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QRIS as a catalyst for growth: Analyzing its role in Tanjung Balai's MSME sector from an Islamic viewpoint Putri, Dian Ananda; Jannah, Nurul
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 1 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i1.1480

Abstract

This study examines the role of QRIS (Quick Response Code Indonesian Standard) in enhancing the performance of Micro, Small, and Medium Enterprises (MSMEs) in Tanjung Balai. It evaluates the Islamic perspective on its use in economic transactions. The research employs a qualitative method with a case study approach. Data was collected through in-depth interviews with MSME actors, traders, and other relevant stakeholders. The findings indicate that QRIS has significantly improved the performance of MSMEs in Tanjung Balai by facilitating transactions, increasing efficiency, and expanding market reach. From an Islamic perspective, the use of QRIS is generally viewed positively, as it aligns with Sharia principles and represents an innovative development in the business sector. However, challenges exist, such as limited digital literacy among MSMEs and uneven infrastructure. Public Interest Statements QRIS has significant potential to improve the quality of MSMEs in Tanjung Balai by providing convenience in transactions, increasing income, and ensuring security in business operations. From an Islamic viewpoint, using QRIS supports Sharia principles and promotes sound business ethics. Therefore, the government and related institutions need to continue supporting the socialization and development of technological infrastructure so that MSME players in the area widely experience the advantages of QRIS
Penerapan Analisis Cost Volume Profit sebagai Evaluasi dalam Merencanakan Laba melalui Integrasi Pendapatan pada UMKM Ayam Penyet Zianka Erika, Erika; Nurwani, Nurwani; Jannah, Nurul
Studi Akuntansi, Keuangan, dan Manajemen Vol. 4 No. 1 (2024): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/sakman.v4i1.3194

Abstract

Purpose: This study aims to evaluate profit planning through revenue integration in the Ayam Penyet Zianka MSME by employing Cost Volume Profit (CVP) analysis. The objective is to understand how CVP analysis can help optimize financial performance and strategic planning in the competitive food service industry. Research methodology: A descriptive quantitative method was used, relying on a secondary data analysis. This study employed CVP analysis to assess the break-even point and margin of safety. By integrating various cost components and revenue streams, this analysis aims to identify the critical factors affecting profitability and provide actionable insights for financial management. Results: The analysis revealed several factors that contributed to the decline in sales and subsequent decreases in MSME profits. High operational costs hinder the effective cost control and production management processes. Additionally, fluctuating material prices that are not matched by corresponding increases in selling prices further exacerbate profit margins. These findings underscore the importance of efficient cost management and dynamic pricing strategies for sustaining profitability. Limitations: The study was confined to a single MSME, which may limit the generalizability of the findings. Moreover, reliance on secondary data may restrict the depth of the analysis and the ability to capture real-time financial nuances. Contribution: This study enhances profit planning strategies for small food businesses and contributes to improved financial management practices in the MSME sector. It provides valuable insights for entrepreneurial decision making, emphasizing the significance of CVP analysis in effective profit planning and financial performance optimization within competitive market dynamics. This study highlights the critical need to integrate cost-control measures and adaptive pricing strategies to sustain profitability in the face of market fluctuations.
IMPLEMENTASI SISTEM JEMPUT BOLA PADA PRODUK TABUNGAN MUDHARABAH DI KSPPS BMT NU JAWA TIMUR CABANG KOTA SUMENEP Rosyid, Abd.; Jannah, Nurul; Tafdila, Tafdila; Nor Azizah, Wanda; Syarifah, Wardatus
Prosiding Pengabdian Ekonomi dan Keuangan Syariah Vol. 1 No. 1 (2023): Prospeks
Publisher : LP2M IAI AL-KHAIRAT PAMEKASAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32806/pps.v1i1.261

