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Analisis Pengaruh Utang Luar Negeri, Ekspor, Penanaman Modal Dalam Negeri Terhadap Pertumbuhan Ekonomi Indonesia Pada Periode 2017-2021 Nabillah, Nur; Harahap, Isnaini; Jannah, Nurul
Future Academia : The Journal of Multidisciplinary Research on Scientific and Advanced Vol. 3 No. 2 (2025): Future Academia : The Journal of Multidisciplinary Research on Scientific and A
Publisher : Yayasan Sagita Akademia Maju

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61579/future.v3i2.471

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh utang luar negeri, ekspor, dan penanaman modal dalam negeri terhadap pertumbuhan ekonomi di Indonesia selama tahun 2017-2021. Pertumbuhan ekonomi menjadi indikator penting dalam mengukur kinerja pembangunan suatu negara, yang dipengaruhi oleh berbagai faktor baik dari dalam maupun luar negeri. Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang dianalisis melalui regresi linier berganda. Hasil penelitian menunjukkan bahwa secara parsial, utang luar negeri, ekspor, dan penanaman modal dalam negeri masing-masing berpengaruh signifikan terhadap pertumbuhan ekonomi. Selain itu, secara simultan ketiga variabel tersebut juga memiliki pengaruh yang kuat dan signifikan terhadap pertumbuhan ekonomi. Temuan ini menunjukkan bahwa sinergi antara pembiayaan eksternal, kinerja ekspor, dan aktivitas investasi domestik berperan penting dalam mendorong laju pertumbuhan ekonomi nasional. Oleh karena itu, kebijakan ekonomi yang mendorong efisiensi penggunaan utang luar negeri, peningkatan daya saing ekspor, serta penciptaan iklim investasi yang kondusif perlu terus dioptimalkan untuk mencapai pembangunan ekonomi yang berkelanjutan.
Pengaruh Destination Image, Perceived Value, dan Experiential Marketing terhadap Revisit Intention pada Budaya Land Tanjung Morawa Lubis, Rasikah Firjatullah; Jannah, Nurul; Nasution, Juliana
Journal of Economics and Management Scienties Volume 7 No. 3, June 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i3.107

Abstract

Riset yang dilaksanakan berikut bermaksud dalam menganalisa pengaruh destination image, perceived value, dan experiential marketing terhadap revisit intention pada pengunjung Taman Wisata Budaya Land Tanjung Morawa. Pendekatan kuantitatif diterapkan dengan metode survei dengan penyebaran kuesioner pada 97 responden yang pernah mengunjungi destinasi tersebut. Teknik analisa yang dipergunakan yakni regresi linear berganda dibantu dengan software SPSS. Temuan penelitian mengindikasi bahwasanya secara individual, ketiga variabel independen yakni destination image, perceived value, serta experiential marketing berpengaruh positif serta signifikan terhadap revisit intention. Selain itu, hasil uji simultan memperjelas bahwasanya ketiga variabel secara bersamaan berpengaruh signifikan terhadap niat berkunjung ulang, dengan nilai koefisien determinasi (R²) senilai 96,2%. Temuan ini mengindikasi bahwasanya untuk meningkatkan revisit intention wisatawan, pengelola destinasi perlu fokus tidak hanya pada citra dan nilai yang dirasakan, tetapi juga pada pengalaman berkesan yang diberikan selama kunjungan. Riset yang dilaksanakan ini diharap bisa menjadikan panduan untuk perkembangan strategi pemasaran destinasi wisata berbasis pengalaman.
Influence of Fees, Religiousness, and Service Quality on Customer Interest in Pawn Products at Kuala Simpang Syafrizal, Muhammad; Rahma, Tri Inda Fadhila; Jannah, Nurul
Tasharruf: Journal Economics and Business of Islam Vol 10, No 1 (2025): JUNE
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v10i1.3655

