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All Journal IJTIHAD Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Dinar: Jurnal Ekonomi dan Keuangan Islam Et-Tijarie: Jurnal Hukum dan Bisnis Syariah JURNAL ILMU PEMERINTAHAN QALAMUNA: Jurnal Pendidikan, Sosial, dan Agama FALASIFA : Jurnal Studi Keislaman qolamuna : Jurnal studi islam Morality :Jurnal Ilmu Hukum Edukasi Islami: Jurnal Pendidikan Islam Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Jurnal Hukum Samudra Keadilan Jesya (Jurnal Ekonomi dan Ekonomi Syariah) AT-TURAS: Jurnal Studi Keislaman DOKTRINA: JOURNAL OF LAW Justisia Ekonomika NUKHBATUL 'ULUM : Jurnal Bidang Kajian Islam SCAFFOLDING: Jurnal Pendidikan Islam dan Multikulturalisme JURNAL ILMIAH ADVOKASI Sakina: Journal of Family Studies Al Huquq : Journal of Indonesian Islamic Economic Law BUSTANUL FUQAHA: Jurnal Bidang Hukum Islam Pamulang Law Review Journal of Islamic Law Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah YURISDIKSI : Jurnal Wacana Hukum dan Sains Al-Hilal: Journal of Islamic Astronomy Milkiyah: Jurnal Hukum Ekonomi Syariah Edukasia: Jurnal Pendidikan dan Pembelajaran Keris: Journal of Community Engagement Ummul Qura : Jurnal Ilmiah Institut Pesantren Sunan Drajat (INSUD) Lamongan Journal of Islamic Economics Lariba Nusantara: Journal Of Law Studies Nuris Journal of Education and Islamic Studies Al-Muzdahir: Jurnal Ekonomi Syariah Fastabiq: Jurnal Studi Islam RechtIdee Mawaddah: Jurnal Hukum Keluarga Islam Jurnal Media Akademik (JMA) Jurnal As-Syar’i: Jurnal Bimbingan & Konseling Keluarga Nomos : Jurnal Penelitian Ilmu Hukum Jurnal Mediasas : Media Ilmu Syari'ah dan Ahwal Al-Syakhsiyyah Pemuliaan Keadilan Journal of Islamic Economic Laws Proceeding UMSurabaya Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan AL-IKTISAB: Journal of Islamic Economic Law Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah
Ahmad Musadad
Universitas Trunojoyo Madura
Religion Arts Humanities Astronomy Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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The Conformity of Al-Bay' bi al-Taqshīṭ Practices on Mobile Phone Credit Through Fintech Akulaku and Kredivo at Babat Counters with Sharia Principles and Regulations in Indonesia Ifatun Nikmah; Holis; Ahmad Musadad; Shofiyun Nahidloh; Imamuddin bin Nahrawi
AL-IKTISAB: Journal of Islamic Economic Law Vol. 10 No. 1 (2026): AL-IKTISAB: Journal of Islamic Economic Law
Publisher : AL-IKTISAB: Journal of Islamic Economic Law

