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All Journal AL-Daulah Jurnal Diskursus Islam Laa Maisyir Jurnal Ekonomi Islam Jurnal Pilar Jurnal Al-Qadau: Peradilan dan Hukum Keluarga Islam Alami Journal (Alauddin Islamic Medical) Journal SENTRALISASI Journal of Health Science and Prevention JURNAL PENDIDIKAN TAMBUSAI Khatulistiwa: Journal of Islamic Studies YUME : Journal of Management Jurnal Ilmiah Penegakan Hukum Iqtishoduna: Jurnal Ekonomi Islam Al-Maslahah Al-Musthofa: Journal of Sharia Economics At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Jurnal Ekonomika Journal of Management and Business Innovations Al-Kharaj: Journal of Islamic Economic and Business Mu'amalat: Jurnal Kajian Hukum Ekonomi Syariah Al-Azhar Journal of Islamic Economics Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Al-Ahkam : Jurnal Hukum Pidana Islam Al-Iqra Medical Journal : Jurnal Berkala Ilmiah Kedokteran Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Jurnal Ekonomika Jurnal Ar-Ribh J-Alif : Jurnal Penelitian Hukum Ekonomi Syariah dan Budaya Islam Media Publikasi Promosi Kesehatan Indonesia (MPPKI) Jurnal Iqtisaduna Al-Buhuts (e-journal) Healthy Tadulako Journal (Jurnal Kesehatan Tadulako) Islamic Accounting and Finance Review Jurnal Ekonomi Syariah dan Bisnis Formosa Journal of Sustainable Research (FJSR) Tadayun: Jurnal Hukum Ekonomi Syariah Islamic Economic and Business Journal Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) POLICY, LAW, NOTARY AND REGULATORY ISSUES (POLRI) Al-Maqashid: Journal of Economics and Islamic Business Mutanaqishah: Journal of Islamic Banking Indonesian Journal of Contemporary Multidisciplinary Research AL-QIBLAH: Jurnal Studi Islam dan Bahasa Arab Innovative: Journal Of Social Science Research Moneta: Jurnal Manajemen & Keuangan Syariah Madani: Multidisciplinary Scientific Journal Business and Investment Review JPNM : Jurnal Pustaka Nusantara Multidisiplin HUMANITIS : Jurnal Humaniora, Sosial dan Bisnis AL-SULTHANIYAH Jurnal Ekonomi dan Bisnis Riwayat: Educational Journal of History and Humanities Socius: Social Sciences Research Journal JSE: Jurnal Sharia Economica Al-Jadwa: Jurnal Studi Islam Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Maslahah: Jurnal Manajemen dan Ekonomi Syariah JEBD Anayasa Santri : Jurnal Ekonomi dan Keuangan Islam Kanun: Jurnal Ilmu Hukum Cross-Border Journal of Business Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah At Tawazun Jurnal ekonomi Islam International Journal of Islamic Studies Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Intelek Insan Cendikia Indonesian Journal of Management Studies Jurnal Cendekia Ilmiah PESHUM Wasīlah: Journal Of Sharia Sciences HISAB: Jurnal Akuntansi Lembaga Keuangan Syariah
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Dana Pensiun Syariah Azmi Yusriyah Naurah; Mukhtar Lutfi
Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Vol. 3 No. 1 (2025): Februari: Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/jupiekes.v3i1.2108

Abstract

Pension funds are an important instrument in financial planning designed to provide financial security for individuals after entering retirement. The main function of pension funds is as a reliable source of income to meet living needs in old age, as well as contributing to the quality of life and individual welfare. Research shows that pension funds can reduce financial risks, such as job loss and unexpected conditions that can interfere with work ability]. In addition, employees who prepare well for their retirement funds tend to experience lower levels of anxiety as they approach retirement, which shows that good planning can improve the quality of life]. The existence of pension funds also contributes to social and economic welfare, with adequate pension guarantees that can increase household consumption and support economic growth.. In the context of sharia pension funds, fund management is carried out based on sharia principles which prohibit the practice of usury and gharar, and implement transparency and social responsibility. The application of sharia contracts in the management of sharia pension funds, such as murabahah contracts, allows management in accordance with Islamic ethical principles. Sharia financial literacy is also a key factor in increasing public participation in sharia pension fund programs. Thus, effective retirement fund planning not only meets basic needs in old age, but also contributes to social and economic well-being, and improves the quality of life of individuals.
Transformasi Teknologi Blokchain Dalam Sistem Keuangan Syariah Pada Bank Syariah Indonesia KC Msakassar Sulawesi Selatan (Perspektif Fikih Muamalat) Muhajir, Ahmad; Lutfi, Mukhtar; M, Misbahuddin; Haddade, Abdul Wahid; Syatar, Abd
Madani: Jurnal Ilmiah Multidisiplin Vol 3, No 1 (2025): February
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.14771226

