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All Journal Gadjah Mada International Journal of Business Islamic Ecomonics Journal Jurnal Manajemen Teori dan Terapan MUSLIM HERITAGE: JURNAL DIALOG ISLAM DENGAN REALITAS Journal of Management and Business Review Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Al Tijarah Jurnal Ecodemica : Jurnal Ekonomi Manajemen dan Bisnis AFRE Accounting Financial Review Jurnal Ekonomi & Keuangan Islam DIJB (Diponegoro International Journal of Business) Ihtifaz: Journal of Islamic Economics, Finance, and Banking Iqtishoduna: Jurnal Ekonomi Islam International Journal of Islamic Business and Economics (IJIBEC) FINANSIA : Jurnal Akuntansi dan Perbankan Syariah El-Barka: Journal of Islamic Economics and Business Indonesian Journal of Halal Research El-kahfi : Journal of Islamic economics Share: Jurnal Ekonomi dan Keuangan Islam CITIZEN: Jurnal Ilmiah Mulitidisiplin Indonesia Al Basirah Indonesian Journal of Islamic Economics and Finance Muslim Heritage Jurnal Pengabdian Masyarakat Bangsa Journal of Indonesian Society Empowerment Proceedings of Femfest International Conference on Economics, Management, and Business Islamic Business and Management Journal (IBMJ) Jurnal Akuntansi dan Keuangan Islam (JAKIs) KIC Shof Journal of Social Impact Proceedings of Femfest International Conference on Economics, Management, and Business International Journal of Islamic Business and Economics (IJIBEC)
Hartomi Maulana
Universitas Darussalam Gontor
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Islamic Food bank Sebagai Solusi Ketidakamanan Pangan Perspektif Maqashid Syariah Jamaluddin Athiyyah Maulana, Hartomi; Royyana Akmalia; Sabila, Muna Ahda
Citizen : Jurnal Ilmiah Multidisiplin Indonesia Vol. 5 No. 2 (2025): CITIZEN: Jurnal Ilmiah Multidisiplin Indonesia
Publisher : DAS Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53866/jimi.v5i2.743

Abstract

Food insecurity caused by poverty is a global issue that requires attention and solutions. In response, food banks, as non-profit organizations coordinating the distribution of surplus food, offer a potential solution to hunger and food insecurity. In practice, food banks have mechanisms and goals similar to Zakat, Infaq, and Sadaqah (ZIS) in Islam. However, in some aspects, food banks have not fully addressed the application of Islamic principles, particularly concerning the halal status of food. Therefore, the concept of an Islamic food bank is needed as an implementation aligned with maqasid shariah principles. Maqasid shariah, which includes the protection of religion, life, intellect, lineage, and wealth, was further developed by Jamaluddin Athiyyah, providing an ethical and legal framework for social activities like food banks. This study aims to identify how food banks can contribute to social welfare through fair and effective food distribution, and how Islamic principles can ensure justice, transparency, and accountability in their management, in line with the maqasid shariah goals according to Jamaluddin Athiyyah's perspective. The analysis evaluates general food bank practices, assesses their alignment with maqasid shariah, and offers recommendations for improving sustainability. This research employs a qualitative approach with a literature review method. The findings show that food banks implemented in accordance with maqasid shariah not only meet food needs but also strengthen social networks, improve the overall quality of life, and provide peace of mind for Muslim communities.
Performance Appraisal of Tourism Sub Sector Companies In Indonesia Sharia Stock Index In the Period Of 2018-2020 Maulana, Hartomi; Hastuti, Ely Windarti; Harahap, Soritua Ahmad Ramdhani; Imari, Iqbal; Salsabella, Oktavira Hanggreanda
El-Barka Journal of Islamic Economics and Business Vol. 5 No. 2 (2022)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v5i2.5117