Abstract

Karya ilmiah ini erjudul “Implementasi Sistem Jemput Bola pada Produk Tabungan Mudharabah di KSPPS BMT NU JAWA TIMUR CABANG KOTA SUMENEP" yang disusun oleh mahasiswa Jurusan S1 ekonomi syariah, Fakultas Ekonomi dan Bisnis Islam. Latar belakang penelitian ini adalah perkembangan perbankan syariah sudah cukup meningkat serta adanya persaingan antara perbankan syariah dan perbankan konvensional. untuk mempertahankan nasabahnya perlu adanya pelayanan semaksimal mungkin, salah satunya menggunakan sistem jemput bola. Sistem jemput bola merupakan suatu strategi yang dilakukan dengan cara petugas langsung mendatangi nasabah. Karya ilmiah ini bertujuan untuk memahami bagaimana implementasi sistem jemput bola pada produk tabungan Mudharabah di Kspps Bmt Nu Jawa Timur Cabang Kota Sumenep. Jenis penelitian adalah penelitian lapangan yang bersifat deskriptif kualitatif yaitu dengan cara melakukan survey langsung ke objek penelitian. Teknik pengumpulan data penulis memperoleh melalui dokumentasi, observasi ke lapangan, dan wawancara dengan Account Officer di KSPPS BMT NU JAWA TIMUR CABANG KOTA SUMENEP. Berdasarkan hasil penelitian yang telah dilakukan bahwa sistem jemput bola merupakan andalan utama dalam melayani nasabah. Dlihat dari laporan tahunan KSPPS bmt Nu Jawa Timur Cabang Kota Sumenep memperlihatkan bahwa bank dalam kondisi sehat terbukti dengan meningkatnya jumlah nasabah dan jumlah tabungan dari tahun 2016-2020. Sehingga dengan sistem ini dapat meningkatkan laba atau pendapatan KSPPS BMT NU JAWA TIMUR CABANG KOTA SUMENEP.
The Influence Of Tourist Visits On The Welfare Of The Surrounding Community (Case Study Of Selemak Deli Serdang Village) Lubis, Mutiara; Jannah, Nurul; Dharma, Budi
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 1, No 2 (2017): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3..10821

Abstract

The purpose of this study is to determine the impact of village welfare on tourists' visits to Selemak Village in Deli Serdang. In this study, wellbeing is the dependent variable and tourist visits are the independent variable. A quantitative technique including causality investigations is employed. Saturated sampling was used in this study to choose 50 village vendors as samples. There will be fifty respondents in all that the researchers employ for this study. Data were collected using a Likert scale questionnaire, and the SPSS version 26 program was utilized for basic regression analysis. With a regression coefficient of 0.443, the research demonstrates a positive association between tourist visits and community wellbeing. This implies that a 1% increase in tourist visits might result in a 0.443% improvement in community welfare. The tourist visit variable explains 17.8% of the variability in community wellbeing, with other factors influencing the remaining portion, according to the coefficient of determination (R2). The wellbeing of the community in Selemak Village, Deli Serdang, is significantly impacted by tourist visits, according to the study's findings. Tourism managers and regulators may utilize research findings as a starting point to develop strategies and rules that more effectively increase visitor visitation.
The Influence Of Increased Income From Mudharabah Profit Sharing On Customers' Interest In Paying Zakat (Case Study Of Bank Sumut Syariah Kcp Marelan Raya) Hasrimy, Nabila Felicia; Nasution, Yenni Samri Juliati; Jannah, Nurul
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 3 (2024): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3.11372

Abstract

Zakat is an important instrument in balancing the economy and reducing poverty levels in society. However, the awareness of some people in paying zakat is still low, especially among Islamic banking customers. In this context, the increase in income from mudharabah contracts in Islamic banks is expected to encourage customers' interest in paying zakat, considering that zakat is an obligation for those who have reached the criteria as muzakki. The purpose of this study is to see how the effect of increasing income on interest in paying zakat. The research method used is descriptive research with a quantitative approach. The sample in this study amounted to 90 respondents and the data were analyzed by Multiple Linear Regression Test. The results of this study indicate a significant influence between income and interest in zakat with a p-value of 0.000 (
Implementasi Etika Bisnis Islam pada Bagian Pengadaan di PT. Perkebunan Nusantara IV Regional II Medan Ritonga, Rizka Sabila; Jannah, Nurul
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25557