Abstract

The purpose of the research is to examine the factors that influence customers' desire to utilize the services of PT Pegadaian Syariah Kuala Simpang Branch. This study employs a quantitative methodology and uses SPSS version 23 for statistical data analysis. The number of respondents is 100 individuals, and the population consists of all customers who use pawned items (Rahn) at the designated branch. The results of the study indicate that the interest rate variable has a significance level of 0.000, which is less than 0.05, and a t-value of 5.660, which is greater than the t-table value of 1.660. Additionally, the religiosity variable has a significance level of 0.000 < 0.05, and a t-value of 17.252 > 1.660. Similarly, the t-value for the service quality variable is 13.113 > 1.660 with a significance threshold of 0.000 < 0.05. Furthermore, the F-test results show a significance level of 0.004, which is less than 0.05, and an F-value of 659.149, which is greater than the F-table value of a magnitude of 2.699. This result implies that the null hypothesis (Ho) is rejected and the alternative hypothesis (Ha) is accepted. With an Adjusted R Square score of 95.2%, the model explains 95.2% of customer interest, with additional factors not included in the regression model affecting the remaining 4.8%.
Pengaruh Social Media Marketing Terhadap Purchase Decision Produk Bank Syariah Indonesia: (Studi Pada Mahasiswa Prodi Perbankan Syariah UINSU) Larah, Anggi Dwi; Jannah, Nurul; Yanti, Nursantri
Paradoks : Jurnal Ilmu Ekonomi Vol. 8 No. 3 (2025): May - July
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v8i3.1518

Abstract

Penelitian ini bertujuan untuk menyelidiki dampak Pemasaran Media Sosial (SMM) terhadap pilihan pembelian produk Bank Syariah Indonesia di kalangan mahasiswa yang terdaftar dalam program perbankan Islam di UINSU. Metodologi yang digunakan adalah kuantitatif dan melibatkan pengumpulan data melalui survei yang diberikan kepada 91 mahasiswa yang secara teratur menggunakan produk Bank Syariah Indonesia di media sosial. Investigasi menunjukkan bahwa pemasaran media sosial secara signifikan memengaruhi pilihan pembelian, ditunjukkan oleh nilai koefisien determinasi (R²) sebesar 0,728. Ini menandakan bahwa pemasaran media sosial dapat menjelaskan 72,8% dari variasi dalam pilihan pembelian. Uji-t, dengan tingkat signifikansi 0,000, menghasilkan nilai t terhitung sebesar 15,416, di atas nilai t tabulasi sebesar 1,66216. Hasilnya menunjukkan bahwa elemen yang terkait dengan pemasaran media sosial, termasuk hiburan, keterlibatan, analisis tren, personalisasi, dan promosi dari mulut ke mulut, dapat memengaruhi minat konsumen terhadap barang Bank Syariah Indonesia dan pilihan pembelian mereka. Implikasi praktis dari temuan ini adalah pentingnya mengembangkan konten yang bersifat interaktif, personal, dan terkini, guna meningkatkan kepercayaan serta mendorong tindakan konsumen. Bank juga diharapkan memperkuat elemen entertainment, customization, dan word of mouth di platform media sosial untuk membangun loyalitas dan memperluas jangkauan pasar.
ANALYSIS OF THE DETERMINANTS OF GROWTH OF THE MIDDLE CLASS IN INDONESIA SHARIA ECONOMIC REVIEW Sinambela, Khayriza; Jannah, Nurul; Harahap, Muhammad Ikhsan
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 1 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i1.13532

Abstract

This study aims to examine the key determinants driving the growth of the middle class in Indonesia through the lens of Islamic economics, with particular emphasis on education, Islamic capital market investment, and Islamic bank financing. Employing a quantitative approach, the research utilizes multiple linear regression analysis on time series data spanning from 2021 to 2024, processed using SPSS 25. The findings reveal that all three variables exert a statistically significant and positive impact on middle-class expansion. Education contributes to human capital development and employability; Islamic capital market investment fosters asset accumulation and equitable wealth distribution; and Islamic bank financing enhances access to productive capital, particularly for small-scale entrepreneurs and transitioning lower-income households. Collectively, these factors account for 87.4% of the variance in middle-class growth, underscoring their pivotal role in shaping the Islamic economic ecosystem. The results underscore the imperative to elevate financial literacy, broaden inclusive education, and improve the accessibility of Sharia-compliant financial instruments to accelerate and sustain middle-class advancement. Future research is encouraged to incorporate sociocultural and regional variables—such as urban-rural dynamics, religious practices, and digital financial behavior—to capture more nuanced influences and further validate the resilience of the Islamic economic model in fostering inclusive development
Level of Knowledge and Participation of the Young Generation in Waste Management Ratnawati, Beata; Dellarosa, Luvy; Jannah, Nurul; Paramitadevi, Yudith Vega; Silaban, Intan Roulina; Hidiya, Miesriany; Ridwan, Wonny Ahmad; Budiharto, Ivone Wulandari; Suri, Wiranda Intan; Prasetya, Dimas Ardi; Tunggadewi, Andini Tribuana; Wahdi, Emil; Meliana, Linda; Luthfiyah, Nanda Amirah; Widiawati, Yesi Eka; Natalia, Adelisa
Riwayat: Educational Journal of History and Humanities Vol 7, No 4 (2024): October, Social Issue and Education
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jr.v7i4.41852