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/al-iktisab.v10i1.4

Abstract

The development of digital financial services has led to the increasingly widespread use of paylater facilities in consumer goods transactions, including mobile phone credit purchases through fintech platforms such as Akulaku and Kredivo, which are widely used at retail counters in Babat. Easy access, rapid processing, and minimal requirements make this practice attractive; however, its transactional structure raises issues related to cost transparency, late payment penalties, and compliance with sharia principles and national regulations. The main issue of this study concerns the form of mobile phone credit practices through these two fintech platforms and the extent to which their cost schemes, contractual arrangements, and penalty mechanisms align with the concept of al-bay’ bi al-taqshīṭ, the provisions of DSN-MUI Fatwas, and POJK No. 10/2022. This study aims to analyze the conformity of actual practices with sharia principles while also assessing their compliance with positive law. The research employs a qualitative method using an empirical juridical approach through the analysis of regulations, fatwas, academic literature, and in-depth interviews with counter employees and consumers using mobile phone credit services. The findings show that the transactions form a triangular scheme in which the counter merely supplies the goods, while all financing calculations, including additional charges and late payment penalties, are fully determined by the fintech system. Most consumers only understand the product price and installment amounts without being informed of the penalty structure, resulting in information asymmetry. The imposition of penalties as company revenue indicates non-compliance with sharia principles, as it closely resembles ribā nasī’ah, and does not fully meet OJK cost transparency standards. This study highlights the need to improve consumer education, contractual transparency, and penalty mechanisms so that paylater practices better reflect principles of justice and comply with sharia law and regulations.
Assessing the effectiveness of digital marketing for Halal tourism using EPIC model at Pesarean Syaikhona Kholil, Bangkalan Faraby, Muhammad Ersya; Syarif, Muhammad; Aguilika, Deykha; Musadad, Ahmad; Pujiati, Tri; Misno , Misno; Mohammad Ibraheem, Mohammad Jazeel
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art19

Abstract

IntroductionHalal tourism offers a range of travel packages designed to accommodate Muslim travelers. Several components support the development of halal tourism, including halal food, halal transportation, halal hotels, halal logistics, halal financial systems, and halal tour packages that comply with sharī‘ah standards. The main problem addressed in this study is the suboptimal use of digital marketing systems as promotional media for halal tourism in Bangkalan, Madura.ObjectivesThis study aims to identify the digital marketing systems employed by the religious tourism destination Pesarean Syaikhona Kholil Bangkalan as a halal tourism site in Indonesia. In addition, the study tries to assess the effectiveness of digital marketing through social media as part of the promotional strategy for this religious destination.MethodThis research adopts a mixed-methods approach. The qualitative component is used to explain the forms of digital marketing implemented by Pesarean Syaikhona Kholil. Meanwhile, the quantitative component is employed to obtain an assessment of the effectiveness of the destination’s digital marketing initiatives. The qualitative analysis uses the EPIC Model (Empathy, Persuasion, Impact, and Communication).ResultsThe findings reveal that the management of Pesarean Syaikhona Kholil Bangkalan has not fully optimized digital marketing practices, resulting in relatively low visitor numbers. Based on the EPIC Model assessment, the average EPIC rate score is 3.955556, in the “effective” category. This indicates that utilizing digital media as a marketing strategy is effective for tourism promotion.ImplicationsThe results provide implications for the application of digital marketing in promoting Pesarean Syaikhona Kholil as one of Indonesia’s halal tourism destinations. There is a need to strengthen digitalization efforts by leveraging social media platforms such as Instagram, TikTok, Facebook, and WhatsApp to reduce conventional promotional costs and expand market reach. Additionally, synergy between the Bangkalan local government, tourism managers, and the surrounding community is crucial to building a shared vision in supporting the development of Pesarean Syaikhona Kholil Bangkalan as a national halal tourism destination.Originality/NoveltyThis study offers new insights into the use of digital marketing as a promotional tool for halal tourism in Bangkalan. The findings contribute to the development of innovative digital marketing strategies aimed at expanding the market reach of halal tourism in Indonesia. Furthermore, the EPIC Model assessment derived from respondents provides a valuable analytical tool for measuring the effectiveness of digital marketing implemented by tourism managers.
Integrating Fiqhiyyah Legal Maxims and Positive Law Principles in the Formation of Indonesia's New National Criminal Code Ahmad Agus Ramdlany; Ahmad Musadad; Hammis Syafaq; Maher Ali Ahmad Al-Khaldi; Saleem Asouli
Nusantara: Journal of Law Studies Vol. 5 No. 1 (2026): Nusantara: Journal of Law Studies
Publisher : PT. Islamic Research Publiser

