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All Journal Jurnal Teknologi Lingkungan Universitas Trisakti Al-'Adalah Medina-Te : Jurnal Studi Islam BERITA BIOLOGI TEKNOLOGI LINGKUNGAN PROSIDING SEMINAR NASIONAL CENDEKIAWAN Mazahib RJABM (Research Journal of Accounting and Business Management) Seminar Nasional Kota Berkelanjutan Tasharruf: Journal Economics and Business of Islam Jurnal Ilmiah Ahwal Syakhshiyyah (JAS) Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Mazahib: Jurnal Pemikiran Hukum Islam Al-Tijary : Jurnal Ekonomi dan Bisnis Islam EKONOMIKA SYARIAH : Journal of Economic Studies Qonun Jurnal Hukum Islam dan Perundang-Undangan JUARA: JURNAL WAHANA ABDIMAS SEJAHTERA INDONESIAN JOURNAL OF URBAN AND ENVIRONMENTAL TECHNOLOGY PERDULI: Jurnal Pengabdian kepada Masyarakat Innovative: Journal Of Social Science Research Promotor: Jurnal Mahasiswa Kesehatan Masyarakat Journal of Rural Community Development (JRCD) International Journal of Islamic Business and Economics (IJIBEC) Mitsaq : Islamic Family Law Journal
Bambang Iswanto
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Law, Crime, Criminology & Criminal Justice Nursing Public Health Social Sciences Other

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Factors Affecting the Realization of MSME Financing at Sharia Bankaltimtara Samarinda Iswanto, Bambang; Ain Fitriah, Rinna Ramadhan; AF, Muh Shadiqul Fajri; Munir, Misbahul
Al-Tijary Vol 8 No 1 (2022): AL-TIJARY VOL. 8, NO. 1, DESEMBER 2022
Publisher : Faculty of Islamic Economics and Business Sultan Aji Muhammad Idris State Islamic University Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/at.v8i1.5452

Abstract

This research was motivated by the importance of financing the MSME sector based on sharia principles to overcome the problem of limited MSME business capital and avoid the element of usury. The research aims to determine what factors had a significant effect on the realization of MSME financing at the Sharia Bankaltimtara, Samarinda. To analyze the factors that influenced the realization of MSME financing, the method used was multiple linear regression analysis. Based on the results of the regression coefficient test, there are two factors that have a significant influence on the realization of MSME financing at Sharia Bankaltimtara Samarinda, namely the customer's net profit per month and the value of the financing collateral. Meanwhile, other factors such as education level, length of business, type of business, composition of business capital, and type of financing contract did not significantly affect the realization of financing in the MSME sector. The implication of this research is as an evaluation for Bankaltimtara Syariah Samarinda that increasing MSME financing must focus on assessing customers' monthly net profit and the value of financing collateral.
Implementasi Keputusan Direktur Jenderal Bimbingan Masyarakat Islam Nomor 189 Tahun 2021: Perspektif Tipologi KUA di Kabupaten Kutai Timur Subagyo, Edy; Iswanto, Bambang; Rahmi Hs, Maisyarah
Medina-te : Jurnal Studi Islam Vol 19 No 2 (2023): Medina-Te: Jurnal Studi Islam
Publisher : Pascasarjana Universitas Islam Negeri Raden Fatah Palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/medinate.v19i2.19490

