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All Journal Krisna: Kumpulan Riset Akuntansi Jurnal Ilmiah Manajemen "E M O R" INVENTORY: JURNAL AKUNTANSI Jurnal Manajerial Al-Kharaj: Journal of Islamic Economic and Business Dinasti International Journal of Digital Business Management Wacana Ekonomi : Jurnal Ekonomi, Bisnis dan Akuntansi Solusi: Jurnal Kajian Ekonomi dan Bisnis Studi Ilmu Manajemen dan Organisasi Jurnal Media Informatika Jurnal Arastirma juremi: jurnal riset ekonomi ProBisnis : Jurnal Manajemen Jurnal Minfo Polgan (JMP) International Journal of Islamic Business and Management Review Journal of Innovation Research and Knowledge Jurnal Ilmiah Akuntansi dan Keuangan (JIAKu) Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Indonesian Journal of Contemporary Multidisciplinary Research Mandiri: Jurnal Akuntansi dan Keuangan Benefit : Journal of Bussiness, Economics, and Finance International Journal of Asian Business and Management (IJABM) Indonesian Journal of Multidisciplinary on Social and Technology Indo-Fintech Intellectuals: Journal of Economics and Business JPNM : Jurnal Pustaka Nusantara Multidisiplin Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Aplikasi Perpajakan Journal of Culture Accounting and Auditing Jurnal Pengabdian Masyarakat dan Riset Pendidikan Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Journal of Innovative and Creativity Branding: Jurnal Manajemen & Bisnis Journal of Ekonomics, Finance, and Management Studies Jurnal Pustaka Cendekia Hukum dan Ilmu Sosial KINERJA : Jurnal Ekonomi dan Bisnis Jurnal Ekonomi dan Bisnis Jurnal Ekonomi, Manajemen, Akuntansi Nomico Dhana Arthatama: Journal of Business Management and Accounting
FRASTO BIYANTO
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Generation Z's Intention to Join State-Owned Enterprises (BUMN): The Role of Employer Branding, Work-Life Balance, and Work Environment Dwi Nuriya Aini; Frasto Biyanto; Miswanto
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11373

Abstract

This study examines the influence of employer branding, work–life balance, and work environment on Generation Z's intention to join Indonesian State-Owned Enterprises (BUMN). A quantitative approach was employed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS. The sample consisted of 200 Generation Z respondents aged 20–28 years who had participated in at least one BUMN recruitment process. Data were collected through an online questionnaire using purposive sampling. The results indicate that employer branding (β = 0.432; p < 0.001), work–life balance (β = 0.395; p < 0.001), and work environment (β = 0.457; p < 0.001) positively and significantly influence intention to join BUMN. Among the predictors, work environment has the strongest effect. Furthermore, the three variables simultaneously explain 55.1% of the variance in intention to join (R² = 0.551). These findings suggest that Generation Z evaluates prospective employers not only based on job security and compensation but also on organizational reputation, workplace flexibility, and supportive work environments. The study contributes to the literature on Generation Z career preferences in the public sector and provides practical implications for BUMN organizations in designing recruitment and talent management strategies
Institutional Trust, Ethical Governance, and Public Sector Performance in Timor-Leste Novia Rosa de Sousa; Miswanto; Frasto Biyanto; Baldric Siregar
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11422

Abstract

Purpose: This study aims to analyze the influence of ethical governance and HRM practices on public sector performance, with institutional trust as a mediating variable, among public sector employees in Timor-Leste. Methods: This study employed a quantitative explanatory approach using purposive sampling, involving 150 respondents who work as civil servants across ministries and government agencies in Timor-Leste. Data were collected through a five-point Likert-scale questionnaire and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS 3. Results: The results show that ethical governance and HRM practices have a positive and significant effect on institutional trust, while their direct effects on public sector performance are not significant. Institutional trust, in turn, has a positive and significant effect on public sector performance and fully mediates the relationship between both ethical governance and HRM practices toward performance. Implications: These findings suggest that public sector institutions in Timor-Leste should prioritize building institutional trust as a strategic mechanism to translate ethical governance and human resource practices into improved organizational performance, rather than relying on these practices alone.
Between Global Economic Shocks and Institutional Capacity: Explaining Fiscal Resilience in Timor-Leste Egídio Maria de Jesus Gomes; Frasto Biyanto; Miswanto; Baldric Siregar; Ananias Barreto; Helio Augusto da C. Xavier Mauquei; Apolinario Magno
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11771

