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Exploring Banking Reforms in Nigeria: Economic Impacts and Future Implications Muhammad, Auwalu Shuaibu; Fitrianto, Achmad Room
Economica: Jurnal Ekonomi Islam Vol. 15 No. 1 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2024.15.1.20357

Abstract

In the growing global economy, establishing a robust banking sector has become an essential concern for governments worldwide. Nigeria, like many other nations, has witnessed successive governments implementing economic reforms to navigate the challenges of the global market. Given the indispensable role of the financial sector, particularly banking industry, numerous reforms have been legislated over the past three decades. This paper examines these banking reforms and their profound impacts on the Nigerian economy. The primary objective of this study is to consolidate and synthesize the findings of previous empirical research regarding banking reforms and their effects on Nigeria's economy, as measured by Gross Domestic Product (GDP). This paper employed the Preferred Reporting Items for Systematic Reviews and Meta-Analysis (PRISMA). The analysis reveals that the banking reforms undertaken by successive Nigerian governments have significantly influenced the nation's economic growth. However, the persistent issue of high interest rates poses a deterrent to investors seeking loans and advances. Consequently, the study advocates for a strategic shift in lending practices within the real sector towards Islamic banks, where loans are structured based on profit and loss sharing rather than conventional interest-based mechanisms. Furthermore, the paper emphasizes the need for future banking reforms to address recurring inflationary pressures and foreign exchange market volatility in Nigeria.
BAITUL MAL DALAM SISTEM EKONOMI: Kajian Komparasi Fungsi dengan Bank Sentral dan Kementerian Keuangan Fitrianto, Achmad Room
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 4 No. 2 (2014): October
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2014.4.2.804-821

Abstract

An economy system cannot run smoothly without functions of budgeting and regulating function. Whether it to manage the government spending or to determine the taxes. Both functions was recorded in the early Islamic government. This financial institution known as Baitul Mal. Recently the baitul mal just functioned as not functioned as financial institution that manages the government spending and earning. However if we were have a look back to the Islamic history, baitul mal were functioned as called the ministry of finance and the bank central. History financial institution that manage the government spending and earning exactly look like what the Ministry of finance and The bank Central function. This writing tries to show based on the early Islamic government about the baitul mal function, how it was work, who was in charge and soon. Afterward those functions are compared. In conclusion, the Baitul mal in the early Islamic Government had similar function as the Ministry of finance and the bank Central function on the modern government.
Investasi Islam: Analisis Bibliometrik Darmawan, Andre Pupung; Fitrianto, Achmad Room
Madania: Jurnal Ilmu-Ilmu Keislaman Vol 13, No 2 (2023): Madania
Publisher : Universitas Islam Negeri Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jiik.v13i2.26916

Abstract

Investasi Islam memiliki peran yang penting dalam pembangunan ekonomi Islam. Penelitian ini bertujuan untuk menganalisis trend penelitian bertema investasi Islam yang dilihat melalui dokumen publikasi. Terdapat perbedaan mendasar antara investasi Islam dan investasi konvensional pada sistem yang digunakan. Berangkat dari hal ini, penelitian melakukan pemetaan melalui analisis bibliometrik untuk melihat struktur investasi Islam yang telah berkembang berdasarkan publikasi ilmiah. Data penelitian diambil dari database scopus yang sudah dipublikasi dari tahun 2013 sampai 2023. Data yang ditemukan sebanyak 972 jurnal publikasi. Analisis penelitian menggunakan software VOS Viewer 1.6.19. Hasil penelitian menunjukan bahwa klaster penelitian yang muncul berfokus pada tema investasi perbankan Islam, sukuk, pasar modal Islam dan diversifikasi portofolio. Penelitian ini menunjukan secara teoritis bahwa Investasi islam memiliki peran penting dalam meningkatkan pertumbuhan ekonomi. Implikasi terhadap teori dibahas lebih lanjut dalam mengembagkan investasi Islam kedepan malalui model-model empiris. Penelitian ini memberikan analisis struktur investasi Islam.
PERAN PERDAGANGAN INTERNASIONAL BAGI PERTUMBUHAN EKONOMI INDONESIA: TANTANGAN DAN PELUANG DI ERA GLOBALISASI DALAM PERSPEKTIF ISLAM Rufaedah, Dina Anisya; Fitrianto, Achmad Room
MUSLIM HERITAGE Vol 9 No 1 (2024): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v9i1.7707

