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Dharma, Budi
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ANALISIS EFEKTIVITAS PENGHIMPUNAN DAN PENYALURAN ZAKAT PRODUKTIF DI BADAN AMIL ZAKAT NASIONAL (BAZNAS) KABUPATEN PADANG LAWAS Maya Dian Eka Sari; Saparuddin Siregar; Budi Dharma
JURNAL ILMIAH EDUNOMIKA Vol 7, No 2 (2023): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i2.9253

Abstract

Productive Zakat is the allocation of zakat money to beneficiaries (Mustahik) which is used to develop their business in order to meet their daily needs in a sustainable manner and is not directly used for consumption needs. The purpose of this study was to determine the effectiveness of the collection and distribution of productive zakat at the National Amil Zakat Agency (BAZNAS) in Padang Lawas Regency. This research is a descriptive qualitative research and literature review using data collection techniques through interviews and documentation. While to measure effectiveness with the measurement of Zakat Core Principle (ZCP). The results of the study indicate that the effectiveness of the collection and distribution of productive zakat in the National Amil Zakat Agency (BAZNAS) of Padang Lawas Regency by measuring the effectiveness of the distribution of zakat core principle (ZCP), then the ACR category in 2022 is Effective. The proportion of zakat funds distributed in the 2022 period amounted to 85.95%. This shows that zakat institutions have the ability to collect and distribute effectively, because the distribution of funds in the National Amil Zakat Agency (BAZNAS) of Padang Lawas Regency is 85.95% in 2022. Keywords : Effectiveness, Collection, Distribution, Productive Zakat
Perilaku Fear Of Missing Out (FOMO) Dalam Konsumsi Di Kalangan Mahasiswa FEBI UINSU Ditinjau Dalam Prespektif Maslahah Riska Syahputri Nasution; Sugianto Sugianto; Budi Dharma
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 11 No 2 (2023)
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v11i2.6819

Abstract

This study highlights the complexity of FOMO behavior in fashion consumption among students at the Faculty of Islamic Economics and Business, North Sumatra State Islamic University (FEBI UINSU), taking into account the maslahah perspective in Islam. Using a phenomenological research method with an exploratory qualitative approach, data was obtained through Systematic Literature Review (SLR), interviews and observations of 97 students. The research results show that dependence on social media has influenced the way students spend their time and make their consumption decisions. FOMO is a major driver of online activity, with celebrities, influencers and personal role models having a huge influence in shaping their fashion preferences. Students often feel anxious if they are not involved in current trends on social media. However, there is awareness of the negative impact of consumer behavior triggered by FOMO, which encourages some students to prioritize needs over wants in their consumption. This research highlights the importance of awareness of the influence of social media and developing self-control in dealing with consumer behavior. As students study the principles of Islamic economics, they are expected to apply these principles in their daily lives to manage fashion consumption wisely and responsibly.
Contibution of Sharia fintech to micro, small, and medium enterprises’ inclusivity in Kisaran City Maharani, Sri; Nurbaiti, Nurbaiti; Dharma, Budi
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art7

Abstract

IntroductionChallenges in access to inclusive financial services are still a major issue for many micro, small and medium enterprises in Indonesia, including in Kisaran City. However, research that specifically discusses this is still rarely carried out.ObjectivesThis research aims to analyze the role of sharia fintech in increasing the inclusiveness of micro, small and medium enterprises in Kisaran City.MethodThis research uses qualitative approach with primary data is obtained by interviewing three MSMEs owners using Sharia fintech. Secondary data is collected from books, the internet, academic journals, archives, and official records.ResultsThe results of this research show an increase in the use of Sharia Fintech by micro, small and medium enterprises in Kisaran City in 2020-2023. Apart from that, the use of Sharia fintech has a positive influence in increasing financial inclusiveness and encouraging the growth of micro, small and medium enterprises in Kisaran City..ImplicationsMicro, small and medium enterprises can use financial services from sharia fintech to increase access to funding and to expand customer payment models. Policy makers can continue to increase the role of sharia fintech for inclusiveness of micro, small and medium enterprises through more certain regulations and also increasing public education.Originality/NoveltyThis study contributes to enrich studies in the field of financial inclusion for micro, small, and medium enterprises with emphasize on the use of fintech.
A comparative analysis of factors determining the value of the Indonesian Sharia Stock Index (ISSI) before and after the Covid-19 Franadita, Dwi; Daulay, Aqwa Naser; Dharma, Budi
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art15