Abstract

Waste has become a problem in city/regency. The waste produced originates from daily activities. The study was conducted between June and October. The aim of this research was to analyze the level of knowledge and participation of students as the younger generation in waste management. Data were obtained using questionnaires administered to 177 young participants. The obtained data were descriptively analyzed. The results showed that 87% of the students knew the importance of processing the waste produced so as not to pollute the environment. However, only 32% had processed waste. The processing includes converting organic waste into compost or eco-enzymes.
Enhancing Repurchase Intention Through Customer Satisfaction: the Role of Brand Image and After-Sales Service Jannah, Nurul; Muryati; Survival
Bulletin of Management and Business Vol. 5 No. 2 (2024): October 2024
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis, Universitas Widya Gama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31328/bmb.v5i2.382

Abstract

The skincare industry in Indonesia has experienced rapid growth, marked by increased competition among local and global brands. This study investigates the influence of brand image and after-sales service on repurchase intention, with customer satisfaction as a mediating variable. Using a quantitative explanatory approach, data were collected through questionnaires from 220 consumers of DDBeauty skincare products by PT. Kiara BeautyMed. The analysis was conducted using Partial Least Squares Structural Equation Modeling (PLS-SEM) via SmartPLS 3.0. The results indicate that both brand image and after-sales service significantly influence customer satisfaction but do not directly impact repurchase intention. Customer satisfaction, however, has a strong and significant effect on repurchase intention and fully mediates the relationships between brand image and repurchase intention, as well as between after-sales service and repurchase intention. The coefficient of determination (R²) reveals that the model explains 93.5% of the variance in customer satisfaction and 89.2% in repurchase intention. These findings highlight the critical role of satisfaction as a psychological bridge connecting brand perception and service quality with actual buying behavior. The study contributes to marketing theory by validating the mediating effect of satisfaction and offers practical insights for skincare companies to strengthen branding and service strategies to foster consumer loyalty.
Motivation as a MediatingVariable in the Relationship Between Organizational Culture, Job Satisfaction, and Employee Performance at PT Musam Utjing Hutabarat, Cindy Claudia; Suhairi, Suhairi; Jannah, Nurul
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The plantation industry, such as palm oil, is characterized by demanding, field-based work that demands high levels of physical endurance and discipline. Therefore, work motivation is key to maintaining employee enthusiasm, perseverance, and loyalty to the company. This study applies a quantitative method. According to Sugiyono (2022), the quantitative method is rooted in the positivist paradigm, emphasizing objective measurement and statistical analysis to test hypotheses, which is applied to research specific samples or populations. The result is organizational Culture (X1) significantly influences both Work Motivation (Z) and Job Satisfaction (X2), as evidenced by a very small p-value (0.000). This indicates that a strong organizational culture can increase employee motivation and job satisfaction. On the other hand, Work Motivation (Z) also has a considerable effect on Employee Performance (Y), with a p-value of 0.001. This finding reinforces that high work motivation is closely related to improved company performance. However, the direct relationship between Organizational Culture (X1) and Company Performance (Y) does not show any statistical significance (p-value 0.051), meaning that the impact of organizational culture on performance is indirect and influenced by other variables. Furthermore, Job Satisfaction (X2) does not have a statistically significant effect on Work Motivation(Z) or Company Performance (Y), with a p-value greater than the significance level of 0.05, which implies that in this particular model, job satisfaction does not play a direct role in motivation or performance.
ACADEMIC INTEGRITY IN EFL LEARNING: INSIGHTS FROM AN ISLAMIC HIGHER EDUCATION CONTEXT IN PEKANBARU Jannah, Nurul; Miski, Cut Raudhatul
Journal of English and Arabic Language Teaching Vol 16, No 1 (2025): J/E/A/L/T (June)
Publisher : State Islamic University of Sultan Syarif Kasim Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to explore the forms of academic dishonesty and identify the factors that encourage academic dishonesty behavior among students majoring in English education at an Islamic university in Pekanbaru. This study uses a qualitative approach with a case study design. Participants in this study were sixth-semester students selected through purposive sampling techniques. In data collection, the researcher used closed questionnaires and interviews. The results of the study showed six main forms of academic dishonesty that are often carried out by EFL learning students, namely cheating on exams, plagiarism, outside help, prior cheating, falsification, and lying about academic assignments. These behaviors are driven by three main factors: academic pressure, opportunities to cheat, and rationalization of academic dishonesty. In conclusion, academic cheating behavior still occurs among EFL learner students with the most frequent form of academic dishonesty being falsification caused by several factors such as pressure, opportunity and rationalization. The findings are expected to raise student awareness and serve as a basis for lecturers and institutions to design prevention strategies. Future studies should focus on concrete solutions to prevent academic dishonesty in universities.
Analysis Of Sharia Mortgage Financing In Puri Khazanah Regency Batang Kuis Housing At Btn Syariah In 2021-2024 Shabira, Yusra; Yanti, Nursantri; Jannah, Nurul
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i1.317.1-17