Abstract

AbstractA country is said to be successful and successfully represented through a high rate of economic growth, it can be achieved by one of them is through export and import activities. As Islam views the economy by looking at the practices that have been carried out by the Prophet Muhammad, his family and companions who have conducted cross-country trade in the Arabian Peninsula, the border areas of Yemen, Bahrain, Syria and others. The problem arises that export activities are lower than imports, causing the trade balance to be negative, the exchange rate and people’s purchasing power to decline so that it can affect economic growth. Economic growth cannot be far from economic development, because economic development encourages economic growth, and conversely economic growth will facilitate the process of economic development. This article discusses the role of international trade for Indonesia’s economic growth from an Islamic perspective using the literature review method. It can be seen that Indonesia’s economy has improved in 2022. This can be seen from the increase in export and import activities that are being carried out by Indonesia and the increase in national income as indicated by the value of GDP obtained by Indonesia. Exports carried out by Indonesia are one of the steps to increase the country’s national income, thus the economy can grow and improve in the future. AbstrakSuatu negara dikatakan sukses dan berhasil terpresentasikan melalui laju kecepatan pertumbuhan ekonominya yang tinggi, hal itu dapat dicapai dengan salah satunya ialah melalui kegiatan ekspor dan impor. Sebagaimana Islam memandang ekonomi dengan melihat praktik yang telah di lakukan oleh Rasulullah SAW, keluarga dan para sahabatnya yang telah melakukan perdagangan lintas negara di Jazirah Arab, wilayah perbatasan Yaman, Bahrain, Syria dan lainnya. Permasalahannya muncul kegiatan ekspor ternyata lebih rendah dari impor sehingga menyebabkan neraca perdagangan menjadi negatif, nilai tukar serta daya beli masyarakat menurun sehingga hal tersebut dapat berpengaruh terhadap pertumbuhan ekonomi. Pertumbuhan ekonomi (economic growth) tidak bisa jauh dari pembangunan ekonomi, sebab pembangunan ekonomi mendorong terjadinya pertumbuhan ekonomi, dan sebaliknya pertumbuhan ekonomi akan memperlancar jalannya proses pembangunan ekonomi. Artikel ini mendiskusikan tentang peranan perdagangan internasional bagi pertumbuhan ekonomi Indonesia perspektif Islam menggunakan metode literature review. Dapat diketahui bahwa ekonomi Indonesia telah membaik pada tahun 2022. Hal ini terlihat dari meningkatnya kegiatan ekspor dan impor yang tengah dilakukan oleh Indonesia serta meningkatnya pendapatan nasional yang ditunjukkan oleh nilai GDP yang diperoleh Indonesia. Ekspor yang dilakukan oleh Indonesia merupakan salah satu langkah untuk meningkatkan pendapatan nasional negara, dengan demikian maka ekonomi dapat semakin tumbuh dan membaik kedepannya.
Analisis Daya Saing Kopi Indonesia Dan Vietnam Di Pasar ASEAN Paramita, Ayu Dyah; Fitrianto, Achmad Room
Jurnal Ekonomi Pertanian dan Agribisnis Vol. 8 No. 3 (2024)
Publisher : Department of Agricultural Social Economics, Faculty of Agriculture, Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jepa.2024.008.03.9