Abstract

This study aims to examine the transformation of blockchain technology within the Islamic financial system at Bank Syariah Indonesia, Makassar Branch, South Sulawesi (from the perspective of fiqh muamalat). The specific objectives of this research are: 1) To analyze the presence and application of blockchain technology in Indonesia's Islamic financial system. 2) To explore the perspective of Fiqh Muamalat regarding the feasibility of utilizing blockchain technology in the Islamic financial system. 3) To identify opportunities and challenges in implementing blockchain technology within the Islamic financial sector. This research employs a qualitative method with a descriptive approach. The findings indicate that: 1) Blockchain has the potential to enhance efficiency, transparency, and reliability in financial systems; however, its implementation in the Islamic sector is hindered by unclear regulations and the necessity to adhere to Sharia principles. 2) The perspective of fiqh muamalat at Bank Syariah Indonesia Makassar recognizes blockchain's potential to support Islamic finance, provided it is designed in compliance with Sharia values. 3) Blockchain technology offers opportunities such as increased transparency, efficiency, financial inclusion, and innovation in Islamic financial products, while its challenges include regulatory readiness, infrastructure development, resistance to change, and data security and privacy.
IMPLEMENTATION OF LA DARAR WA LA DIRAR RULES IN THE SYIRKAH MUDHARABAH CONTRACT : CASE STUDY OF KAMPOENG KULINER MAKASSAR M. Fadel, M. Fadel; Lutfi, Mukhtar; Misbahuddin, Misbahuddin
ANAYASA : Journal of Legal Studies Vol. 2 No. 2 (2025): ANAYASA
Publisher : PT. Altin Riset Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61397/ays.v2i2.199

Abstract

The purpose of this research is to analyze the application of the La Darar Wa La Dirar principle in the syirkah mudharabah contract at Kampoeng Culinary Makassar. This research uses a qualitative approach with normative / shar'i, phenomenological, and sociological methods. Informants include managers, employees, and investors of Kampoeng Culinary Makassar, as well as customers, business experts, and muamalah. Data collection techniques were conducted through observation, interviews, and documentation, while data analysis included data reduction, data presentation, and conclusion drawing. The results showed that: (1) The contract implementation mechanism at Kampoeng Culinary Makassar is good, although there are still obstacles that need to be improved to prevent darar between the manager and Sohibul Māl. The process includes four stages: written agreement, fund collection, profit sharing, and contract dissolution. (2) Management efforts in applying the principle of Lā Darār Wa Lā Dirār include the presentation of business proposals, profit and loss projections, cooperation MoUs, the use of cloud-based cashier technology, monthly financial reports, and evaluation meetings with investors. (3) The obstacles faced include the large number of investors, miscommunication in understanding the contract and profit sharing, investors' lack of understanding of financial statements, and unpreparedness to accept the risk of loss. The solutions implemented are consultation, socialization, education, and provision of information to related parties.
Prinsip Syariah dalam Pengelolaan Akad untuk Transaksi Ekonomi Islam Sufiana Fahmi; Mukhtar Lutfi; Amiruddin K
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1233

Abstract

Akad is an essential element in Islamic economic transactions as it serves as the foundation of the agreement between the involved parties. The underlying principles of Sharia in managing contracts include justice, honesty, equality, and trust, with the aim of creating fair transactions in accordance with Islamic law. This article aims to examine the principles of Sharia in managing contracts and their implementation in various forms of Islamic economic transactions, such as Islamic banking, microfinance, and Shariah compliant capital markets. The qualitative approach is used with normative analysis of classical and contemporary Islamic literature, as well as a review of modern practices. The study's findings indicate that proper Shariah-compliant contract management not only ensures the legality of transactions but also enhances trust and blessings in economic activities. By understanding these principles, it is hoped that the community and economic players can implement contracts more wisely and responsibly.
Peran Strategis Baitul Maal Wat Tamwil dalam Menyediakan Pembiayaan Syariah Berbasis Leasing dan Modal Ventura Afna Eka Widyastuti; Mukhtar Lutfi
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1235