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66325/nusantaralaw.v5i1.156

Abstract

Although Indonesia is not formally constituted as an Islamic state, Islamic legal values have significantly influenced the development of its national legal system, particularly in the formation of modern legislation. This study aims to examine the integration of fiqhiyyah legal maxims into the foundational principles of Law No. 1 of 2023 concerning Indonesia's New National Criminal Code (KUHP). Employing a qualitative approach grounded in normative juridical methods, this research draws upon primary legal documents, classical fiqh literature, and contemporary legal scholarship. Data were collected through a systematic literature review and analysed using conceptual and statutory approaches to identify patterns of normative convergence and doctrinal alignment. The findings indicate that at least eight fiqhiyyah legal maxims are substantively embedded within the core principles of the KUHP. Notably, the maxim la jarimata wa la 'uqubata illa bi al-nass corresponds to the principle of legality as stipulated in Articles 1(1) and 2(1). The principle of non-retroactivity is reflected in la raj'iyyah fi al-tashri' al-jina'i, while the doctrine of limited retroactivity aligns with inna al-tashri' al-jina'i yajuzu an yakuna lahu atharun raji'un as reflected in Article 3(1). Furthermore, the maxim inna al-shari'ah al-islamiyyah tutabbaqu' ala kulli jarimah underpins the principles of active and passive nationality in Articles 5 and 8. This study contributes to the discourse on legal pluralism by demonstrating that Indonesia's criminal law reform embodies a substantive harmonisation between positive Law and Islamic legal reasoning. It highlights the epistemological relevance of fiqhiyyah maxims as a normative bridge in shaping a responsive, adaptive, and contextually grounded modern legal system in a pluralistic society.
Hak-Hak yang Memberi Jaminan dalam Prespektif Hukum Positif dan Hukum Islam: Analisis Perbandingan Zeinaful Jannah; Siti Solifah; Akmalurrozi Akmalurrozi; Ahmad Musadad; Yusuf Maulana Imron
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol. 10 No. 2 (2025): Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v10i2.11096

Abstract

This article aims to analyze and compare the concept of rights that provide guarantees from the perspectives of positive law and Islamic law, as well as to examine the potential for integrating both within the framework of a plural national legal system. The methodology used is qualitative library research with a normative approach, utilizing primary sources such as statutory regulations and classical and contemporary Islamic jurisprudence literature, along with secondary sources including scholarly journals and books published within the last ten years. The results of the study indicate that both legal systems equally recognize the importance of guarantee rights as instruments of justice and legal certainty, albeit through different approaches: positive law emphasizes juridical-administrative aspects, while Islamic law highlights moral values and social responsibility. Although there is potential for harmonious integration, implementation still faces structural and cultural challenges, thereby necessitating institutional reform and capacity building within society to realize a fair and adaptive legal system in the context of national legal pluralism.
Asas Publisitas dalam Hukum Jaminan; Telaah Kritis Terhadap Perspektifitas Perlindungan Kreditur Nur Lailah; Nafisatus Saidah; Yoeand Nadziifah Shafwah; Muhammad Nazzamuzzaman; Ahmad Musadad
Al-Muamalat Jurnal Hukum dan Ekonomi Syariah Vol. 10 No. 2 (2025): Al-Muamalat: Jurnal Hukum dan Ekonomi Syari'ah
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/muamalat.v10i2.11098

Abstract

Ideally, the publicity principle in security law functions as a transparency instrument to provide legal certainty and maximum protection for creditors over secured objects. However, in practice, this principle often faces distortions, particularly in fiduciary guarantees that are not registered, leading to legal uncertainty and weakening the creditor’s position in the event of a dispute. This study aims to critically examine the effectiveness of the publicity principle in protecting creditors’ interests within Indonesia’s security law framework. The research method employed is a literature study with a qualitative-descriptive approach, relying on primary sources such as legislation and secondary sources including legal literature. The findings indicate that the implementation of the publicity principle has not been fully effective in ensuring legal certainty for creditors, primarily due to weak enforcement of registration obligations and the absence of strict sanctions for violations. Therefore, a reformulation of the legal protection mechanism is necessary to better respond to creditors' interests.
Forced Selling di Kampung Inggris Pare: Uji Keabsahan Akad Berbasis Prinsip An Tarāḍin Nazwa Az Zahra; Shofiyun Nahidloh; mohammad Ali Hisyam; Ahmad Musadad
Jesya Vol 9 No 2 (2026): ARTICLES : RESEARCH JUNI 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i2.2706