Abstract

Timor-Leste faces significant fiscal challenges arising from its heavy dependence on petroleum revenues, exposure to global economic shocks, and the need to strengthen institutional capacity in the post-conflict development period. This study examines the effects of global economic dynamics and institutional capacity on fiscal resilience in Timor-Leste. A quantitative cross-sectional research design was employed using a structured Likert-scale questionnaire administered to 200 academics selected through stratified random sampling from accredited universities in Timor-Leste. The data were analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) with SmartPLS 4.0. The measurement model demonstrated satisfactory reliability and validity, while the structural model exhibited strong explanatory power (R² = 0.705). The findings reveal that global economic dynamics have a significant negative effect on fiscal resilience (β = −0.715, p < 0.001), whereas institutional capacity has a significant positive effect on fiscal resilience (β = 0.459, p < 0.001). Together, both variables explain approximately 70.5% of the variance in fiscal resilience, indicating that external economic conditions and institutional quality are key determinants of fiscal sustainability in Timor-Leste. These findings highlight the importance of reducing dependence on petroleum revenues while strengthening public financial management, governance quality, and institutional effectiveness to enhance fiscal resilience. The study contributes to the literature on fiscal resilience in resource-dependent small states and provides evidence to support policy reforms aimed at improving long-term fiscal sustainability.
Analyzing Factors Influencing the Success of Currency Redenomination in Indonesia: A Literature Review Intan Anindya Pramytha; Ula Restu Rafifah; Atika Jauharia Hatta; Alfredo Dos Santos; Frasto Biyanto
International Journal of Islamic Business and Management Review Vol. 5 No. 1 (2025)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibmr.v5i1.1381

Abstract

This study aims to analyze the factors that affect the success of currency redenomination, focusing on the Indonesian context. The method used was a literature study in which 30 articles related to redenomination were reviewed to understand this topic comprehensively. The study results showed that factors such as inflation rate, risk of redenomination, public understanding, currency changes, and psychographic aspects significantly affected the success of redenomination. The contribution of this research lies in providing an in-depth analysis of the implementation of redenomination in Indonesia and policy recommendations that can aid in successful implementation, as well as providing a broader perspective on the practice of redenomination in various economic contexts.
Evaluating the Effectiveness of PBB-P2 Administrative Modernization on Taxpayer Compliance Levels in Bantul Regency Darmawan Purwana; Baldric Siregar; Miswanto Miswanto; Frasto Biyanto
Dhana Vol. 3 No. 2 (2026): DHANA - JUNE
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/redpyf23

Abstract

This study aims to examine the impact of digital transformation in the management of Rural and Urban Land and Building Tax (PBB-P2) on taxpayer compliance in Bantul Regency. The modernization studied includes the digitization of payment channels, database system updates, and innovation in tax services. A quantitative approach was applied, involving 100 taxpayer respondents spread across five sub-districts. Data analysis used multiple regression tests with mediation and moderation approaches. The research findings indicate that administrative modernization has a significant positive influence on taxpayer compliance, both directly and indirectly through increased perceptions of service ease. In addition, taxpayer income levels have been shown to moderate the relationship between modernization and compliance. The implications of these results emphasize that the acceleration of service digitalization needs to be accompanied by strengthening supporting infrastructure and ongoing outreach.
Transformasi Tata Kelola Pemerintahan melalui Kerja Sama Daerah: Studi pada Pemerintah Kota Yogyakarta Eko Sutanti; Miswanto Miswanto; Frasto Biyanto
Mandiri : Jurnal Akuntansi dan Keuangan Vol. 5 No. 2 (2026): Juni 2026
Publisher : Lembaga Riset Ilmiah, Yayasan Mentari Meraki Asa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jak.v5i2.1794