Abstract

This study aims to analyze the strategic role of Baitul Maal Wat Tamwil (BMT) in providing leasing based sharia financing (ijarah) and ventura capital (mudharabah and musyarakah) for Micro, Small and Medium Enterprises (MSMEs) in Indonesia. BMT functions as a microfinance institution that provides solutions to the capital challenges faced by MSMEs, including lack of access to conventional financing and low sharia financial literacy. Through the leasing scheme, BMT facilitates the rental of assets needed by MSMEs without requiring large initial capital. Meanwhile, the venture capital scheme allows BMT to share risks and profits with MSME actors, encouraging strategic collaboration. This study also discusses the challenges of implementing sharia financing by BMT, including the low public understanding of sharia products. With a descriptive literature approach, this study finds that BMT has significant potential in increasing financial inclusion and encouraging the sustainability of the sharia economy in Indonesia.
Koperasi Syariah : Solusi Ekonomi Berbasis Syariah untuk Kesejahteraan Umat Syarifa Khaerunnisa; Amiruddin Amiruddin; Mukhtar Lutfi
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 3 No. 1 (2025): SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v3i1.1236

Abstract

Sharia cooperatives are Sharia-based economic institutions that play a strategic role in empowering the economy of the Muslim community. By adhering to principles such as the prohibition of riba (usury), gharar (uncertainty), and maysir (gambling), as well as implementing profit-sharing systems (mudharabah or musharakah), Sharia cooperatives provide a fair, transparent, and inclusive alternative to support economic activities in society. These cooperatives aim not only to achieve financial gains but also to fulfill social missions, such as poverty alleviation, equitable welfare distribution, and holistic improvement of the community’s quality of life. Various products and services offered—such as Sharia savings, halal financing, and Sharia-compliant investments—provide financial solutions that align with Islamic values and meet societal needs. Nevertheless, the implementation of Sharia cooperatives faces several challenges, including limited public understanding, competition with conventional financial institutions, and constraints in human resources and capital. Through public education, capacity building for cooperative managers, and comprehensive government policy support, Sharia cooperatives hold great potential to become a key instrument in fostering a more just, equitable, and sustainable economy. This study emphasizes the importance of integrating Sharia values into cooperative management to ensure its contribution to the sustained welfare of the community.
Evaluasi Program Kampung Zakat Baznas dengan Menggunakan Logic Model Pratiwi, Nurul; Lutfi, Mukhtar; Haddade, Abdul Wahid
Al-Jadwa: Jurnal Studi Islam Vol. 4 No. 1 (2024): September
Publisher : Universitas Islam Internasional Darullughah Wadda'wah Bangil Pasuruan Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38073/aljadwa.v4i1.1736

Abstract

Bulukumba is one of the areas designated as the location of the zakat village program which has been running for four years. Therefore, the program needs to be evaluated to measure the effectiveness of the program. This evaluation uses the Logic Model. This study aims to evaluate the Baznas zakat village program in Kahayya Village, Bulukumba Regency using the Logic Model. This research uses mixed methods research. The purpose of this research is to evaluate the Input, Activity, Output, Outcome of Kampung Zakat program in Kahayya Village. The results showed that in the baznas zakat village program in Kahayya Village, various activities were carried out such as providing direct assistance to people in need, training and workshops to improve skills and knowledge, socialization and guidance in various fields such as education, health, economy, da'wah, and humanity. In addition, there are also ben˙cana response activities, procurement of facilities and infrastructure, and efforts to empower communities through various productive economic programs. Statistical test results show that there is a significant difference in the amount of mustahik income before and after the Kahayya Village zakat village program and there is a significant relationship between the length of time receiving assistance and the amount of zakat assistance with the amount of income after the zakat village program in Kahayya Village.
Halal Industry Development Strategy in The Cosmetics Sector: A Study of Islamic Business Ethics Sapsuha, Mubasysyyratul Ummah; Siradjuddin, Siradjuddin; Lutfi, Mukhtar
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 3: April 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i3.7677

Abstract

The development of the halal cosmetics industry is no longer just an option, but an urgent need in the face of changing consumer preferences and global market dynamics. The increasing awareness of the Muslim community towards halal cosmetic products is reflected in the significant growth of the global halal cosmetics market in recent years. This encourages various cosmetic manufacturers to develop their halal product lines, but there are still challenges in implementing halal standards. Using literature studies, this study examines the halal cosmetics industry's development strategy from the Islamic business ethics perspective. This study found that the application of Islamic business ethics in the halal cosmetics industry not only includes the halal aspect of the product but also includes the aspect of consumer safety. For this reason, Islamic business ethics is needed as a strategy for the development of halal cosmetics, namely through the fulfillment of business ethics principles and the implementation of business ethics. The implementation of this strategy (Islamic business ethics) not only creates a competitive advantage for cosmetic manufacturers but also provides a guarantee of halal and product safety for Muslim consumers. In addition, a consumer needs to understand halal and safe cosmetics by checking halal labels and cosmetic composition. So, consumers will not be deceived by cosmetics with fake halal labels or harmful cosmetics.
Membuka Gerbang Emas: Potensi Besar Pembiayaan Syariah Dalam Pengembangan Industri Halal Di Indonesia Sudarmi, Sudarmi; Lutfi, Mukhtar; Siradjuddin, Siradjuddin; Agus Syam; Hasisa Haruna
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 3: April 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i3.7473