Abstract

Introduction/Main Objectives: In financial statements, there is some data information needed to assess a company's financial performance. The study aimed to analyze the influence of financial performance assessments using EVA and MVA on abnormal returns of shares in tourism sub-sector companies listed in Indonesia Sharia Stock Index (ISSI) during the period 2018-2020. Background Problems: Although many previous studies have measured financial performance using the EVA and MVA methods, there is still limited use of EVA and MVA methods in tourism sector companies particularly listed in Islamic stock exchange. Novelty: The concept of economic value added (EVA) and market value added (MVA) become an alternative to performance measurement. Research Methods: This research is descriptive quantitative research with secondary data used as data collection technique. Dependent variable is abnormal stock return while independent variables used were EVA and MVA. Data was retrieved from Indonesian stock exchange web and 17 tourism sub-sector companies registered with ISSI during the period 2018-2020. Panel data regression with E-views tool employed as analysis technique. Finding/ Results: The study found that the coefficient sign for the EVA is positive and insignificant, while MVA is significant in affecting abnormal stock return. This indicates increasing in MVA will be causing increasing in abnormal return stock. Simultaneously, EVA & MVA have influence on abnormal stock return of the studied companies in Indonesia. The study suggests that investors can might consider MVA as an important factor in decision before purchasing their potential stock, also consider the importance of MVA impact on abnormal return as the basis of government’s related policy determinant.
Micro, Small and Medium Enterprises Development in The Post COVID 19 Pandemic: Case Study of MSMEs in Indonesia Maulana, Hartomi; Astuti, Rahma Yudi; Ramdani Harahap, Soritua Ahmad; Ari Anggara, Fajar Surya
IKONOMIKA Vol 8, No 1 (2023)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v8i1.15294

Abstract

The regulation of the Ministry of Home Affairs No. 15 of 2021 concerning PPKM had an impact on the operational decline of several important economic sectors including food and beverage, transportation, retail and also the tourism sector. No exception, micro, small and medium enterprises (MSMEs) were also affected. As a result, they have significantly decreased performance of their operational. The objective of this study is to analyses current condition of MSMEs operation in the post COVID 19 crises. A quantitative approach was employed in this study. Around 371 MSME owners were selected as sample of this study. Descriptive analysis with SPSS tools was applied as analysis technique. The results show that there is an impact of COVID 19 on the decline in the performance of MSMEs, particularly Micro and Small businesses. There is a decrease in sales turnover and profit, unavailable or expensive raw materials as well as a reduction in staff or workers. The study suggests the need for capital assistance, relaxation of loan installments and increased sales via online to help continuity of their business in facing COVID19 pandemic.
Identifying Financial Exclusion and Islamic Microfinance as An Alternative to Enhance Financial Inclusion Maulana, Hartomi; Khoirul Umam
International Journal of Islamic Business and Economics (IJIBEC) Vol 1 No 2 (2017): Volume 1 Nomor 2 Tahun 2017
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v1i2.1004

Abstract

Even though the banking industry is growing exponentially, but they are still out of reach from the hardcore poor. The population under poverty remains financially excluded from the mainstream banking facilities. The aim of this paper is to examine the main factors that hinder customers to access financing from mainstream banking in Indonesia province of East Java. The study also attempts to identify the possibility of Islamic microfinance, in this case Baitul Maal Tamwil (BMT) can be used as one of an alternative platform to enhance financial inclusion. In quantitative data, the paper employs primary data with involving a sample of 243 respondents. To explore the micro−entrepreneurs’ criteria of barrier access to finance, an exploratory factor analysis is employed. In qualitative data, a semi−structure interview used to generate information from the respondents. The interview involves seven experts in microfinance including practitioner and academicians. The study reveals that, the religious factor is perceived as the most important factor to be considered as financing barriers factors, then followed by affordability, accessibility, eligibility, and availability factors. The study indicates that Islamic microfinance may be an alternative platform to integrate commercial and social objective in order to enhance financial inclusion.
Factors affecting investment decision in Indonesia: Mediating role of intention to invest Maulana, Hartomi; Ulya, Alfina Zein Syarifa; Syahruddin, Syahruddin; Abadi, M. Kurnia Rahman; Hastuti, Ely Windarti; Harahap, Soritua Ahmad Ramdhani
Jurnal Ekonomi & Keuangan Islam Volume 11 No. 2, July 2025
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/JEKI.vol11.iss2.art6

Abstract

Purpose – This study examines the effects of digital financial literacy and cognitive ability on investment decisions. The study also investigates how the intention to invest mediates the relationship between digital financial literacy, cognitive ability, and Sharia investors’ decisions.Methodology – The methodology used in this study is a quantitative approach with probability sampling techniques of the cluster sampling method. The sample determination was performed using the Slovin formula. As a result, 400 respondents from seven major cities in East Java were obtained. Partial Least Square - Structural Equation Modelling (PLS-SEM) was used as an analysis technique.Findings – The results indicate that digital financial literacy and cognitive ability have a significant effect on investment decisions. Investment intention has been proven to act as a mediating variable linking digital financial literacy and cognitive ability with investment decisions.Implications – It is important for investors to have a good level of digital financial literacy and adequate cognitive abilities to improve investment decision-making. Investment intention is an important factor mediating the influence of both variables on investment decisions.Originality – This study contributes significantly to the comprehension of the factors that influence investment decisions, as well as the contribution of investment intention to the process.
Determinants of Participation in The Utilization of Islamic Microfinance Products: Empirical Studies Using the Theory of Planned Behavior (TPB) Approach in Indonesia Iqbal ‘Imari; Hartomi Maulana; Mohd. Zaidi Bin Md Zabri; Ahmad Suminto
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v6i2.9129

