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Administrasi Perkantoran Awilaras
Dharma, Budi
Universitas Islam Negeri Sumatra Utara
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PERANAN BANK SAMPAH TERHADAP PEMBERDAYAAN EKONOMI MASYARAKAT DALAM TINJAUAN PERSPEKTIF MAQASHID SYARIAH Natzmi, Alvi; Marliyah, Marliyah; Dharma, Budi
MediaTrend Vol 19, No 1 (2024): MARET
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v19i1.25263

Abstract

This research aims to describe the role of the Berkah waste bank in Cinta Makmur Village in empowering the community’s economy from a maqashid sharia perspective. The research uses qualitative methods by means of field observations, interviews with related sources and is supported by several sources such as books, journals and other documents. The results of this research show an increase in fulfilling basic needs, increasing income, increasing independence, and environmental cleanliness. The mechanism for managing the Berkah waste bank is that the community collects their waste, it is collected by the waste bank team, then weighed and recorded in a book. After that, the waste bank team sorts the waste and then sells it to collectors. The role of the Berkah waste bank is very good in managing and sorting waste into goods. which has economic value, so that it can improve the economy of its customers. Islam also teaches us to always maintain cleanliness, with the formation of this waste bank cleanliness begins to be fulfilled. This research has limitations, including that the researcher is limited to observing the running process of the waste bank at any time because the waste bank program schedule is irregular due to officers not being able to regularly pick up the waste. Apart from that, this research is limited to examining the role of the waste bank in empowering the community in improving the economy. and researchers limited the research area to Cinta Makmur Village.
Analysis of multi-factor evaluation process methods in the decision to choose Bumiputera Sharia Life Insurance Simanjuntak, Maryama Azma; Nasution, Annio Indah Lestari; Dharma, Budi
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 6 No 2 (2024)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v6i2.1375

Abstract

Insurance is a crucial financial institution that helps mitigate monetary loss for individuals and businesses. To select suitable insurance products, particularly Sharia life insurance, customers need efficient approaches and relevant information regarding their specific conditions, such as age and payment terms. The Multi-Factor Evaluation Method (MFEP) enhances decision-making by providing accurate and effective evaluations. This research ranks Sharia life insurance products based on their evaluation scores, with the AJSB Assalam Family product receiving the highest score of 3.60, making it the recommended choice for customers. Mitra Iqra' Plus scored 2.80, and Mitra Mabrur Plus scored 2.40. Public interest statements This study provides insight to insurance companies to identify problems in selecting and determining life insurance products. The aim of this research is to use the Multi-Factor Evaluation Process (MFEP) method to prove that companies can determine the best Sharia life insurance products by using appropriate systems and methods.
Pengaruh Pertumbuhan Ekonomi, Angkatan Kerja, Indeks Pembangunan Manusia Dan Upah Minimum Terhadap Tingkat Penangguran Di Kota Medan Pratama, Bagus Mulya; Rahmah, Tri Indah Fadhila; Dharma, Budi
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 1 (2024): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v5i1.4264

Abstract

This study will examine the effect of Economic Growth, the Work Force, and the variable Human Development Index, Minimum Wage on Unemployment in Medan City. The type of research used in this case is quantitative research. The data in this study is secondary data in the form of data for 2016-2021. Sample The method used is saturated sampling. Hypothesis testing was carried out using Eviews 20.0 for windows by testing the independent variables, namely Economic Growth, Labor Force, and the variable Human Development Index, Minimum Wage, the dependent variable, namely Unemployment. The results of this study indicate that Economic Growth, the Labor Force, and the variable Human Development Index, Minimum Wage simultaneously have a significant effect on Unemployment.    
Analisa Perhitungan Beban Pendingin Ruangan Di Komplek Glamour Mansion Tanjung Morawa Mengunakan Aplikasi Cooling Load Daikin Dharma, Budi; Parinduri, Armansyah; Rafiqoh, Sri; Yusfiani, Marnida; Diana, Ayu; Saragih, Jasman Wanfaber Parningotan; Harahap, Muchsin
Impression : Jurnal Teknologi dan Informasi Vol. 2 No. 1 (2023): Maret 2023
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jti.v2i1.329

