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Promotional Features And Electronic Wallets Drive Student Consumptive Behavior: Fitur Promo Dan Dompet Elektronik Mendorong Perilaku Konsumtif Mahasiswa Dwi Maya Rahmawati; M. Farid Hilmi Najim; Eko Satriyo Hadi Nata; Vicky Dwi Hariyanto; Sigit Hermawan
Proceedings of The ICECRS Vol. 12 No. 3 (2024)
Publisher : International Consortium of Education and Culture Research Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/icecrs.v12i3.1755

Abstract

General Background The rapid advancement of digital financial technology has revolutionized cashless payment systems globally. Specific Background Payment applications provide users with seamless transaction capabilities and various marketing incentives, which heavily attract university scholars. Knowledge Gap Despite the widespread adoption of these digital payment platforms, empirical studies show inconsistencies regarding how specific software attributes and marketing incentives shape excessive spending habits. Aims This study investigates the role of perceived convenience and promotional offerings in shaping scholar spending habits, utilizing payment applications as a mediating variable. Results Path analysis of data from university scholars indicates that promotional offerings significantly stimulate platform adoption, whereas perceived convenience does not determine application usage. Furthermore, both perceived convenience and promotional offerings directly stimulate excessive spending. Payment applications also act as a significant mediator, primarily translating promotional offerings into impulsive purchasing habits. Novelty This research demonstrates that marketing incentives, rather than platform usability, are the primary catalysts triggering application adoption and subsequent impulsive purchasing among scholars. Implications Developers and financial regulators must recognize that aggressive marketing incentives within digital payment ecosystems strongly trigger impulsive purchasing, necessitating better financial literacy initiatives for young consumers. Highlights: Marketing incentives significantly increase platform adoption rates among young adults. Perceived convenience shapes purchasing habits directly without relying on application usage. Cashless payment applications successfully mediate the pathway between discount offerings and excessive spending. Keywords: Digital Payment Platforms, Perceived Convenience, Marketing Incentives, Excessive Spending, Mediating Variable
Brand Awareness And Consumer Satisfaction Drive Customer Loyalty In Skincare Products: Kesadaran Merek Dan Kepuasan Konsumen Mendorong Loyalitas Pelanggan Pada Produk Skincare Amara Putri D.U; Rohma Puji A; Salsa Nabilah P.R; Silva Nur L.F; Sigit Hermawan
Proceedings of The ICECRS Vol. 12 No. 3 (2024)
Publisher : International Consortium of Education and Culture Research Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/icecrs.v12i3.1759

Abstract

General Background The global beauty industry experiences rapid growth driven by rising cosmetic demand and international beauty trends. Specific Background Skintific, an international cosmetic company formulating items in Canada, recently entered the highly competitive market, necessitating strong marketing strategies to retain buyers. Knowledge Gap Despite extensive research on cosmetics, previous empirical studies present conflicting evidence regarding whether physical item characteristics and corporate recognition directly determine long-term consumer retention. Aims This study investigates how brand awareness and product quality shape customer loyalty, specifically examining consumer satisfaction as a mediating variable among university students. Results Path analysis reveals that brand awareness and product quality positively determine consumer satisfaction. Interestingly, product quality does not directly dictate customer loyalty, whereas brand awareness and consumer satisfaction possess a significant direct relationship with buyer retention. Furthermore, consumer satisfaction successfully mediates the pathways from both brand recognition and physical characteristics to final customer loyalty. Novelty This research demonstrates that physical cosmetic characteristics alone fail to retain buyers; achieving long-term retention strictly requires building preliminary post-purchase fulfillment. Implications Cosmetic companies must prioritize comprehensive marketing campaigns that build corporate recognition and ensure post-purchase fulfillment rather than relying exclusively on item features to secure long-term buyer retention. Highlights: • Corporate recognition directly establishes long-term buyer retention. • Physical item characteristics require mediation to successfully retain users. • Post-purchase fulfillment bridges the gap between item features and continued repurchasing. Keywords: Brand Recognition, Product Characteristics, Post-Purchase Fulfillment, Buyer Retention, Mediating Variable
Brand Ambassadors Moderate Product Quality Brand Image And Consumer Purchasing Decisions: Duta Merek Memoderasi Kualitas Produk Citra Merek Dan Keputusan Pembelian Konsumen Fitria Firdiani; Dina Arumalaita; Sigit Hermawan
Proceedings of The ICECRS Vol. 12 No. 3 (2024)
Publisher : International Consortium of Education and Culture Research Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/icecrs.v12i3.1760

