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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
Masno Marjohan
Pascasarjana Universitas Pamulang
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Neuroscience Nursing Social Sciences Other

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Peran Manajemen Keuangan Untuk Menambah Pendapatan di Canting Buana Kreatif Padang Panjang, Sumatera Barat Sahroni Sahroni; Masno Marjohan; Sri Retnaning Sampurnaningsih
Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat Vol. 3 No. 1 (2025): Maret : Kegiatan Positif : Jurnal Hasil Karya Pengabdian Masyarakat
Publisher : Asosiasi Riset Ilmu Manajemen Kewirausahaan dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/kegiatanpositif.v3i1.1672

Abstract

The purpose of this community service activity is for participants to understand how to manage finances effectively and efficiently, especially after the pandemic. In this training, it is hoped that participants will gain knowledge on how to allocate company funds or capital to finance business line needs, ensuring that the company's budget is distributed to the right posts and used for various purposes that benefit the company. After this activity, it is expected that participants will be able to plan their finances effectively and efficiently. The target of this activity is the manager of Canting Batik Crafts in Padang Panjang, West Sumatra. The implementation method consists of three stages. The first stage is preparation, including a pre-survey, team formation, proposal preparation and submission, coordination between teams and partners, as well as preparation of training tools and materials. The second stage is the program implementation stage in the form of socialization through counseling (material presentation) and discussions. The third stage is the evaluation and reporting stage. The evaluation is conducted by comparing the conditions of partners before and after the program implementation using interview and observation methods. Afterward, a report is prepared for further socialization.
Pengabdian kepada Masyarakat Strategi Memasuki Pasar Global untuk Meningkatkan Pendapatan Keuangan Mse Tenun Ikat di Jepara Kudus Masno Marjohan; Sri Retnaning Sampurnaningsih; Pranoto Pranoto
Svarga Pena : Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 1 (2025): Svarga Pena : Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Veteran Bangun Nusantara Sukoharjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/svargapena.v2i1.120

Abstract

Financial statements are information related to finance in a company where it can be used to analyze the company's condition and assess the company's capacity in a separate period and increase healthy financial flow. In the accounting cycle for one period, it can be ensured monthly, semester or for a period of one year. Community Service Activity with the title Entering Tthe Global market Strategy to Encrease Financial Sttream of Weaving Ikat MSEs in Jepara Kudus. The purpose of Community Service is to provide briefings on how to enter the global market to increase financial flows in micro and small fish weaving businesses in Jepara. The activity method used was presentation and question and answer to the PKM participants. It is hoped that the results of this activity are that the participants can understand how the strategy to enter the global market such as exports which is ultimately expected to increase the income and welfare of micro and small businesses in Jepara in particular. The results of this Community Service are expected to achieve a global market strategy and to increase financial flows for MSMEs.
Strategi pengelolaan keuangan dalam meningkatkan produktivitas UMKM di Sindang Jaya Kabupaten Tangerang Riandi, Arif; Rachmawaty, Rachmawaty; Havizh, Muhammad; Suradi, Suradi; Febrianto, Satriyadi; Islami, Firda; Marjohan, Masno
Jabdimas: Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2025): Jabdimas: Jurnal Pengabdian Masyarakat
Publisher : Magister Manajemen, Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jabdimas.v3i1.216

Abstract

Pengelolaan keuangan yang efektif merupakan salah satu faktor penting dalam meningkatkan produktivitas Usaha Mikro, Kecil, dan Menengah (UMKM). Pengabdian kepada masyarakat ini dilakukan di Kecamatan Sindang Jaya, Kabupaten Tangerang pada tanggal 18 Mei 2025 dengan mitra UMKM FORSAMIK. Kegiatan difokuskan pada strategi pengelolaan keuangan yang meliputi empat aspek utama: perencanaan keuangan, pencatatan keuangan, pengendalian keuangan, dan evaluasi keuangan secara berkelanjutan. Pelatihan mencakup pembuatan rencana keuangan seperti anggaran, prediksi pendapatan, dan rencana pengeluaran; pemanfaatan fasilitas pembiayaan dari pemerintah atau lembaga keuangan; pencatatan transaksi keuangan secara disiplin; penggunaan aplikasi akuntansi digital; pemisahan keuangan pribadi dan bisnis; serta evaluasi arus kas dan kinerja keuangan secara rutin. Hasil pengabdian menunjukkan peningkatan pemahaman dan kemampuan pelaku UMKM dalam mengelola keuangan secara sistematis, yang berdampak positif terhadap produktivitas dan keberlanjutan usaha. Pendekatan ini diharapkan dapat menjadi model pengelolaan keuangan yang aplikatif bagi UMKM di wilayah lain.
Literature Review: The Effectiveness of Risk Management Training in Financial Institutions in the Digital Era Hermawan, Rangga Adhitia; Pajar, Pajar; Sri Handayani, Avivah; Meylani, Shella; Intan Pratiwi, Niken; Handayani, Yesie; Marjohan, Masno
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025): June
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; Agustiani, Mulia; Audryna, Leyryza; Nabilah, Azmi; Setiawan, Anthony; Marliana, Marliana; Marjohan, Masno
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025): June
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 Nurmala, Riska; Tomana, Josef; L. Tobing, Rangga; Sari, Kartika; Lestari, Nurul Khofifah; Marjohan, Masno
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025): June
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.
Digital Financial Ethics and Risk Management Supandi, Hanie; Irawan, Yopie; Setiawati, Dwi; Kurniawan, Rusdi; Lestari, Bunga Westu; Permatasari, Delsa Yunia; Marjohan, Masno
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025): June
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i1.297