Abstract

The Ministry of Religion in East Kutai District conducts pre-marital marriage counseling for prospective brides and grooms, organized by the sub-district Religious Affairs Offices (KUA). These KUA offices are classified into different typologies, namely C, D1, and D2, based on rules and regulations established by the Ministry of Religion. Factors taken into consideration for this classification include geographic conditions and the number of marriage events. These typological differences give rise to unique challenges and issues. In this context, the research problem is formulated: How is the implementation of Director General of Islamic Guidance (Kepdirjen Bimas Islam) Regulation Number 189 of 2021 concerning the execution of pre-marital marriage counseling for prospective brides and grooms in East Kutai District?. The research methodology employed is qualitative, specifically a Field Research approach with sociological-legal orientation. Data is collected through observation, interviews, and documentation, followed by data condensation, presentation, conclusion drawing, and data validity techniques for data analysis. The results indicate variations in the implementation of Kepdirjen Regulation Number 189 of 2021 in different KUA typologies. KUA typology C utilizes face-to-face or group methods, while typology D1 and D2 employ independent methods for pre-marital counseling. This divergence is attributed to the challenging geographic conditions of typologies D1 and D2, where these methods are deemed suitable and effective. Additionally, the hindrances and support mechanisms in the implementation of pre-marital counseling are linked to the limited infrastructure in typologies D1 and D2, particularly concerning electrical and network accessibility, which hampers service provision in these regions.
Efektivitas Penanggulangan Konflik Manusia dan Satwa Liar dalam Perspektif Maqashid Syari'ah Balqis, Siti Noor Auliya; Iswanto, Bambang; Maryah, Dewi
QONUN: Jurnal Hukum Islam dan Perundang-undangan Vol 7 No 2 (2023)
Publisher : FASYA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/qj.v7i2.7132

Abstract

Banyaknya peristiwa serangan satwa liar yaitu buaya yang kerap meresahkan warga di sekitar wilayah Sangatta Kabupaten Kutai Timur. Penulis melihat banyaknya konflik yang melibatkan antara buaya dengan manusia yang tidak sedikit memakan korban meninggal dunia, luka-luka dan cacat tetap.Dengan permasalahan demikian, penulis akan meneliti terkait efektivitas peraturan yang sudah dikeluarkan oleh Menteri Kehutanan pada tahun 2008 ditinjau dalam perspektif Maqashid Syari’ah. Dalam penelitian ini, penulis mengambil pemikiran Imam Al-Ghazali. Dalam konflik antara manusia dengan satwa liar kedua mahluk hidup tersebut sangatlah penting keberadaannya. Satwa dan manusia sama-sama tidak boleh disakiti, dilukai bahkan dibunuh. Hasil yang didapat dari penelitian ini adalah bahwa pihak Balai Konservasi Sumber Daya Alam Kalimantan Timur belum sepenuhnya menerapkan Peraturan Menteri Kehutanan Nomor P.48/Menhut-II/2008 sebagaimana mestinya sehingga peraturan ini belum efektif. Ada beberapa faktor penghambat yang dihadapi oleh Balai Konservasi Sumber Daya Alam Kalimantan Timur pada penanganan pasca koflik kepada buaya yang terkena konflik dengan manusia seperti lokasi pelepasliaran, penanganan jika buaya tersebut terkena luka atau sakit akibat proses evakuasi, dana untuk kompensasi kepada korban manusia, serta kurangnya Sumber Daya Manusia terlatih untuk menangani buaya. Menurut pandangan Maqashid Syar’iah, konflik antara manusia dan satwa liar sebisa mungkin harus dihindari. Manusia dan hewan adalah mahluk hidup yang diciptakan oleh Allah SWT. yang artinya keberadaannya sangatlah penting serta tidak boleh disakiti, dilukai bahkan dibunuh dalam kondisi tertentu.
SPEKULASI, PROYEKSI DAN INVESTASI DALAM ISLAM: MENCARI KESEIMBANGAN ANTARA RISIKO DAN KEUNTUNGAN Narda Wati, Narda Wati; Rahmah, Nur Azizah; Iswanto, Bambang
RJABM (Research Journal of Accounting and Business Management) Vol 8, No 2 (2024)
Publisher : LPPM University 17 Agustus 1945 Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31293/rjabm.v8i2.8035

