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All Journal ETIKONOMI Economic Journal of Emerging Markets MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Jurnal Bisnis dan Manajemen Jurnal Keuangan dan Perbankan E-Bisnis : Jurnal Ilmiah Ekonomi dan Bisnis JDM (Jurnal Dinamika Manajemen) Jurnal Ekonomi Modernisasi Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Promosi Pendidikan Ekonomi Jurnal Manajemen Teori dan Terapan Jurnal Dimensi Jurnal Mirai Management Jurnal Ilmiah Ekonomi Islam Jurnal Ekonomi Pembangunan STIE Muhammadiyah Palopo Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen Eklektik : Jurnal Pendidikan Ekonomi dan Kewirausahaan Jurnal Organisasi Dan Manajemen SEIKO : Journal of Management & Business NUSANTARA : Jurnal Ilmu Pengetahuan Sosial At-Tadbir : jurnal ilmiah manajemen Sketsa Bisnis JIMFE (Jurnal Ilmiah Manajemen Fakultas Ekonomi) EQIEN - JURNAL EKONOMI DAN BISNIS Jurnal Manajemen Strategi dan Aplikasi Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JABE (Journal of Applied Business and Economic) Jambura Equilibrium Journal JURNAL MAKRO MANAJEMEN Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship Almana : Jurnal Manajemen dan Bisnis EKUITAS (Jurnal Ekonomi dan Keuangan) Jurnal Manajerial JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) EVOLUSI : Jurnal Sains dan Manajemen Jurnal Ilmu Komputer dan Bisnis International Journal of Financial, Accounting, and Management International Journal of Economics, Business and Accounting Research (IJEBAR) Journal of Global Business and Management Review Prosiding National Conference for Community Service Project Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Pengabdian kepada Masyarakat Nusantara Economics and Digital Business Review Studi Ilmu Manajemen dan Organisasi juremi: jurnal riset ekonomi Golden Ratio of Finance Management JAMBURA: JURNAL ILMIAH MANAJEMEN DAN BISNIS JWM (JURNAL WAWASAN MANAJEMEN) Media Bina Ilmiah Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Sosial dan Sains Jurnal For Management Student (JFMS) Jurnal Dinamika Akuntansi dan Bisnis (JDAB) Mestaka: Jurnal Pengabdian Kepada Masyarakat Moneter : Jurnal Keuangan dan Perbankan MDP Student Conference Conference on Management, Business, Innovation, Education and Social Sciences (CoMBInES) Conference on Community Engagement Project (Concept) Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Jurnal Manajemen dan Pendidikan Agama Islam Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Dinamika Sosial: Jurnal Pengabdian Masyarakat Dan Transformasi Kesejahteraan Ulil Albab Jurnal Akuntansi, Ekonomi dan Manajemen Bisnis Jurnal Ilmu Manajemen Matrik: Jurnal Manajemen, Strategi Bisnis, Dan Kewirausahaan
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How does Green Finance affect the environment in the ASEAN emerging countries? Agustin, Isnaini Nuzula; Mahendra, Rizky Adi; Hesniati, Hesniati
Economic Journal of Emerging Markets Volume 17 Issue 1, 2025
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol17.iss1.art6