Abstract

Penelitian ini bertujuan untuk menganalisis implementasi etika bisnis Islam pada bagian pengadaan di PT. Perkebunan Nusantara IV Regional II Medan. Etika bisnis Islam menjadi penting karena dapat membentuk perilaku dan keputusan bisnis yang sesuai dengan prinsip-prinsip syariah, yang mengutamakan kejujuran, keadilan, dan tanggung jawab. Penelitian ini menggunakan pendekatan kualitatif dengan teknik wawancara dan observasi terhadap pihak-pihak yang terlibat dalam proses pengadaan di perusahaan tersebut. Hasil penelitian menunjukkan bahwa perusahaan telah mengintegrasikan nilai-nilai etika bisnis Islam dalam proses pengadaan, meskipun masih terdapat tantangan dalam konsistensi penerapan prinsip-prinsip tersebut. Beberapa faktor yang mempengaruhi implementasi etika bisnis Islam di antaranya adalah pemahaman dan kesadaran karyawan, serta kebijakan perusahaan yang mendukung penerapan prinsip-prinsip syariah.
Corporate Social Responsibility (CSR) dalam Perspektif Ekonomi Islam: Studi Kasus PT. Perkebunan Nusantara IV Regional II Kania, Dinda Tri; Jannah, Nurul
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 1 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i1.25683

Abstract

Penelitian ini menganalisis tanggung jawab sosial perusahaan (Corporate Social Responsibility/CSR) PT Perkebunan Nusantara IV Regional II berdasarkan perspektif ekonomi Islam. Dalam ekonomi Islam, CSR tidak hanya berfokus pada keuntungan material, tetapi juga menekankan keseimbangan nilai ekonomi, sosial, dan keberlanjutan lingkungan sesuai prinsip syariah. Studi ini menggunakan metode kualitatif dengan pendekatan deskriptif untuk mengevaluasi program CSR perusahaan. Hasil penelitian menunjukkan bahwa CSR PT Perkebunan Nusantara IV telah mencerminkan prinsip-prinsip ekonomi Islam seperti keadilan, keseimbangan, dan kepedulian sosial, terutama dalam program pemberdayaan masyarakat dan pelestarian lingkungan. Namun, transparansi dan pengukuran dampak jangka panjang masih perlu ditingkatkan. Penelitian ini memberikan perspektif baru dengan mengevaluasi CSR berbasis syariah pada sektor perkebunan, yang jarang dibahas sebelumnya. Temuan ini diharapkan menjadi panduan bagi perusahaan dalam mengelola CSR berbasis syariah secara lebih optimal di masa depan.
Identifikasi Perilaku Prokrastinasi Akademik Siswa SMA Swasta Kota Bengkulu Jannah, Nurul; Ariani, Winda Ade; Sumarni, Ade Titin
JURNAL KONSELING GUSJIGANG Vol 10, No 1 (2024): Jurnal Konseling Gusjigang Juni 2024
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/jkg.v10i1.11719

Abstract

The aim of the research is to identify students' academic procrastination behavior. Academic procrastination behavior can produce negative impacts, usually assignments are only started at the last minute of the submission deadline so that the work creates pressure, fear, anxiety, and has an impact on learning outcomes. Quantitative research method with a sample of 731 Bengkulu City Private High School students. Data collected using a questionnaire analyzed percentages. The results of the research show that academic procrastination behavior is in the form of delaying time to start and do assignments and doing other activities that are more enjoyable. As a student, you must be able to divide your time productively between studying and doing other enjoyable activities.
Visualization of the Implementation of Cross-Cultural Counseling in the “Serawai” Tribe Based on Multimedia Sari, Widya Kartika; Ariani, Winda Ade; Jannah, Nurul; Afrianti, Vira; Pattisinai, Amanda Ristriana; Wildani, Zakiatul
Tekno - Pedagogi : Jurnal Teknologi Pendidikan Vol. 15 No. 1 (2025): Tekno-Pedagogi
Publisher : Program Magister Teknologi Pendidikan Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/teknopedagogi.v15i1.42324

