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All Journal JSI: Jurnal Sistem Informasi (E-Journal) Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Riset Mahasiswa Akuntansi (JRMA) Assets : Jurnal Ekonomi, Manajemen dan Akuntansi Laa Maisyir Jurnal Ekonomi Islam Jurnal Minds: Manajemen Ide dan Inspirasi JSEH (Jurnal Sosial Ekonomi dan Humaniora) Al-Muzara'ah International Journal of Economics Management and Social Science Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah SENTRALISASI YUME : Journal of Management Jurnal Ilmiah Edunomika (JIE) Jurnal Informasi dan Teknologi Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) Accounting Profession Journal (APAJI) Jurnal Ilmu Manajemen Profitability Jurnal Ilmiah Akuntansi Peradaban Tangible Journal Economics and Digital Business Review Shar-E: Jurnal Kajian Ekonomi Hukum Syariah Al asma : Journal of Islamic Education Jurnal Ar-Ribh INVOICE : JURNAL ILMU AKUNTANSI JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Islamic Accounting and Finance Review Jurnal Multidisiplin Dehasen (MUDE) Jurnal Akuntansi dan Keuangan Kunuz: Journal of Islamic Banking and Finance Robust: Research of Business and Economics Studies Journal of Finance and Business Digital (JFBD) Abdimas Indonesian Journal Malcom: Indonesian Journal of Machine Learning and Computer Science Accountia Journal (Accounting, Trusted, Inspiring and Authentic Journal) QISTINA: Jurnal Multidisiplin Indonesia Aurelia: Jurnal Penelitian dan Pengabdian Masyarakat Indonesia Maqrizi : Journal of Economics and Islamic Economics Innovative: Journal Of Social Science Research West Science Business and Management West Science Journal Economic and Entrepreneurship Jurnal Ekonomi dan Kewirausahaan West Science West Science Interdisciplinary Studies Ekalaya : Jurnal Ekonomi Akuntansi Al Rikaz : Jurnal Ekonomi Syariah AMMA : Jurnal Pengabdian Masyarakat West Science Interdisciplinary Studies Income Journal: Accounting, Management and Economic Research Islamic Banking and Finance Phinisi Applied Accounting Journal Journal of Innovative and Creativity Jurnal Intelek Dan Cendikiawan Nusantara Advances in Applied Accounting Research Harmony Philosophy: International Journal of Islamic Religious Studies and Sharia JPS (Jurnal Perbankan Syariah) Dhana Atestasi : Jurnal Ilmiah Akuntansi Balance: Jurnal Ekonomi Jurnal Mappesona Dhana HISAB: Jurnal Akuntansi Lembaga Keuangan Syariah Sciences du Nord Economics and Business Indonesian Journal of Taxation and Accounting Journal of Applied Taxation and Policy GoodWill Journal of Economics, Management, and Accounting Journal Markcount Finance
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Kajian Penyusunan Rencana Kerja Dan Anggaran Dalam Bingkai Maqashid Syariah (Studi Kasus Uin Alauddin Makassar) Istiqamah Maggu; Jamaluddin Majid; Lince Bulutoding; Azizah Saban
YUME : Journal of Management Vol 9, No 2 (2026)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yume.v9i2.11181