Abstract

IntroductionThe Covid-19 pandemic had profound impacts on global financial markets, prompting extensive research to understand how various economic sectors, including sharia-compliant stocks, responded to the crisis. ObjectivesThis study aims to compare the determinant factors affecting the ISS (Indonesian Sharia Stock Index) during the periods before and after Covid-19 in Indonesia.MethodA descriptive and verificative quantitative research method was employed, validating collected data and examining the relationships between variables using statistical procedures to test research hypotheses. The data sources utilized were secondary data published by the Indonesia Stock Exchange (IDX). Data analysis techniques included Normality Tests and Paired Sample T-tests. Data processing was assisted by SPSS for Windows Version 22.00. The sample comprised data from the Indonesian Sharia Stock Index before and after Covid-19, covering the period from 2018 to 2022.ResultsThe study's findings indicate an increase in the Indonesian Sharia Stock Index post-Covid-19, with a significant difference observed before and after Covid-19.ImplicationsThe significant increase in the Indonesian Sharia Stock Index post-Covid-19 implies that sharia-compliant investments demonstrated resilience and potential for recovery in the face of economic disruptions, highlighting their viability as a robust investment option during and after financial crises.Originality/NoveltyThis study provides a novel comparative analysis of the factors influencing the Indonesian Sharia Stock Index before and after Covid-19, offering new insights into the pandemic's differential impact on sharia-compliant financial instruments.
The effectiveness of Bantuan Langsung Tunai (Direct Cash Assistance) implementation in enhancing community welfare from the perspective of Islamic economics Indriyanti, Putri; Qarni, Waizul; Dharma, Budi
Journal of Islamic Economics Lariba Vol. 10 No. 1 (2024)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol10.iss1.art18

Abstract

IntroductionThe Direct Cash Assistance (BLT) program is a vital government project designed to mitigate poverty and enhance the well-being of low-income households in Indonesia. The BLT program has been launched in Rawa Bening Village, Bandar Subdistrict, Simalungun Regency to offer prompt financial assistance to communities that are at risk.ObjectivesThe objective of this study is to assess the efficacy of the BLT program in Rawa Bening Village by analyzing important factors such as comprehension of the program, precise targeting, promptness, achievement of objectives, and tangible outcomes. Furthermore, it examines the utilization of Islamic economic ideas in the execution of the program.MethodThe research employed a qualitative descriptive approach, which entailed conducting interviews with village officials and aid beneficiaries, as well as making observations and documenting the findings. The data analysis adhered to the methodologies provided by Miles and Huberman, which involved the processes of data reduction, data presentation, and drawing conclusions. The program's success was assessed utilizing the Reference Ratio provided by the Research and Development Agency of the Ministry of Home Affairs.ResultsThe analysis revealed that the BLT program had a quite effective impact on the living conditions of 78.4% of the residents in Rawa Bening Village. Although the program had a high level of efficiency in terms of being timely and accurately addressing its objectives, it only achieved modest success in terms of program comprehension and producing tangible results.ImplicationsThe results emphasize the capacity of direct financial support programs to offer immediate relief and contribute to long-term socio-economic progress. The study emphasizes the significance of improving communication tactics and integrating ongoing feedback systems for policymakers. The utilization of Islamic economic principles, including justice, honesty, welfare, and responsibility, offers a sturdy framework for assessing and enhancing social welfare programs.Originality/NoveltyThis study provides a distinctive viewpoint by incorporating Islamic economic ideas into the assessment of a government assistance program. It adds to the overall comprehension of how cultural and religious factors can improve the efficiency of efforts to reduce poverty.
Analysis of the Sustainability of the Charcoal Business in Firdaus Village, Bilah Hulu District, Labuhan Batu Regency Harahap, Yeni Marlina; Yusrizal, Yusrizal; Dharma, Budi
MediaTrend Vol 19, No 2 (2024): OKTOBER
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v19i2.27607