Abstract

Purpose — This study examines how economic growth, green finance, and renewable energy affect environmental quality (CO2 emissions) under the Environment Kuznets Curve (EKC) hypothesis framework. Methods — This study uses data from ASEAN-6 developing countries, including Indonesia, Malaysia, Thailand, Vietnam, the Philippines, and Cambodia, from 2000 to 2020. It employs Panel Autoregressive Distributed Lag (ARDL), which is widely used for time series analysis since it can capture the short-run and long-run effects among variables.Findings — The result shows the presence of the EKC Hypothesis in ASEAN developing countries. Green Finance and Renewable Energy reduce CO2 emissions only in the long run. In contrast, in the short run, Green Finance shows no effect in lowering CO2 Emissions due to initial costs, infrastructure challenges, market dynamics, and delayed policy implementation; the effect seems to increase in the long run as economies evolve, technologies mature, and awareness of environmental issues rises within emerging economies.Implication — This study suggests that ASEAN developing countries should enhance their green finance efforts and expedite the transition to renewable energy by attracting additional investments in green finance and renewable energy transition. Governments in the Southeast Asian region must improve their policies and laws. Originality — Revisiting the EKC hypothesis by including Green Finance within the ASEAN-6 emerging countries, which has been scarcely conducted in recent literature, this study contributes to the region's policymakers regarding green finance allocation and its relationship to environmental quality.
PENGARUH INTEREST RATE, EXCHANGE RATE DAN INFLASI TERHADAP STOCK RETURN PADA PERUSAHAAN PERBANKAN LQ45 Isnaini, Isnaini; Hesniati, Hesniati; Valentina, Cindy; Angel Lim, Michelle; Jenny, Jenny; Kho, Celine; Aurellia, Angeline
NUSANTARA : Jurnal Ilmu Pengetahuan Sosial Vol 10, No 4 (2023): NUSANTARA : JURNAL ILMU PENGETAHUAN SOSIAL
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/jips.v10i4.2023.1900-1907

Abstract

Salah satu instrumen dari pasar modal yang diperdagangkan ialah saham. Salah satu jenis investasi yang menarik adalah saham, karena adanya sistem high risk high return. Saham dapat diperjualbelikan di bursa efek. Terdapat 11 jenis indeks yang tercatat pada Bursa Efek Indonesia yang selalu digunakan yang menjadi panduan investasi bagi investor. Salah satu jenis indeks BEI adalah LQ45. Faktor makro ekonomi yang mempengaruhi saham LQ45 terdiri dari inflasi, interest rate dan exchange rate. Metode yang digunakan dalam penelitian ini adalah analisis regresi linear berganda dengan penelitian kuantitatif yang menggunakan jenis data sekunder yang diambil dari emiten dengan index LQ45. Penelitian ini memiliki hasil dua variabel yang signifikan dengan stock return yaitu interest rate dan exchange rate.
Peran Theory of Planned Behavior dan Environmental Concern terhadap Green Investment Intention Candy, Candy; Kelvin, Kelvin; Hesniati, Hesniati
Jurnal Ilmu Manajemen Vol. 14 No. 1 (2024): Jurnal Ilmu Manajemen
Publisher : Universitas Muhammadiyah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/jim.v14i1.397

Abstract

The aim of this research is to examine the green investment intentions of Indonesian investors. The Indonesian government is initiating sustainable development with the new capital city, which is envisioned as a green city. Indonesia faces significant environmental challenges, including air pollution, which ranks the country 26th out of 131 countries with poor air quality, according to the 2022 IQAir report. In response, the government has issued green sukuk to support green projects further. Previous research in many developing countries has utilized the theory of planned behavior as a framework. This study collected primary data by distributing questionnaires to 210 investors in Batam. The data was analyzed using the Partial Least Squares-Structural Equation Modeling (PLS-SEM) method. The results indicate that green perceived behavioral control and environmental concern have a significant positive effect on green investment intentions. However, green attitude and green subjective norms do not directly influence green investment intentions. The findings highlight that green perceived behavioral control and environmental concern are critical factors in shaping investment intentions, suggesting that investors' actions are driven by internal motivations and environmental concerns
Financial Knowledge, Self-Efficacy, and Financial Well-Being: The Role of Digital Inclusion in Indonesia Hesniati, H.; Anggriani, A.; Suprapto, Yandi; Arviano, Hengky
Golden Ratio of Finance Management Vol. 6 No. 1 (2026): October - March
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grfm.v6i1.1779