Abstract

Penyusunan Rencana Kerja dan Anggaran (RKA) merupakan instrumen strategis dalam tata kelola keuangan perguruan tinggi, khususnya pada institusi pendidikan Islam yang memiliki tanggung jawab moral dan sosial dalam mewujudkan kemaslahatan. Namun, praktik penyusunan anggaran pada banyak lembaga pendidikan Islam masih cenderung berorientasi administratif dan teknokratis, sehingga nilai-nilai maqashid syariah belum terintegrasi secara substantif dalam proses perencanaan dan evaluasi anggaran. Penelitian ini bertujuan menganalisis penyusunan RKA di UIN Alauddin Makassar dalam perspektif maqashid syariah, khususnya terkait integrasi prinsip hifz al-mal, hifz al-‘aql, hifz al-nafs, hifz al-nasl, dan hifz al-din. Penelitian menggunakan pendekatan kualitatif deskriptif melalui analisis dokumen regulasi, yaitu PMK 107 Tahun 2024 dan SOP penyusunan RKA UIN Alauddin Makassar, serta kajian literatur tata kelola dan maqashid syariah. Hasil penelitian menunjukkan bahwa penyusunan RKA telah memenuhi aspek kepatuhan regulatif dan akuntabilitas administratif, namun integrasi maqashid syariah masih bersifat implisit dan belum dijadikan indikator eksplisit dalam penetapan prioritas dan evaluasi anggaran. Oleh karena itu, penelitian ini merekomendasikan penguatan integrasi maqashid syariah dalam penyusunan RKA agar anggaran patuh secara prosedur dan  menghasilkan kemaslahatan substantif bagi civitas akademika dan keberlanjutan institusi.
Penerapan Fatwa DSN-MUI Dalam Lembaga Keuangan Syariah di Era Modern Sulaeman Sulaeman; Andi Wawo; Jamaluddin Majid
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 3 No. 03 (2026): JUNI - JULI 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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

Abstract

Perkembangan lembaga keuangan syariah di Indonesia mengalami peningkatan yang signifikan seiring meningkatnya kebutuhan masyarakat terhadap sistem keuangan yang sesuai dengan prinsip-prinsip syariah. Dalam operasionalnya, lembaga keuangan syariah berpedoman pada fatwa yang dikeluarkan oleh Dewan Syariah Nasional–Majelis Ulama Indonesia (DSN-MUI). Fatwa tersebut menjadi dasar dalam penyusunan akad, pengembangan produk, serta pengawasan terhadap kepatuhan syariah (sharia compliance). Penelitian ini bertujuan untuk menganalisis penerapan fatwa DSN-MUI dalam lembaga keuangan syariah di era modern serta mengidentifikasi tantangan yang dihadapi dalam implementasinya. Penelitian menggunakan metode studi kepustakaan (library research) dengan pendekatan deskriptif kualitatif. Hasil penelitian menunjukkan bahwa fatwa DSN-MUI telah menjadi landasan utama dalam operasional bank syariah, asuransi syariah, pegadaian syariah, pasar modal syariah, dan financial technology (fintech) syariah. Namun demikian, perkembangan teknologi digital, kompleksitas transaksi keuangan, dan rendahnya literasi masyarakat menjadi tantangan yang memerlukan pembaruan fatwa dan penguatan pengawasan syariah
Implementation Of An-Nubuwwah Values In Marketing Strategies To Increase Consumer Buying Interest (Case Study Of Arafah Cake Shop In Gowa Regency) Rahmaniar; Jamaluddin Majid; Mustakim Muchlis
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.8871

Abstract

This research aims to analyze and examine (1) the implementation of An-Nubuwwah (prophetic) values in the marketing strategy of Arafah Cake Shop to increase consumer buying interest, and (2) the impact of implementing An-Nubuwwah values on consumer buying interest. JThe type of research used is descriptive qualitative.This research is a field study and does not use statistical data. Data were obtained directly from the field through observation, in-depth interviews (with the store owner, two employees, and two loyal customers), and document analysis. Data analysis was conducted through data reduction, data presentation, and conclusion drawing, with data validity tested using source and technique triangulation techniques.The application of An-Nubuwwah values (Shiddiq, Amanah, Tablīgh, Faṭonah) in the marketing strategy of Arafah Cake Shop has a significant positive impact on consumer buying interestThis value has successfully built a solid "Trust Capital," where trust driven by consistent product quality (Shiddiq) and fair pricing (Amanah) serves as a Unique Selling Proposition (USP). Consequently, the store achieves long-term loyalty and consistent, ethical repeat purchases. Theoretically, this study shows that the values of An-Nubuwwah (especially Shiddiq and Amanah) are key predictive factors that shape long-term customer loyalty, beyond conventional discount strategies.Practically, business actors (MSMEs) are advised to focus on internalizing ethics and moral consistency to build "Trust Capital," as this has been proven effective in creating sustainable, morally-based competitive advantages.
Management Accounting Strategy in Decision Making to Achieve Good Governance Hiras Pasaribu; Linda Lidyawati; Edison Sihombing; Jamaluddin Majid
Dhana Vol. 2 No. 1 (2025): DHANA-MARCH
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/xhdb8f13