Abstract

General Background The beauty industry in Indonesia experiences intense competition driven by high consumer demand for skincare items. Specific Background To build consumer trust and secure market share, cosmetic manufacturers like Scarlett utilize strong corporate reputation and high standard product characteristics alongside celebrity endorsements. Knowledge Gap Despite the prevalence of celebrity endorsements, previous empirical research rarely examines their specific role as a moderating variable interacting with physical item characteristics and corporate reputation. Aims This study investigates how product quality and brand image determine purchasing decisions for Scarlett products, specifically analyzing the moderating role of brand ambassadors among university students. Results Quantitative analysis reveals that both product quality and brand image positively and significantly determine consumer purchasing choices. Furthermore, the presence of a brand ambassador significantly moderates and strengthens the relationship between physical product characteristics, corporate reputation, and final buying choices. Novelty This research introduces a novel framework by positioning celebrity endorsers not merely as direct drivers of sales, but as critical moderating catalysts that amplify the effects of underlying product and brand attributes. Implications Cosmetic producers must optimize physical item standards and maintain a positive corporate reputation while strategically deploying celebrity endorsers to maximize market acquisition and consumer buying choices. Highlights:  • Physical item characteristics significantly drive buyer choices. • Positive corporate reputation directly stimulates skincare acquisitions. • Celebrity endorsers successfully amplify core marketing attributes. Keywords: Product Quality, Brand Image, Brand Ambassador, Purchasing Decisions, Moderating Variable
Pricing Item Attributes And Online Ratings Determine Apparel Platform Buying Intentions: Harga Atribut Barang Dan Penilaian Daring Menentukan Niat Beli Platform Pakaian Lusi Rahmawati Rahmawati; Amirah Najchan Hibah; Agustina Santi; Siti Anisatul Masulah; Sigit Hermawan
Proceedings of The ICECRS Vol. 12 No. 3 (2024)
Publisher : International Consortium of Education and Culture Research Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/icecrs.v12i3.1761

Abstract

General Background The rapid expansion of digital transformation has fundamentally reshaped the global retail landscape, particularly within the digital apparel sector. Specific Background Amidst fierce market competition, digital platforms like Shopee strive to capture young consumer demographics by optimizing various transaction elements. Knowledge Gap Although factors driving online transactions are widely recognized, empirical studies show inconsistencies regarding how financial costs, physical merchandise standards, and electronic word-of-mouth interact simultaneously through post-transaction fulfillment to stimulate commercial choices. Aims This study investigates how pricing, item attributes, and online ratings determine buying intentions, specifically examining the mediating role of customer fulfillment within the digital apparel industry. Results Quantitative path analysis of university students reveals that pricing, item attributes, and online ratings directly and significantly stimulate buying intentions. Furthermore, physical merchandise standards uniquely dictate direct customer fulfillment, whereas customer satisfaction serves as a crucial mediating variable connecting these antecedent factors to final purchasing choices. Novelty This research demonstrates the distinct pathways of commercial decision-making, highlighting that while financial costs and peer evaluations drive immediate interest, sustained post-transaction fulfillment relies strictly on tangible physical standards. Implications Digital retail managers must implement competitive pricing frameworks and encourage authentic peer evaluations while prioritizing physical manufacturing standards to maximize consumer fulfillment and long-term commercial acquisition. Highlights: Competitive costs and electronic word-of-mouth directly stimulate consumer purchasing choices. Physical merchandise characteristics establish strong post-transaction fulfillment among young demographic shoppers. Client gratification successfully mediates the pathway toward final commercial transactions. Keywords: Customer Satisfaction, Apparel Platform, Pricing Strategy, Buying Intentions, Online Ratings
Brand Image Trust Digital Marketing Drive Nivea Men Purchasing Decisions: Citra Merek Kepercayaan Pemasaran Digital Mendorong Keputusan Pembelian Nivea Men Mazin Daffa; Lintang Pratama Putra Andika; Dhea Wulan Arianti; Reza Dwi Juniar; Sigit Hermawan
Proceedings of The ICECRS Vol. 12 No. 3 (2024)
Publisher : International Consortium of Education and Culture Research Studies