Abstract

Introduction: It is hoped that the presence of Islamic microfinance in Muslim countries will not only pursue each other and increase productivity to increase their assets. However, Islamic microfinance is hoped to be able to provide benefits to the whole community, especially in eradicating poverty. The phenomenon, it becomes the basis for research to measure the determinants of participation in the utilization of Islamic microfinance products using the TPB approach in Indonesia Islamic microfinance. Purpose: This research has a purpose to measure the determinants of participation in the utilization of Islamic microfinance products. The model hypothesized that three factors, attitude, subjective norms and Perceived Behavior Control influence customers participation in the utilization of Islamic microfinance products. Methodology: This research uses a descriptive-quantitative-analytic method or approach with several stages, namely testing hypotheses, measuring data, interpretation and description of results and making conclusions. This research using primary data by questionnaires distributed to customers of Islamic financing products in Islamic microfinance. Data collection method using simple random sampling and the data analysis technique uses Structural Equation Modeling (SEM) with the Smart PLS-3 application. Findings: The research results show that attitude directly has a significant positive effect on intentions in participation behavior in utilizing Islamic microfinance products at Islamic microfinance institutions. Meanwhile, indirectly attitudes are formed and influenced by awareness, compability, complexity and relative advantadge variables. This finding also confirms that subjective norms originating from a person's group and the perceived pressure from a person's reference to carry out targeted behavior can influence the intentions in participation behavior in utilizing Islamic microfinance products at Islamic microfinance institutions. Other findings that perceived behavioral control results is increased, when individuals feel they have more resources and confidence to perform. Perceived behavior control as measured by individual perceptions about the extent to which behavior performance is easy or difficult and considers facilitators and barriers to doing so has a significant effect on the intention to utilizing Islamic microfinance products.
The Maqasid Al-Shariah Model and Its Application in Islamic Banking: An Analysis From Scholars And Academics Perspective Ramdani Harahap, Soritua Ahmad; Maulana, Hartomi; Maemunah, Hayatul; Rahmadani, Muhammad Rizky
El-kahfi | Jurnal Ekonomi Islam Vol 5 No 01 (2024): economics and islamics economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v5i01.229

Abstract

Islamic banking is struggling in maintaining it in the financial industry by adhering to sharia principles. The development of Islamic banking continues to increase, starting from the performance, products, and other services. However, there are some problems in Islamic banking such as the murobahah financing which still supports the approval of Islamic banking and the lack of public understanding of about Islamic finance products. The research method used in this study through a qualitative approach to the form of stages of observation, interviews with practitioners and academics to complete the data and data documentation. To achieve valid results, interviews were conducted using purposive sampling techniques. This research reveals that in general the main purpose of maqāṣid al-sharī‘ah according to the agreement of the scholars is to achieve maslahah. To see the above, the maqāṣid al-sharī‘ah model is one model that can measure the performance of Islamic banking with a conception based on Islamic scholars. The three main points that become aspects of the benchmark are Tahdhib al-Fard (Educating individuals), Iqamah al-`Adl (Establishing justice) and Jalb al-Maslahah (Promoting Welfare).
The Interaction of Green Banking Initiative, ESG Disclosure, and Environmental Performance on Net Income of the Strongest Banks in Asia Bimantara, Andika Rendra; Hastuti, Ely Windarti; Maulana, Hartomi; Rahmanita, Fahmilia
Jurnal Akuntansi dan Keuangan Islam Vol 13, No 2 (2025)
Publisher : INSTITUT AGAMA ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jakis.v13i2.860