Abstract

Praktik forced selling oleh pedagang lokal di Kampung Inggris Pare kawasan dengan lebih dari 250 lembaga kursus dan mobilitas konsumen yang sangat tinggi menjadi persoalan muamalah yang belum banyak dikaji secara normatif. Fenomena ini ditandai oleh penjual yang secara aktif memaksa peserta kursus membeli produk, seperti alat tulis, melalui tekanan verbal, psikologis, maupun pengikatan situasional, sehingga pembeli tidak memiliki ruang yang cukup untuk menolak secara bebas. Kajian terdahulu tentang prinsip an tarāḍin mayoritas berfokus pada jual beli daring dan akad kerja sama produksi, sehingga belum menjangkau praktik penjualan paksa di ruang ekonomi lokal inilah celah yang diisi penelitian ini. Penelitian menggunakan pendekatan kualitatif empiris-normatif dengan data primer yang diperoleh melalui observasi lapangan dan wawancara terhadap pelaku usaha serta konsumen (peserta kursus) di Kampung Inggris Pare, Kabupaten Kediri, tahun 2026. Hasil penelitian mengidentifikasi tiga bentuk forced selling yang terbukti melanggar prinsip an tarāḍin: (1) tekanan verbal berulang hingga pembeli menyerah karena kelelahan, (2) tekanan psikologis melalui pemanfaatan rasa sungkan dan penempatan barang di tangan pembeli tanpa persetujuan, serta (3) pengikatan situasional yang menghilangkan ruang penolakan secara sosial. Sebaliknya, transaksi yang berlangsung secara terbuka dan tanpa tekanan dinyatakan sah menurut prinsip an tarāḍin. Kontribusi penelitian ini adalah mengoperasionalkan prinsip an tarāḍin sebagai instrumen uji normatif yang konkret untuk membedakan transaksi yang sah dari yang cacat akad, berdasarkan kualitas kerelaan bukan sekadar ada atau tidaknya persetujuan formal
Legal Protection of Minority Shareholders in Good Corporate Governance at Bank Syariah Indonesia Nur Rodiyah; Rudi Hermawan; Ahmad Musadad
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 11 No. 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/p7j7vj12

Abstract

This study examines the legal protection of minority shareholders at Bank Syariah Indonesia (BSI) and evaluates the implementation of Good Corporate Governance (GCG) in ensuring fair, transparent, and Sharia-compliant corporate governance. The study employs a normative-empirical legal approach by analysing Law Number 40 of 2007 concerning Limited Liability Companies, Law Number 21 of 2008 concerning Islamic Banking, OJK regulations, GCG principles, and relevant legal literature, supported by observation and interviews at BSI Bangkalan Branch. The findings show that minority shareholder protection has been normatively recognized through several concrete rights, including the right to obtain corporate information, attend and vote in the General Meeting of Shareholders, file objections, initiate legal action, request company audits, and exercise appraisal rights when corporate actions are detrimental. However, the implementation of these rights remains suboptimal due to the dominance of majority shareholders under the “one share one vote” mechanism, limited access to strategic information, and the insufficient effectiveness of Independent Commissioners, supervisory committees, and the Sharia Supervisory Board. From a Sharia law perspective, GCG at BSI should not be understood merely as formal regulatory compliance, but as an integrated framework combining OJK regulations, corporate governance mechanisms, and Islamic values such as justice, trustworthiness, transparency, accountability, and protection of wealth. This study recommends strengthening regulatory enforcement, information disclosure, minority shareholder participation, and Sharia-based supervision to create a more equitable and accountable Islamic banking governance system.
PERAN MAQASID SYARIAH DALAM MEWUJUDKAN KEUANGAN INKLUSIF: STUDI PEMBIAYAAN MIKRO PADA BANK MEKAR SYARIAH DI BURNEH, BANGKALAN Esa Nurlaili; Rudi Hermawan; Ahmad Musadad; Agustina Kumala Dewi Sholihah
FASTABIQ: JURNAL STUDI ISLAM Vol. 7 No. 1 (2026): FASTABIQ: JURNAL STUDI ISLAM
Publisher : Universitas Muhammadiyah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47281/fas.v7i1.283

