p-Index From 2021 - 2026
12.296
P-Index
This Author published in this journals
All Journal JURNAL BISNIS STRATEGI Ilmu Administrasi Publik Jurnal Bisnis dan Manajemen Jurnal Ad'ministrare: Jurnal Pemikiran Ilmiah dan Pendidikan Administrasi Perkantoran MIX : Jurnal Ilmiah Manajemen Jurnal Akuntansi dan Pajak Syntax Literate: Jurnal Ilmiah Indonesia Applied Information System and Management Scientific Journal of Reflection : Economic, Accounting, Management and Business DIJB (Diponegoro International Journal of Business) SEIKO : Journal of Management & Business JURNAL PENDIDIKAN TAMBUSAI Jurnal Pengabdian Dharma Laksana Accounting and Management Journal JIMF (JURNAL ILMIAH MANAJEMEN FORKAMMA) Penentuan harga obligasi dan teori tingkat bunga JURNAL PEMASARAN KOMPETITIF EAJ (ECONOMICS AND ACCOUNTING JOURNAL) Dinasti International Journal of Management Science Jurnal Manajemen Abdi Laksana : Jurnal Pengabdian Kepada Masyarakat Jurnal Darma Agung Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Lokabmas Kreatif : Loyalitas Kreatifitas Abdi Masyarakat Kreatif Jurnal Disrupsi Bisnis Jurnal Ekonomi Efektif Jurnal PADMA: Pengabdian Dharma Masyarakat Journal of Applied Business, Taxation and Economics Reseach Jurnal PKM Manajemen Bisnis Jurnal Pemberdayaan Masyarakat Indonesia (JPMI) Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi (JEMBA) Jurnal Ilmiah Mahasiswa (JIMAWA) Journal of Social And Economics Research Journal of International Conference Proceedings Jurnal Abdi Masyarakat Humanis Jurnal Bisnis Kompetitif Journal of Artificial Intelligence and Digital Business Journal of Research and Publication Innovation Indonesian Journal of Interdisciplinary Research in Science and Technology (MARCOPOLO) TOFEDU: The Future of Education Journal International Journal of Economics, Management and Accounting Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi APPA : Jurnal Pengabdian Kepada Masyarakat Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat Karimah Tauhid Journal of Education Religion Humanities and Multidiciplinary Jabdimas: Jurnal Pengabdian Masyarakat Jurnal Pengabdian kepada Masyarakat : Kreasi Mahasiswa Manajemen Jurnal Penelitian Pendidikan Indonesia Jurnal Intelek Dan Cendikiawan Nusantara Maneggio SocServe: Jurnal Pengabdian kepada Masyarakat JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Jurnal Intelek Insan Cendikia Svarga Pena: Jurnal Pengabdian Kepada Masyarakat JAS (Jurnal Akuntansi Syariah) Jurnal Ilmiah Manajemen Dan Kewirausahaan Benefit: Jurnal Manajemen dan Bisnis Economic Management Business Research Journal Maneggio Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Claim Missing Document
Check
Articles

Peningkatan Literasi Keuangan Bagi Siswa/I SMA Muhammadiyah 8 Tangerang Selatan Untuk Membangun Generasi Cerdas Finansial Yulian Bayu Ganar; Taufik Awaludin; Masno Marjohan
Journal of Education Religion Humanities and Multidiciplinary Vol. 4 No. 1 (2026): Juni 2026
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/jerumi.v4i1.8720

