Garuda - Garba Rujukan Digital

p-Index From 2021 - 2026

2.495

P-Index

This Author published in this journals

All Journal Jurnal Penyuluhan Ahkam: Jurnal Ilmu Syariah Signifikan : Jurnal Ilmu Ekonomi Economic Journal of Emerging Markets Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Keuangan dan Perbankan Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Ekonomi Syariah Teori dan Terapan Walisongo: Jurnal Penelitian Sosial Keagamaan Global Review of Islamic Economics and Business FIKRI : Jurnal Kajian Agama, Sosial dan Budaya Journal of Management Review al-Uqud : Journal of Islamic Economics Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam KEK (Kajian Ekonomi dan Keuangan) EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Shafin: Sharia Finance and Accounting Journal Journal of Islamic Economics Lariba Review on Islamic Accounting MIMBAR : Jurnal Sosial dan Pembangunan Tapis : Jurnal Penelitian Ilmiah

JAENAL EFFENDI

Department Of Islamic Economics, Faculty Of Economics And Management, IPB University.

Author-ID : 2875944

Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

Published : 43 Documents Claim Missing Document

Claim Missing Document

Articles

1 2 3 4 5

Islamic Insurance: A Potential Niche Market of Indonesia Jaenal Effendi
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 10, No 1: January 2018
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Islamic insurance in Indonesia is potentially expected to grow along with the increase in Islamic financial market. Hence, this paper aims to develop strategy and policy recommendations for stakeholders of Islamic insurance industry in Indonesia. This article applied ANP approach by classifying it into three aspects, namely problem, solution, and strategy. Problem and solution aspects consist of four clusters including internal, customer, competition, as well as regulation. Also, strategy offered is the strategy to improve the quality of service, strategy to develop the relationship and synergy between the authorities and the Islamic Financial Institutions. DOI: 10.15408/aiq.v10i1.5330

Initial Identification of Mudharabah Savings Market Share Improvement Strategies in Indonesia Putri Ramadhani Saragih; Jaenal Effendi; Imam Teguh Saptono
Indonesian Journal of Business and Entrepreneurship (IJBE) Vol. 4 No. 2 (2018): IJBE, Vol. 4 No. 2, May 2018
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.4.2.141

Sharia banking has been arising for 26 years in Indonesia. Its market share is still lower than 5%. Study about sharia banking’s market share is always an interesting observation. Mudharabah savings as one of the third party fund has a significant role to improve market share by low cost fund type. The objectives of this study are to analyze mudharabah savings elasticity, significant independent factor to it and initial market share improvement strategies. The methods used to combine vector error correction model (VECM) and business model canvas (BMC). This research concludes that conventional bank rates and sharia bank outlets have a relationship with mudharabah contract savings demand. Furthermore, mudharabah savings has a substitute relationship with conventional saving by negative cross elasticity. The results are combined with business model canvas (BMC) to describe mudharabah saving business model as a managerial action to explain initial strategies of mudharabah saving. BMC arranged by choosing conventional bank rates as value proposition focus and sharia bank outlets as key resources focus.Keywords: demand elasticity, mudharabah savings, business model canvas (BMC), sharia banking, initial strategies

Pemilihan Nazhir Dalam Optimalisasi Pengelolaan Wakaf Uang Shinta Wulandari; Jaenal Effendi; Imam Teguh Saptono
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 5 No. 2 (2019): JABM Vol. 5 No. 2, Mei 2019
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.5.2.295