Abstract

Penelitian ini menganalisis transformasi tata kelola pemerintahan di Kota Yogyakarta periode 2016–2025 melalui perspektif collaborative governance dan network governance. Berbeda dengan penelitian sebelumnya yang berfokus pada implementasi kerja sama daerah pada sektor tertentu, studi ini memanfaatkan data longitudinal kerja sama daerah untuk menelusuri dinamika transformasi tata kelola pemerintahan. Penelitian menggunakan pendekatan kuantitatif deskriptif yang dipadukan dengan governance analysis. Analisis dilakukan berdasarkan empat indikator, yaitu intensitas kerja sama, dominasi Perjanjian Kerja Sama (PKS), keragaman bidang urusan pemerintahan, dan perluasan jejaring kemitraan multipihak. Data diperoleh dari basis data kerja sama daerah, dokumen kerja sama, laporan monitoring dan evaluasi, serta dokumen perencanaan pembangunan daerah Pemerintah Kota Yogyakarta. Hasil penelitian menunjukkan bahwa kerja sama daerah telah bergeser dari instrumen administratif menjadi instrumen strategis tata kelola pemerintahan. Dominasi PKS menunjukkan orientasi implementasi yang semakin kuat, sedangkan meningkatnya keterlibatan pemerintah, perguruan tinggi, dunia usaha, dan masyarakat mencerminkan perluasan jejaring kolaboratif. Penelitian ini menegaskan bahwa perkembangan kerja sama daerah dapat menjadi indikator transformasi tata kelola pemerintahan serta memberikan masukan bagi pemerintah daerah dalam merancang kebijakan kerja sama yang lebih kolaboratif guna memperkuat kapasitas kelembagaan dan kualitas pelayanan publik.   This study examines the transformation of local governance in Yogyakarta City during 2016–2025 through the perspectives of collaborative governance and network governance. Unlike previous studies focusing on the implementation of regional cooperation in specific sectors, this research employs longitudinal regional cooperation data to analyze governance transformation. A descriptive quantitative approach combined with governance analysis was applied using four indicators: cooperation intensity, the predominance of Cooperation Agreements (Perjanjian Kerja Sama/PKS), diversity of governmental affairs, and expansion of multi-stakeholder partnership networks. Data were collected from regional cooperation databases, cooperation documents, monitoring and evaluation reports, and regional development planning documents. The findings reveal that regional cooperation has evolved from an administrative mechanism into a strategic governance instrument. The predominance of PKS reflects a stronger implementation-oriented approach, while increasing participation by government agencies, universities, the private sector, and civil society indicates broader collaborative networks. The study demonstrates that the evolution of regional cooperation can serve as an indicator of governance transformation. These findings contribute to the literature on collaborative and network governance while providing practical guidance for local governments to design more collaborative regional cooperation policies that strengthen institutional capacity and improve public service delivery.  
Pengaruh Implementasi Sistem Coretax dan Literasi Perpajakan terhadap Kepatuhan Pelaporan Wajib Pajak Orang Pribadi di Lingkungan Universitas Kristen Duta Wacana Megantoro Effendi; Baldric Siregar; Miswanto; Frasto Biyanto
JPNM Jurnal Pustaka Nusantara Multidisiplin Vol. 4 No. 3 (2026): July : Jurnal Pustaka Nusantara Multidisiplin (ACCEPTED)
Publisher : SM Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59945/jpnm.v4i3.1496

Abstract

Penelitian ini menganalisis pengaruh implementasi sistem Coretax dan literasi perpajakan terhadap kepatuhan pelaporan wajib pajak orang pribadi di lingkungan Universitas Kristen Duta Wacana. Penelitian menggunakan pendekatan kuantitatif dengan survei terhadap 73 karyawan yang dipilih melalui purposive sampling. Data primer dikumpulkan menggunakan kuesioner berskala Likert dan dianalisis dengan regresi linear berganda. Instrumen penelitian menunjukkan reliabilitas sangat tinggi, dengan nilai Cronbach's alpha sebesar 0,925 untuk implementasi Coretax, 0,935 untuk literasi perpajakan, dan 0,952 untuk kepatuhan pelaporan. Hasil pengujian simultan menunjukkan bahwa implementasi Coretax dan literasi perpajakan secara bersama-sama berpengaruh signifikan terhadap kepatuhan pelaporan, dengan nilai F sebesar 34,991 dan signifikansi kurang dari 0,001. Model menjelaskan 50,0 % variasi kepatuhan. Secara parsial, implementasi Coretax tidak berpengaruh signifikan dengan koefisien -0,097 dan signifikansi 0,193. Sebaliknya, literasi perpajakan berpengaruh positif dan signifikan dengan koefisien 0,617 dan signifikansi kurang dari 0,001. Temuan menunjukkan bahwa digitalisasi administrasi belum otomatis meningkatkan kepatuhan pada fase awal implementasi. Efektivitas Coretax perlu diperkuat melalui edukasi, pendampingan, penyederhanaan prosedur, peningkatan kualitas layanan, dan penyempurnaan teknis yang berkelanjutan bagi seluruh pengguna, khususnya wajib pajak yang sedang beradaptasi dengan perubahan sistem administrasi perpajakan digital.
Pengaruh Penggunaan Fintech dan Literasi Keuangan terhadap Risiko Fraud pada Pengguna Layanan Keuangan Digital di DIY Maghfira Ghina Pangesti; Baldric Siregar; Miswanto; Frasto Biyanto
Surplus: Jurnal Ekonomi dan Bisnis Vol. 5 No. 1 (2026): Juli-Desember 2026
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v5i1.2331