Abstract

This research examines the role of financial knowledge and self-efficacy in shaping financial well-being, with digital financial inclusion tested as a mediating factor. Survey data were collected from 407 Indonesian respondents and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results indicate that both financial knowledge and self-efficacy significantly influence digital financial inclusion. Digital financial inclusion, in turn, positively affects financial well-being. Self-efficacy also directly improves financial well-being, whereas financial knowledge shows no direct impact. Instead, financial knowledge indirectly contributes to financial well-being through digital financial inclusion, underscoring the mediating role of digital access. This study adds to the financial behavior literature by highlighting digital financial inclusion as a crucial channel that converts capability into improved outcomes, and by showing that self-efficacy plays a stronger role than knowledge alone. The findings suggest that policies and programs should go beyond literacy campaigns to also strengthen financial confidence and digital readiness, particularly among younger groups and vulnerable communities. The study is limited by its reliance on self-reported, cross-sectional data and its focus on the Indonesian context, which may constrain causal inference and limit the generalizability of the results.
Peran Bahasa Indonesia dalam Akuntansi: Penataan Istilah Akuntansi untuk Kemudahan Pemahaman dan Transparansi Informasi Hesniati; Ramadhani Adinda Salsabilla; Riska Aryanti; Meilan Sri Despitra; Hafidatul Husna; Nheza Aulia Putri; Rahma Gustina Putri; Putri Ernisa; Alya Sari; Hariyani Ningsih; Cindy Aulia Putri; Ghinanda Nasywa; Lia Trinanda; Suci Syafitry; Airin Triyana; Miftahul Jannah; Perawati
Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Vol. 3 No. 3 (2026): Januari
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/jemb.v3i3.6890

Abstract

Bahasa Indonesia memiliki peranan penting dalam penyajian informasi akuntansi, terutama dalam pengaturan istilah akuntansi agar dapat dipahami secara jelas dan transparan oleh pengguna laporan keuangan. Banyak istilah akuntansi yang bersumber dari bahasa asing dan bersifat teknis, sehingga berpotensi menimbulkan perbedaan penafsiran apabila tidak disesuaikan dengan kaidah bahasa Indonesia yang tepat. Penelitian ini bertujuan untuk menelaah peran bahasa Indonesia dalam penataan istilah akuntansi serta implikasinya terhadap pemahaman dan transparansi informasi keuangan. Metode yang digunakan adalah tinjauan literatur dengan pendekatan kualitatif melalui analisis buku, standar akuntansi, dan artikel jurnal yang relevan. Hasil kajian menunjukkan bahwa penggunaan bahasa Indonesia yang baku, konsisten, dan kontekstual mampu meningkatkan keterbacaan laporan keuangan, mempermudah pemahaman pengguna non-akuntan, serta memperkuat transparansi dan akuntabilitas informasi keuangan. Namun demikian, penyesuaian istilah akuntansi tetap harus menjaga ketepatan makna teknis agar selaras dengan standar yang berlaku.
Navigating Digital Credit: How Risky Indebtedness Behavior and Impulsive Buying Shape Buy-Now-Pay-Later Intention? Hesniati, Hesniati; Phangestu, Steffany Jessica; Marheni, Dewi Khornida; Arviano, Hengky
Jurnal Manajemen Teori dan Terapan| Journal of Theoretical and Applied Management Vol. 18 No. 3 (2025)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jmtt.v18i3.77543

Abstract

Objective: This study examines the psychological factors influencing consumers’ intention to use Buy Now Pay Later (BNPL) services, focusing on the roles of risky indebtedness behavior, impulsive buying, and attitude toward credit, while exploring gender-based differences. Design/Methods/Approach: Drawing on the Theory of Planned Behavior and Self-Regulation Theory, data were collected from 401 BNPL users using an online survey. The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) and multigroup analysis by gender. Findings: Risky indebtedness behavior, impulsive buying, and attitude toward credit significantly influence BNPL intention, with attitude serving as a key mediator. Impulsive buying indirectly affects BNPL intention through risky indebtedness and attitude toward credit. The multigroup analysis reveals that male consumers’ BNPL intention is more strongly influenced by impulsive buying, whereas female consumers’ intention is driven primarily by risky indebtedness behavior through attitude toward credit. Originality/Value: This study contributes to behavioral finance research by integrating TPB and SRT to explain BNPL adoption behavior. It offers new insights into how gender differences shape the psychological mechanisms in credit-based consumption. Practical/Policy implication: BNPL providers should tailor strategies such as targeted spending alerts and marketing campaigns to address behavioral differences across gender groups. Regulators should focus on enhancing digital financial literacy and self-regulation awareness, ensuring transparent product information, enforcing spending limits, and integrating educational programs to mitigate risky indebtedness and impulsive buying behaviors.
Penerapan Pengendalian Anggaran Biaya Operasional PT Golden Visalux Fifyanty, Fifyanty; Hesniati, Hesniati
Dinamika Sosial : Jurnal Pengabdian Masyarakat dan Transformasi Kesejahteraan Vol. 2 No. 4 (2025): Desember : Dinamika Sosial : Jurnal Pengabdian Masyarakat dan Transformasi Kese
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62951/dinsos.v2i4.2633