There is a gap between the potency and real data of cash waqf raising in Indonesia. Hence, an effective strategy is needed to develop the potential of cash waqf. This research aimed to analyze whether the Islamic Bank can be an alternative to the institutional development of cash waqf in Indonesia (Nazhir) and analyze the strategies needed to optimize the cash waqf management. This research used descriptive quantitative and qualitative approaches based on literature studies, observation, and questionnaires by using an analytical network process (ANP) method. The alternative selection of cash waqf management strategy through competent and professional Nazhir is determined by five criteria; including Accountability, Product, Human Resources, Regulation, and Network. In Nazhir selection’s analysis in optimizing cash waqf management, these five criteria have an important role in accordance with their respective functions to produce management strategies and cash waqf development through competent and professional Nazhir. The results showed that Islamic Banking is the most recommended Nazhir in determining the potential strategy of cash waqf development with the highest weighted score. Accountability is the most influential criterion in determining the cash waqf development strategy with professionalism in management as the most influential sub-criteria.Keywords: ANP, cash waqf, islamic banking, nazhirAbstrak: Saat ini diperlukan strategi yang efektif untuk mengembangkan potensi wakaf uang, mengingat potensi yang sangat besar namun realisasi penghimpunan masih belum optimal. Tujuan penelitian ini untuk menganalisis apakah Bank Syariah dapat menjadi alternatif pengembangan kelembagaan wakaf uang di tanah air (nazhir wakaf uang), dan menganalisis strategi yang diperlukan dalam mengoptimalkan pengelolaan wakaf uang. Penelitian menggunakan pendekatan deskriptif kuantitatif dan kualitatif berdasarkan studi literatur, observasi, dan kuesioner dengan menggunakan analytical network process (ANP).Alternatif pemilihan strategi pengelolaan wakaf uang melalui Nazhir yang kompeten dan professional ditentukan oleh lima kriteria meliputi Akuntabilitas, Produk, SDM, Regulasi, dan Jangkauan. Dalam analisis pemilihan nazhir dalam optimalisasi pengelolaan wakaf uang, kelima kriteria tersebut memiliki peranan penting sesuai dengan fungsinya masing-masing untuk dapat menghasilkan strategi pengelolaan dan pengembangan wakaf uang melalui Nazhir yang kompeten dan profesional. Hasil penelitian menunjukan bahwa Perbankan Syariah adalah Nazhir yang paling direkomendasikan dalam penentuan strategi potensi pengembangan wakaf uang dengan nilai bobot tertinggi. Akuntabilitas adalah kriteria yang paling berpengaruh dalam menentukan strategi pengembangan wakaf uang dengan profesionalisme pengelolaan sebagai subkriteria yang paling berpengaruh. Kata kunci: ANP, wakaf uang, perbankan syariah, nazhir

KEUNGGULAN SISTEM KEUANGAN BERBASIS BAGI HASIL DAN IMPLIKASINYA PADA DISTRIBUSI PENDAPATAN Iman Sugema; Toni Bakhtiar; Jaenal Effendi
Jurnal Keuangan dan Perbankan Vol 13, No 3 (2009): September 2009
Publisher : University of Merdeka Malang

In this paper we attempted to answer a fundamental question whether banking systembased on a profi t-loss sharing (PLS) could improve welfare than an interest based banking system bydeveloping a rigorous theoretical modeling. In the framework of production technology we fi rstlyshowed that under production certainty and competitive market both PLS and interest based systemswere effi cient and right. However, under an uncertain situation due to a productivity shock,we proved that only the PLS system was right. We verifi ed our result by quantifying the effects onincome distribution for both lender and borrower. Two indicators, namely the standard error of distributionand Gini ratio were considered. We showed that the conventional credit market led to aserious income distribution problem where lenders did not enjoy the variability in income and didnot bear any risk, but in contrast, borrowers bore all the risk. On the other side, PLS system sharedthe risk between lenders and borrowers. In the end of the analysis, we proposed an instrument thatwould improve the performance of a PLS system from lenders perspective by introducing a so-calledrisk pooling mechanism.

Efficiency and sustainability of microfinance: Study case agribusiness microfinance institutions in Bogor Triane Widya Anggriani; R. Nunung Nuryartono; Bambang Juanda; Jaenal Effendi
Jurnal Keuangan dan Perbankan Vol 23, No 4 (2019): October 2019
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v23i4.3591

Microfinance is one of the solutions in poverty alleviation in rural areas. The existence of financial access in a rural area, with hope, low-income society can increase their revenues and eventually able to escape the circle of poverty. The agribusiness microfinance institution is the institution that provides financing services to farmers in rural areas. However, agribusiness microfinance institution is facing sustainability problems. We analyzed financial sustainability in terms of the cost-efficiency of the Agribusiness Microfinance Institution (AMFI). The study utilized a parametric approach method of Stochastic Frontier Analysis (SFA). The sampling technique used was purposive sampling, namely AMFI possessing two years of financial reports (in the year 2016-2017) around Bogor District, there were fifteen AMFIs qualified. The result indicates AMFIs' efficiency value in Bogor District almost approaching 100%. It means that the AMFIs' financial performance in Bogor District was highly efficient. Labor cost is a very responsive variable in the total cost. However, AMFIs' labor cost was low. This matter caused administrator performance in servicing their customers to become not optimal, thus impacting the unsustainability of AMFI.JEL Classification: G21, G23DOI: https://doi.org/10.26905/jkdp.v23i4.3591

Islamic Micro Finance and Its Impact on Poverty Reduction of Two Village Models in Bogor, Indonesia Mustica Bintang Sabiti; Jaenal Effendi
Signifikan: Jurnal Ilmu Ekonomi Vol 6, No 1 (2017)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