Abstract

Pengabdian kepada Masyarakat (PkM) ini dilaksanakan dengan tujuan meningkatkan literasi keuangan siswa/i SMA Muhammadiyah 8 Ciputat Tangerang Selatan agar mampu mengelola keuangan secara bijak dan bertanggung jawab. Metode pelaksanaan kegiatan dilakukan melalui penyuluhan, pelatihan, diskusi interaktif, serta studi kasus mengenai pengelolaan keuangan pribadi. Materi yang diberikan meliputi pentingnya literasi keuangan, penyusunan anggaran sederhana, manajemen pengeluaran, kebiasaan menabung, pengenalan investasi, serta pemanfaatan teknologi digital dalam pengelolaan keuangan. Kegiatan ini melibatkan siswa/i SMA Muhammadiyah 8 Ciputat sebagai peserta utama. Hasil kegiatan menunjukkan adanya peningkatan pemahaman peserta mengenai konsep dasar literasi keuangan dan pentingnya perencanaan keuangan sejak usia dini. Peserta juga menunjukkan peningkatan kemampuan dalam menyusun anggaran sederhana, membedakan kebutuhan dan keinginan, serta memahami manfaat menabung dan investasi untuk masa depan. Antusiasme peserta selama kegiatan berlangsung menunjukkan bahwa edukasi literasi keuangan sangat relevan dan dibutuhkan oleh kalangan pelajar. Dengan terlaksananya kegiatan ini, diharapkan siswa/i SMA Muhammadiyah 8 Ciputat Tangerang Selatan dapat menerapkan pengetahuan yang diperoleh dalam kehidupan sehari-hari sehingga mampu menjadi generasi yang cerdas finansial, mandiri, dan memilki kesiapan dalam menghadapi tantangan ekonomi di masa mendatang.
Manipulation of financial statement reporting has an impact on financial information and affects company value Masno Marjohan
Diponegoro International Journal of Business Vol 7, No 2 (2024)
Publisher : Department of Management | Faculty of Economics and Business | Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/dijb.7.2.2024.147-165

Abstract

This study aims to determine and analyze the effect of manipulation of financial statement reporting on firm value, as well as the consequences of financial statement information on companies listed on the Indonesia Stock Exchange. This research uses quantitative associative, the sampling technique used is purposive sampling. The sample size for this study was determined based on criteria obtained from 105 property and real estate industry companies listed on the Indonesia Stock Exchange within 5 years. The analysis techniques used include descriptive statistical analysis, panel data regression test, classical assumption test, and path analysis. The results showed that external pressures strongly influence financial statement reporting manipulation, emphasizing the need for organizations to overcome these pressures through alternative financing options. Industry characteristics also play an important role in the occurrence of manipulation, while rationalization and capability have minimal effects. In addition, external pressure, industry characteristics, rationalization, and capability jointly affect financial statement manipulation. Surprisingly, financial statement manipulation or fraud does not have a significant impact on firm value, as signaling theory explains its negative impact on investor confidence and stock prices. This study found that external pressure and industry dynamics play an important role in the incidence of report manipulation, while rationalization and capability.
Keamanan dan Privasi dalam Keuangan Digital Siti Khoiriah; Annisa Salsabila; Daniel David Camberra; Erwan Syafri; Haqiqi Lina Layyin; Riangga Fathurrahman; Masno Marjohan
Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis Vol. 4 No. 2 (2025): Jurnal Publikasi Sistem Informasi dan Manajemen Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jupsim.v4i2.4524

Abstract

The rapid digitalization of the financial sector in Indonesia has significantly improved access to financial services but also raised serious concerns regarding the security and privacy of user data. Low levels of digital awareness among the public, coupled with uneven adoption of protective technologies such as encryption and blockchain, have intensified these vulnerabilities. This study aims to identify cybersecurity threats and risks in digital financial systems, evaluate the effectiveness of data protection technologies, and analyze the role of regulations and user education in strengthening data protection mechanisms. A systematic literature review was conducted using a qualitative descriptive approach, drawing on 20 national academic sources published between 2018 and 2025. The findings are grouped into four key themes: (1) technical and human-related security risks, (2) variation in the application of protective technologies, (3) institutional disparities in readiness for compliance with the 2022 Personal Data Protection Law, and (4) low privacy literacy among younger users. The study concludes that effective data protection requires synergy between regulation, technology, and digital literacy education. This research highlights the need for strict digital security audits and integrated privacy awareness campaigns within formal education and small business training programs.
Perencanaan Manajemen Keuangan Bagi Pengembangan Pariwisata Pada Anggota Kelompok Sadar Wisata Di Kampung Wisata 7 Muara, Kec. Bojongsari, Kota Depok Adam Ardiansyah; Nofeel Fatwanah Hubeis; Yuni Hutari Wafid; Angga Priyanto; Masno Marjohan; Umi Rusilowati
SocServe: Jurnal Pengabdian kepada Masyarakat Vol 2 No 2 (2025): SocServe: Jurnal Pengabdian kepada Masyarakat
Publisher : Sapta Arga Nusantara