Abstract

This article discusses the concepts of speculation, projection, and investment in Islam, as well as attempts to achieve a balance between risk and profit according to sharia principles. A deep understanding of financial risk, sustainable financial projections, and Islamic investment principles are the main focus. These concepts are applied in a practical context to show how individuals and institutions can take wise financial decisions taking into account Islamic ethical values. Through the merging of practical and theoretical approaches, this article provides a comprehensive view of how speculation, projection, and investment can be conducted in accordance with Islamic teachings. Speculation tends to involve an element of uncertainty and luck, which is contrary to the principles of justice and order in Islam. In Islam, speculative activities tend to be regarded as gambling involving a high element of uncertainty and ignorance. Investments in Islam must be halal, or not contrary to religious principles. Investments must also be made with due regard to the principles of fairness, transparency, and clear agreements.
IMPLEMENTASI IKRAR TAUKIL WALI DALAM PERATURAN MENTERI AGAMA NO 20 TAHUN 2019 DI KANTOR URUSAN AGAMA KABUPATEN KUTAI TIMUR Hidayat, Rahman; Iswanto, Bambang; Haries, Akhmad
JAS : Jurnal Ahwal Syakhshiyyah Vol 5 No 1 (2023): Jurnal Ilmiah Ahwal Syakhshiyyah (JAS)
Publisher : Fakultas Agama Islam UNISMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33474/jas.v5i1.21102

Abstract

KUA(religious Affairs office) Sangatta Utara and KUA (religious Affairs office) Bengalon are the KUA (religious Affairs office) with the highest number of marriage events, of course this high number also influences the problems that occur, especially for bridal couples who are getting married but their guardians are not present or are absent Minister of Religion Regulation No. 20 of 2019 concerning the vows of guardians If the guardian cannot attend the ceremony, he must make a guardian's pledge at his domicile, this is to avoid falsifying the guardian's data or other unlawful actions. The aim of this research is to find out and analyze the implementation of the taukil wali pledge in the Minister of Religion Regulation No. 20 of 2019 in the KUA of East Kutai Regency and identify supporting and inhibiting factors. The research method is qualitative with a Field Research type of research with a sociological-juridical approach. The data collection techniques are observation, interviews and documentation, the data analysis techniques used are first data condensation, then data presentation and finally drawing conclusions from the data, as well as using data validity techniques. The results of the research are that KUA Sangatta Utara and KUA Bengalon have implemented it in accordance with PMA Number 20 of 2019, KUA Sangatta Utara and KUA Bengalon postponed bridal couples whose guardians were unable to attend the ceremony and without having a guardian's vows, although there were some who still carried out the ceremony even without However, the guardian's pledge was still forced to be done because the guardian could not be contacted and the family had insisted and the travel distance was more than 92.5 km so it was automatically transferred to the judge's guardian. The inhibiting factor is that the community lacks socialization and another obstacle is the lack of solidarity between KUAs. The supporting factor in North Sangatta KUA and Bengalon KUA is that the employees have a patient spirit, so that whatever problems can be resolved well and support from the Regency Ministry of Religion which continues to monitor and provide support. in order to implement the PMA well.   Keywords: Implementation, Pledge of Taukil Wali, PMA Number 20 of 2019
The Effect of Good Zakat Governance (GZG) Implementation on Muzakki Satisfaction at the National Amil Zakat Agency (BAZNAS) East Kutai Regency Iswanto, Bambang; Riswan, Muhammad; Ashar, Ashar; Ibadurrahman, Ibadurrahman
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 1 (2023): June 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i1.6241