Abstract

Penelitian ini menggunakan metode penelitian kualitatif . Penelitian ini yaitu Mewabahnya trend industri halal global menjadi isu krusial yang penting untuk dibahas oleh para penggiat ekonomi syariah, karena halal tidak hanya sekedar pemenuhan kebutuhan dan kepatuhan umat muslim terhadap syariah akan tetapi menjadi salah satu standar prioritas yang diakui dunia. Tujuan dilakukannya kajian ini ialah untuk menggambarkan secara komprehensif terkait potensi besar pembiayaan syariah dalam pengembangan ndustri halal di Indonesia, sehingga hasil penelitian dapat dijadikan sebagai rujukan dalam menetapkan kebijakan bagi pemerintah maupun pemangku kepentingan dalam mengembangkan industri halal di Indonesia. Penelitian ini merupakan penelitian kualitatif deskriptif dengan menggunakan pendekatan teologi normatif dan fenomenologi, dengan sumber data sekunder yang diperoleh melalui buku, jurnal, artikel, data laporan, dan berbagai sumber keilmiahan yang relevan. Hasil penelitian diketahui bahwa potensi pembiayaan syariah dalam pengembangan industry halal di Indonesia sangat besar tidak hanya sektor makanan dan minuman, namun industri halal sudah melebar luas mencakup sektor keuangan syariah, fashion muslim, kosmetik, farmasi, travel, hotel, pariwisata, media dan termasuk rekreasi flim. Indonesia memiliki potensi besar untuk mengembangkan industri halal selain Indonesia sebagai negara penduduk muslim terbesar dunia, oleh karena itu kolaborasi dengan berbagai pihak, seperti pihak pemerintah, industry dan akademisi, ini menggambarkan betapa krusialnya kolaborasi antara kebijakan publik dan sektor swasta dalam menciptakan ekosistem bisnis halal yang berkelanjutan di Indonesia.
Efektivitas Sertifikasi Halal Dalam Meningkatkan Kepercayaan Konsumen Dan Optimasi Rantai Pasok Halik, Abdul Chadjib; Siradjuddin, Siradjuddin; Mukhtar Lutfi
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 4 No. 3: April 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v4i3.7517