The purpose of this paper is to identify the effectiveness of Islamic microfinance institutions and their impact on poverty reduction in two types of rural areas in the district of Bogor, Indonesia. This research uses descriptive analysis, using a likert’s scale and with a paired sample t test to determine the impact of Islamic micro finance to micro business performance. Multiple regression is also used to see the effect of the types of villages in the implementation of micro-enterprise businesses. The results show that the Islamic micro financing has affected the effectiveness of the income and expenditure aspects, but also quite effective in the aspect of profit and use in expenditure. Furthermore, funding-based Islamic microfinance also has a positive influence on business micro and poverty reduction.DOI: 10.15408/sjie.v6i1.4337

PENGARUH LEMBAGA KEUANGAN MIKRO SYARIAH (LKMS) BERKUALITAS TERHADAP PENINGKATAN KEUNTUNGAN USAHA MIKRO KOTA DEPOK Aditya Hadid Riyadi; Jaenal Effendi; Tita Nursyamsiyah
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 5 (2019): Mei-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20195pp1086-1100

Micro-enterprises generally have the potential to improve people's living standards and have contributed to economic growth in Indonesia. In its development process, capital is the biggest problem faced by micro enterprises due to the number of microbusinesses that are still unbankable. The existence of alternative financial institutions other than banks that can overcome these problems is needed. Islamic microfinance institution (LKMS) or commonly known as BMT is the best solution to solve the capital problem of micro enterprises. Easy access to financing for microenterprises and mutually beneficial profit sharing system, LKMS has become a solution for the development of member’s business. This study aims to analyze the effect of islamic micro financial institution (LKMS) on the increase of profit of microenterprises in Depok City using Ordinary Least Square (OLS) method. The result of research shows that there is a significant influence of the increase of profit of microenterprises after financing in LKMS.Keywords: Financing, LKMS, Microenterprises, OLSREFFERENCESAnggraeni, Lukytawati, Herdiana Puspitasari, Salahuddin El Ayubbi, and Ranti Wiliasih. 2013. “Akses UMKM Terhadap Pembiayaan Mikro Syariah Dan Dampaknya Terhadap Perkembangan Usaha : Kasus BMT Tadbiirul Ummah , Kabupaten Bogor The Access of MSME towards Islamic Microfinancing and Its Impact on Business Development : A Case of BMT Tadbiirul Ummah , Bogor.” I(1): 56–67.Antonio MS. 2001. Bank Syariah dari Teori ke Praktek. Jakarta (ID): Gema InsaniApriadi F, Alexandi MF. 2013. Solusi Peningkatan Sumberdaya Manusia Pada Baytul Maal wat Tamwil (BMT) di Indonesia Melalui Pendekatan Analytic Network Process (ANP). Jurnal al-Muzara’ah, Vol. I No. 2, 2013Antara I, Aswitari L. 2016. Beberapa Faktor Yang Mempengaruhi Pendapatan Pedagang Kaki Lima Di Kecamatan Denpasar Barat. E-Jurnal Ekonomi Pembangunan Universitas Udayana, Vol. 5 No. 11, 2016.Beik, I. Arsyianti, L. D., 2016. Ekonomi Pembangunan Syariah (Edisi Revisi). Jakarta (ID): PT Raja Grafindo Persada.Dani F. 2017. Muhammad Fajar Dani. Analisis Faktor-Faktor yang Mempengaruhi Omset UMKM Nasabah Pembiayaan [skripsi] . Bogor (ID): Institut Pertanian BogorFahrudin A. 2012. Pengantar Kesejahteraan. Bandung (ID): PT Rafika AditamaFirdaus. 2011. Ekonometrika: Suatu Pendekatan Aplikatif. Jakarta (ID): Bumi AksaraEffendi, Jaenal, and Annisa Rindra Utami. 