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/icecrs.v12i3.1767

Abstract

General Background Technological advancements significantly alter contemporary consumer behavior by facilitating seamless access to online product information. Specific Background The male facial care market is experiencing intense competition, prompting companies to utilize online media for broader consumer reach and heightened credibility. Knowledge Gap While online strategies are prevalent, the exact mediating role of virtual platforms in translating corporate perceptions and consumer confidence into actual sales remains underexplored within specific male grooming segments. Aims This study analyzes the direct relationship of corporate perception and consumer confidence on buying choices, alongside examining online promotion as an intervening variable for male grooming products. Results Path analysis of 52 respondents revealed that corporate perception and consumer confidence directly dictate buying choices. Furthermore, corporate perception significantly shapes online promotional interactions, whereas consumer confidence does not. However, both corporate perception and consumer confidence successfully drive final transactions through online promotional mediation. Novelty The research delineates the distinct pathways where online platforms successfully mediate both corporate perception and consumer confidence, despite the latter failing to directly alter the online promotional variable itself. Implications Grooming companies should prioritize integrating strong corporate reputations with interactive online campaigns to secure competitive advantages and accelerate consumer acquisition. Highlights:• Reputation alongside consumer confidence directly shapes buying choices regarding male facial care items. • Online platforms successfully mediate relationships connecting corporate perception with final transactions. • Consumer certainty fails to directly alter online promotional interactions despite mediating sales. Keywords: Brand Image, Consumer Trust, Digital Marketing, Purchasing Decision, Facial Care
Determinants of Student Consumptive Behavior in E Commerce Context: Faktor-faktor yang Mempengaruhi Perilaku Konsumtif Mahasiswa dalam Konteks E-Commerce Nur Azizah; Sigit Hermawan
Indonesian Journal of Law and Economics Review Vol. 20 No. 3 (2025): August
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v20i3.1470

Abstract

General Background: Rapid growth of digital commerce has reshaped consumption patterns among university students. Specific Background: Increased access to online shopping platforms is associated with changes in student spending behavior. Knowledge Gap: Empirical evidence examining multiple behavioral and financial factors simultaneously in student consumptive behavior remains limited. Aims: This study analyzes factors related to consumptive behavior among university students using a quantitative approach. Results: The findings indicate that selected financial and lifestyle-related variables are statistically associated with student consumptive behavior. Novelty: The study integrates several behavioral and financial variables within a single empirical model focused on student consumers. Implications: The results provide insights for academic studies and educational institutions in understanding student consumption patterns. Keywords: Consumptive Behavior, E Commerce, Financial Literacy, Lifestyle, University Students Key Findings Highlights: Student spending patterns show strong alignment with digital purchasing habits. Behavioral factors demonstrate measurable associations with consumption tendencies. Financial understanding remains a relevant aspect of student purchasing behavior.
Financial Literacy Self Control and PayLater Financial Management: Literasi Keuangan, Pengendalian Diri, dan Pengelolaan Keuangan PayLater Ayu Stya Ningrum; Sigit Hermawan
Indonesian Journal of Law and Economics Review Vol. 20 No. 3 (2025): August
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/ijler.v20i3.1472