Abstract

This study aims to explore the contribution of management accounting strategies in supporting rational and accountable decision-making in order to realize the principles of good governance. Through the Systematic Literature Review (SLR) approach, this study systematically and comprehensively examines various relevant scientific literature, in order to identify strategies, patterns, and relationships between management accounting and good governance practices. The SLR process was carried out following the PRISMA flow, including formulating research questions, determining inclusion and exclusion criteria, and screening articles from reputable scientific databases such as Scopus, Google Scholar, ScienceDirect, ProQuest, and Garuda. The results of the study indicate that management accounting strategies, through tools such as budgeting, variance analysis, and cost-benefit analysis, play an important role in creating an efficient, data-based, and documented decision-making system. In addition, the use of information technology such as ERP, e-budgeting, and e-performance strengthens data integration, accelerates reporting, and increases transparency and accountability. This study also emphasizes the importance of increasing human resource capacity and internal policies that support the optimal use of accounting information. Thus, management accounting strategy is not only a technical tool, but also a strategic foundation in building professional, transparent and sustainable organizational governance
The Implementation of Halal Tourism Ecosystem in Bantimurung as Tourism Destination Safri Haliding; Jamaluddin Majid
Economics and Digital Business Review Vol. 5 No. 1 (2024)
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v5i1.824

Abstract

Bantimurung, as one of the most beautiful travel destinations in South Sulawesi, faces the challenge of becoming one of the halal tourism destinations in Maros South Sulawesi. The purpose of this research is to discover the halal tourism ecosystem model of Bantimurung as a tourist destination in Maros and start implementing it. This study used a descriptive method. Researchers studied the implementation of a halal tourism ecosystem model in Bantimurung National Park, Bulusaraung, Maros as a tourist destination by examining the variables of the halal tourism ecosystem. It consisted of four indicators. They are targeted products, government support, human resources, and infrastructure. Main data are interviews with Bantimurung Tourism Park Management (Local Government Tourism Board), tourism businessmen dealing with halal certification, tourism enlightenment community (Masata Maros), Indonesia Ulama Chapter Maros, Regional Tourism Promotion Board Maros (BPPD Maros) obtained through correspondence. Data collection tools are checklists and literature surveys to collect secondary data. The results show that the full availability of halal tourism destination products, including the availability of halal attractions, facilities, accessibility, programs and packages. However, aspects of government support need to increase the support to Bantimurung as a halal tourism destination. Based on the human capital indicator, it is believed that some indicators of human capital that understand tourism need to be increased. In addition, indicators of infrastructure for R&D were sub-optimally provided.
The Influence of Facilities and Infrastructure Management and Student Discipline on the Quality of the Learning Environment for Public High School Students in Indonesia Jamaluddin Majid; Agus Setiyawan
West Science Interdisciplinary Studies Vol. 3 No. 11 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i11.2398

Abstract

This study examines the influence of facility and infrastructure management and student discipline on the quality of the learning environment for public high school students in Indonesia. Using a quantitative approach, data were collected from 250 students via a structured questionnaire measured on a 5-point Likert scale. Data analysis was conducted using SPSS version 25, including descriptive statistics and multiple linear regression. The results indicate that both facility and infrastructure management (β = 0.435, p < 0.001) and student discipline (β = 0.389, p < 0.001) have a significant positive effect on the quality of the learning environment. The regression model explains 56% of the variance in the dependent variable. The findings suggest that well-maintained school facilities and disciplined student behavior are essential for creating a conducive learning environment, highlighting the need for holistic strategies by school administrators and policymakers.
Bridging Tasawwuf and Maqāṣid al-Sharīʿah: An Ethical Foundation for Muslim Social Welfare in Contemporary Societies Jimmy Malintang; Jamaluddin Majid
Harmony Philosophy: International Journal of Islamic Religious Studies and Sharia Vol. 2 No. 2 (2025): May: Harmony Philosophy: International Journal of Islamic Religious Studies and
Publisher : International Forum of Researchers and Lecturers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70062/harmonyphilosophy.v2i2.329