Abstract

This study aims to determine the effect of accountability, responsibility, transparency, and Fairness on Muzakki satisfaction in Baznas Kutai Timur. This type of research is quantitative, with samples taken by accidental sampling. Data collection techniques include observation, documentation, and questionnaires. Data analysis techniques include validity tests, reliability tests, classical assumption tests, multiple regression tests, and hypothesis tests. The results of this study show that partially, the variables of Accountability, Responsibility, transparency, and Fairness have a significant positive effect on Muzakki satisfaction in Baznas Kutai Timur. Simultaneously, Accountability, Responsibility, transparency, and fairness (justice) have a positive and significant effect on Muzakki satisfaction in Baznas Kutai Timur.Penelitian ini bertujuan untuk mengetahui pengaruh Akuntabilitas, Responsibilitas, Transparansi dan Fairness (keadilan) terhadap kepuasan Muzakki di Baznas Kutai Timur. Adapun jenis penelitian ini adalah penelitian kuantitatif dengan sampel menggunakan accidental sampling. Teknik pengumpulan data berupa observasi, dokumentasi, dan angket. Teknik analisis data yaitu uji validitas, relibilitas, uji asumsi klasik, uji regresi berganda dan uji hipotesis. Hasil penelitian ini menunjukkan bahwa secara parsial variabel Akuntabilitas, Responsibilitas, Transparansi dan Fairness (keadilan) berpengaruh positif signifikan terhadap kepuasan Muzakki di Baznas Kutai Timur. Secara simultan Akuntabilitas, Responsibilitas, Transparansi dan Fairness (keadilan) berpengaruh positif dan signifikan terhadap Kepuasan Muzakki di Baznas Kutai Timur.
Job Creation Law and Consequences in Determining Halâl Products: Analysis of the Halâl Product Fatwa Committee Iswanto, Bambang
al-'adalah Vol 20 No 1 (2023): AL-'ADALAH
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/adalah.v20i1.16379

Abstract

  The Halâl Product Fatwa Committee is a new institution constructed in the Job Creation Law. Its authority is to determine whether consumer goods are halâl or harâm. This role has received two views: on the one hand, it is an attempt to negate the authority of the Ulema Council Indonesia (MUI), on the other hand, it shows that the government is interfering in religious affairs. This article attempts to present a review of the conception of government power, followed by regulations regarding the determination of halâl status in the Job Creation Law including its implications on institutional arrangements for administering halâl products. This research uses a combination of normative legal approaches with conceptual and statutory approaches. The research results show that: First, government power is an institution that is obliged to carry out governance issues. Second, the Halâl Product Fatwa Committee and its authority have the potential to eliminate the role of the MUI. Third, structuring can be done by unifying institutions administering Halâl guarantees or forming non-structural government institutions. This aims to create legal order and at the same time ensure that the MUI's institutional role is not lost. 
Factors Influencing the Increase in Mudarabah Savings: Evidence from Sharia Banks in Indonesia Bambang Iswanto; Risma Nurriani; Idhafiyyah Anwar; Ahmad Tibrizi Soni Wicaksono; Muhammad Nur Faaiz Fathah Achsani
International Journal of Islamic Business and Economics (IJIBEC) Vol 6 No 2 (2022): Volume 6 Nomor 2 Tahun 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i2.6288

Abstract

This research aims at discovering the effect of public bank's interest rate, Rupiah exchange rate, deposit profit sharing of public sharia banks and number of branch offices on the amount of mudarabah savings deposit in public sharia banks in Indonesia. It used Multiple Linear Regression Analysis to test 60 data samples from 12 banks located in Indonesia based on the public sharia banks’ monthly reports from 2017 to 2021. The research result showed that public bank's interest rate had no partial effect on the amount of mudarabah savings deposit and Rupiah exchange rate, deposit profit sharing and number of branch offices partially affected the amount of mudarabah savings deposit. Simultaneously, however, public bank's interest rate, Rupiah exchange rate, deposit profit sharing and number of branch offices had an influence on the amount of mudarabah savings deposit. As a primary funding source, mudarabah deposit plays an important role in a bank’s stability since it is the main element to reduce the bank liquidity risk. The implication of this study is that it is important for banks to have a policy that (1) maintain a certain amount of deposit savings by considering the macroeconomic condition, namely the exchange rate of currency used in the global economic trade and (2) maintain the performance of bank’s internal factors such as profit-sharing and number of branch offices as an attempt to expand the networkto increase the mudarabah deposit market share.
Descriptive Study of Parenting in Pedophilia Offenders Iswanto, Bambang; Ningsih, Yuninda Tria
PROMOTOR Vol. 8 No. 5 (2025): OKTOBER
Publisher : Universitas Ibn Khaldun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/pro.v8i5.1396