Abstract

One of the rubber wood derivative products that can be used as a product is charcoal, and charcoal has promising business potential and can be developed. This research aims to construct strategies that can be used by wood charcoal entrepreneurs to improve their business. Using a qualitative approach, the research focus is charcoal business owners, sellers and consumers. The analysis tool used is SWOT to recommend strategies. The analysis results show that the wood charcoal industry is in quadrant 1 of the SWOT diagram, which shows an aggressive business continuity strategy by utilizing strength and opportunity (S-O) factors. From the research results, the recommended strategy includes increasing business experience, increasing production capacity, and product development to expand business networks. These steps are expected to ensure the sustainability and growth of the wood charcoal business in Firdaus Village, by maximizing internal strengths and external opportunities and facing various existing challenges effectively.
Optimizing Taste Perception to Increase Purchasing Decisions at “Warung Nenek” Rahma, Tri Inda Fadhila; Dharma, Budi; Pane, Nurdyanti Choirunnisa; Herlin, Annisa Rahmah
Taqaddum: Community Service Journal Vol 2, No 1 (2024): Taqaddum: Community Service Journal
Publisher : Universitas Islam Negeri Sumatera Utara

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

Abstract

The rapid growth of the culinary sector has created a highly competitive environment, compelling businesses to innovate and implement strategies to attract and retain customers. This study focuses on Rumah Makan Nenek, a popular dining spot near the State Islamic University of North Sumatra, known for its distinctive flavors and affordable prices. Despite its appeal, the restaurant faces challenges from an increasing number of dining options around the campus. Taste perception, a crucial factor in consumer purchasing decisions, plays a significant role in customer satisfaction and loyalty. This research employed Deep Interviews to gather detailed consumer feedback on taste perceptions and used Education and Training methods to enhance flavor quality and restaurant management. Additionally, Collaboration methods were applied to boost the restaurant's visibility. The findings reveal that a thorough understanding of taste perception is essential for maintaining high customer satisfaction and optimizing sales. Strategies recommended include focusing on ingredient quality, innovating recipes, conducting regular staff training, and utilizing social media for marketing. Ensuring a positive overall dining experience, including friendly service and a comfortable atmosphere, is vital for building customer loyalty and attracting new patrons. The study highlights the importance of integrating taste with other factors such as service quality and ambiance to sustain and grow in a competitive market.
Model Pengelolaan Limbah Usaha Tahu Ditinjau Dari Konsep Maqasid Syariah (Studi Kasus di Kelurahan Sari Rejo) Pratama, M. Luthfi Arif; Harahap, Muhammad Ikhsan; Dharma, Budi
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.15103

Abstract

Waste management is closely associated with industry. Poor waste management practices can negatively affect the environment, contaminate nearby areas, and pose health risks to people. In light of these issues, this study focuses on 1) How to process the use of solid waste and liquid waste so that it can be reused or consumed again.2 ) What is Maslahah Mursale's analysis of the value of Hifdzu an-Nafs, Hifdzu al-Mal, Hifdzu al-Bi'ah in handling trash from the tofu business. This study employs a qualitative methodology as a case study. This study's main sources of data include observations, conversations with tofu factory managers, local communities and consumers who buy tofu waste and descriptive analysis. Reviewed with secondary data in the form of general conditions of the research location as well as journals, previous research and matters related to research. Techniques for qualitative descriptive data analysis are used in this study. The findings of this study are 1) in the management of liquid waste from the tofu industry into Nata de soya which has economic value. 2) in the management of liquid waste in the tofu industry in Kel. Sari Rejo, the researchers linked several efforts that were or were not in accordance with maqasid syari'ah. There are three points, namely hifdzuh Hifdzu al-mal (care for assets), hifdzu al bi'ah (care for the environment), and an-nafs (care for the soul).
Analysis of the Benefits of Palm Oil Waste for Improving Economic Welfare of Communities in Kualuh Hulu District Kurniawan, Ervandy; Qarni, Waizul; Dharma, Budi
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13803