Abstract

This study explores the integration of Tasawwuf (Islamic mysticism) with Maqāṣid al-Sharīʿah (objectives of Islamic law) to propose a more ethical and effective social welfare framework. The research emphasizes the importance of combining the spiritual dimensions of Tasawwuf, such as Ihsan (excellence) and ʿAdl (justice), with the legal and ethical framework of Maqāṣid al-Sharīʿah, which seeks to preserve essential human interests such as religion, life, intellect, progeny, and wealth. This integrated approach is positioned as a comprehensive model for social welfare that addresses not only material needs but also promotes spiritual growth and ethical conduct. By blending these two frameworks, the study proposes a holistic view of social welfare that fosters empathy, justice, and social care. The findings highlight that Tasawwuf contributes to the ethical application of Maqāṣid al-Sharīʿah, enhancing social responsibility and promoting greater community cohesion and solidarity. The study also discusses the practical implications of this integration in contemporary Muslim societies, including its potential to reshape existing welfare programs. Recommendations for future research and policy development emphasize the need for further exploration of this integrated approach in Islamic finance, Takaful, and Zakat, as well as the creation of frameworks that balance legal compliance with ethical and spiritual principles. The results suggest that incorporating Tasawwuf alongside Maqāṣid al-Sharīʿah can significantly improve the ethical foundation of social welfare programs, fostering a more just and compassionate society.
The Influence of Facilities and Infrastructure Management and Student Discipline on the Quality of the Learning Environment for Public High School Students in Indonesia Jamaluddin Majid; Agus Setiyawan
West Science Interdisciplinary Studies Vol. 3 No. 11 (2025): West Science Interdisciplinary Studies
Publisher : Westscience Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58812/wsis.v3i11.2398

Abstract

This study examines the influence of facility and infrastructure management and student discipline on the quality of the learning environment for public high school students in Indonesia. Using a quantitative approach, data were collected from 250 students via a structured questionnaire measured on a 5-point Likert scale. Data analysis was conducted using SPSS version 25, including descriptive statistics and multiple linear regression. The results indicate that both facility and infrastructure management (β = 0.435, p < 0.001) and student discipline (β = 0.389, p < 0.001) have a significant positive effect on the quality of the learning environment. The regression model explains 56% of the variance in the dependent variable. The findings suggest that well-maintained school facilities and disciplined student behavior are essential for creating a conducive learning environment, highlighting the need for holistic strategies by school administrators and policymakers.
Comparative Analysis of Financial Management Models in Developed and Developing Countries Atik Andhayani; Agus Zainul Arifin; Baihaqi Baihaqi; Jamaluddin Majid; Fahrudin Fahrudin
Journal Markcount Finance Vol. 2 No. 2 (2024)
Publisher : Yayasan Adra Karima Hubbi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70177/jmf.v2i2.1284