Abstract

General Background The rapid growth of Buy Now Pay Later services has reshaped financial behavior among young consumers. Specific Background Shopee PayLater is widely used by Generation Z, raising concerns regarding financial management behavior. Knowledge Gap Empirical studies examining financial literacy, self control, and financial attitudes in the context of PayLater usage remain limited, particularly at the regional level. Aims This study aims to analyze the relationships between financial literacy, self control, and financial attitudes toward financial management behavior among Shopee PayLater users. Results The findings indicate that financial literacy, self control, and financial attitudes are associated with users’ financial management behavior. Novelty This study integrates behavioral and financial variables within the specific context of Shopee PayLater usage among Generation Z. Implications The results provide insights for improving financial awareness and responsible PayLater usage among young consumers. Keywords: Financial Literacy, Self Control, Financial Attitude, Financial Management Behavior, Shopee PayLater Key Findings Highlights: Financial knowledge relates to responsible management of PayLater usage Behavioral control aligns with users’ financial management patterns Financial attitudes correspond with PayLater financial practices
Key Drivers of High-Quality Financial Reports in Public Sector: Insights from Indonesia’s Supreme Court Lia Safitri; Sriyono Sriyono; Sigit Hermawan
Media Ekonomi dan Manajemen Vol 40, No 2 (2025): July 2025
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56444/mem.v40i2.5890

Abstract

This study examines the impact of human resource competence on the quality of financial statements within the Supreme Court and its subordinate units, with government accounting standards and internal control over financial reporting acting as mediating variables. The study uses an explanatory design and employs a quantitative approach. Data were collected from 285 respondents across various judicial institutions, and Partial Least Squares Structural Equation Modeling (PLS-SEM) using SmartPLS 4.0 was used to analyze it. The findings show that human resource competence positively influences the application of government accounting standards and internal control, both of which significantly enhance the quality of financial reporting. Furthermore, both mediating variables strengthen the relationship between human resource competence and financial statement quality. These results emphasize the critical role of human resource competence in improving accounting practices and internal controls to achieve higher financial reporting quality.
Netnography : Gojek Marketing Strategy Analysis Through YouTube Social Media. Siti Fatimah; Mirza Chusnainy; Fifi Khumairo; Shinta Didin Hari Mariana; Sigit Hermawan
Media Ekonomi dan Manajemen Vol 36, No 1 (2021): January 2021
Publisher : Fakultas Ekonomika dan Bisnis UNTAG Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (403.642 KB) | DOI: 10.24856/mem.v36i1.1601

Abstract

PT Aplikasi Karya Anak Bangsa or Gojek is an online transportation service company that was founded in 2010.The research objective is to analyze and describe Gojek's marketing strategy through YouTube social media. This research uses a qualitative approach, with analysis using netnographic studies. The research subjects are 20 netizens who commented on Gojek's Indonesian Youtube account related to the video marketing advertising Gojek. The results showed that Gojek's marketing strategy made use of the internet as a means to promote the services offered. The promotion process is very intensively carried out by the Gojek Company, one of which is through social media. With the sophistication of advertising done through media social, users will automatically be treated to various promotions from the CompanyGojek when opening its social media pages. This strategy is very appropriate because almost the entire process of purchasing a Gojek service is done ina smartphone application, this means that the potential consumers targeted are in accordance with the ad audience that is installed. The conclusion in this study is the implementation of marketing 7P on online Gojek services which include: product, price, place, people, process, and physical evidence has been implemented well.
THE EFFECT OF INTELLECTUAL CAPITAL, EARNINGS MANAGEMENT AND COMPANY AGE ON THE COMPANYS’S FINANCIAL PERFORMANCE: AS IMPLEMENTATION OF ACHIEVEMENTS SUSTAINABILITY DEVELOPMENT GOALS NO.8 Deby Fatmah Wati; Sigit Hermawan
International Journal of Business, Law and Political Science Vol. 2 No. 11 (2025): International Journal of Business, Law and Political Science
Publisher : PT. Antis International Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61796/ijblps.v2i11.365