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

Abstract

Pengabdian ini berjudul Perencanaan Manajemen Keuangan Bagi Pengembangan Pariwisata Pada Anggota Kelompok Sadar Wisata Di Kampung Wisata 7 Muara, Kec. Bojongsari, Kota Depok. Tujuan umum dari kegiatan pengabdian kepada masyarakat ini adalah Memberikan pelatihan dan pengetahuan secara praktis ilmu manajemen dalam perencanaan manajemen leuangan yang berdampak pada kesejahraan masyarakat. Metode yang digunakan adalah metode survey dan penyampaian materi secara langsung serta simulasi dan diskusi mengenai manajemen, pengelolaan keuangan, pemasaran produk dan penerapan MSDM. Kesimpulan dari pengabdian kepada masyakat ini adalah bahwa akan dilakukan pendampingan dalam manajemen dalam peningkatkan literasi dan praktik investasi produktif dalam upaya mewujudkan kesejahraan pada anggota kelompok sadar wisata di Kampung Wisata 7 Muara, Kec. Bojongsari, Kota Depok.
Market Anomaly Analysis: Week Four Effect, Rogalsky Effect and Eid Effect on the IDX 30 Index Nur Ubed; Masno Marjohan; Holiawati Holiawati
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 6 (2025)
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i6.336

Abstract

This study aims to empirically test abnormal returns on the phenomena of the Eid al-Fitr holiday effect, week four effect, rogalsky effect. The research method uses quantitative research. The sampling technique uses the purposive sampling method and daily data samples are obtained. The research sample uses the IDX 30 Stock Index price sourced from the Indonesia Stock Exchange. Data analysis uses the dummy regression method with Wilcoxon Rank. The results of the study show that the Eid al-Fitr Holiday Effect occurred on the IDX 30 IDX Index from 2023 to 2024, which means that the Eid al-Fitr Holiday Effect causes Abnormal Stock Returns on the ID30 IDX Index. The Week Four Effect from 2023 to 2024 did not occur on the IDX30 Index, which means that the Week Four Effect did not affect the ID30 IDX Index Stock Return. Rogalsky Effect from 2023 to 2024 did not occur in the IDX30 Index, which means that the Rogalsky Effect does not affect the IDX30 IDX Index Stock Return.
Analysis of Quality Costs in Efforts to Improve the Financial Performance of the Company: An Empirical Study at CV Central Fragrance Utama Regina Sakeletuk; Sahroni Sahroni; Masno Marjohan
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 5 (2025)
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i5.339

Abstract

This study aims to analyze quality costs in relation to improving the financial performance of CV Central Fragrance Utama during the 2022-2024 period. Specifically, the research focuses on three aspects: (1) classification and measurement of quality costs, which include prevention, appraisal, internal failure, and external failure costs; (2) evaluation of financial performance based on profitability, liquidity, solvency, and activity ratios; and (3) analysis of the efficiency of quality cost management in supporting financial performance improvement. The research method uses a descriptive-qualitative approach with data collection techniques through observation, interviews, and document analysis. The results show that the allocation of quality costs is not yet optimal. Prevention costs decreased significantly from 78.12% to 48.82%, while internal and external failure costs increased. Financial performance shows sales growth that improves NPM and ROA, but ROE remains negative with critical liquidity and solvency conditions. The efficiency of quality costs has not been consistently achieved due to a decrease in investment in prevention and appraisal areas. The company needs to increase the proportion of prevention costs, strengthen its quality control system, and restructure capital to achieve healthy financial performance and sustainable growth.
Pricing Strategy and Business Feasibility Analysis (Break-Even Point) for Perfume MSMEs Anin Ladila; Hadi Mubarak; Firdaus Tampubolon; Zulfitra Zulfitra; Masno Marjohan
The Future of Education Journal Vol 5 No 2 (2026)
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah Yayasan Pendidikan Tumpuan Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61445/tofedu.v5i2.2135