Abstract

This Community Service Program (PkM) was carried out at PT Golden Visalux with the aim of enhancing the effectiveness of the company’s operational cost budget control. Findings from field observations and interviews revealed that the company did not yet have formal written guidelines such as a Standard Operating Procedure (SOP) and lacked a well-structured evaluation system for its budgeting process. As a result, discrepancies occurred between planned and actual expenditures, along with delays in monitoring operational costs. Through this internship project, an SOP and budget measurement standards were created and applied as reference tools for all relevant divisions involved in the budgeting cycle. The SOP implementation led to several improvements, including more accurate cost recording, better monitoring of budget variances, and increased efficiency in operational spending. In addition, the company now possesses an official document that can be utilized continuously for evaluating and refining its cost control practices. Overall, this PkM initiative offers meaningful contributions to strengthening budget management effectiveness and supporting improved financial performance at PT Golden Visalux.
Heuristic Bias and Loss Aversion Impact in Stock Investment Decision Making in Batam Fendy Cuandra; Michael Setiawan; Candy Candy; Hesniati, Hesniati
MATRIK: JURNAL MANAJEMEN, STRATEGI BISNIS, DAN KEWIRAUSAHAAN Vol. 19 No. 1 (2025)
Publisher : Faculty of Economics and Business Udayana University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/MATRIK:JMBK.2025.v19.i01.p08

Abstract

Technological advancements affect an individual's financial management by increasing spending and necessitating investments to meet these needs. This research intends to analyze the effect of heuristic bias and loss aversion on investment decision. This study uses the investment decision variable to be the dependent variable and uses overconfidence, availability, representativeness, anchoring, gambler fallacy, and loss aversion to be the independent variables. This study uses the SmartPLS application to analyze data and uses an online questionnaire to collect respondents' answers. Sampling was conducted using purposive sampling technique to collect samples from investors in Batam. The study shows that gambler fallacy, loss aversion, overconfidence and representativeness bias have a significant positive impact on investment decisions, while anchoring and availability bias have no significant impact on investment decisions.
DETERMINANTS OF INTENTION TO USE ISLAMIC FINTECH DURING COVID-19 PANDEMIC Hesniati Hesniati; Rico Limgestu
EKUITAS (Jurnal Ekonomi dan Keuangan) Vol 7 No 4 (2023): December
Publisher : Sekolah Tinggi Ilmu Ekonomi Indonesia (STIESIA) Surabaya(STIESIA) Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24034/j25485024.y2023.v7.i4.5860

Abstract

Islamic fintech Intention has been growing rapidly in Indonesia in rencent years and drawing attention among practitioners, government, and academics. This study intents to investigate determinant of intention to use Islamic Fintech. Fintech has been regarded as a game changer in terms of bringing finances to those who lack access through information technology and the digital financial landscape. Data in this research was acquired using online questionnaires. There were collected from November 2022 to March 2023 and distributed online to survey 396 Islamic Fintech Users. Hypothesis testing in this study used structural equation modeling on partial least square approach the result revealed those variable of effort expectancy, social influence, government support, perceived ease of use, and perceived usefulness were significant and positively influence on intention to use. Moreover, fear of COVID-19 was negatively significant and moderates perceived risk on dependent variable. Limitation of this study only cover Islamic fintech service peer-peer to lending in Indonesia.
Implications of The Effect Of Profitability and Liquidity on Capital Structure in Mining Companies in Indonesia With Firm Size as Moderation Arienda Gitty Ramadani; Hesniati Hesniati; Destiana Safitri
Jurnal Manajerial Vol. 12 No. 01 (2025): Jurnal Manajerial
Publisher : Program Studi Manajemen Universitas Muhammadiyah Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30587/jurnalmanajerial.v12i01.8503

