningful usage and effective fintech performance. Conversely, overconfidence without competence may hinder satisfaction despite technological accessibility.
Pengaruh Corporate Social Responsibility terhadap Corporate Financial Performance Perusahaan Sektor Makanan dan Minuman yang Terdaftar di Bei Periode 2021-2024 Mumpuni, Bella Putri; Milenia, Nadia; Lestari, Henny Setyo
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.4908

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Corporate Social Responsibility (CSR), leverage, firm size, debt to equity ratio (DER), dan capital employed terhadap Corporate Financial Performance (CFP) pada perusahaan sektor makanan dan minuman yang terdaftar di Bursa Efek Indonesia (BEI) periode 2021–2024. Corporate financial performance dalam penelitian ini diukur menggunakan Return on Assets (ROA), sedangkan Corporate Social Responsibility diukur berdasarkan jumlah pengeluaran CSR tahunan yang dilaporkan perusahaan. Data yang digunakan merupakan data sekunder yang diperoleh dari laporan keuangan dan laporan tahunan perusahaan. Pemilihan sampel dilakukan dengan metode purposive sampling berdasarkan kriteria tertentu sehingga diperoleh 26 perusahaan yang memenuhi syarat sebagai objek penelitian. Periode pengamatan dilakukan selama lima tahun sehingga menghasilkan data panel yang dapat dianalisis secara komprehensif. Metode analisis yang digunakan dalam penelitian ini adalah regresi data panel untuk mengetahui pengaruh variabel independen terhadap kinerja keuangan perusahaan. Hasil penelitian ini diharapkan mampu memberikan bukti empiris mengenai hubungan antara Corporate Social Responsibility dan faktor-faktor keuangan terhadap kinerja keuangan perusahaan sektor makanan dan minuman. Selain itu, penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan literatur di bidang akuntansi dan keuangan, khususnya terkait implementasi CSR dan dampaknya terhadap kinerja perusahaan. Temuan penelitian ini juga diharapkan dapat menjadi bahan pertimbangan bagi manajemen perusahaan dalam merumuskan strategi CSR yang efektif serta bagi investor dalam pengambilan keputusan investasi berdasarkan kinerja keuangan dan tanggung jawab sosial perusahaan di Indonesia.
Pelaporan Keuangan Sederhana bagi UMKM KSBI Lestari, Henny Setyo; Martiningtiyas, Catur Rahayu; Ekasari, Ayu; Laksono, Wafi Suryo; Ardelia, Rahmadina
PROGRESIF: Jurnal Pengabdian Komunitas Pendidikan Vol. 5 No. 2 (2025)
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36406/progresif.v5i2.311

Abstract

The implementation of this PkM activity aims to provide training to help MSMEs improve their skills in simple digital-based financial recording in order to face competition in the industrial era 4.0. The implementation of this PkM activity was held on November 30, 2024 at the Indonesian Community Success Community (KSBI) MSME. Participants in this PkM activity were 19 active MSME actors engaged in the culinary, service and trade sectors. The initial activity was to conduct financial literacy in the form of a basic financial education workshop tailored to the needs of MSMEs. The material presented included an introduction to basic financial elements such as transaction recording, cash flow management, and the preparation of simple reports. Increasing efforts in understanding and using digital technology for financial recording was carried out through training activities focused on the introduction and guidance for using Android and Cloud-based accounting applications that were user-friendly and easy to learn. Participants who were previously unfamiliar with recording simple transactions, but after the training were able to prepare financial reports and record transactions more systematically. The results of the practice showed that approximately 75% of participants successfully prepared simple financial reports. Participant satisfaction was also high, with 85% stating that the material was highly relevant to their business needs.
The influence of financial risk on bank performance Maelanal Husna; Amelya Rahma Maulida; Henny Setyo Lestari
Journal of Business and Information Systems (e-ISSN: 2685-2543) Vol. 7 No. 2 (2025): Journal of Business and Information Systems
Publisher : Department of Accounting, Faculty of Business, Universitas PGRI Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31316/jbis.v7i2.337