Abstract

Sertifikasi halal menjadi faktor utama dalam membangun kepercayaan konsumen serta meningkatkan efisiensi rantai pasok dalam industri halal global. Penelitian ini bertujuan untuk mengkaji pengaruh sertifikasi halal terhadap kepercayaan konsumen dan efisiensi rantai pasok, serta untuk menawarkan solusi inovatif guna meningkatkan kualitas sistem sertifikasi halal. Dengan pendekatan kualitatif eksploratif, penelitian ini mengumpulkan data melalui wawancara mendalam dengan konsumen, produsen, dan lembaga sertifikasi. Hasil penelitian menunjukkan bahwa sertifikasi halal secara signifikan meningkatkan kepercayaan konsumen terhadap produk, serta mendorong efisiensi dalam rantai pasok melalui transparansi dan kontrol kualitas yang lebih baik. Namun, terdapat tantangan dalam hal perbedaan standar internasional dan proses sertifikasi yang memakan waktu. Penelitian ini menyarankan penggunaan teknologi seperti blockchain untuk meningkatkan transparansi dan mempercepat proses sertifikasi. Kesimpulannya, sertifikasi halal tidak hanya berfungsi sebagai pengakuan syariah, tetapi juga sebagai alat strategis yang mempengaruhi keberhasilan pasar halal global. Implikasi praktisnya mencakup rekomendasi untuk harmonisasi standar internasional dan integrasi teknologi canggih dalam sistem sertifikasi halal.
Co-Authors A. Adriana Amal Abd. Hafid Abd. Wahab Abd. Wahab Abd. Wahab Abdul Khaliq Abdul Wahab Abdul Wahab Abdul Wahid Haddade Abdullah AF Abdullah, Muhammad Wahyuddin Abdullah, Wahyuddin Abdullah, Wahyuddin Achmad Musyahid Idrus ADRIANI ADRIANI Afna Eka Widyastuti Agus Syam Ahmad Muhajir, Ahmad Ahsun Inayati Aisyah Aisyah Akram Ista Akramunnas Ambo Asse Amiruddin Amiruddin Amiruddin Amiruddin K Amiruddin K Amiruddin.K Andhini Putri Novianti Andi Abdul Gaffar Andi Irhamnia Sakinah Andi Niken Ayu N.F Andi Sri Mutmainna Andi Tihardimanto Andi Wawan Mulyawan Andika Akbar Anisa Utami Novianty Ar Rozi, Habib Aziz Arlina Wiyata Gama Arsyadi, Baso Askar Fatahuddin Asmira, Sri Asni Asni Asri Jaya Asriadi Arifin Adi Azizah Nurdin, Azizah Azmi Yusriyah Naurah Azwar Azwar Basri, Muh. Arfah BN, Andi Muh. Taqiyuddin Dedi Susanto Desy Arum Sunarta Devy Wulandari Dian Sari Djafar Djafar Eka Febrianti Ervina Hijrah Nirwana Fatahuddin, Askar Fauziah Sulaiman Febrianti, Rachma Ferianti Ririn Fitriah Ningsih G. Gunawan Ghalib, Muhammad Gunawan Gunawan Halik, Abdul Chadjib Hamdana Hamdana Hamzah Hasan Harni hasim, cani Hasisa Haruna Herianti Herman, Muhammad Akbar Husni Nasir Ilham , Muhammad Ilham Ilham Ilnawati Ismail Hasang Ismail Ismail Iva Ashari Ananda Jayawarsa, A.A. Ketut K, Amiruddin Latifah Lanonci Lince Bulutoding Lohalo, Georges Olemanu Lubnaa Sulistiyani Kartiko M, Misbahuddin M. Fadel, M. Fadel Mallongi, Syahrir Maryam Nurdin, Maryam Mau Lulo, Lourenco de Deus Muammar Bakry Muhammad Affandi AR Muhammad Afief Mubayyin Muhammad Fadel Muhammad Mutawalli Muhammad Nasri Katman Muhammad Rustam Saputra Muhammad Saleh Ridwan Muhammad Saleh Tajuddin Muin, Rahmawati Mukhlis Latif Mulkiyah Zul Fadhilah Muslimah Muslimah Muslimin Kara Mutawalli, Muhammad Nadya Haruna Nasir Hamzah Nasrullah Bin Sapa Nelia Syafriawati Nur Hidayah Nuraulia Aco Dahrul Nurfiah Nurfiah Nurhasnaini. H Nurhidayat Nurhidayat Nurjannah Nurjannah NURLAELA NURLAELA Nurlina Nurlina Nurlina Nurlina Nurul Pratiwi Nurum, Munawir Nurvadillah Nurvadillah Nurwijayanti Paskual, Meity Ferdiana Purnamaniswaty, Purnamaniswaty Purnomo, Anggi Putra, Trisno Wardy Putri Ayu Ramadhani Putrisarira , Wahyuni Rachma Febriyanti Rahadi Arie Hartoko Rahmawati Muin Rahmawati Muin Rahmawati Muin Ramlah Ramlah Rayyahun, Annisa Reni Reni Reskiani, Anugrah Ri Esso*, Andi Sawe Ridwanto Rini Fitriani Risnawati Risnawati Rizky Amaliyah Ramdhani Ilham Rosdianah Rahim Rusdi Raprayogha Saharuddin Sahdiah Desriana Karim Sahrul Gunawan Saiful Muchlis Saleh Al Hadad Samsunar, Muh. Sapa, Nasrulla Bin Sapsuha, Mubasysyyratul Ummah Sari Ifdiana Jalal selmiana salam selmi Shahrin, Attori Alfi Siradjuddin Sirajuddin Sri Mulyati Sri Muntu, Andi Tenri Sri Syamsiar, Indriyani Sudarmi Sudarmi Sufiana Fahmi Sufiani Zahra Sugianto Sukmana, Ahyana Syahila Sumar’in Sumar’in Suparman Suparman Supriadi Syahidah Rahmah Syahruddin Kadir Syamsiah Rauf Syarif, Muhammad Isra Syarifa Khaerunnisa Syatar, Abd Tacong, Hamzah Taqiyuddin BN, Andi Muh. Tihardimanto, A. Titin Hardianti Ummu Alfatimah Vera Ayu Oktoviasari Virgiawan, A. M. Luthfi virgiawan, luthfi Wahyuddin Abdullah Wardy Putra, Trisno Yohan Yohan Yusnita