Abstract

Salah satu produk ekspor utama Indonesia adalah kopi, dan pada tahun 2022/2023, Indonesia menduduki peringkat ketiga sebagai produsen kopi terbesar di dunia dengan produksi sekitar 11,85 juta kantong. Peringkat pertama dipegang oleh Brazil, diikuti oleh Vietnam, yang merupakan anggota ASEAN seperti Indonesia. Dengan demikian, Indonesia merupakan negara penghasil kopi terbesar kedua di ASEAN. Vietnam, sebagai pesaing utama Indonesia dalam ekspor kopi, menjadi titik perbandingan yang relevan karena keduanya merupakan dua dari tiga produsen kopi terbesar di dunia yang berasal dari Asia Tenggara. Namun, perlu dicatat bahwa Indonesia jauh kalah dalam hal ekspor kopi, baik ke pasar global maupun ke pasar ASEAN. Untuk menilai daya saing ekspor kopi Indonesia, penelitian ini menggunakan metode analisis deskriptif dan kuantitatif. Pendekatan kuantitatif melibatkan penggunaan Revealed Comparative Advantage (RCA). Data yang digunakan adalah jenis kopi HS 090111 (Coffee, not roasted, not decaffeinated), karena jenis kopi ini lebih diminati di pasar ASEAN. Hasil penelitian menunjukkan bahwa rata-rata RCA Indonesia di pasar ASEAN adalah 6,3, sementara Vietnam mencapai angka 22,3. Secara umum, hasil penelitian menunjukkan bahwa kopi Vietnam memiliki daya saing yang lebih kuat dibandingkan dengan produk kopi asal Indonesia.
The Risk Management of Gold Pawn Product in Bank Syariah Indonesia (BSI) Krian Branch Ahmad, Ardhi Seiva; Rohim, Ahmad Khoirur; Billah, Muhammad Arif; Fitrianto, Achmad Room
AL-QARDH Vol 6 No 2 (2021): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

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

Abstract

The purpose of this research is to analyze the risk management of the BSI gold pawn product in the BSI Krian branch. This research is a qualitative research. In this research, the official of BSI Krian branch served as key informants which have a adequate knowledge about financing process BSI gold pawn. Data collection conducted through interview, documentation, and observation techniques. The result of this research shows that BSI Krian branch implements risk management on the BSI gold pawn product. There are four steps in the process of implementing risk management on the gold pawn product BSI Krian branch; risk identification, risk measurement, risk monitoring, and risk control. Besides implement risk management BSI Krian branch has prepared risk mitigation on the gold pawn product. The mitigation processes are to mitigate the miss gold estimation accuracy, the gold storage risk, the risk of payment failure or jamming, the last but not least is mitigate the gold price drop. In the implementation of risk management and risk mitigation by BSI Krian Branch there are two obstacles those are from internal and external banks. In the effort to face that obstacles, BSI Krian branch has had an effort to overcome both from internal and external banks. With the implementation of risk management on the gold pawn product by BSI Krian branch can prevent and minimize the risk which arise from that financing
PERAN PERDAGANGAN INTERNASIONAL BAGI PERTUMBUHAN EKONOMI INDONESIA: TANTANGAN DAN PELUANG DI ERA GLOBALISASI DALAM PERSPEKTIF ISLAM Rufaedah, Dina Anisya; Fitrianto, Achmad Room
MUSLIM HERITAGE Vol 9 No 1 (2024): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v9i1.7707