Abstract

The rapid development of digital technology has transformed the global financial industry landscape, bringing efficiency but also increasing the complexity of risks such as cyber attacks, data breaches, and regulatory non-compliance. This study aims to evaluate risk management strategies in digital finance and the importance of integrating ethical values through a literature review approach. Data was collected from national journals and relevant academic articles, focusing on training, technology implementation, and risk management policies. The findings indicate that effective strategies require adaptive technology-based approaches, such as the implementation of Artificial Intelligence (AI), blockchain, and the Internet of Things (IoT). Dominant digital risks include fraud, data breaches, and system attacks, which demand ethics-based governance and improved digital literacy. Internal factors such as human resources and organisational culture, as well as external factors such as regulations and fintech competition, also influence the effectiveness of risk management. In conclusion, the success of risk management in digital finance is determined by the synergy between technological sophistication and the comprehensive application of ethical principles in the governance of financial institutions.
The Role of Artificial Intelligence and Big Data in the Transformation of Recruitment Processes and Financial Analysis: A Systematic Literature Review Marjohan, Masno; Hidayat, Wahyu; Pratama, Adi; Mentari, Beta; Putri, Amelia; Rahayu, Endah Sri; Safan, Azian M
International Journal of Economics, Management and Accounting (IJEMA) Vol. 3 No. 1 (2025): June
Publisher : Lafadz Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47353/ijema.v3i1.298

Abstract

This study aims to explore the transformative role of Artificial Intelligence (AI) and Big Data in recruitment processes and financial analysis. Through a systematic literature review approach, data were collected from national journals published in the last five years. The findings show that AI has significantly improved the efficiency and objectivity of candidate selection by automated screening based on skill-matching algorithms. Meanwhile, Big Data analytics enhances financial decision-making by enabling real-time insights into company performance, profitability, and risk. The integration of these technologies not only optimizes human resources and financial management but also demands robust data governance  This research concludes that successful implementation of AI and Big Data must be holistic combining technical, managerial, perspectives to build adaptive, accurate, and sustainable organizational systems.
Strategi, Alat dan Platform Keuangan Digital: Dampaknya pada Motivasi Kerja Karyawan dalam Tinjauan Literatur Marjohan, Masno; Supratikta, Hadi; Hifny, Muhammad; Turnip, Jhon Sutrisno; Nur'aini, Eni; Yansyah, Rusli; Nurayani, Alinda
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 8 No. 3 (2025): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v8i3.1139

Abstract

In the era of digital transformation, the integration of digital financial tools and platforms into organizational systems has reshaped how employees engage with their work. This study investigates the impact of digital financial technologies on employee motivation, highlighting both the opportunities and challenges that arise from this technological shift. The main issue addressed is the dual effect of such tools: while they can enhance financial literacy, efficiency, and employee satisfaction, they may also contribute to digital stress and privacy concerns. The purpose of this study is to examine how digital financial platforms influence work motivation by synthesizing findings from existing scholarly literature. Using a systematic literature review method, this research analyzes 38 journal articles, industry reports, and case studies published between 2019 and 2023, selected from academic databases such as ScienceDirect, SINTA, and Google Scholar. Thematic analysis was employed to identify key patterns related to employee motivation, financial well-being, technological adaptation, and organizational strategies. The findings show that digital financial tools positively impact employee motivation by increasing transparency, autonomy, and financial control. However, concerns related to cybersecurity, unfamiliarity with digital tools, and resistance to change may lead to anxiety and reduced motivation. The study concludes that companies must implement supportive strategies such as digital training, inclusive technology policies, and robust data protection measures to maximize the benefits of financial digitalization while minimizing its drawbacks.
Sarjana Tangguh Berdaya Entrepreneur dengan Teknologi Keuangan Digital Studi Literatur Marjohan, Masno; Fauziah, Uhti; Akiko, Leidy Vit
Jurnal Pendidikan Tambusai Vol. 9 No. 2 (2025): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i2.30614

Abstract

Di era digital, lulusan perguruan tinggi dituntut tidak hanya memiliki kompetensi akademik, tetapi juga ketangguhan dan daya saing di dunia usaha. Teknologi keuangan digital (fintech) menjadi salah satu alat yang mampu mendukung generasi sarjana untuk menjadi entrepreneur yang mandiri dan inovatif. Penelitian ini bertujuan untuk mengkaji kontribusi fintech dalam membentuk sarjana tangguh melalui pendekatan studi literatur. Metode yang digunakan adalah studi pustaka terhadap 10 jurnal ilmiah nasional yang relevan dengan topik fintech, kewirausahaan muda, dan literasi digital. Hasil telaah menunjukkan bahwa fintech berperan signifikan dalam meningkatkan akses permodalan, efisiensi transaksi, serta mendorong keberanian dan kreativitas sarjana dalam menjalankan usaha. Selain itu, edukasi dan literasi digital dari lingkungan kampus turut memperkuat kesiapan sarjana untuk terjun ke dunia bisnis. Penelitian ini merekomendasikan integrasi pembelajaran fintech dalam kurikulum kewirausahaan untuk mendukung lahirnya sarjana tangguh yang berdaya secara ekonomi.
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