Abstract

This Community Service Program (PKM) aimed to improve the knowledge and entrepreneurial skills of members of the Family Welfare Empowerment Organization (PKK) in determining selling prices and conducting business feasibility analysis for laundry perfume products. The program was conducted on May 3, 2026, at RW 025 Griya Asri 2 Blocks G and F, Sumberjaya Village, South Tambun District, Bekasi Regency, involving approximately 50 participants consisting of PKK members, community leaders, and local residents. The implementation methods included lectures, discussions, hands-on training in laundry perfume production, simulations of Cost of Goods Sold (COGS) calculations, selling price determination, and Break-Even Point (BEP) analysis. The results showed a significant improvement in participants’ understanding of production cost calculation, pricing strategies, profit estimation, and business feasibility assessment. Based on the business simulation, the total production cost for 10 liters of laundry perfume was Rp333,600, resulting in a Cost of Goods Sold (COGS) of Rp33,360 per liter. By setting the selling price at Rp45,000 per liter, participants were able to identify a potential profit margin and evaluate the feasibility of the business. Furthermore, the program enhanced participants’ motivation to develop home-based entrepreneurial activities as an alternative source of family income. Therefore, this community service activity successfully contributed to strengthening entrepreneurial capacity and promoting economic empowerment among community members.  
Literature Review: The Effectiveness of Risk Management Training in Financial Institutions in the Digital Era Rangga Adhitia Hermawan; Pajar Pajar; Avivah Sri Handayani; Shella Meylani; Niken Intan Pratiwi; Yesie Handayani; Masno Marjohan
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025)
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i1.287

Abstract

The rapid development of digital technology has significantly changed the landscape of the financial industry. The digitisation of financial services offers convenience and efficiency, but also brings new challenges in terms of risk. Effective risk management is key to ensuring the stability and sustainability of financial institutions in the digital age. The method used is a literature study taken from several national journals and expert articles accessed online. This method aims to summarise the current understanding of a topic. The literature review presents previously published material and analyses new facts. Digital financial risk management strategies in retail companies require a comprehensive, adaptive, and technology-based approach. The digital financial sector faces increasingly complex risks as technology adoption accelerates. There are several challenges and threats in risk management for financial institutions in the digital era, one of which is technological advancement. The emergence of increasingly sophisticated technology has a significant impact on the structure of life. Digital financial risk management requires adaptive technology-based strategies to address complex risks in the digital era. The roles of AI, blockchain, and IoT are key in risk mitigation. Financial institutions, including Islamic and conventional banks, need to enhance regulatory compliance, digital literacy, and service innovation to compete with fintech companies and sustain customer trust.
The Role of Digital Financing through Crowdfunding in Supporting Social and Humanitarian Fundraising Muslim; Mulia Agustiani; Leyryza Audryna; Azmi Nabilah; Anthony Setiawan; Marliana Marliana; Masno Marjohan
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025)
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i1.295