Abstract

Air conditioning for residential comfort is important for human life for the early days of the changing weather climate that affects the temperature of the air temperature in residential dwellings. The air conditioning system is one of the business actions in the form of maintaining the temperature level in the room from the low level of the ambient temperature around it by absorbing heat from the material or room. The air conditioning load is also carried out to determine the AC capacity needed. Research conducted by the Glamour Mansion Tanjung Morawa Housing Complex using the method used to calculate cooling capacity based on GA (General Arrangement) which includes several parameters, namely the number of people, number of windows, room volume, equipment, and heat from lights. So that the calculation of Heat Calculation, Air Capacity, and Cooling Capacity in a complex is obtained. From the results of the study it is known that the AC cooling load for the Glamour Mansion Tanjung Morawa Complex is the living room 1482 BTU / h, Room I 1953 BTU / h, Room II 800 BTU / h. 1 AC with a capacity of ½ PK in the room. 1 AC with a capacity of ½ PK in each room
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.
The Influence of Green Product, Green Brand Image, and Green Advertising on Le Minerale Product Purchase Preferences among Binjai City Residents . Try Andini, Febrianty; Rokan, Mustapa Khamal; Dharma, Budi
Ilomata International Journal of Management Vol. 6 No. 1 (2025): January 2025
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61194/ijjm.v6i1.1490