Abstract

AbstractA country is said to be successful and successfully represented through a high rate of economic growth, it can be achieved by one of them is through export and import activities. As Islam views the economy by looking at the practices that have been carried out by the Prophet Muhammad, his family and companions who have conducted cross-country trade in the Arabian Peninsula, the border areas of Yemen, Bahrain, Syria and others. The problem arises that export activities are lower than imports, causing the trade balance to be negative, the exchange rate and people’s purchasing power to decline so that it can affect economic growth. Economic growth cannot be far from economic development, because economic development encourages economic growth, and conversely economic growth will facilitate the process of economic development. This article discusses the role of international trade for Indonesia’s economic growth from an Islamic perspective using the literature review method. It can be seen that Indonesia’s economy has improved in 2022. This can be seen from the increase in export and import activities that are being carried out by Indonesia and the increase in national income as indicated by the value of GDP obtained by Indonesia. Exports carried out by Indonesia are one of the steps to increase the country’s national income, thus the economy can grow and improve in the future. AbstrakSuatu negara dikatakan sukses dan berhasil terpresentasikan melalui laju kecepatan pertumbuhan ekonominya yang tinggi, hal itu dapat dicapai dengan salah satunya ialah melalui kegiatan ekspor dan impor. Sebagaimana Islam memandang ekonomi dengan melihat praktik yang telah di lakukan oleh Rasulullah SAW, keluarga dan para sahabatnya yang telah melakukan perdagangan lintas negara di Jazirah Arab, wilayah perbatasan Yaman, Bahrain, Syria dan lainnya. Permasalahannya muncul kegiatan ekspor ternyata lebih rendah dari impor sehingga menyebabkan neraca perdagangan menjadi negatif, nilai tukar serta daya beli masyarakat menurun sehingga hal tersebut dapat berpengaruh terhadap pertumbuhan ekonomi. Pertumbuhan ekonomi (economic growth) tidak bisa jauh dari pembangunan ekonomi, sebab pembangunan ekonomi mendorong terjadinya pertumbuhan ekonomi, dan sebaliknya pertumbuhan ekonomi akan memperlancar jalannya proses pembangunan ekonomi. Artikel ini mendiskusikan tentang peranan perdagangan internasional bagi pertumbuhan ekonomi Indonesia perspektif Islam menggunakan metode literature review. Dapat diketahui bahwa ekonomi Indonesia telah membaik pada tahun 2022. Hal ini terlihat dari meningkatnya kegiatan ekspor dan impor yang tengah dilakukan oleh Indonesia serta meningkatnya pendapatan nasional yang ditunjukkan oleh nilai GDP yang diperoleh Indonesia. Ekspor yang dilakukan oleh Indonesia merupakan salah satu langkah untuk meningkatkan pendapatan nasional negara, dengan demikian maka ekonomi dapat semakin tumbuh dan membaik kedepannya.
Lembaga Kekhalifahan sebagai Suatu Institusi Politik Fitrianto, Achmad Room
el Harakah: Jurnal Budaya Islam Vol 12, No 2 (2010): EL HARAKAH
Publisher : UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/el.v0i0.448

Abstract

The issue of leadership succession has always been an interesting issue of all time. Beside the emergence of the issue of succession and power struggles, the problems of empowering the people and sustaining the civilization are also one of the keys of power transitions. One of the most widely known leadership succession in history is the successions that happened after the death of the Prophet Muhammad saw. This episode  was responded variously by many parties of that time. However, Abu Bakar came up with an awareness that the death of the Prophet Muhammad saw was not the end of anything. There is a huge responsibility to continue the islamic civilization that has been built by the Prophet Muhammad saw. Therefore, the caliphate system was developed and established. At the time of Umar as, the caliphate system was enhanced with the establishment of the Shura Council. Dynamic development of the caliphate system has become an interesting study recently. The system was built based on the divine prophetic system. It was then adopted into a system that puts its main concerns for the society. After some time, the system was degraded by the worldly interests of the Umayyad family who turned it into a monarchy system. However, the development of this system through periods can be analyze in order to gain some valuable lessons for the modern leaderships. Isu suksesi kepemimpinan selalu menjadi isu menarik sepanjang masa. Selain munculnya isu suksesi dan perebutan kekuasaan, masalah pemberdayaan masyarakat dan penengah peradaban juga merupakan salah satu kunci transisi kekuasaan. Salah satu suksesi kepemimpinan yang paling banyak dikenal dalam sejarah adalah suksesi yang terjadi setelah kematian Nabi Muhammad saw. Ini banyak ditanggapi oleh banyak pihak. Namun, Abu Bakar muncul dengan kesadaran bahwa kematian Nabi Muhammad saw saw bukanlah akhir dari apapun. Ada tanggung jawab besar untuk melanjutkan peradaban islami yang telah dibangun oleh Nabi Muhammad saw. Oleh karena itu, sistem khilafah dikembangkan dan didirikan. Pada saat Umar, sistem khilafah ditingkatkan dengan pembentukan Dewan Syura. Perkembangan dinamis sistem khilafah telah menjadi studi menarik baru-baru ini. Sistem ini dibangun berdasarkan sistem nubuatan ilahi. Kemudian diadopsi ke dalam sistem yang menempatkan perhatian utamanya bagi masyarakat. Setelah beberapa lama, sistem itu terdegradasi oleh kepentingan duniawi keluarga Umayyah yang mengubahnya menjadi sistem monarki. Namun, pengembangan sistem ini melalui periode dapat dianalisis untuk mendapatkan beberapa pelajaran berharga bagi kepemimpinan modern.
Tenaga Muda Pertanian dan Ketahanan Pangan di Indonesia Setiani, Salsa Yuli; Pratiwi, Tika; Fitrianto, Achmad Room
Cakrawala Vol. 15 No. 2: Desember 2021
Publisher : Badan Riset dan Inovasi Daerah Provinsi Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32781/cakrawala.v15i2.386