Abstract

Visualization of the application of cross-cultural counseling is a counseling approach that involves counselors and clients from different cultural backgrounds, where cultural information is presented explicitly. In this process, the potential for cultural prejudice is very high, so counselors must have cultural sensitivity to ensure the effectiveness of counseling services. Each client carries a self-development cycle influenced by the local wisdom of their culture, including in the context of the Serawai tribe culture, especially in the relationship between young people known as "berayak." This study focuses on applying multimedia-based cross-cultural counseling in the context of Serawai culture. Counselors use various media, such as PowerPoint presentations, videos, films, and other content relevant to clients' needs, to create a more inclusive and culturally responsive counseling environment. The use of multimedia not only helps in conveying counseling messages more clearly but also becomes a bridge between counselors and clients in understanding each other's cultural perspectives. The study results indicate that this approach effectively reduces barriers to cultural communication, increases client comfort, and deepens the client's self-reflection process. In addition, the use of multimedia strengthens the counselor's ability to accommodate cultural differences and helps clients understand counseling concepts through visualizations that are relevant to their culture. These findings provide new contributions to developing adaptive and contextual cross-cultural counseling models, especially in improving the quality of counseling services in areas with high cultural diversity.
Analisis Laporan Arus Kas sebagai Alat Ukur Menilai Kinerja pada PT. Pegadaian Cabang Rantau Prapat Tahun 2019-2022 Rambe, Mei Sahriani; K, Kamilah; Jannah, Nurul
SEIKO : Journal of Management & Business Vol 6, No 2.1 (2023)
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i2.5201