Abstract

This study examines how financial risk affects the performance of banks listed on the Indonesia Stock Exchange (IDX). The research relies on secondary data sourced from the annual reports of IDX-listed banks for the 2020–2024 period. The sample comprises 36 banks, yielding 180 observations that meet the established criteria. To evaluate the proposed hypotheses, panel data analysis was conducted using E-Views 9. The independent variables include credit risk, liquidity risk, operational risk, bank size, GDP growth, and inflation. Conclusions were drawn based on the results of the panel regression model. The study finds that financial risk plays a role in shaping bank performance. Credit risk negatively impacts performance, whereas liquidity risk does not show a meaningful effect. Operational risk also negatively affects performance. Bank size, on the other hand, contributes positively to bank performance. GDP growth rate has a positive effect on banking performance, whereas inflation has no significant effect
The Role Of Ambidextrous Leadership Moderates The Effect Of Supply Chain Network Risk Drivers On Financial Performance Palguna, Arya Irawan Putra; Usman, Bahtiar; Lestari, Henny Setyo
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 5 (2025): JIMKES Edisi September 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i5.3866

Abstract

This study aims to examine the influence of supply chain network risk drivers on supply chain exploration and exploitation practices and their implications for financial performance. This research uses a quantitative approach with descriptive and verification methods. The observational units consisted of 92 executives from manufacturing companies listed on the Indonesia Stock Exchange. The findings reveal that supply chain network risk negatively impacts exploration and exploitation practices, with implications for company financial performance. Exploitation has a positive and significant impact on financial performance, whereas exploration does not exhibit a significant effect. Although the direct effect of network risk on financial performance is insignificant, ambidextrous leadership has been shown to positively and significantly moderate this relationship. The managerial implication of this study is that strengthening exploitation practices is key to maintaining financial performance when facing supply chain risks. Ambidextrous leadership plays a crucial role in transforming the impact of risks into opportunities by emphasizing the need for adaptive leadership in uncertain situations. This research is original in its study of the moderating role of ambidextrous leadership in the risk-performance relationship, a study that is still limited in operations management and supply chain studies.   Keywords: Supply Chain Network Risk Drivers, Supply Chain Exploration & Exploitation practices, Ambidextrous Leadership and Firm Financial Performance.
Co-Authors Abdul Rahman, Johan Nazwar Adawiyah, Wiwik Robiatul Adhi Nugroho Adli Saputra Aekram Faisal Afrizal Elgi Agus Budi Hartono Agustine, Elsa Aisyah Putri Nabila Akbar, Ilham Cahyo AKBAR, MAULANA Alfad Alfarizki Alfadhilo Rolandnic Korgiza Alfian Zata Thirafi Alif Satria Ichsan Alifyyah Putri Ajar Setiadi Alya Nisrina Hafsyah Amanda Jonatan Puteri Amelinda Fairuz Azura Amelya Rahma Maulida Amirah, Nishrina Nurul Amriyadi, Amriyadi Annaas Azzumar Rahman Annisa Yasmine Adeputri Badan Anton Anugrah, Fatimah Ladiza Nuradhelia Aprilriani, Giya Aprilriani, Giya Ardana, I Dewa Ayu Nadya Dhanari