Abstract

Petani berperan dalam pembangunan nasional. Petani juga berperan penting dalam memenuhi kebutuhan pangan masyarakat. Sumber Daya Manusia di sektor pertanian yang mempunyai kualitas yang baik merupakan salah satu faktor penentu kemajuan pembangunan sektor pertanian. Tetapi, pembangunan sektor pertanian di Indonesia menghadapi masalah yang cukup serius, yaitu minimnya generasi muda yang enggan untuk bekerja dalam sektor pertanian. Penulisan artikel ini bertujuan untuk menganalisis minimnya tenaga kerja usia muda terhadap sektor pertanian sehingga berdampak buruk terhadap ketahanan pangan di Indonesia. Penulis menggunakan metode kualitatif karena berhubungan langsung dengan kehidupan manusia secara fundamental yang bergantung pada observasi. Hasil dari penelitian ini menunjukkan bahwa minimnya tenaga kerja usia muda dalam sektor pertanian dikarenakan kurangnya minat dan kepercayaan akan sektor pertanian yang dianggap kurang menjanjikan untuk masa depan. Namun, tenaga muda dalam sektor pertanian sangat dibutuhkan untuk memepertahankan serta memajukan pangan di Indonesia.
A Rural Community’s Livelihood Dynamic in the maintenance of a Mangrove Area as a Tourist Destination Fitrianto, Achmad Room; Samsuri, Andriani
ASEAN Journal of Community Engagement Vol. 5, No. 1
Publisher : UI Scholars Hub