Abstract

This study aims to analyze the effectiveness of subsidized Sharia mortgage financing distribution carried out by BTN Syariah in Puri Khazanah Regency Batang Kuis Housing. Using qualitative descriptive methods, this study identifies and analyzes the experiences and challenges faced by customers in the sharia financing process. This study focuses on a housing complex with 40 units and the research approach through interviews with 10 selected customers, the results of the study indicate that some customers face payment difficulties that lead to bad debts, which are caused by economic instability. The conclusion of this study emphasizes the need for a more effective restructuring strategy and a more sensitive approach to the economic conditions of customers to increase the success of Sharia mortgage financing distribution. Another implication concerns the need for more intensive financial education for low-income communities, so that they understand the responsibilities and risks in mortgage financing, and have mature financial planning before making a decision to borrow. For housing developers, this study emphasizes the importance of working more closely with banks to ensure the sustainability of housing projects and customer satisfaction. Overall, this study shows that the success of the Sharia mortgage financing program depends not only on the financing agreement and structure, but also on the sensitivity of the institution to the dynamics of the community's economy. In addition, these results highlight the importance of developing more flexible and adaptive financing restructuring strategies, such as adjusting tenors or postponing installment payments under certain conditions
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 Amanda Ristriana Pattisinai Amrazi Zakso Andhini, Marliza Andini Tribuana Tunggadewi, Andini Tribuana Andri Soemitra Andrian Syaputra Angin , Silvia Amelia Perangin Aprillia, Wina Aqwa Naser Daulay Ardani, Kori Nur Arfinal, M. Ariani, Winda Ade Arif Rahman Arifin Fauzi Lubis Azizahsekarningrum Azzubair, Muhammad Baehaqi Bahun, Nur Rohma Inayah Barokah, Alfiyani Beata Ratnawati Bi Rahmani, Nur Ahmadi Birahmani, Nur Ahmadi Budi Harianto, Budi Dahlianti, Hervina Daim Harahap Imsar, Rahmat Dalimunthe, Yuli Saputri Daya Negri Wijaya Dedi Efendi Dellarosa, Luvy Dewi Yuliani, Dewi Dharma, Budi Diana ., Diana Didik Tamtomo, Didik 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 Fatchurohman Fathah Dian Sari Fatkhur Rohman Fatmawati, Annisa Firmansyah, Muhammad Iqbaal Gandhi, Gina Sonia Gazali, Moh. Imam Ginoga, Lesia Fatma Gumilar, Teguh Hafsah, Umi - Hairani, Rita Hamdani, M. Fikri Hamid, Nur Hanum, Fadillah Harahap, Ayu Ashara Harahap, Ledis Izzah Harahap, Muhammad Ikhsan Harahap, Nurlaila Harahap, Rahmat Daim Harahap, Satria Mariqom