Kirana Ardelia, Rahmadina Asep Hermawan Ayu Ekasari Ayu Purbaningrum Ayu Wulandari Bahtiar Usman Bahtiar Usman Bahtiar Usman, Bahtiar BAMBANG SUSILO Bangun, Bastanna Erlayas Bayu Malindo Putra Budiman, Thomas Chintia, Helda Christy Yanwar Yosapat Dabo, Mia El Darmawan, Andik Rusdi Deany Putri Aprilia Deci Novesa Carani Dewi ANGGRAENI Dewi, Rosiana Dhetoriana Permatasari Dita Ayu Nurani Dita Evelyn Elintra Kloko Djaja, Kerstan Nathanael Edwiga, Taqwa Ananda Eiyagina Tenika Eki Veronika Erny Tajib Fadilla, Akhmal Aries Fajar Rahmana Faldi Rhayhan Fanu, Ridhan Azka Hani FARAH MARGARETHA Farah Margaretha Farah Margaretha Leon FARDINI RAHMA DEWI Fariz Alfiknacio Abdat Ferina Ainul Latiefa Fibby Luthfia Georgina Maria Tinungki Hadyan, Kamal Hani Ismahdiani Hartini Haura Raihana Tsani Effendi Hendro Prasetio Herman Situmorang Ida Susanti Idrianita Anis Ignatius, Bayiuaji Ilham Abadi Indra Maulana Indra Saputra Indri Ilma Yuannitha Indri Safitri Indriyantini, Dhiya Faza Ivan Wiryawan Jamaludin . Jannatul Mawah, Nana Jerry Ananta Ginting Jihan Mafaza Joseph Hendryawan Krisantanu Splendid JR. Dwi Mas Sukma Agung Karnasi, Reniati Kemal Reza Khaerunissa, Dinda Kholis, Muhammad Shofy Muhaiminu Kurnia Yuniarti Kurniawan Putra Perdana Kurniawati, Novia Krida Kusumo, Prasetiyo Hadi Laksono, Wafi Suryo Latifah Herman Leon, Farah Margaretha Limbong, Yolanda Maelanal Husna Maharani Dheva Dwi Safitri Maharestu, Aruna Ardya Mahsa Hisanah Dalilah Maria Albertina Dewanti Eston Marji Uliansyah Martiningtiyas, Catur Rahayu Mega Mersela Mela Aryasari Mendieta, Ariska Carollina Milah Fadhilah Kusuma Fasihu Milenia, Nadia Muhamad Albarr Khairan Muhammad Akmal Alauddin Muhammad Evirel Frasya Muhammad fauzan Muhammad Rizki Zhafran Muhammad Rizky Muhimah, Khoirul Mumpuni, Bella Putri Mutyarawati, Herlita Nabilah Salma Hersyandana Nadia Trisanti Nida Abdilla Ritonga nirdukita ratnawati, nirdukita Noviana Dwi Mas'ula Nurhaliza, Riqqah Nurizka Anindia Nurul Inayah Nuury Nurmelia Oscar, Yosia Palguna, Arya Irawan Putra Panjaitan, Zulkarnain Pertiwi, Silva Nurbaiti Perwitasari, Indah Pitoyo, Mikha Merianti Pitriana, Ida Pitutur, Fajar Jati Powell Gian Hartono Pradana, Firmansyah Adhitya Pramesti Baskoro Dewi Pratama, Bayu Aji Pratama, Kelvin Purwidyasari, Scholastica Meillia Puspita, Grace Febiola Putra, Daffa Ikhsan Putri, Fara Ghassani Putri, Rizky Anugrah Putut Jatmiko Raas, Asdi Aprilian Husnadarari Rafi Altaf Tjaputra Rahadiansyah, Reska Budi Rahmadina Ardelia Rahmawati Rahmawati Ramadhanti, Mutiara Reniati Karnasi Renny Risqiani Reskika, Nadira Rezalia, Vinny Rian Rizki Hidayat Riantino Septian Ricardo, Wilson Richy Wijaya Rika Maryani Rina Hartanti Ringke Dirdia Rizki Amelia Rizky Ramzi Rahmawan Romanista Purba Rosidah Panjaitan Rowena, Janny Safitri, Dilla Ulfiani Sajida, Yusrina Almas Sarah Ayu Larasati Sastraprawira, Mohamad Zahran Danes Seno Banyu Aji Yudha Pratama Serly Permatasari Setyarini, Intan Sihite, Sola Grace Lasmaria Simamora, Asnita Srie Wijihastuti Subri, Ahadi Suhardono, Adhyatma Ndaru Susy Muchtar Syahid, Aliah Muthiah Syahpria, M Fadly Syarlla Martiza Eka Putri Syofriza Syofyan Tambunan, Alexandria Leonard Tiara Puspa Tiarapuspa Trisnawati Trisnawati Veren Velicia Natalie Veronika Mutianingsih Vivian Vivian Wardana, Nofrizal Bagas Wicaksono, Ignatius Henry Wiguna, Utomo Adi Wijaya, Dewi Deliana Wina Wiwi Handayani Wulansari Dewi Y. Agus Bagus Budi N YANTO YANTO Yasminawati, Anjani Yudha Pratama Hendrawan Yunita Kusumaningrum Yunita Kusumaningrum Yusfania, Bilkis Yusia Bela Zulfa Sukainah