Abstract

Lidi, as a byproduct of palm oil, can be crafted into unique and appealing handicrafts that are in demand both domestically and internationally. With support from the government and local funders, these local products can achieve high market value. This study aims to understand the benefits of palm oil waste in improving the financial well-being of residents in Kualuh Hulu District. This research employs a descriptive qualitative method by conducting interviews with 15 experts, including lidi craftsmen, small collectors, and large collectors in Kualuh Hulu District. The results show that palm oil lidi is abundant in Kualuh Hulu, with an average monthly production of 24 tons and an annual production of up to 293 tons. Economic growth in Labuhanbatu Utara Regency also increased by 3.83% in 2022, driven by the agriculture, plantation, forestry, and fisheries sectors, which achieved the highest growth at 5.44%. The information and communication sector grew by 5.05%, and the financial services and insurance sector by 4.62%.
The Influence Of Tourist Visits On The Welfare Of The Surrounding Community (Case Study Of Selemak Deli Serdang Village) Lubis, Mutiara; Jannah, Nurul; Dharma, Budi
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 1, No 2 (2017): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3..10821

Abstract

The purpose of this study is to determine the impact of village welfare on tourists' visits to Selemak Village in Deli Serdang. In this study, wellbeing is the dependent variable and tourist visits are the independent variable. A quantitative technique including causality investigations is employed. Saturated sampling was used in this study to choose 50 village vendors as samples. There will be fifty respondents in all that the researchers employ for this study. Data were collected using a Likert scale questionnaire, and the SPSS version 26 program was utilized for basic regression analysis. With a regression coefficient of 0.443, the research demonstrates a positive association between tourist visits and community wellbeing. This implies that a 1% increase in tourist visits might result in a 0.443% improvement in community welfare. The tourist visit variable explains 17.8% of the variability in community wellbeing, with other factors influencing the remaining portion, according to the coefficient of determination (R2). The wellbeing of the community in Selemak Village, Deli Serdang, is significantly impacted by tourist visits, according to the study's findings. Tourism managers and regulators may utilize research findings as a starting point to develop strategies and rules that more effectively increase visitor visitation.