Abstract

Tujuan penelitian yang dilakukan peneliti adalah untuk mengetahui dan menilai bagaimana kinerja keuangan perusahaan PT. Cabang Pegadaian Rantau Prapat dengan menggunakan Rasio Arus Kas yang terbagi menjadi Rasio Likuiditas dan Rasio Fleksibilitas. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan deskriptif. Pengumpulan data melalui wawancara dan teknik dokumentasi. Data yang digunakan dalam penelitian ini adalah laporan keuangan PT. Cabang Pegadaian Rantau Prapat selama 4 tahun berturut-turut dari tahun 2019-2022. Menggunakan Operating Cash Flow Ratio (AKO), Cash to Interest Coverage Ratio (CKB), Cash Coverage to Current Liabilities Ratio (CKHL), Capital Expenditure Ratio (PM), Total Debt Ratio (TH), Fund Flow Coverage Ratio (CAD), Rasio Arus Kas Bebas Bersih (AKBB) dan Rasio Kecukupan Arus Kas (KAK). Hasil penelitian menunjukkan bahwa Rasio Arus Kas Operasional, Rasio Cakupan Kas terhadap Kewajiban Lancar, dan Rasio AKO terhadap Total Hutang memiliki tingkat rasio yang sama namun mengalami penurunan dari tahun 2016-2018. Rasio arus kas operasi terhadap bunga, rasio belanja modal, Rasio Cakupan Dana, Rasio Arus Kas Bebas Bersih dan Rasio Kecukupan Arus Kas mengalami peningkatan dari tahun 2016-2018 walaupun masing-masing rasio memiliki tingkat rasio yang berbeda. Kata kunci: Laporan Arus Kas, Analisis Rasio, Kinerja Keuangan
Co-Authors , K, Kamilah Abdillah, Prayugo Ali Abdillah, Rizky Ade Titin Sumarni Adhetian, Siraj Bugar Afifah Zahra, Hana Afigi, Nando Afrianti, Vira agung setiawan Ahmad Ahmad Ahmad Nasution, Rifaldi Ainun, Rofiqoh Albertos Damni Amanda Ristriana Pattisinai Amin, Mustangin Amrazi Zakso Anas Kiki Anugrah Andhini, Marliza Andini Tribuana Tunggadewi, Andini Tribuana Andri Soemitra Andrian Syaputra Angin , Silvia Amelia Perangin Apri Nelyanti, Dian Aprillia, Wina Aqwa Naser Daulay Ardani, Kori Nur Ariani, Winda Ade Arif Rahman Arif Rahman Arifin Fauzi Lubis Asih, Mulya Azizahsekarningrum Azzubair, Muhammad Baehaqi Barokah, Alfiyani Beata Ratnawati Bi Rahmani, Nur Ahmadi Birahmani, Nur Ahmadi Budi Harianto Dahlianti, Hervina Daim Harahap Imsar, Rahmat Dalimunthe, Yuli Saputri Damanik, Feni Maryana Daya Negri Wijaya Dedi Efendi Dellarosa, Luvy Dewi Yuliani, Dewi Dharma, Budi Dhina Mustika Sari Diana ., Diana Dini Lestari, Dini Dukat Dukat dwi ayu lestari, dwi ayu Dwi Sukma Rini Eka Lestari Elmasari, Rindi Emil Wahdi Erika Erika Erma Yunita Eva Marliana, Eva Fadilah Qonitah Fadilah, Tasya Fajlurrahman, Imam Fatchurohman Fatkhur Rohman Firmansyah, Muhammad Iqbaal Gandhi, Gina Sonia Gazali, Moh. Imam Gumilar, Teguh Haerunas, Haerunas Hafsah, Umi - Hamdani, M. Fikri Hamid, Nur Hanum, Fadillah Harahap, Anggina Khairani Harahap, Ayu Ashara Harahap, Ledis Izzah Harahap, M. Ikhsan Harahap, Muhammad Ikhsan Harahap, Nurlaila Harahap, Rahmat Daim Harahap, Satria Mariqom Hardianti, Susi Hasibuan, Ahmad Ridwan Hasibuan, Ali Daud Hasibuan, Vera Yunita Hasibuan, Zahra Syahfitri Hasrimy, Nabila Felicia Hendra Harmain Husna Rangkuti, Munafiatul Hutabarat, Cindy Claudia Ihsan Nasution, Ahmad Fikri Ihwan Ilhamy Nasution, M. Lathief Imsar Imsar , Imsar Imsar, Imsar Insania, Ribki Isnaini Harahap Iswanty, Widya Ivone Wulandari Budiharto, Ivone Wulandari Juliana Nasution Juliani K, Kamilah Kadafi, Amirul Kamala, Nail Kamilah, Kamilah Kania, Dinda Tri Kartini, Sylvi Aprilia Khairani Putri, Khairani Khairussyifa, Salwa