2016. “THE EFFECT OF SOCIAL CAPITAL ON CUSTOMER ’ S.” 8(July): 227–42.Gina, Widya, and Jaenal Effendi. 2014. “Program Pembiayaan Lembaga Keuangan Mikro Syariah ( LKMS ) Dalam Peningkatan Kesejahteraan Pelaku Usaha Mikro ( Studi Kasus BMT Baitul Karim Bekasi ) Financing Program in Microfinance Institution ( LKMS ) of Welfare Enhancing for Micro Business Enterprises ( Study Case in BMT Baitul Karim Bekasi ) 1 Pendahuluan.” 3(1): 33–43.Gujarati DN. Dasar-Dasar Ekonometrika Edisi Kelima. Jakarta (ID):Erlangga.Guruddin SR. 2014 Peran BMT Dalam Pengembangan Usaha Mikro Kecil (Studi Kasus Pada Bmt Al-Amin Kota Makassar) [skripsi] . Makasar (ID): UIN Alauddin MakassarHaekal M. 2015. Analisis Tingkat Kesehatan BMT Dan Dampak Pembiayaan Mikro Syariah Terhadap Perkembangan Usaha Mikro (Studi Kasus BMT Al-Azhar Maros) [skripsi] . Bogor (ID): Institut Pertanian BogorHidayati N. 2014. Faktor-Faktor yang Memengaruhi Realisasi Pembiayaan Mikro Syariah dan Dampaknya terhadap Omzet Usaha Nasabah: Studi Kasus KJKS BMT UGT Sidogiri cabang Koja Jakarta [skripsi] . Bogor (ID): Institut Pertanian Bogor.Muttaqin A. 2012.Model Pembiayaan Baitul Maal Wa Tamwil Dan Peranannya Dalam Pembinaan Kesejahteraan Usaha Kecil Menengah (UKM). Jurnal Humanity Vol. 7 No. 2, Juli 2012Nabilah S. 2015. Analisis Risiko dan Faktor-Faktor Yang Memengaruhi Tingkat Pengembalian Pembiayaan Syariah Pada Sektor Pertanian ( Studi Kasus BMT As Salam, Kramat, Demak) [skripsi] . Bogor (ID): Institut Pertanian Bogor.Prastiawati F, Darma ES. 2016. Peran Pembiayaan Baitul Maal Wat Tamwil Terhadap Perkembangan Usaha dan Peningkatan Kesejahteraan Anggotanya dari Sektor Mikro Pedagang Pasar Tradisional. Jurnal Akuntansi dan Investasi. Vol. 17 No. 2, Hlm: 197-208, Juli 2016Pristiyanto, Bintoro MH, Soekarto SJ. 2013.Strategi Pengembangan Koperasi Jasa Keuangan Syariah Dalam Pembiayaan Usaha Mikro di Kecamatan Tanjungsari, Sumedang. Jurnal Manajemen IKM. Vol. 8 No.1, Februari 2013Puspitasari H. 2012. Akses UMKM Terhadap Pembiayaan Mikro Syariah danDampaknya Terhadap Perkembangan Usaha (Kasus: BMT Tadbirul Ummah, Kabupaten Bogor). [Skripsi]. Bogor (ID): Institut Pertanian Bogor.Ridwan M. 2004. Manajemen Baitul Maal Wa Tamwil (BMT). Yogyakarta (ID): UII Press.Septiana RM. 2013. Analisis Dampak Pembiayaan Mikro Syariah Terhadap Perkembangan Keuntungan UMKM di Kabupaten [skripsi] . Bogor (ID): Institut Pertanian BogorSoemitra A. 2009. Bank dan Lembaga Keuangan Syariah. Medan (ID): Kencana.Soetrisno N. 2012. Lembaga Keuangan Mikro: Energi Pemberdayaan Ekonomi Rakyat. [internet]. [diunduh 2013 Mei 6]. Tersedia pada: http://www.smecda.com.Sudarno. 2011. Kontribusi Usaha Mikro, Kecil dan Menengah (UMKM) dalam Penyerapan Tenaga Kerja di Depok. Jurnal Ekonomi dan Bisnis. Vol. 10 No.2, Desember 2011Sudarsono H. 2008. Bank dan Lembaga Keungan Syariah, Deskripsi dan Ilustrasi. Yogyakarta (ID): Ekonisia.Syafitri N. 2010. Analisis Strategi Pemasaran Produk Dana Koperasi Baitul Maal Wa Tamwil Muamalat Di Perumnas Bantarjati Bogor Utara [skripsi] . Bogor (ID): Institut Pertanian BogorTambunan T. 2009. UMKM di Indonesia. Bogor (ID): Ghalia Indonesia.Tunas AN. 2014.Analisis Pengaruh Pembiayaan Syariah Terhadap Perkembangan Usaha Mikro Kecil Menengah Di Kota Depok [skripsi] . Bogor (ID): Institut Pertanian Bogor.Walpole R. 1992. Pengantar Statistika. Jakarta (ID) : Gramedia Pustaka Utama.Zeller M, Mayer RL. 2002. The Economics of Microfinance. Washington DC (USA): International Food Research Institute.