Co-Authors Adawiyah, Rabiatun Ade Pranajaya adelika, adelika Adinda Sefina Annisa Afdillah Nur Aisyah Sinaga Aflah, Nadhrah Al Afsari, Fidiya Agung Wibowo Ahmaad Thoriq Alfan Ahmaad Thoriq Alfan Ahmad Amin Dalimunte ahmad fauzi nasution Ahmad Muhaisin B. Syarbaini Ahmad Muharmansyah Rezeki Maulana Ahmad Syarbaini Aidhawani Aisyah Amini Aisyah Fitri Pasaribu Alam, Ryan Saputra Alfaqih Thariq Azizy Hasibuan Alifa Adzra Siregar Alifia Nasya Manurung Alimuddin Pohan Almi Rahmadani Siregar Amalia Munajah Nasution Amanda Damayanti Nasution Amelia Putri AMELIA, MAYA Andri Soemitra Andri Soemitra Andriani Sahputri Anugrah Ramanda Lubis Aprilla, Vanya Aqwa Naser Daulay Aqwa Naser Daulay Arifin Fauzi Lubis Arman Syafii Harahap Asmita, Riza Ayu Asri Lestari Aswinanta, Asrul atika Atika Atika Aulia, Niki Auliya Ahmad Suhardi Ayu Andini Ayu Andini Azhari Akmal Tarigan Azizah Mudrikah Azizah Mudrikah Baehaqi Br Tarigan, Emi Yani Teta Budi Harianto Bunayyati Hakimah S. Meliala Chadisa Rizky Ananda Cici Winda Atila Cici Winda Atila Dara Citra Pratiwi Devyana, Melati Dhea Nita Syafina Rambe Diah Ananda Kharisma Diah Safri Yulinda Dian Irmawani Dian Novitri Dinda Savira Viantika Djauky Ridho Amwa Dwi Ayu Wulandari, Dwi Ayu Dwy Franadita Elsa mayori Elsa Zulfita Elsa Zulfita Erika Sri Wahyuni Eski Aditya Fachrezi, Harahap Adrie Fadillah, Aditya Fadiya Maysaroh Lubis Fahmi Rizky Fajri Mustofa Akbar Fakri Mursala Fathur Rahman Fatmasari, Ellya Febri Sari Siahaan Febrianty Try Andini Finik Kharianti Franadita, Dwi Ghilman Rozy Hrp Grace Amalia Tondang Grace Amalia Tondang Gusniati, Putri Hafyah Yasmita Handana Sembiring Harahap, Arman Syafii Harahap, Putri Liana Harahap, Rahmat Daim Harahap, Risky Suleman Alpian Harahap, Yeni Marlina Hasibuan, Elda Anzeli Hasibuan, Rukiana Hediyati, Wirda Hendra Harmain Herlin, Annisa Rahmah Hilman Fauzi, Hilman Hotbin Hasugian Hurian Kamela Husnah, Muslimatul Idham Mahrivi Imamsyah Imamsyah Imsar Imsar Imsar Imsar Imsar Imsar Imsar, Imsar Indah Aryani Indradewa, Rhian Indri Andini Indriyanti, Putri Intan Ayu Pratiwi, Intan Ayu Intan Sari Tanjung Irma Septria Mawarni Isnaini Harahap Jihan Karina Putri Juli Syahputri Juliana Nasution Kartini, Ami Dini Khairi, Ulfah Amirah Khairun Nisa Kharianti , Finik Khoirun Nisa Lubis Khori Ayu Tridyanthi Kurniawan, Dediek Tri Kurniawan, Ervandy Kusmilawaty Kusmilawaty Kusmilawaty, Kusmilawaty Kyoichi Kijima Laila Annisyah Lubis Laila Fitria Layla Nurul Sakinah Laylan Syafina Lestari Perdana Putri Lestari Perdana Putri Lia Purnama Sari Lubis, Aulia Azmi Lubis, Mutiara Lubis, Suci Arifah M. Rafiq Efrianda M. Rafiq Efrianda M. Riswan Azifi Maharani, Nurul Sandra Mahfadillah, Aninda Mahira, Tengku Ismalia Maidalena, Maidalena Mailina, Rani Marliyah Marliyah Marliyah, Marliyah Marwah Auliyani Maulida, Syakya Maya Dian Eka Sari Melati Devyana Mentari Kinanti Surya Sirait Minta Ito Lubis Mira Nur Aisah Monica, Aulia Muhammad Anshari Muhammad Arif Muhammad Farhan Muhammad Hasby Muhammad Ikhsan Harahap Muhammad Indra Pratama Muhammad Iqbal Sayuti Harahap Muhammad Lathief Ilhamy Nasution Muhammad Yafiz Muhammad Yafiz, Muhammad Muhammad Yunus Sofian Muhammad Zauki Hafiezh Murni