Abstract

Inclusive finance is a national and global strategic agenda to increase access to financial services for the community that has not been served, especially micro business actors. In the context of sharia business law, maqashid sharia becomes a normative framework that can direct financial practices to not only be profit-oriented, but also ensure justice, blessings, and sustainability. This article aims to analyze the role of sharia maqashid in realizing inclusive finance through a case study of microfinance at Bank Mekar Syariah Burneh. The research uses a qualitative approach with case study methods through in-depth interviews, observations, and document analysis, which is then processed with Miles & Huberman data analysis techniques and source triangulation. The results of the study show that the implementation of maqashid sharia is reflected in the financing orientation that emphasizes the principles of justice, property protection (hifdz al-mal), improving the quality of life, and the sustainability of customer businesses. The sharia microfinance strategy has been proven to be able to expand access to finance, increase literacy, and strengthen the economic empowerment of small communities. This study confirms that the integration of sharia maqashid with inclusive financial indicators not only strengthens the sharia business legal literature, but also offers a microfinance model that can be replicated by other sharia financial institutions in Indonesia.
DINAMIKA PENGGUNAAN RESI GUDANG SEBAGAI JAMINAN KREDIT PERBANKAN : ANALISIS TERHADAP FAKTOR PENGHAMBAT DAN SOLUSINYA Zubaidil Akbar Ubay; Nur Hayani Nur; Sherly Dwi Lestari sherly; Ahmad Musadad
Jurnal Hukum Samudra Keadilan Vol 20 No 2 (2025): Jurnal Hukum Samudra Keadilan
Publisher : Fakultas Hukum, Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jhsk.v20i2.11223