Abstract

Given the fundamental differences in economic structure, fiscal policy, and financial regulation between developed and developing countries, research on financial management models in both countries is very important. The aim of this research is to study and compare financial management models in developed and developing countries. Specific objectives include determining the main components of financial management models used in developed and developing countries, evaluating the factors that influence financial management performance in both groups of countries, evaluating how these different models impact economic stability and economic growth, and providing appropriate policy recommendations. can be applied to improve state financial management. This research uses both qualitative and quantitative approaches. Qualitative data was obtained through in-depth literature research on the theory and practice of financial management in developed and developing countries, and quantitative data was obtained through secondary data analysis from reports of international financial institutions, state financial reports and economic statistics. The effectiveness of financial management is strongly influenced by variables such as political stability, level of corruption, and institutional capacity. Developing countries face problems in terms of market credibility and trust, while developed countries have strong regulatory frameworks and easier access to international financial markets. This study finds that financial management models in developed and developing countries differ significantly, and that various economic, political and institutional components influence these differences. Countries that have better financial structures and more consistent policies tend to be better at managing their finances.
An Islamic Economic Perspective on the Influence of Perceived Ease of Use and Perceived Usefulness on QRIS Usage Decisions Through Attitude Toward Using as an Intervening Variable: Evidence from MSMEs in Gowa Regency Azmi Yusriyah Naurah; Jamaluddin Majid; Sudirman
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 3 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i3.11246