Abstract

Sexual violence is a phenomenon that occurs around the world and in Indonesia. Data shows that victims of sexual crimes are dominated by the age group 13-17 years, while the perpetrators are dominated by the age group 25-44 years. In this case, adults who commit sexual crimes against children are called pedophiles. This study aims to determine the type of parenting that is most highly applied to pedophiles. This study uses descriptive quantitative methods. The scale used in this study is the Parenting Styles and Dimensions Questionnaire (PSDQ) (Robinson et al., 1995) which was later translated and validated by Fahiroh, Tairas, and Retnowati (2019). The research was conducted on inmates of correctional institutions with child protection cases. The results showed that the subjects in this study received permissive and authoritarian parenting in the high category, while democratic parenting was in the low category. It can be concluded that permissive and authoritarian parenting are the types of parenting most often applied to pedophiles.
UPAYA PEMBINAAN ANAK DIDIK OLEH LEMBAGA PEMBINAAN KHUSUS ANAK PERSPEKTIF MAQĀṢID AL-SYARĪ’AH (STUDI DI LPKA KELAS II TENGGARONG) Wati, Widya; Iswanto, Bambang; Syakur, Abdul
Mitsaq: Islamic Family Law Journal Vol 3 No 2 (2025): MITSAQ, VOLUME 3 NOMOR 2, 2025
Publisher : Fasya UIN Sultan Aji Muhammad Idris Samarinda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/jm.v3i2.10034