Abstract

Resi gudang merupakan instrumen keuangan yang dapat dijadikan agunan pinjaman perbankan, khususnya bagi pelaku usaha di sektor pertanian dan perkebunan. Meskipun memiliki potensi besar dalam meningkatkan akses pembiayaan, implementasinya masih menghadapi berbagai kendala. Faktor penghambat utama antara lain kurangnya sosialisasi dan pemahaman pelaku usaha mengenai manfaat resi gudang, keterbatasan infrastruktur penyimpanan, serta rendahnya kepercayaan perbankan terhadap instrumen ini sebagai jaminan yang likuid dan aman. Selain itu, ketidakseimbangan antara nilai agunan dengan jumlah pinjaman serta risiko volatilitas harga komoditas membuat perbankan semakin selektif dalam menerima resi gudang. Belum adanya regulasi yang komprehensif juga menjadi tantangan dalam meningkatkan penerimaan sistem ini di sektor perbankan. Penelitian ini menggunakan pendekatan kualitatif dengan analisis deskriptif-analitis terhadap regulasi dan implementasi resi gudang dalam sistem pembiayaan perbankan. Hasil penelitian menunjukkan bahwa untuk meningkatkan pemanfaatan resi gudang sebagai instrumen penjaminan kredit, diperlukan peningkatan sosialisasi dan edukasi kepada pelaku usaha dan perbankan mengenai manfaat dan mekanismenya, penguatan regulasi dan pengawasan, serta peningkatan infrastruktur dan standarisasi sistem penyimpanan. Digitalisasi resi gudang juga dinilai sebagai langkah strategis dalam meningkatkan transparansi dan efisiensi transaksi. Dengan penerapan solusi tersebut, resi gudang berpotensi dimanfaatkan secara lebih optimal untuk mendukung pertumbuhan ekonomi, khususnya di sektor pertanian dan usaha kecil menengah yang membutuhkan akses pembiayaan yang lebih luas.
Co-Authors Abd. Rosid Ach. Iskandar Daul Kurnain Adib Mohammad Zahruddin Adiyono Afaful Ummah Agustina Kumala Dewi Sholihah Ahmad Agus Ramdlany Ainun Syarifah Ainur Rohmah Akmalurrozi Akmalurrozi Alifah, Wardiati Amin, Sodiqul Andianita Nur Ilahiyah Anis Wahdati Anisatur Rohmah Anisatur Rohmah Anwar, Moh. Khoirul Ar-Rosyida, Haizah Arofa Asisah, Siti Nur Asisah Asmoi, Asmoi Azzahra, Nazwa Baihaqi Baihaqi barok, lana cita devi, adinda rida Dewi Masitoh Deykha Aguilika Dian Agustin Dwi Saputro, Sigit Esa Nurlaili Esa Nurlaili Eva Novia Fadhilah, Aula Nisa'ul Fajar Fajar Fajar Fauzi, Alfa Zaidanil Fazil Mubaarokah Fenni Rahmawati Fina Ainun Jazilah Galuh Widitya Qomaro Hammam, Hammam Hammis Syafaq Hasib Arista Hatta, Moh. Holis Holis Holis Holis Holis, Holis Husni Mubarok Ianatus Sholeha Ibnu Soleh Al Mubarok, Muhamad Ifatun Nikmah Imamuddin bin Nahrawi Jannah, Fina Zharotul Khasanah, Maulidatul Khazin, A Mufti Khazin, A. Mufti Khoiril Anam, Khoiril Khoirun Nasik KHOLIFAH Kumala DS, Agustina Kurniawan, Rangga Fajar M. Faiz Nashrullah Maher Ali Ahmad Al-Khaldi MAIMUNA Mamay Nilam Sari Marluwi, Marluwi Misno , Misno MOCHAMAD SYAIFUDIN Mochamad Syaifudin, Mochamad Moh Basri Moh Karim Moh. Hipni Mohamad Ali Hisyam Mohammad Ibraheem, Mohammad Jazeel Mufidah, Imroatin Muhammad Ersya Faraby Muhammad Fajar Muhammad Nazzamuzzaman Muhammad Solikhudin, Muhammad Muhammad Syarif, Muhammad Mustaniroh Mustaniroh, Mustaniroh Muttaqin Choiri Nafisatus Saidah Nahidloh, Shofiyun Naila Atiatul Ulya Nazwa Az Zahra Nia Amelia Noor Azizah, Auli Fisty Nur Hayani Nur Nur Lailah Nur Rodiyah Nur Sholikhah, Siti Nur Zaidah Nursyafa’ah, Ati' Nuzulul Unsiyah Prasetya, Rizky Eka Pujiati , Tri Pujiati, Tri Raharjo, Jovixa Zachmazzick Satrio Ramdlany, Ahmad Agus Rasiman, Iman Risa Umami Rodiyah, Nur ROSYADI ZA, DEDE RR. Ella Evrita Hestiandari Rudi Hermawan Rudi Hermawan Rudi Hermawan Safiqoh, Lailatus Saleem Asouli Septiaji, Satriya Ardhi Dwi Setiawan, Firman Sherly Dwi Lestari sherly Shofiyun Nahidloh Sibawaihi Sibawaihi Simun, Mahtumridho Ghufron bin Siti Rohmatul Ilahiya Siti Solifah Sukamto, Ika Sumiyarsi Suris, Nabila Syamsi, Achmad Badarus Syamsi, Ahmad Badarus Syamsuri Taufiqur Rahman Titik TriwulanTutik Tri Pujiati Tri Pujiati Vramo, Bagas Novanda Waradatun Nafi’ah Wasilul Arham Widiana, Sri Yoeand Nadziifah Shafwah Yusuf Maulana Imron Zahro, Umi Indasyah Zeinaful Jannah Zubaidil Akbar Ubay