Abstract

ABSTRACT: The purpose of this study was to determine how consumer preferences for mineral products in Binjai City, North Sumatra, are influenced by green products, green brand images, and green advertising. Quantitative analysis used responses obtained from a random stratified sample. The low R Square of 29.4% was due to momentum, which resulted in bias in purchase preferences during the data analysis process. The study findings showed that green products were positively and significantly related to the intention to purchase mineral products, green illustrations were positively and significantly related to the intention to purchase mineral products, and green advertising was positively and significantly related to the intention to purchase mineral products. In addition to using green products, green brand images, and green advertising, green marketing should always be carried out. Keywords: Green Advertising; Green Brand Image; Green Product; Purchase Preferences
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.
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 Rasyiddin Ahmad Rasyiddin Aidhawani Aisah, Mira Nur Aisyah Amini Aisyah Fitri Pasaribu Alam, Ryan Saputra Alfaqih Thariq Azizy Hasibuan Alifa Adzra Siregar Alimuddin Pohan Almi Rahmadani Siregar Amalia Munajah Nasution Amanda Damayanti Nasution Amelia Putri AMELIA, MAYA Amri, Fauzan Andri Soemitra Andri Soemitra Andriani Sahputri Anugrah Ramanda Lubis apriani, arni Aprilla, Vanya Aqwa Naser Daulay Aqwa Naser Daulay Arifin Fauzi Lubis Arman Syafii Harahap Asep Wasta Asri Lestari Asti Tri Lestari Aswinanta, Asrul atika Atika Atika Aulia, Niki Auliya Ahmad Suhardi Ayu Andini Ayu Diana Azhari Akmal Tarigan Azizah Mudrikah Br Tarigan, Emi Yani Teta 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 Doli Bonardo Dwi Ayu Wulandari, Dwi Ayu Dwy Franadita Elsa mayori Elsa Zulfita Elsa Zulfita Erika Sri Wahyuni Eski Aditya Fachrezi, Harahap Adrie Fadhila Rahma, Tri Inda Fadillah, Aditya Fadiya Maysaroh Lubis Fahira, Rizkia - Fahmi Rizky Fajri Mustofa Akbar Fakri Mursala Fathur Rahman Fatmasari, Ellya Finik Kharianti Franadita, Dwi Ghilman Rozy Hrp Grace Amalia Tondang Grace Amalia Tondang Gusniati, Putri Hafyah Yasmita Handana Sembiring Harahap, Arman Syafii Harahap, Muhammad Ikhsan Harahap, Putri Liana Harahap, Rahmat Daim Harahap, Risky Suleman Alpian Harahap, Yeni Marlina Harianto, Budi Hasibuan, Elda Anzeli Hasibuan, Rukiana Hediyati, Wirda Hendra Harmain Herlin, Annisa Rahmah Hilman Fauzi, Hilman Hollanda Arief Kusuma Hotbin Hasugian Hurian Kamela Husnah, Muslimatul Idham Mahrivi Imamsyah Imamsyah 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 Irna Nuraeni Isnaini Harahap Jannah, Nurul 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 Laila Annisyah Lubis Laila Fitria Layla Nurul Sakinah Laylan Syafina 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 Manurung, Alifia Nasya Marliyah Marliyah Marliyah, Marliyah Marliyah, Marliyah Marwah Auliyani Maulida, Syakya Maya Dian Eka Sari Melati Devyana Minta Ito Lubis Monica, Aulia Muchsin Harahap Muhammad Anshari Muhammad Arif Muhammad Farhan Muhammad Hasby Muhammad Indra Pratama Muhammad Iqbal Sayuti Harahap Muhammad Lathief Ilhamy Nasution Muhammad Tanveer 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 Niswan, Ramandha Noor, Atikah Novitri, Dian Nur Ahmadi Bi Rahmani Nur Ainun Fadillah Nur Hazizah Nurbaiti 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 Pane, Nurdyanti Choirunnisa Panjaitan, Nurul Hayati Parinduri, Armansyah 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 Qarni, Waizul Rafika Azwina Rafiqoh, Sri Rahma, Tri Inda Fadhila Rahma, Tri Inda Fadhila 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 Raudah Azzahra Manurung Raudhatun Sumi Regina Julmasita Reitandi, Reitandi Reni Ria Armayani Hasibuan Rika Nurmitha Rindi Safira Rio Ariangga Riska Arianti Nasution Riska Syahputri Nasution Ritonga, Afdolli Ilman Riza Ayu Asmita Rohaya, Rohaya Rozi, Yudi Fakhrul Sahputri, Andriani Sandi Pranata Saparuddin Siregar Saparuddin Siregar Saragih, Jasman Wanfaber Parningotan Sari Harahap, Epa Purnama Sekar Ayu Larasati Seni Lidusyiami Septia, Windy setiaji, denden Shelvi Fadillah Harahap Silvi Tri Wardani Simanjuntak, Maryama Azma Siregar, Dedy Rahman Siregar, Muhammad Maulana Sitakar, Beny Siti Jubaidah, Siti Sonia Purba Sri Lestari Sri Maharani Sri Ramadhani Suci, Indriani Sugianto Sugianto Suhairi Suhairi Suhairi Suhairi Surya Sirait, Mentari Kinanti Sutardi, Edi 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 Tanjung, Selvira Wardani Tasya Yustika Putri Thoibatul Mardiah Tika Rostika Tri Inda Fadhila Rahma Tria Wardani Try Andini, Febrianty Utami, Annisa Dwi Vera Maytara Via Alya Huda Viantika, Dinda Savira Vidya Chalista Vina Rahmanda Vira Audini Wahyu Andriansyah Naibaho Wardani, Pina Wein Rizki Dharmawan Wein Rizki Dharmawan Wiranti, Wiranti Wirda Hediyati Yasmita, Hafsyah Yenni Samri Juliati Nasution Yusfiani, Marnida yusnita, Reni Yusrizal Yusrizal Yusrizal Yusrizal Zahrina Ghaisany Pulungan Zainarti Zainarti Zainarti Zainarti Zalika Fauja Zsasa Aulia Hubara Zuhada Hsb, Muhammad Fathur Rizqi Zuhrinal M. Nawawi