Abstract

Today's environmental issues require quick and precise handling. Although it is not the leading actor of natural damage, the banking sector must still practice sustainable development without releasing its function as a profit institution. This study uses a quantitative method with content analysis on the annual report and the Sustainability Report of 10 Islamic banks, which were sampled using purposive sampling as the sampling technique—data analysis techniques using panel data analysis. The results of the study are partially mixed results. Green Banking and environmental performance variables each negatively affect the Net Income variable, with each t value lower than the t table value and a significance value greater than 0.05. In contrast, the effect between the ESG Disclosure variable and the Net Income variable is positive and significant. This results is similar to the simultaneous test results. Simultaneously, the Green Banking, ESG Disclosure, and Environmental Performance variables have a positive and significant effect on the Net Income variable. It can be concluded that if Islamic Banking wants to achieve an optimal level of profitability while in line with sustainable development practices, then Islamic Banking can strive for these three elements simultaneously. That is, carrying out Green Banking practices, disclosing ESG practices, and maximizing environmental performance. Isu lingkungan hidup di masa kini membutuhkan penanganan-penanganan yang cepat dan tepat. Meskipun bukan sebagai aktor utama kerusakan alam, sektor Perbankan tetap harus mempraktikkan Pembangunan berkelanjutan tanpa melepaskan fungsinya sebagai lembaga profit. Penelitian ini menggunakan metode kuantitatif dengan analisis konten pada laporan tahunan dan Sustainability Report sejumlah 10 bank Islam yang menjadi sampel dengan purposive sampling sebagai Teknik sampelnya. Teknik analisis data menggunakan panel data analysis. Hasil penelitian dapat disimpulkan bahwa secara parsial terdapat hasil yang beragam. Variabel Green Banking dan performa lingkungan masing-masing berpengaruh negatif terhadap variabel Net Income dengan masing-masing nilai t hitung lebih rendah dari nilai t tabel serta nilai signifikansi yang lebih besar dari 0.05. Berbeda halnya dengan pengaruh antara variabel Pengungkapan ESG terhadap variabel Net Income yang berpengaruh positif dan signifikan. Hasil ini serupa dengan hasil uji secara simultan. Secara simultan, variabel Green Banking, Pengungkapan ESG, dan Performa Lingkungan berpengaruh positif dan signifikan terhadap variabel Net Income. Sehingga dapat disimpulkan jika Perbankan Islam hendak mencapai Tingkat profitabilitas yang optimal sekaligus sejalan dengan praktik Pembangunan berkelanjutan, maka Perbankan Islam dapat mengupayakan ketiga elemen ini secara bersamaan. Yaitu menjalankan praktik Green Banking, mengungkapkan praktik ESG, serta memaksimalkan performa lingkungannya
PENGEMBANGAN KINERJA PERBANKAN SYARIAH BERDASARKAN MODEL MAQĀṢID AL-SHARĪ‘AH Maulana, Hartomi; Lahuri, Setiawan Bin; Ramdani Harahap, Soritua Ahmad
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 5 No 1 (2022): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v5i01.3683

Abstract

This study aims to explain the performance development in BRISyariah Ponorogo with the maqāṣid al-sharī‘ah model. This study uses a qualitative research methodology with the object of research at BRISyariah Ponorogo. The results of this study indicate that BRISyariah Ponorogo refers to the five aspects described by Al-Ghazali in preservating of religion, soul, mind, progeny and wealth. The application is seen from the commitment of BRISyariah Ponorogo in maintaining the sharia of all products from the culture of usury practice.
Islamic Microfinance Institutions and Non-Performing Financing (NPF): Challenges and Strategic Response Using Analytic Network Process (ANP) Approach Said, Muhammad; Maulana, Hartomi; Yudi Astuti, Rahma
MUSLIM HERITAGE Vol 10 No 2 (2025): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v10i2.11964