Abstract

Perkembangan layanan keuangan digital melalui financial technology (fintech) meningkatkan kemudahan transaksi, namun juga memunculkan risiko fraud akibat meningkatnya peluang penyalahgunaan teknologi. Penelitian ini bertujuan menganalisis pengaruh penggunaan fintech dan literasi keuangan terhadap risiko fraud pada pengguna layanan keuangan digital di Daerah Istimewa Yogyakarta. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei. Populasi penelitian adalah pengguna layanan keuangan digital di Daerah Istimewa Yogyakarta dengan sampel sebanyak 105 responden yang dipilih menggunakan purposive sampling. Instrumen penelitian berupa kuesioner skala Likert 1 sampai 4. Data dianalisis menggunakan regresi linier berganda melalui uji validitas, reliabilitas, asumsi klasik, uji t, uji F, dan koefisien determinasi. Hasil penelitian menunjukkan bahwa penggunaan fintech berpengaruh positif dan signifikan terhadap risiko fraud, sedangkan literasi keuangan berpengaruh negatif dan signifikan terhadap risiko fraud. Secara simultan, kedua variabel berpengaruh signifikan terhadap risiko fraud dengan kontribusi sebesar 51,3 persen. Kesimpulan penelitian ini menunjukkan bahwa peningkatan penggunaan fintech perlu diimbangi dengan penguatan literasi keuangan untuk mengurangi risiko fraud digital.
Pengaruh Pengungkapan ESG terhadap Kinerja Keuangan Dan Nilai Perusahaan: Peran Moderasi GCG dan Perbedaan Sektor Energi-Teknologi Mutiara Susyyani; Baldric Siregar; Frasto biyanto; Miswanto
Surplus: Jurnal Ekonomi dan Bisnis Vol. 5 No. 1 (2026): Juli-Desember 2026
Publisher : Yayasan Pendidikan Tanggui Baimbaian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71456/sur.v5i1.2332

Abstract

Studi ini bertujuan mengkaji dampak pengungkapan Environmental, Social, and Governance (ESG) terhadap dua dimensi kinerja perusahaan, yaitu kinerja keuangan dan nilai perusahaan, pada emiten sektor energi dan teknologi yang listing di Bursa Efek Indonesia sepanjang tahun 2021 hingga 2024. Lebih lanjut, penelitian ini turut mengeksplorasi sejauh mana Good Corporate Governance (GCG) mampu memperkuat atau memperlemah relasi antara ESG dengan kinerja perusahaan melalui perannya sebagai variabel moderasi, serta menguji apakah pengaruh ESG tersebut berbeda antara sektor energi dan sektor teknologi. Kinerja keuangan direpresentasikan oleh dua rasio profitabilitas, yakni Return on Assets (ROA) dan Return on Equity (ROE), sementara nilai perusahaan diwakili oleh Tobin's Q. Penelitian ini mengadopsi paradigma kuantitatif dengan teknik analisis regresi data panel terhadap 19 perusahaan (76 observasi) yang dipilih melalui metode purposive sampling. Model estimasi ditentukan melalui Uji Chow, Hausman, dan Lagrange Multiplier, menghasilkan Common Effect Model untuk ROA, Fixed Effect Model untuk ROE, dan Random Effect Model untuk Tobin's Q. Hasil penelitian menunjukkan bahwa ESG berpengaruh signifikan negatif terhadap ROE, namun tidak berpengaruh signifikan terhadap ROA maupun Tobin's Q. GCG terbukti memoderasi secara signifikan hubungan ESG dengan ROE, yaitu meredam dampak negatif tersebut, tetapi tidak signifikan pada ROA maupun Tobin's Q. Sementara itu, pengujian perbedaan pengaruh ESG antar sektor energi dan teknologi tidak menemukan bukti yang signifikan secara statistik, meskipun teramati pola arah pengaruh yang berlawanan antara kedua sektor. Temuan ini mengindikasikan bahwa pengaruh ESG terhadap kinerja perusahaan bersifat selektif dan sangat bergantung pada kualitas tata kelola perusahaan.
Pengaruh Media Sosial, Iklan Online dan Promosi Terhadap Minat Beli Konsumen. Adelia Fernandes; R. Stefanus Seno Bagus W; Miswanto Miswanto; Baldric Siregar; Frasto Biyanto; Rita de Fátima V. da Silva
Jurnal Media Informatika Vol. 6 No. 3 (2025): Jurnal Media Informatika
Publisher : Lembaga Dongan Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55338/jumin.v6i3.6479