Harahap, Sri Hardianti, Susi Hasibuan, Ahmad Ridwan Hasibuan, Ali Daud Hasibuan, Vera Yunita Hasibuan, Zahra Syahfitri Hasrimy, Nabila Felicia Hendra Harmain Hidiya, Miesriany Husna Rangkuti, Munafiatul Hutabarat, Cindy Claudia Ihsan Nasution, Ahmad Fikri Ihwan Ikhsan Harahap, Muhammad 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 Kartika, Dinda Kartini, Sylvi Aprilia Khairani Putri, Khairani Khairussyifa, Salwa Kharismatul Khasanah Khoiriaturrahmah, Miftah Kholisah, Nur Khotimah Nst, Husnul Kristiana kristiana Kurniadi Kurniadi, Kurniadi La Daiba, Yuniar Larah, Anggi Dwi Lathief Ilhamy Nasution, Muhammad Laylan Syafina Lestari Nasution, Annio Indah Lestari, Annio Indah Liana, Vega Lubis, Mutiara Lubis, Nida Khafia Lubis, Rasikah Firjatullah Lubis, Sofiana Zahara Luis, Muhammad Luthfiyah, Nanda Amirah M. Chaerul Rizky Maliyah, Ningtias Aprili Mamik Indaryani Margaretha Maria Shinta Pratiwi Mawaddah, Nada Meianti, Ardhia Meliana, Linda Mindara, Gema Parasti Miski, Cut Raudhatul Mistriyani, Mistriyani Moch. Saiful Bachri 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, Lathief Ilhamy Nasution, Rafiqa Humaira Natalia, Adelisa Neila Susanti Ningtias, Sinar Ayu Nor Azizah, Wanda Novrian, Ardi Nst, Yeni Rahman Nst, Yenni Samri Juliati NUR HAMID Nur Indah Sari Nurdiana Putri, Ameliya NURHASNAWATI NURHASNAWATI Nursantri Yanti Nurul Anam, Nurul Nurul Inayah Nurwani Nurwani, Nurwani Nurwijayanti Nuryanti, Sundari Desi Oktariza, Dodi Olief Ilmandira Ratu Farisi Pakpahan, Rona Melati Pambudi, Yudha Rello Pane, Dini Azlina Panjaitan, Arnita Septiani Paramita, Nadira Paramitadevi, Yudith Vega Paska, Yesica Apriliana 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 Ritonga, Rizka Sabila Rizqiani, Eni Rizqiya, Annisa Roos Yuliastina Rosyid, Abd. S, Azra Afwani Salsabilla, Salsabilla 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 Sinambela, Khayriza Sindi, Sindi Siregar, Ismu Hadi Siregar, Nur Ainun Sitepu, Rama Dhania Br Siti Aisyah Sitorus, Isnaini Faraz Azis Ilmi Soemanto, RB Sri Wulandari Suggianto, Sugianto Sugiarti, Rini Suhairi Suhairi supriadin supriadin Supriyono, Supriyono - Survival Syafrizal, Muhammad Syahfitri, Mulia Syahwani, Asty Syamsiar, Syamsiar Syamsu Nur, Syamsu Syarifah, Wardatus Tafdila, Tafdila Tandah, M. Rinaldhi Tanjung, Dava Maulana Tanjung, Hafiz Yazid 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 Widyasari, R. A. Hangesti Emi Wijaya Wijaya Wildani, Zakiatul Winta, Mulya Virgonita I Winta, Mulya Virgonita I. Wiranda Intan Suri Yanti, Dina YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yohanes Bahari Yossie Susanti Eka Putri YS, Tazkia Ayu Alharani YUNI, YUNI Yuniarti . Yusra, Yusra Yusrizal Yusrizal Yusrizal Yustina Yustina Zubaidah Amir MZ Zuhrinal M. Nawawi Zulbayu, L.M. Andi Zulfarina, Zulfarina Zulhakim, Zulhakim