Abstract

Non-Performing Financing (NPF) is financing that does not comply with the initial contract schedule, causing disruption to the cash flow of Islamic microfinance institutions. The average Non-Performing Financing (NPF) of Islamic Microfinance Institutions (MFIs) in 2023 reached 13.09%. The urgency of this study reveals that Islamic MFIs or popularly called as Baitul Maal wa Taamwil (BMT) can be an alternative platform to enhance financial inclusion since they reach out even remote areas. However, NPF is often a problem faced by BMT. The purpose of this study is to analyse the issue of NPF in Islamic MFIs in Indonesia. The study also examines strategies to address issue of NPF in Islamic MFIs in Indonesia. To achieve the research objectives, the method used is through a qualitative approach with Analytic Network Process (ANP) used to be as analysis technique. Primary data sources were obtained through forum group discussions (FGDs) and pair-wise questionnaires and interviews with 10 respondents who are considered experts in related fields. The results of this study indicate that based on the ANP results internal management issue as main problem that causes NPF occur, followed by internal human resource issues, debtor/customer issues and regulatory issues. Main priority of the settlement strategy of NPF include strategy of improving internal management by improving internal human resources, then increasing sharia literacy, and government policy. The study suggests as the issues on internal management is in top rank, the Islamic MFIs should improve internal management elements including enhancing accountability and conducting professional administration.     Abstrak Pembiayaan macet (Non-Performing Financing - NPF) merupakan pembiayaan tidak lancar yang tidak sesuai jadwal kontrak awal, menyebabkan terganggunya arus kas lembaga keuangan mikro Syariah.  NPF pada Lembaga Keuangan Mikro Syariah (LKMS) pada tahun 2023 mencapai 13,09%. Urgensi penelitian ini mengungkapkan bahwa BMT dapat sebagai solusi keuangan inklusif dengan penyebarannya hingga daerah terpencil, yang dapat berinteraksi langsung kepada masyarakat pelaku Usaha Mikro Kecil (UMK). Sehingga NPF kerap menjadi sebuah persoalan yang dihadapi BMT. Dengan demikian tujuan penelitian ini adalah untuk menganalisis isu permasalahan penyebab terjadinya NPF pada LKMS di Indonesia dan menganalisis strategi guna meminimalisir kembali terjadinya NPF pada LKMS di Indonesia. Untuk mencapai tujuan penelitian, pendekatan kualitatif dengan Analytical Network Process (ANP) sebagai teknik analisis digunakan dalam studi ini. Metode ini dapat membantu hasil pengambilan keputusan atau sebuah kebijakan dalam mendapatkan alternatif terbaik diantara isu-isu dan strategi dihasilkan dengan menampilkan urutan prioritasnya. Sumber data primer didapatkan melalui forum group discussion (FGD), kuesioner pairwaise comparison, dan interview dengan 10 responden yang dianggap pakar dalam bidang terkait, yang terbagi dari regulator, akademisi dan praktisi. Hasil penelitian ini prioritas utama isu permasalahan NPF pada BMT terjadi pada manajemen internal, diikuti isu SDM internal, isu debitur/nasabah dan isu regulasi. Sedangkan prioritas utama strategi penyelesaiannya adalah peningkatan manajemen internalnya, diikuti peningkatan SDM internal, lalu peningkatan literasi syariah, dan kebijakan pemerintah. Penelitian ini menunjukkan karena isu manajemen internal berada pada peringkat teratas, LKM Islam harus meningkatkan elemen manajemen internal termasuk meningkatkan akuntabilitas dan melakukan administrasi profesional
Co-Authors Abadi, M. Kurnia Rahman Abda Abda Affandi, Muchammad Taufiq Ahmad Efendi Ahmad Setiyono Ahmad Suminto Ahmad Suminto Ahmad, Rusyda Afifah Ali, Badri Anas, M. Khalilurrahman Ari Anggara, Fajar Surya Asmarani, Mutia Bayu Segarahin Bimantara, Andika Rendra Cahya, Irfan Dwi Dhika Amalia Kurniawan Dwi Kurnia Nurunisa Ely Windarti Hastuti, Ely Windarti Farhan Fadhlurrahman Harahap, Soritua Ahmad Ramdani Harahap, Soritua Ahmad Ramdhani Hayatul Maemunah Hudan Ngisa Anshori  Huril A'ini Iqbal Imari Iqbal ‘Imari Khoirul Umam Labolo, Sultan Nanta Setia Dien Lathiefa Rusli M. Shabri Abd. Majid M. Shabri Abd. Majid M. Zaenal Abidin Mentari Mentari Fazrinnia Mohammad Nurfaiz Mauludin Mohammad Zaenal Abidin Mohd Thas Thaker, Mohamed Asmy bin Mohd. Zaidi Bin Md Zabri Mufti Afif MUHAMMAD SAID Muhammad Zuhri Muhtar, Ali Mulyono Jamal Mumtaza, Isyraq Muzaki, Rofi Naufalt Arkyananto Nusa Dewa Harsoyo, Nusa Dewa Raden Muh. Syakur Fathurrahman Rahma Yudi Astuti, Rahma Yudi Rahmadani, Muhammad Rizky Rahmania, Nurul Rahmanita, Fahmilia Ramdani Harahap, Soritua Ahmad Ravie, Aufa Riza Ashari Rizky Rahmadani, Rizky Roihan, Muhammad Royyana Akmalia Sabila, Muna Ahda Salsabella, Oktavira Hanggreanda Sa’id, Roudhoh Hannaaris Setiawan Bin Lahuri Simanjuntak, M. Sahban Soritua Ahmad Ramdani Harahap Soritua Ahmad Ramdani Harahap Soritua Ahmad Ramdani Harahap Soritua Ahmad Ramdani Harahap Syafi’i, M Syahruddin Syahruddin Syamsuri Tarique, Kazi Md Taufani, Mochammad Kharits Ulya, Alfina Zein Syarifa Use Etica Willy Tambayong Yayan Firmansah yogi banar sasongko Yudi Astuti, Rahma Zahroturrosyidah, A’isa Zaki Rosyadi Zarkasyi, M. Ridlo zulfa, indana