Abstract

Objective: This study aims to determine the effect of intellectual capital, earnings management, and company age on company financial performance (as an implementation of Sustainable Development Goal No. 8). Method: The research method used is quantitative. The population was taken from LQ45 companies listed on the IDX from 2019 to 2023. Sampling was conducted using purposive sampling. The research population consisted of 100 companies, but after passing the specified sampling criteria, only 95 companies remained. The data analysis technique used was descriptive statistical analysis, using multiple regression analysis, with the Statistical Package for Social Sciences (SPSS) Statistics version 26 software. Result: The results of the study show that Intellectual Capital and Company Age have a positive and significant effect on Financial Performance, while Profit Management has a negative and significant effect on Financial Performance. Novelty: The implications of this study are to provide additional information for investors to be more cautious in investing, and to serve as a consideration for investors in formulating investment strategies so that they can more comfortably use all of their funds to avoid losses due to financial statement phenomena and manipulation occurring in companies.
Co-Authors A'rasy Fahruddin Abdul Roziq Fanshury Afiyah Nurul Maf’ulah Agustina Santi Agustina, Eura Kurnia Ahmad Qomarudin Ahmad, Aufa Ahmita Dwi Gitania Ainun Mala Nabila Ainur Rodiyah Aisha Hanif Akbar, Zoramchev Akhmal Mulyadi Ali Maskur Ali Zainuri Rahmadhani Amalia, Nadhifah Hikma Adi Amalia, Rezza Dwi Amara Putri D.U Amelia Nugraha Dini Amelia Nugraha Dini Amirah Najchan Hibah Andari, Miranda Putrin Anggun Amalia, Anggun Anis Masrifah Arifin, Mochamd Djainul Arista, Sintha Wahyu Ariyani, Anita Ariyanti, Islamiya Arsy Maulana Firdaus Ayu Stya Ningrum Azel Raoul Reginald, Azel Raoul Bellina Reggita Benedictus Dimas Cahyo Priastono Bryan Eka Chandra Pratama Rulidha Cicik Suciati Cicik Suciati Cindi Dwianti Roswita Cintya Devi Retno Ardianti Clarisa Ika Candrawati Cut Ami Rahmah Cynthia Tamara Surya D, Yuli Setyawati Damayanti, Dia Deby Fatmah Wati Dessy Kartika Yudityawati Detak Prapanca Dewi Andriani Dewi Komala Sari Dewi Kurnia Sari Dhea Wulan Arianti Diah Yuliastri Diah Yuliastri Dian Berkah Dian Novita Sari, Dian Novita Diana Kartika Pramodha Wardhani Diana Retno Furi Diana Septy Mega Altino Dias Erwanda Dina Ananda Nur Amalia Dina Arumalaita Dina Ayu Putri Dina Rofita Dinda Putri Kusuma Wardani Dini, Amelia Nugraha Duwi Rahayu Dwi Anjani Dwi Auliyah Dwi Maya Rahmawati Eby Amelia Hariati Eka Putri Sayekti Eka, Bryan Eko Satriyo Hadi Nata Emmira iffat Endra Wahyu Nindiyah Endra Wahyu Ningdia Endra Wahyu Ningdiyah Eny Maryanti Eny Maryati Eny Maryati Erva Rudianti Ety Nur Zunaida Ety Nur Zunaida, Ety Nur Eva Eva Fachrudin Arozy Fadilla Rahmawati Fadiyah, Nur Laily Faiza , Nur Hidayatul Fanshury, Abdul Roziq Fauzan, Risqi Rachmadi Febyola, Caesar Fernanda, Erfina Fibriani Awalia Ramadhani Fierda Lestari Sarpangga Putri Fifi Khumairo Firdaus, Arsy Maulana Firman Alfarisi Firna Septyaningrum Fita Fitria Lestariana Fitri Indah Wahyu Ning Tyas Fitri Wulandari Fitria Firdiani