Sofiah Murni Sofiah Muslimatul Husnah Mustafaruddin Mustafaruddin Mustapa Kamal Rokan Mustapa Khamal Rokan Mutia Sari Mutiara Rahmah Nabila Ananda Putri Harahap Nadya Maulidya M Nafis, Fadly Abdillah Naili Nuril Aufa Manik Nasution, Annio Indah Lestari Nasution, Muhammad Iqbal Nasution, Muhammad Irwan Padli Natzmi, Alvi Niken Rahmadyah Niki Aulia Nila Rosdiana Noor, Atikah Novitri, Dian Nur Ahmadi Bi Rahmani Nur Ainun Fadillah Nur Hazizah Nurbaiti Nurbaiti, Nurbaiti Nurhayati Nurhayati Nuri Aslami Nurlaila Nurul Annisa Nurul Azmi, Syahfrilla Al risa Nurul Haliza Nurul Hayati Panjaitan Nurul Jannah Nurul Jannah Nurwani Nurwani, Nurwani Nurwijayanti Oktofa Yudha Sudrajad Pane, Nurdyanti Choirunnisa Panjaitan, Nurul Hayati Pasaribu, Aisyah Fitri Pertiwi, Dwi Indah Prahaski, Nabila Prasektiyo, Agung Prasetyo, Aris Kukuh Pratama Tarigan, Mhd Agung Pratama, Bagus Mulya Pratama, M. Luthfi Arif Pratama, Muhammad Rifky Preti Intan Sari Purba , Sonia Putri Gusniati Putri Gusniati Putri Indah Fadillah Putri Mardiyyah Hasibuan Putri Salsa Nabila Putri Sepfiani Putri Sepfiani Qarni, Waizul Rafika Azwina Rahmadana, Ogi Rahmadhani, Sophia Rahmah, Dewi Chofifah Rahmah, Mutiara Rahmah, Tri Indah Fadhila Rahmani, Nur Ahmadi Bi Raihan Saputra Raihan Saputra Raihan Sultani Ramadania, Devi Fitriani Ramadhani, Novitri Ramadhani, Sri Ramadhani, Yus Ramandha Niswan Rasyiddin, Ahmad Raudah Azzahra Manurung Raudhatun Sumi Refi Mariska Regina Julmasita Reitandi, Reitandi Reni Ria Armayani Hasibuan Reni Yusnita Rika Nurmitha Rindi Safira Rio Ariangga Riska Arianti Nasution Riska Syahputri Nasution Ritonga, Afdolli Ilman Rohaya, Rohaya Rozi, Yudi Fakhrul Sahputri, Andriani Sandi Pranata Santi Novani Saparuddin Siregar Saparuddin Siregar Sari Harahap, Epa Purnama Sekar Ayu Larasati Selvira Wardani Tanjung Septami Ayu Lestari Hasibuan Septia, Windy setiaji, denden Shelvi Fadillah Harahap Silvi Tri Wardani Simamora, Satria Iam Syafii Simanjuntak, Maryama Azma Siregar, Dedy Rahman Siregar, Muhammad Maulana Sitakar, Beny Siti Jubaidah, Siti Soemitra, Andri Sonia Purba Sri Maharani Sri Ramadhani Suci, Indriani Sugianto Sugianto Suhairi Suhairi Suhairi Suhairi Sy Haura Munawwarah Syahfitri Syahfitri Syahfrilla Al Risa Nurul Azmi Syaputri, Widya Syarbaini, Ahmad Muhaisin B. Syarbaini, Ahmad Muhaisin B. Tamima, Aqila Tanjung, Intan Sari Thoibatul Mardiah Tri Inda Fadhila Rahma Tria Wardani Tria Wardani Try Andini, Febrianty Utami, Annisa Dwi Vera Maytara Viantika, Dinda Savira Vidya Chalista Vina Rahmanda Vira Audini Wahyu Andriansyah Naibaho Waizul Qarni Wardani, Pina Wein Rizki Dharmawan Wein Rizki Dharmawan Widya Syaputri Wiranti, Wiranti Wirda Hediyati Yasmita, Hafsyah Yenni Samri Juliati Nasution Yudi Fakhrul Rozi Yusrizal Yusrizal Yustika Putri, Tasya Zahrina Ghaisany Pulungan Zainarti Zainarti Zainarti Zainarti Zalika Fauja Zsasa Aulia Hubara Zsasa Aulia Hubara Zuhada Hsb, Muhammad Fathur Rizqi Zuhrinal M Nawawi