Kharismatul Khasanah Khoiriaturrahmah, Miftah Khotimah Nst, Husnul Kristiana kristiana Kurnia Saputri, Kurnia Kurniadi Kurniadi, Kurniadi La Daiba, Yuniar Larah, Anggi Dwi Lathief Ilhamy Nasution, Muhammad Laylan Syafina Lestari Nasution, Annio Indah Lestari, Annio Indah Liana, Vega Lisnawati Ruhaena Lubis, Mutiara Lubis, Sofiana Zahara Luis, Muhammad Luthfiyah, Nanda Amirah M. Chaerul Rizky Mamik Indaryani Margaretha Maria Shinta Pratiwi Marliasari, Sherly Mawaddah, Nada Meianti, Ardhia Meliana, Linda Miesriany Hidiya Mindara, Gema Parasti Miski, Cut Raudhatul Mistriyani, Mistriyani Mufti, Robi Muhammad Arif Muhammad Lathief Ilhamy Nasution Muhammad Saefullah, Muhammad Muhammad Yafiz, Muhammad Muhtar Muhtar Muhtar Muhtar Mulyani, Seri Muryati Muthi’ah, Rini Nabilah, Nada Nabillah, Nur Nani Hizriani, Nani Naqa Fairuz, Muhammad Nasution, Annio Indah Lestari Nasution, Doly Anwar Nasution, Inayatul Widad Nasution, Juliana Nasution, Nur Azizah Nasution, Rafiqa Humaira Natalia, Adelisa Neila Susanti Ningtias, Sinar Ayu Nor Azizah, Wanda Novrian, Ardi Nst, Yeni Rahman Nst, Yenni Samri Juliati Nur Azizah Nur Fadlilah, Nur NUR HAMID Nur Indah Sari Nurdiana Putri, Ameliya NURHASNAWATI NURHASNAWATI Nursantri Yanti Nurul Inayah Nurwani Nurwani, Nurwani Nurwijayanti Oktariza, Dodi Olief Ilmandira Ratu Farisi Pakpahan, Rona Melati Pambudi, Yudha Rello Pane, Dini Azlina Panjaitan, Arnita Septiani Paramita, Nadira Paramitadevi, Yudith Vega Pohan, Rahma Nur Azizah Pramitadevi, Yudith Vega Praptomo, Agus Dodi Prasetya, Dimas Ardi Pratama, Nofran Putra Pufa, Rere Pulungan, Silviani Putri Indah Sayakti Putri, Dian Ananda Putri, Sania Adela Rahayu, Anisa Tri Rahma, Tri Inda Fadhila Rahma, Yeni Rahmat Kamal Rahmi Syahriza, Rahmi Ramadani Silalahi, Purnama Ramadhani, Sri Rambe, Mei Sahriani Renaldi M Reni Kurniah Ridho, Rizky Ridwan, Wonny Ahmad Riski, Dwiko Febrama Rita Hairani Ritonga, Rizka Sabila Rizqiani, Eni Roos Yuliastina Rositasari, Tri Rosyid, Abd. S, Azra Afwani Saputra, Septian Fauzi Dwi saputri, delma Sari, Riski Ardila Sari, Suspita Selvarajh, Gunavathy Sembiring, Fauji Arkhan SEPTI WULANDARI Septiani, Siti Shabira, Yusra Shofia, Putri Anis Silaban, Intan Roulina Silalahi, Purnama Ramadani Simanjuntak, Wiwin Khairany Sindi, Sindi Siregar, Nur Ainun Sitepu, Rama Dhania Br Siti Aisyah Siti Rahmi, Siti Sitorus, Isnaini Faraz Azis Ilmi Sri Wulandari Suci Wulandari Suggianto, Sugianto Sugianto Sugiarti, Rini Suhairi Suhairi supriadin supriadin Supriyono, Supriyono - Survival Syafrizal, Muhammad Syahfitri, Mulia Syamsiar, Syamsiar Syamsu Nur, Syamsu Syarifah, Wardatus Tafdila, Tafdila Tandah, M. Rinaldhi Tanjung, Dava Maulana Tanjung, Hafiz Yazid Tarigan, M. Usman Abdullah Teguh Wahyono Triana Hertiani Tuti Anggraini Ulfa, Mariyana Verawati, Dian Marlina Vitasari, Dian Wahdi, Emil Wahdi Wahidah Wahidah Wahyu Syarvina Warsono Warsono Widayanti, Ipuk Widiawati, Yesi Eka widya kartika sari Wijaya Wijaya Wijaya, Shafira Vitra Wildani, Zakiatul Winta, Mulya Virgonita I Winta, Mulya Virgonita I. Wiranda Intan Suri Yanti, Dina YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yesica Apriliana Paska Yohanes Bahari Yossie Susanti Eka Putri YS, Tazkia Ayu Alharani YUNI, YUNI Yuniarti . Yunus Tete Konde Yusra, Yusra Yusrizal Yustina Yustina Zubaidah Amir MZ Zuhrinal M. Nawawi Zulbayu, L.M. Andi Zulfarina, Zulfarina Zulhakim, Zulhakim