Abstract

Abstract: One of the factors, such as the lack of attention and parental involvement in educating, nurturing, and providing the rights of children, can result in the child committing criminal acts and eventually coming into contact with the law. Therefore, during their sentence, the Juvenile Correctional Institution, hereinafter referred to as the institution, plays a role in providing guidance to children who are in conflict with the law. This research is a qualitative study with a normative-empirical legal method, descriptive in nature, using a statutory approach. The data sources come from primary and secondary data. The data collection techniques used include observation, interviews, and documentation, with three procedures for data analysis: data reduction, data presentation, and drawing conclusions. Based on the research findings, the efforts made by the Juvenile Correctional Institution Class II Tenggarong consist of religious guidance, education, skills/interests & talents, each manifested in several activities, providing the children's rights, fulfilling their needs, and offering healthcare services that encompass both physical and mental health. Secondly, from the perspective of Maqāṣid Al-Syarī’ah, there are three points of guidance by the Juvenile Correctional Institution Class II Tenggarong that are categorized as Dharuriyyat (essential needs), namely religious activities under the category of Hifdz al-din (preservation of religion), such as mandatory and voluntary communal prayers, BTQ (Qur'an reading), study of religious gatherings, and the Bible study. Then, healthcare services under the category of Hifdz nafs (preservation of life), which include providing nutritious food, rest periods, health check-ups, exercise, and counseling with psychologists. Lastly, education under the category of Hifdz aql’ (preservation of intellect), which includes formal education, package programs, and religious classes. Furthermore, activities related to skill development, interests, and talents fall under the category of Hajiyyat (complementary needs). Abstrak: Salah satu faktor seperti kurangnya perhatian dan peran orang tua dalam hal mendidik, mengasuh, dan pemberian hak-hak anak dapat mengakibatkan anak melakukan tindak pidana dan akhirnya berurusan dengan hukum. Sehingga selama menjalani masa pidananya, Lembaga Pembinaan Khusus Anak yang selanjutnya memiliki peran dalam memberikan pembinaan terhadap anak yang berkonflik dengan hukum tersebut. Jenis penelitian ini adalah penelitian kualitatif dengan metode hukum normatif-empiris yang bersifat deskriptif dengan menggunakan pendekatan perundang-undangan (Statue Approach). Sumber data berasal dari data primer & sekunder. Teknik pengumpulan data yang digunakan yaitu observasi, wawancara, dan dokumentasi, serta menggunakan tiga prosedur dalam menganalisis data, yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Berdasarkan hasil penelitian, upaya yang diberikan oleh Lembaga Pembinaan Khusus Anak Kelas II Tenggarong yaitu terdiri dari pembinaan keagamaan, pendidikan, keterampilan/minat & bakat yang masing-masing pembinaan diwujudkan dalam beberapa kegiatan, pemberian hak-hak anak binaan, pemenuhan kebutuhan yang dibutuhkan, serta layanan kesehatan yang melingkupi kesehatan fisik maupun kesehatan mental. Yang kedua, dalam perspektif Maqāṣid Al-Syarī’ah, terdapat tiga poin pembinaan oleh Lembaga Pembinaan Khusus Anak Kelas II Tenggarong yang bersifat Dharuriyyat, yaitu kegiatan keagamaan sebagai kategori Hifdz al-din yaitu shalat fardhu dan sunnah berjamaah, BTQ, kajian majlis ta’lim dan kajian alkitab. Kemudian layanan kesehatan sebagai kategori Hifdz nafs yang meliputi pemberian makanan yang bergizi, pemberian waktu istirahat, periksa kesehatan, olahraga konseling dengan psikolog. Kemudian pendidikan sebagai kategori Hifdz aql’, meliputi pendidikan formal, kejar paket, dan kelas keagamaan. Selanjutnya ialah yang bersifat Hajiyyat mencakup kegiatan pengembangan keterampilan, minat dan bakat.
Co-Authors Abdul Syakur Ahmad Fauzan Ahmad Tibrizi Soni Wicaksono Aji Khairul Umam Aji Khairul Umam, Aji Akhmad Haries Annisa Heryuni Ariani Dwi Astuti Ashar Ashar Asih Wijayanti, Asih Astri Rinanti Balqis, Siti Noor Auliya CITRA KARINA Dewi Maryah Dita Maruthi Dita Maruthi, Dita Dwi Indrawati Dwi Indrawati, Dwi Erma Kristiana Evi Tahapari Evi Tahapari, Evi FAISAL MADANI Faizah Bafadhal Fiqqy Dwinarizki Purnama Fiqqy Dwinarizki Purnama Fiqqy Dwinarizki Purnama, Fiqqy H. Widyatmoko H. Widyatmoko, H. Hadinatha, Miftah Faried Hafeez, Humairah Hendrawan, Diana Irvindiaty Hidayat, Rahman Huria Marnis Ian Pasaribu Ibadurrahman Ibadurrahman Idhafiyyah Anwar Imron Imron, Imron Lailatus Siami Lidwina Adeline Lidwina Adeline, Lidwina Lipur Sugiyanta Lukman Hakim M Yusuf Maiela Yuskha Maisyarah Rahmi Hasan Marendra, Sheilla Megagupita Putri Mawar DS Silalahi Mawar DS Silalahi Mawar DS Silalahi, Mawar Melati Ferianita Fachrul Misbahul Munir Muh Shadiqul Fajri AF Muhammad Ilham Fauzi Muhammad Lindu Muhammad Lindu Muhammad Nur Faaiz Fathah Achsani Muhyar Fanani Mutia Delina Nandra Mailani Narda Wati, Narda Wati Nisa, Wahdatun Puspitasari Putri Damayanti Rachmawati S.W. Rachmawati S.W., Rachmawati Rahmah, Nur Azizah Rahmi Hs, Maisyarah Rani, Karina Citra Renata Perwita Sari Rinna Ramadhan Ain Fitriah Risma Nurriani Riswan, Muhammad Roro Ira Riandiani Roro Ira Riandiani, Roro Rositayanti Hadisoebroto Saatul Aulia Saputra, Renaldi Siami, Lailatus Sindi Rawi Hertin Sinta Wiji Astuti Somantri, Berdi Subagyo, Edy Sunaryati Sunaryati Suprapto, Rommy Surano Muhasyah Tazkiaturrizki Tazkiaturrizki Tazkiaturrizki, Tazkiaturrizki Utari Ayuningtyas Vansca Ditria Pribadi Wardani, Rachmawati S. Wartaman, Anita Sitawati Widya wati Widyo Astono Widyo Astono Winarni . Winarni Winarni Yulfi Rezi Yulfi Rezi, Yulfi Yuninda Tria Ningsih