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh media sosial, iklan online, dan promosi terhadap minat beli konsumen di wilayah Seturan, khususnya pada individu yang telah terpapar iklan digital dan aktif melakukan transaksi secara online. Pendekatan kuantitatif digunakan dengan motode survei, melibatkan 150 responden yang dipilih melalui teknik purposive sampling. Data dianalisis menggunakan Partial Least Squares-Structural Equation Modeling (PLS-SEM) dengan bantuan software SmartPLS 4. Hasil analisis menunjukkan bahwa ketiga variabel independent, yaitu media sosial, iklan online, dan promosi, memiliki pengaruh positif terhadap minat beli konsumen. Temuan ini memperkuat teori Hierarchy of Effects yang menjelaskan bahwa eksposur terhadap komunikasi pemasaran dapat membentuk persepsi kognitif, afektif, hingga konatif yang mendorong terjadinya pembelian. Penelitian ini memberikan kontribusi terhadap pengembangan strategi pemasaran digital yang efektif dalam meningkatkan niat beli konsumen.
Co-Authors Adelia Fernandes Al.Patriot Putera Mahendra Alda Yuliana Alfredo Dos Santos Amilerienza Ningo Ana Marcal Anacleto Roberto Carolina Soares Anacleto Roberto Carolina Soares Ananias Barreto Ance Costansa Rajabuan Andria Indah Maharani Anjar Surdiyani Apolinario Magno Arief Budiarto Atika Jauhari Hatta Atika Jauharia Hatta Hambali Baldirc Siregar Baldric Siregar Baldric Siregar Baldric Siregar Baldrich Siregar Baldrick Siregar Banutama, Berty Baquita M. G. Pereira Beby Ayu Wardhani Bonifacio José Tilman Bria, Anggelina Yuniance Bunga Vidyaningrum Darmawan Purwana Davia Mia Amanda Deden Iwan Kesuma Deranika Ratna Kristiana Devi Tri Nugraheni Dewi, Risma Wati Dimençia Canossa Da Costa Amaral Dwi Nuriya Aini Edigar Filipe Pereira Efri Nurmalinda Egídio Maria de Jesus Gomes Eko Sutanti Endarwati Endarwati Ernawan Septia Putri Ussholehah Ferdya Bayu Nugroho Fithratun Nuha Tsabita Francisco Martins Da Silva Gabriela Rosellini Wisnu Geraldin Helio Augusto da C. Xavier Mauquei Hernandi J Inesa Novika Putri Intan Anindya Pramytha Irma Oktarina Safitri Jatinugroho, Robertus Cahyo Junaidi Affan Kamilia Octa Murni Khaeril Azmi Khotimatul Barki klariadi kla Kyla Narinta Safitri Maghfira Ghina Pangesti Mahendra, Rizky Cahya Mario Da Costa Mbete, Roselina Lucia Ketty Megantoro Effendi Meiliasari, Vika Metilda Dwi Putri Landang Mimi Meriami Br Pane Miswanto Miswanto Muhammad Nabil Bouxit Muji Setyo Jatmiko Muqorrobien Marufi Mutiara Susyyani Natalia Geulis N.P Neno, Yohanes Robinsius NENTA, YOSEP ARMANDO Ni Kadek Dwi Ervina Nopi Handayani Novia Rosa de Sousa Nugraha, Mochamad Saddam Ilyas Nurlaila Puspa Ramadhani Perdana, Oksa Wisnu Pinto, Leonardo Pramushinta, Anggara Priska Putri Parungky Putra, Gregorius Okta Putri, Ajeng Kharisma R. Stefanus Seno Bagus W Rahmawaty, Anisa Reni Sara Indrawati Reswara, Hening Hasna Ridho Fiky Ardandi Rifki Putra Hidayat Rita de Fátima V. da Silva Rizka Ageng Pertiwi Romadhona Ana Maghfiroh Rosalina Deviyanti Rudy Badrudin Santosa, Harjuna Cipta Satriyo Nugroho Sempati May Al-Farrasi Setiawan Maini, Salesiana Shandhi Alamsyah Shilfiyana, Dhindha Soares, Casimiro Soares, Luis Americo Syamsuddin Syamsuddin Tandinus Murib Tekat Sukomardojo Terra, Inai Totok Wijayanto, Totok Ula Restu Rafifah Vani Oktafiani Vita Violita Lestari Winarto, Wing Wahyu Wulandari, Amalia Dewi Ximenes, Antonio Yondik Army Pratama YUSTI PUJISARI Yusti Pujisari Yusti Pujisari Yusti Pujisari Zahra, Zulfa Putri Az-