Factors Influencing Non-Performing Financing (NPF) at Sharia Banking Jaenal Effendi; Usy Thiarany; Tita Nursyamsiah
Walisongo: Jurnal Penelitian Sosial Keagamaan Vol 25, No 1 (2017)
Publisher : LP2M - Universitas Islam Negeri (UIN) Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ws.25.1.1540

The risk of financing is the risk caused by the failure of the customers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive measure and a risks controller of business activities. This research analyzes the factors influencing NPF at sharia banking (BUS) using a quarterly data from first quarter of 2012 until third quarter 2016. The method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and significantly are ratio of revenue sharing financing (RR), Return on Assets (ROA), inflation, Capital Adequacy Ratio (CAR) and Bank size while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect.

Potential of Islamic Insurance Market: Islamic Banking and Sukuk Sectors Case Study in Indonesia Jaenal Effendi
Global Review of Islamic Economics and Business Vol 9, No 1 (2021)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2021.091-07

This paper predicts the potential of the Indonesian Islamic insurance market, approached by calculating the premium contribution from the Islamic banking and sukuk sectors. This paper aims to determine and analyze the potential development of Islamic insurance market in Indonesia, seen from total contributions from Islamic banking and sukuk sectors over the next five years. The paper uses the Box-Jenkins ARIMA method which is one of the quantitative forecasting methods. The results of this study indicate that over the next five years, the total contribution of Islamic insurance will experience positive growth and it is predicted that it will have a total contribution of IDR 11,568.40 billion in 2023 from Islamic banking and sukuk sectors with the biggest contributor from the Islamic banking sector. The ARIMA forecasting results show a positive trend in the premium contribution of the Islamic banking and sukuk sectors from year to year. Even so, the growth will experience a slowdown. The prediction of a slowdown in the two sectors in its contribution to the Islamic insurance market in Indonesia is a sign that there might be a decline in the total financing growth by Islamic banking. Likewise with the sukuk sector, both state and corporate sukuk are predicted to experience a slowdown in the growth of Islamic insurance premiums.

Priority Strategy of Financial Institution Pension Funds (FIPF) for Islamic Scheme in Indonesia: Internal, Market, and Regulation Approach Jaenal Effendi
Global Review of Islamic Economics and Business Vol 9, No 2 (2021)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2021.092-10

According to a survey conducted by Otoritas Jasa Keuangan (OJK), 74.8% of workers and 85.7% of employers are attracted to Islamic pension funds. However, its market share is still relatively low compared to other Islamic financial product. The purpose of this study is to identify the internal, market and regulation issues that affect the development of FIPF (financial institution pension funds) and construct the strategy to develop FIPF for Islamic scheme. This study applies the analytical hierarchy process (AHP) to determine the strategy based on the priority scale assessed by several experts. The internal issues of FIPF are the priority of both problems and solutions in the development of FIPF for Islamic schemes. Furthermore, from the identification of problems and solutions, the strategy for optimizing FIPF scheme performance and services are the main strategies in expanding the FIPF’s market, followed by FIPF's socialization and literacy strategy, and strategies for strengthening relationships and synergy between the authority and FIPF management.

Co-Authors AGENG PRASETYO Amas Priatna, Isep Amelia Nadiah Wahyu Putri Anggita Aulia Pratiwi Annisa Rindra Utami Ascarya Ascarya Bambang Juanda Dedi Budiman Hakim Deri Siswara Ditta Wardhani DWI SURYANTO Ebrinda Daisy Gustiani Endriatmo Sutarto Faqih Udin dan Jono M. Munandar Meivita Amelia Hadi Riyadi Imam Teguh Saptono Imam Teguh Saptono Indah Fresma Sari Intan Aulia Ardhani Irfan Syauqi Beik Isep Amas Priatna Lisda Qotrunnada Nabila Putri Lukman M. Baga Marhamah Muthoharroh Mohammad Iqbal Irfany Muhammad Firdaus Muhammad Firdaus Mulya Tarmizi Mustica Bintang Sabiti Mustica Bintang Sabiti Muthoharroh, Marhamah Nunung Nuryartono Nunung Nuryartoro Nur Majdina Nur Rohmat Fadlil Nurkholis Yasmin Nuwailah Pangesti, Eka Rahmawati Prasetyo, Ageng Putri Ramadhani Saragih R. Bagus Sugiharto Shinta Wulandari Siti Karimah Sugema, Iman Sulisyanti, Ayu Supartoyo, Yesi Hendriani Tanti Novianti Thiarany, Usy Tita Nursyamsiah, Tita Tita Nursyamsiyah Toni Bakhtiar Triane Widya Anggriani Usy Thiarany Utami, Annisa Rindra Widya Gina Widya Syafitri Wirawan . Yeti Lis Purnamadewi Yuridistya Primadhita Yusman Syaukat Yusman Syaukat

Title

Found 43 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 43 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 43 Documents
Search