Abstract

Background – Economic growth in Indonesia in 2022 reached 5.31%, which is the highest achievement from 2014. Although Indonesia was hit by the negative impact of the Covid-19 pandemic, the economy in Indonesia continues to show resilience and increasing rapidly. The ideal capital structure is a blend of debt and equity that maximizes firm value through prudent investment choices and enhances the financial and operational performance of the business. Aim – This research is to determine the impact of internal factors on capital structure. By investigating the moderating effect of business size on the link between profitability and liquidity on capital structure, this study adds to the body of previous work. Design / methodology / approach – This study employed a quantitative research design, which entails gathering quantifiable numerical data and applying statistical analysis to determine and elucidate the relationship between variables. The study employed secondary data, which was sourced from a company’s financial documents. Purposive sampling is used in the study to choose profitable companies. This approach is being employed since the data used in the study are secondary data, which offer more comprehensive and varied data information. Eviews was used to help with the data analysis strategy used in this investigation. Findings – The hypothesis for the first hypothesis is profitability accepted to have a positive and significant effect on capital structure. Second hypothesis is accepted, and fourth hypothesis is accepted. While the third hypothesis is rejected. Research implication – According to the research, a 1% improvement in profitability (ROA) can result in a 0.06% reduction in the company's debt, raising earnings and lowering the amount of debt in the capital structure. High liquidity companies typically use their internal profits instead of taking on debt or issuing additional shares. The study's findings imply that firm size may have an impact on the relationship between capital structure and liquidity because larger, more liquid corporations are thought to be more able to pay back their loans. Limitations – The study acknowledged numerous limitations, including the use of USD exchange rates, which rendered some data meaningless, and the elimination of enterprises with unfavorable financial reports. Just 46 of the 63 profitable mining businesses listed on the IDX were examined in this study. Consequently, the study suggests that more research be done over a longer time period on various organizations or sectors. It also recommends that future research include more independent factors or mediating variables.
Co-Authors Aerlica Ryanti Agustin, Conny agustin, isnaini nuzula Agustin, Isnaini Nuzulla Airin Triyana Albert Lee Albert Lee Alex Putra Pranata Alexander Janio Wijaya Alvin Alvin Alya Sari Andhie Febrian Andre Steven Andre Steven Hutagaol Andreas Yoshiro Ogawa Andrew Andrew Andrew Andrew, Andrew Andryanto Andryanto Angel Lim, Michelle Angela Angela Angelina Alicia Angelina Valensia Angelina, Winna Angeline Aurellia Angeline Aurellia Angeline Goh Anggriani, A. Arienda Gitty Ramadani Arviano, Hengky Arvin Clarence Aurellia, Angeline Ayu Fauzia Rahmah Bella Oktavia Maryto Benny Benny Bigson Bigson Bryan Antonio Marwan Candy - Candy Candy Carol, Carol Cedrich Zakhariah Celine Kho Celine Kho Cerina Cerina Chen Chen Aprilia Sabila Chris Topher Chuadra, Wiriya Dharma Cindy Aulia Putri