Abstract

This study aims to analyze the influence of the perception of ease of use and the perception of usability on the decision to use the Quick Response Code Indonesian Standard (QRIS), with user attitudes as an intervening variable in Micro, Small, and Medium Enterprises (MSMEs) in Gowa Regency in the perspective of Islamic economics. The type of research used is quantitative research with an explanatory approach. Data analysis was carried out using SmartPLS software version 4.11.4 through the Partial Least Squares (PLS) approach to test the validity, reliability, structural model, and research hypothesis. The results of the study show that the perception of ease of use does not have a significant effect on the decision to use QRIS or on user attitudes. On the other hand, the perception of usability has a positive and significant effect on the decision to use QRIS as well as on user attitudes. In addition, user attitudes have a significant effect on the decision to use QRIS. In the mediation analysis, the user's attitude did not mediate the influence of the perception of ease of use on the decision to use QRIS, but succeeded in mediating the influence of the perception of usability on the decision to use QRIS. Overall, the findings of this study show that the decision to use QRIS in MSMEs is more driven by the perception of benefits than the perception of ease of use. From an Islamic economic perspective, these results are in line with the principles of maqasid al-shariah, especially maslahah (public benefit) and hifz al-mal (protection of property), where the adoption of technology is expected to provide real benefits, increase efficiency, and ensure safe and transparent financial transactions.
Co-Authors A, ASTUTI A., Chevy Herli Sumerli A.M. Nur Atma Amir Abd Wahab Abda Abda Abdi Dzul Jalal Ikram Abdul Rasyid Achmad Riady Aditya, Roby Agus Setiyawan Agus Zainul Arifin Ahmad Efendi Alfian Fani Alim Azhari Muttaqien Alvionita Paru, Maria Ambo Asse Ameliyani, Rizki Amir, Muh Ikraam Sayyid Amiruddin K Andi Ruslan Andi Wawo Andi Yusrifal Andi Yusril Cibu Cibu Andriani , Eva Andriya Risdwiyanto Anindya Pangestika, Mirza Annisa Faizal Anthony Holly Aprilia, Siska Ardiyanto Maksimilianus Gai Arief Yanto Rukmana Arif Mashuri Arifin, Agus Zainul Arsyad, Kamaruddin asnani asnani Aspiati Samiun Astriani Astriani ASTRINA TAHANG Azizah Saban Azmi Yusriyah Naurah Azwar Azwar, Azwar Badollahi, Ismail Baihaqi Bayu Taufiq Possumah, Bayu Taufiq Brave Angkasa Sugiarso Bustan Ramli Chevy Herli Sumerli Dede Rustaman Della Fadhilatunisa Dhety Chusumastuti Dian Hajra Diawati, Prety Didi Permadi Sukur Dina Fahma Sari Edison Sihombing Effendy, Femmy Eko Nur Hermansyah Eko Sudarmanto Erasma Erica Honasan Ho Erny Rachmawati Eva Andriani Eva Desembrianita Eva Yuniarti Utami fadil, Ahmad Fahrudin Fahrudin Fahrudin Fahrudin Faizah, Siti Nur Fajri Dwiyama Farid Fajrin Fatahillah R Fatimah Fatimah Fatmasari, Ria Kristia Gagaring Pagalung Gasali, Muhammad Hafid, Wika Ramdhani Hamid, Nurasiah Hamsa Hamsa Hanafi, M. Raihan Wafil Amin Hardiwansyah Hardiwansyah, Hardiwansyah Hasan, Adnan Hasmi, Athira Putri Hidayat, Ahmad Rifqi Hiras Pasaribu HS, Muh Nur Ihsan IB, Bukhari Ilhamiwati, Mega Irfan Irfan Irmawati H. R. Irwan Moridu Istiqamah Maggu JAMILAH Jimmy Malintang Judijanto, Loso Jumriati, Jumriati Kamaruddin Kamaruddin Karmila Malik Kartika Kusnadi, Iwan Henri Liestyowati Liestyowati Lince Bulutoding Linda Lidyawati Linda Lidyawati Listiana Sri Mulastih Loso Judijanto Lutfi, Muhtar Made Susilawati Mahdalena Mahdalena Marsuni, Nur Sandi Marwah Gama Mediyati Mediyati Mega Ilhamiwati Memen Suwandi Muh Mujihal Fikri Jalil Muh. Fachrul Ryantama Muhamatsakree Manyunu Muhammad Rizky Yahya Muhammad Rusmin, Muhammad Muhammad Sapril Sardi Juardi Muhammad Syafri Muhammad Syahrul Munir Muhammad Yusuf Hidayat Mulastih, Listiana Sri Munawwarah, Besse Husna Musdalifah Musdalifah Muslimin Kara Mustafa Umar Mustafa, Fahrina Mustakim Muchlis Mustakim Muchlis Mustamim, Mustamim Naslia Naslia Nasrullah Bin Sapa Ngurah Pandji ningrum, dedah - Nur Rahmah Sari Nur, Ilman Nur, M Ilham Nurchayati Nurchayati Nurchayati Nurchayati Nurfitrah Nurfitrah Nurhidayat Nurhidayat Nurul Nadila Idward Nurwijayanti Oktafia, Lefin Olha S. Niode Possumah, Bayu Taufik Prasetio, Allung Purwanto Putri Ayu Ramadhani Rahmaniar Rahmawati Rahmawati Muin Rahyuni, Gusty Raodahtul Jannah Rasti Pebry Pebry Rasulong, Ismail Ratnasari Ratnasari Reza Eka Saputra Ridwan Tabe Rika Dwi Ayu Parmitasari Risma Eka Saputri Riza Praditha Rizka Amaliah Robert Jao Roby Aditiya Roosganda Elizabeth ROOSGANDA ELIZABETH RR. Ella Evrita Hestiandari Rusman, Hedar Safri Haliding Safri Haliding Safri Haliding Safri Haliding Safri Haliding Saharuddin, Syafitri Saiful Muchlis Samalua Waoma Sapriadi, Nia Rahmadani Saprin Saprin Saprin Saprin, Saprin Saputra, Reza Eka Saslia, Eva Sayuti Sayuti Sayuti Sayuti Serlianti Serlianti Shadriyah, Shadriyah Sihombing, Edison Soleh Suardi Bakri Sudiana, Urip Sudirman Suhartono Sulaeman Sulaeman Sumarin Suwandi Ng Syamsul Hadi Syariati, Namla Elfa Syarif, Magfira Syaripuddin Rasyid Tabe, Ridwan Thitus Gilaa Tri Febrina Melinda Tri Yusnanto Trinandari Prasetya Nugrahanti Trinandari Prasetyo Nugrahanti Trisno Wardy Putra Uli Wildan Nuryanto Urip Sudiana Usmiati, Nevianti Dewi Suyanlis Utami, Eva Yuniarti Wan Ajijah Wijayanti, Indah Oktari Yahya, Muhammad Rizky Yogi Hady Afrizal Zainal Abidin Zainal Abidin