Abstract

This study aims to analyze the role of digital financing through crowdfunding in supporting social and humanitarian fundraising. The method used is a descriptive qualitative approach through a case study. The findings indicate that kitabisa.com has successfully served as a bridge between donors and beneficiaries by utilizing easily accessible digital technology. Factors influencing the success of campaigns include the strength of the narrative, public trust, transparency in fund usage reporting, and the convenience of digital transactions. The platform also encourages broader public participation in social activities in a faster and more efficient manner. These findings suggest that digital crowdfunding is a relevant alternative financing solution in the digital era, particularly for the social and humanitarian sectors.
Digital Investment and Online Financial Markets: A Quantitative Case Study on Mutual Fund Investment Decisions by Millennials Using Blue Apps in Jakarta Riska Nurmala; Josef Tomana; Rangga L. Tobing; Kartika Sari; Nurul Khofifah Lestari; Masno Marjohan
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025)
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i1.296

Abstract

The development of digital technology has driven significant changes in investment behavior, particularly among millennials. This study aims to analyze the influence of financial literacy, risk perception, and ease of use of applications on mutual fund investment decisions among millennials who use the Blue App in Jakarta. This study employs a quantitative approach using a survey method, involving 120 respondents selected through purposive sampling. The research instrument consists of a closed-ended questionnaire with a Likert scale, and the data was analyzed using multiple linear regression with the assistance of SPSS software. The results indicate that financial literacy has a positive and significant effect on investment decisions, suggesting that the higher an individual's financial understanding, the more rational their investment decisions. Risk perception has a negative and significant effect, meaning that the higher the perceived risk, the lower the individual's tendency to invest. Meanwhile, the ease of use of the application was found to have a positive and significant influence on investment decisions, indicating that a good user experience encourages higher investment activity. This study has implications for application developers and financial institutions to improve financial literacy, minimize risk perception, and continue to refine application features to encourage increased digital investment participation among the younger generation.
Co-Authors Adam Ardiansyah Adhe Purnomo, Nugroho Adi Pratama Adi Pratama, Adi Afrilia, Dwi Agus Salahudi Agustiani, Mulia Ahmad Arifin Aji Rahmansyah Akhmad Akbar Akiko, Leidy Vit Alinda Nurayani Amelia Putri Andica, Juita Andriani, Jeni Angga Priyanto Anggun Anggraini Ani Kusumaningsih Anin Ladila Anjely Shukriya Aini Annisa Nurlita Putri ANNISA SALSABILA Anthony Setiawan Anwar Sanusi Armanid, Aura Arsid Arsyil Firian, Yuan Atiawati Atiawati Audryna, Leyryza Avivah Sri Handayani Azian M Safan Azmi Nabilah Beta Mentari Bunga Westu Lestari Cakra Wicaksono Clariyani S., Rospita Dadin Tajudin Daniel David Camberra Delsa Yunia Permatasari Desak Made Sukarnasih Dewi Nurjana Dwi Pratama, Guruh Dwi Setiawati E