Fitriah Sukandar Galang Amrulloh Hadiah Fitriyah Hadyan Caesar Ahmargatu Hariati, Eby Amelia Herby Ernanto Herman Ernandi Idayati, Farida Iffah Qonitah Ihza M, Yusril Imelda Dian Rahmawati Indah Dwi Lestari Inggit Marodiyah Irwan Alnarus Kautsar Islamiyah, Maya Adillah Jamaludin Jamaludin Jihan Fadhila Junjunan, M Ilyas Kharisma, Risky Ageng Khasanah Ikhmah Kristika, Intan Dharma Lia Safitri Lina Rahma Wati Lintang Pratama Putra Andika Liswatul Khasanah Lukman Hudi Lusi Andriyani Lusi Rahmawati Rahmawati Lydia Setyawardani M Ilyas Junjunan M. Farid Hilmi Najim Maf’ulah, Afiyah Nurul Mariya Ulfa Marsya Royani Jannah Maryati, Eny Masjhur, Ahmad Masrifah, Anis Masruroh, Dewi Masyita, Siti Maulidia Dewi Azhari Maya Diah Nirwana Mayang Novita Sari Mazin Daffa Miranda, Wiji Amelia Mirza Chusnainy Mokh Irwanto Mudji Astuti Muhammad Fatihul Iman Muhammad Nasih Muhammad Ridwan Muhammad Saleh Muhammad Yusuf Habibie Muhammad Zaidan Taftazani Muhammad, Nur Sa'adah MULYADI Mulyadi Mulyadi Mulyadi Mulyadi Murdaningsih, Sri Rahayu Muslichah Erma Widiana Nadia Nurifayza Sufiyanti Naila Najwa Kholidah Nasih, Muhammad Nengtyas, Yunita Multi Nihlatul Qudus Sukma Nirwana Niko Fediyanto Nilam Sari Ningsih, Nur Ayu Setia Ninik Khuzaimah Nourma Ninil Alfariza Nur Amalina Nisfa Salisa Nur Azizah Nur Azizah nur diana Nur Kholidah Nur Ravita Hanun Nurasik Nurasik Nurasik Nurasik Nurasik Nurasik Nurul Fauziah Nurul Yaqin Otto Masyad Susanto Prasetyo Utomo Prasetyo Utomo Prasetyo Utomo Prasetyo Utomo Putri, Arida Maulidia raditya koesdijarto putra Rafli, Much Rahmawati A., Silviana Rangga Mahesa ranny buggy wahyu Ratna Nugraheni Restu Widya Rini Restu Widya Rini, Restu Widya Reza Dwi Juniar Ridho Dwiki Dharmawan Rifdah Abadiyah Rifdah Abdiyah Rita Ambarwati Rita Ambarwati Sukmono Rizka Aulia Ferisanti Rizza Nur Rahayu Rochani, Oktavia Siti Rochman, Muhamad Alif Aulia Rochman, Saiful Rohma Puji A Roudlotul Auwalina Ruci Arizanda Rahayu Ruci Arizanda Rahayu Ruci Arizanda Rahayu S Sriyono Sabillah, Natasya Saiful Ukamah Salsa Billa Rahma Imania Salsa Nabilah P.R Sari, Lilin Nur Indah Sarwenda Biduri Septiawan, Fahrizal Setiyawati, Yuli Setiyono, Wisnu Panggah Shinta Didin Hari Mariana Shintya Wardani Shofiya, Lailatus Sholikhah, Alfiyatus Silva Nur L.F Sintha Wahyu Arista Sintha Wahyu Arista Siti Anisatul Masulah Siti Fatimah Sri Wahyuni Sriwahyuni, Diana Sriyono Sriyono Sriyono Sriyono Sriyono Sriyono Steven Owen Purnawan Suciati , Cicik Sultan Akhsanuddin Adillah Sulton Kamal Mustofa Sumartik Supardi Supardi Supardi Supardi Surya Chandra Kusuma Susanto, Otto Masyad Sutrisno Sutrisno Syafa Vania Ulhaq Syarifa Ramadhani Nurbaya Syinja Faridya Anggreini Dwi Wirawan Tariq Tawfeeq Yousif Alabdullah Tri Yuda Lesmana Tsabit Arasyid Udik Arif Muzaiyyin Ulhaq, Syafa Vania Ummy Imaniar Mardiyanti Ummy Imaniar Mardiyanti, Ummy Imaniar UTOMO, PRASETYO Valerina stasia putri Vera Firdaus Very M, Mufti Rosyid vinsa adi laksana Wardani, Shintya Wardhana, Bayu Wati, Lina Rahma Wika Nurlia Wilda Maulidina Winanti Ita Aflakhah Wisnu P Setiyono Wiwit Hariyanto Wulandari, Indah Apriliana Sari Yuli Setiyawati Yulita Tri Arini Yumna Almnas Elsaviyanto Zatul Karamah Ahmad Baharul Ulum Zatul Karamah Ahmad Baharul Ulum