Cindy Fransiska Cindy Valentina Cing Mei Conny Agustin Cuandra, Fendy Dedy Delfina Delfina Deni Ariadi Dennis Dennis Desi Mulyati Destiana Safitri Devin Devin Devin Devin Diarti, Yen Diavika Febriyanti Dimas Zainudin Doni Indrianto Eddy Oktarianto Eddy Oktarianto Edy Marsono Elida, Shelly Ellen Ellen Ellen Ellen Ellen Ellen Erick Erick Erick Erick Erlen Erlen Erlen, Erlen Erliani Erliani Estina Sativa Eva Juliana Evelyn Tan Evita Kordinata Fernado Fernado Fernando Fernando, Fernando Feronika Romadoni, Salsabilah Fifyanty, Fifyanty Fionna Quinn Firman Adiyasa Firman Firman Florentina Jasmine Florentina Jasmine Gary Tan Ghinanda Nasywa Grace Geovanni Gusfandi Gusfandi Hadi Nanto Hafidatul Husna Hardy Winata Lie Hariyani Ningsih Harsono Harsono Hartono, Benedicte Hartono, Cindy Hendry Setiawan Hendy Hendy Henliyanto Henliyanto Herman Herman Hery Haryanto Hery Haryanto Ilianto Tri Sagianto Irvin Irvin Isnaini Isnaini Isnaini Ivander Lukito Ivander Luktio Jacelyin Jacelyin Jasmine, Florentina Jeanette Andhini Nurulia Mashita Jeffrey Jeffrey Jefry - Jenny Jenny Jenny Jenny Jenny, Jenny Jerly Engelina Jeslin Jeslin Jessica Angelina Jessica Novia Jessica Novia Jessica Valeria Jessy Jessy Jhony Budiman Jocelyn Jocelyn Joey Joey Joey, Joey Johny Budiman Jolin, Jolin Jovianto Jovianto Joycelin, Joycelin Julianto Julianto Junita Junita Kelly Kelly Kelly Kelly Kelvin Kelvin Kelvin Kelvin Kelvin Kelvin Kelvin Kwek Kendri Setiawan Kendy Setiawan Hartono Keyi Sylvia Tania Keyi Sylvia Tania Kho, Celine Koo, Felicia Kristina Kristina Lady, Lady Laurentcia Longli Lia Trinanda Lie, Kelvin Lila Apriliah Lili Karnita Lim, Cecilia Limgestu, Rico Lina Lina Lina Lina Lindawati Lindawati Lindawati Lindawati Lovis Vernando Lovis Vernando Lydia Sasmita M. Rifqi Taufiqurahman Mahendra, Rizky Adi Mairoza Mairoza Mairoza Maitri, Badra Marheni, Dewi Khornida Marzelina Sintia Putri Mega Fatimah Rosana Meilan Sri Despitra Meirany Ahsanti Merinda Wijaya Michael Setiawan Michael Setiawan Michelle Angel Lim Michelle Angel Lim MIFTAHUL JANNAH Mirza Salman Pahlavi Muhammad Taufik Muhammad Yaser Mansur Nainggolan, Ferdinand Nheza Aulia Putri Nopry Nopry Novi Aprillia Novilia Novilia Novilia Novilia, Novilia Oktarianto, Eddy Owen Owen Perawati Peter Khosasih Phangestu, Steffany Jessica Putri Ernisa Putri Jusinta Putri, Shieny Tan Rahma Gustina Putri Ramadhani Adinda Salsabila Ramadhani Adinda Salsabilla Rano Ardiansyah Reni Febriani Renndy Ferdianto Ria Hartoko Ricky Wijaya Rico Lim Gestu Rico Limgestu Robin Robin Robin Robin, Robin Romie Jhonnerie Romieo Romieo Rudiyanto Rudiyanto, Rudiyanto Safitri, Destiana Santi Santi Saw liong Selen Angelina Sepbianto Sepbianto Serena Phang Serly Diana Sherlyn Sherlyn Sherry Sherry Shieny Tan Putri Shirley Feblicia Silvana Aurelia Sisca, Veni siti rodiah Soecipto Soecipto Sonata, Vina Sonata, Vivi Stefani, Christine Stefhani Susanto Stephanie Stephanie Steven Steven Steven Steven Suci Syafitry Suprapto, Yandi Susanti Susanti Suwandi Suwandi Teddy Ricardo Toh Meng Loo Tony Candra Tu, Michelle Nataline Valentina, Cindy Veni Sisca Verandi, Rizal Vernando, Lovis Verren Calystania Vian Ervina Viandi Agustinus Vincent Vincent Vincent Vincent Vincent Vincent, Vincent Vira Vira Vivi Sonata Viviani Viviani Viviani, Viviani Vivyanti, Vivyanti Wendy Winardy, Jeffri Winnie Winnie Wira Ramashar Wismanto Wismanto Wisnu Yuwono Yandi Suprapto Yopie Hendra Yulfiswandi, Yulfiswandi Yulianti Yulianti Zulfiniar Nur Kalimah