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

Abstract

This study identifies the problems faced by the residents of Banyuurip village and their adaptation efforts in preserving their mangrove areas. This paper aims to portray the community behavior dynamic in conserving the environment in line with the growth of pop culture in the social media era. Three components will be examined: first, the way people behave toward their environment; second, the economic pressure and the resources maximizing process, and the last component being the environmental issues that are framed in local political ecology. This paper uses the following five phases identified by the Sustainable Livelihood Framework (SLF): identifying vulnerabilities in the community, mapping the livelihood assets of the community, observing the transformation of structures and processes, identifying strategies implemented by the community, and formulating solutions. The SLF approach is useful for removing traditional barriers and is able to evaluate and modify the approach taken to follow the latest trends in society, by enriching the information gathered through this participation. This paper’s findings maintain that the mangrove conservation area in Banyuurip Village reassures the community of its potential use as conservation land and an alternative source of livelihood. However, the manpower required to conserve the mangrove consists mainly of senior residents and is partially supported by the younger generation. Conserving mangroves requires a lot of funds and is an arduous process. It requires support from several parties, such as local companies, mining companies, universities, government agencies, and others.
Co-Authors Abdul Hakim Abdul Karim Hasibuan Achsania Hendratmi agustin, riska Ahmad Khoirur Rohim Ahmad Munir Hamid Ahmad Syarof Haqiqi Ahmad, Ardhi Seiva Ahmed, Ishfaq Ahsan, Muhamad Aidah Kamaliah Ajeng Tita Nawangsari Alfath Iqbaal Chairulhaq Alvina Mutia Hendarti Ana Toni Roby Candra Yudha Anasa, Fadhillah Avichena  Andini Bina Fauziah Andri Afianto Andriani Samsuri Aprillia, Avisa Sekar Aqsha Ramadhana Ardhi Seiva Ahmad Arif Nur Aini, Istantya Ningrum Wahyu Arista, Setia Rini Aslichatul Insiyah Athifa W. Fitri Khoirunnisa Ayu Fahmi Rosydianah Azizah, Aprilia Nur Betty Silfia Billah, Muhammad Arif Churin Iin Danmaraya, Mubarak Aliyu Darmawan, Andre Pupung Deddy Setyawan Dewi Setya Rahmawati Dimas Arsvendo Een Rizki Amaliyah Fadlin Ragil Nazar Fahrurrozi Fahrurrozi Faridatus Shobiyah Fathimatuz Zahroh Fathimatuz Zahroh, Fathimatuz Fatikhah Ghofi Nabila Fikha Nur Anisa Fira Talitha Salsabila FIRDAYANTI HADIANSYAH Firdayanti Hadiansyah Fitri Mellynia Astiti Fitriana Dewi Fitrianti, Yuyun Gibbons, Nadine Elizabeth Hamid, Ahmed Munir Hanif Dzaky Rahmatullah Haqiqi, Ahmad Syarof Hasna Anugerah Viola Hasna Anugerah Viola Hikmah, Lailatul Himma Ellhaya Ifa Nur Azizah Ifa Nur Azizah Iftekhar Ahmed Robin Ika Putri Susilowati Islacha, Chikmatul Jodi Rizki Kusuma Khoirun Niam Kholison, Rohmatul Farohah Khusnul Khotimah Kusuma, Jodi Rizki Lailatul Amaliyah Lailaturrohmah, Faizah Luthfiyah Syafa Faizzah M Fathullah M. Handri Ansah Martha Hendrati, Ignatia Mas Adah Masruroh, Aniswatun Maydila Kifty Arinda Mijinyawa, Sadiq Ibrahim Mochammad Ilyas Junjunan Mohammad Azharudin Muhamad Ahsan Muhammad Arif Billah Muhammad Fatchullah El Islami Muhammad Fauzin Nur Muhammad, Auwalu Shuaibu Nabila, Fatikhah Ghofi Nadine Elizabeth Gibbons Nadya Safirasari Setiawan Naswa Faqrizah Al-Widad Nasywa Anindya Wiraputri Nazar, Fadlin Ragil Noormann Atoillah Nur Afiyatur Rohmah NUR FAUZIYAH Nur Syam Nurul Lathifah Nuruni Ika Kusuma Wardhani Oslam Ahmadia Paramita, Ayu Dyah Pegy Dwi Yuliani Purwanto Pertiwi, Tanza Dona Pratiwi, Fitriyana Eka Puspa Arum Yasinatul Putri Intani Aisa Masruil Putri Intani Aisa Masruil Putri, Larasati Widya Rahayu, Putri Dwi Rahmadhani, Shelvia Agustine Rahmat Rizki Sinulingga Ramadhana, Aqsha Ramadhani, Eka Nur Wahyu Safitri Ramadhani, Rina Reza Milenia Fendi Ries Dyah Fitriyah Riska Agustin Rofiqotur Riskiyah Rohim, Ahmad Khoirur Rufaedah, Dina Anisya Salma Fajriani Putri Sedjati, Mangesti Waluyo Septiana Hidayanti Setia Rini Arista Setiani, Salsa Yuli Shidqie, Azzam Silviana Safitri Siti Alfia Ayu Rohmayanti Siti Hasna Madinah Slamet Dwi Chandra Sri Wigati Tika Pratiwi Tri Sukma Yuwana Ummah, Umrotul Khoiroh Viola, Hasna Anugerah Yasinatul, Puspa Arum Zahrotun Nadhifa Zakiyatul Fakhiroh