Nurzaman AM Eka Retno Utari Eko Budi Satoto Endah Sri Rahayu Erine Sulistiana Erthride Maharai Puri Dharmajati Erwan Syafri Fauziah, Uhti Febrianto, Satriyadi Firdaus Tampubolon Galuh Artya Wardhani Gunawan, Rizkqi Aji Guruh Dwi Pratama Guruh Dwi Pratama Gustian Juanda Hadi Broto Hadi Mubarak Hadi Supratika Hadi Supratikta Hamsinah Hamsinah Hamsinah Hamsinah, Hamsinah Handayani, Yesie Hanie Supandi Haqiqi Lina Layyin Hartati, Arini Nur Havizh, Muhammad Hendro Waryanto Hermawan, Rangga Adhitia Hifny, Muhammad Hilya Hasanah Holiawati Holiawati Holiawati Holiawati, Holiawati Humaeroh, Fitri I Made Suidarma Ika Sari, Sandra Ayu Intan Pratiwi, Niken Irawan, Yopie Islami, Firda Istihfadloh Istihfadloh Janitra, Olief Zaki Jasica Asih Hati Jefri Burhan, Jefri Jeni Andriani Jeni Andriani Josef Tomana Juanda, Gustian Juhaeri Jurna, Jurna Kaban, Ira Caharina Kartika Sari Kartika Sari Kartolo, Rachmat Karwito Karwito Khayatun Nufus Komang Sri Widiantari Kurniawan, Rusdi Kurniawan, Zen Kusumaningsih, Ani L. Tobing, Rangga Latipah, Nunung Lestari, Bunga Westu Lestari, Nurul Khofifah Leyryza Audryna Lisdawati Lisdawati Marichicha Puicha L Sianturi Marliana Marliana Marliana Marliana, Marliana Marsudiana, I Dewa Nyoman Martini, Evrillisa Martono, Adi Master Irfan Ibrahim Maswarni Maswarni Mentari, Beta Meylani, Shella Mila Nurmila Mimi Jamilah Muhammad Adam MUHAMMAD AGUS SALIM Muhammad Husni Thamrin, Muhammad Husni Mulia Agustiani Muslim Muslim Nabilah, Azmi Nafiisah Adhanurrizqi Nani Qurotul A’yun Naning Oktaviana Nardi Sunardi Nardi Sunardi Nardi Sunardi Nia Januari Niken Intan Pratiwi Nofeel Fatwanah Hubeis Nur Alim Yuliyanto Nur Ubed Nur'aini, Eni Nurafifah, Nurafifah Nurayani, Alinda Nurmala Sari Nurmala, Riska Nurmin Arianto Nursan, Elvira Nurul Khofifah Lestari Nurul Yaqin Octavia Meganingrum Octavia, Isnaini Pajar Pajar Pajar, Pajar Pamuji, Bombong Ahmad Permatasari, Delsa Yunia Pranoto Pranoto Pratama, Guruh Dwi Purnomo, Bandi Putra, Robi Nugraha Sayi Putri Novelia Putri Nurlaila Putri, Zulfati Zianurisma Rachmat Kartolo Rachmawaty Rachmawaty Rachmawaty Rachmawaty Rachmawaty, Rachmawaty Rahayu, Endah Sri Rahma Puspita Rangga Adhitia Hermawan Rangga L. Tobing Rasyidi, Muhammad Gafar Regina Sakeletuk Regina Sakeletuk Reza Muhammad Riandi, Arif Riangga Fathurrahman Richard Taufik Alkausar Rini Suryani, Rini Riska Nurmala Rizki Pramuditya Kurniatama Rizki Satria Ruhiyat, Endang Rusdi Kurniawan Rusilowati, Umi Safan, Azian M sahroni Sahroni Sahroni Sahroni Sahroni Sahroni Sahroni Sakeletuk, Regina Salsabila Esa Utami Sarwani Sarwani Sayu Ketut Sutrisna Dewi Seno Aji Firstianto Septiono, Wakhid Lukas Setiawan, Anthony Setiawati, Dwi Shella Meylani Sitepu, Sri Henny Romauli Siti Khoiriah Siti Marpuah Siti Nurhalimah Sitohang, Veronica Lusianna Sri Handayani, Avivah Sri Puspita Sari Sri Retnaning Sampurnaningsih Stiawan Zulkarnaen Sugiyanto - Sugiyanto Sugiyanto Sukristian Putra Supandi, Hanie Supratikta, Hadi Suradi Suradi Suyanto Suyanto Tanri Rekatami Taufik Awaludin Tomana, Josef Turnip, Jhon Sutrisno Ulfah, Siti Maryana Umi Rusilowati Utomo, Widodo Budi Wahyu Hidayat Wahyu Hidayat Waruwu, Nofirman Yantoni Waryanto, Hendro Yansyah, Rusli Yayan Sudaryana Yesie Handayani Yopie Irawan Yulian Bayu Ganar YULIYANTI, SRI Yuni Hutari Wafid Yunita Yunita Yunita Yunita Zaharuddin Zahra Fahria Zulfahmi, Muhammad Zaki Zulfitra Zulfitra Zulfitra Zulfitra Zulfitra zulfitra, Zulfitra