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All Journal J-Sil (Jurnal Teknik Sipil dan Lingkungan) Cakrawala Pendidikan JURNAL PERTAMBANGAN INDONESIAN JOURNAL OF LEGAL AND FORENSIC SCIENCES Jurnal Kriminologi Indonesia Jurnal Online Mahasiswa (JOM) Bidang Ilmu Sosial dan Ilmu Politik Jurnal Pseudocode Jurnal Dinamika Hukum Jurnal Elemen Jurnal Biologi Tropis Jurnal Pengabdian Masyarakat MIPA dan Pendidikan MIPA JURNAL ILMIAH PETERNAKAN TERPADU JURNAL BUANA International Journal of Supply Chain Management Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen Agroekoteknologi Tropika Lembab JURNAL HUKUM MEDIA JUSTITIA NUSANTARA Jurnal Esensi Hukum BJRM (Bongaya Journal of Research in Management) MAESTRO JURNAL ABDIMAS TRIDHARMA MANAJEMEN Language and Education Journal Tarbiyah Islamiyah: Jurnal Ilmiah Pendidikan Agama Islam AS-SIYASI JOURNAL OF CONSTITUTIONAL LAW Jurnal Dinamika Informatika (JDI) COMMENT: Journal of Community Empowerment Gladi : Jurnal Ilmu Keolahragaan Jurnal Ilmiah Mahasiswa Raushan Fikr Robust: Research of Business and Economics Studies Journal of Law, Poliitic and Humanities Jurnal Ilmu Sosial, Pendidikan Dan Humaniora Media Bina Ilmiah Jurnal Riset Rumpun Agama dan Filsafat Jurnal Riset Rumpun Ilmu Bahasa (JURRIBAH) Jurnal Penelitian Ekonomi Manajemen dan Bisnis Jurnal Penelitian Rumpun Ilmu Teknik Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Manarang Manajemen dan Bisnis Jurnal Kabar Masyarakat JIP: Jurnal Ilmu Pendidikan Jurnal Teknik Sipil Pertahanan Gudang Jurnal Multidisiplin Ilmu MANKEU (JURNAL MANAJEMEN KEUANGAN) Buletin Ilmiah Ilmu Komputer dan Multimedia (BIIKMA) Jurnal Anestesi: Jurnal Ilmu Kesehatan dan Kedokteran Jurnal Buana Cendikia Pendidikan Causa: Jurnal Hukum dan Kewarganegaraan JURNAL RUMPUN MANAJEMEN DAN EKONOMI Observasi: Jurnal Publikasi Ilmu Psikologi Jurnal Intelek Dan Cendikiawan Nusantara Jurnal Imiah Pengabdian Pada Masyarakat (JIPM) Journal Of Chemical Process Engineering Jurnal Pengabdian Kepada Masyarakat Al-Amin Aliansi: Jurnal Hukum, Pendidikan dan Sosial Humaniora Router : Jurnal Teknik Informatika dan Terapan Desentralisasi: Jurnal Hukum, Kebijakan Publik, Dan Pemerintahan Uranus: Jurnal Ilmiah Teknik Elektro, Sains dan Informatika Karya Nyata: Jurnal Pengabdian Kepada Masyarakat JURNAL BUANA Prosiding Dedikasi: Pengabdian Mahasiswa Kepada Masyarakat Jurnal Riset Multidisiplin Edukasi Jurnal Ilmiah Bongaya (JIB) An Najah (Jurnal Pendidikan Islam dan Sosial Keagamaan) Journal for Science and Religious Studies Jurnal Jurisprudence Proceedings Conference on Marine Engineering and its Application J-Sil (Jurnal Teknik Sipil dan Lingkungan) Al-Ard: Journal of Education Benefit: Jurnal Manajemen dan Bisnis Journal of Social, Education and Religious Studies Jurnal Ekonomi Syariah Router : Jurnal Teknik Informatika dan Terapan Jurnal Arsitektur GRID
Muhammad Fauzan
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Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Mechanical Engineering Medicine & Pharmacology Nursing Physics Public Health Social Sciences Transportation Other

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USE OF THE DANA DIGITAL WALLET APPLICATION AND ITS IMPACT ON PUBLIC LIFE Nadintia, Susanti; M. Rifani; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 2 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i2.260

Abstract

The development of digital technology is driving changes in people's payment systems, one of which is through the use of digital wallets. This study aims to determine the use of the DANA digital wallet application and its impact on society. This study used a qualitative approach with data collection methods through interviews and observations of DANA application users. The results show that the use of the DANA application provides convenience in conducting financial transactions, increases time efficiency, and fosters public trust through the available security system. In addition, promo and cashback features influence people's consumption behavior, although they have the potential to encourage consumptive attitudes if not used wisely. The DANA digital wallet application also plays a role in increasing financial inclusion by providing wider access to financial services for the public. Thus, the use of the DANA application not only functions as a digital payment tool, but also has a social and economic impact on people's lives.
USER FINANCIAL LITERACY LEVEL TOWARDS KREDIVO P2P LENDING SERVICES Nurkamizah; Desca Wahyuni; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 2 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

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Abstract

The development of financial technology, particularly peer-to-peer (P2P) lending services in Indonesia, is experiencing rapid growth, one of which is through the Kredivo platform, which offers easy access to digital-based credit. However, this convenience also has the potential to create financial risks if not balanced with an adequate level of financial literacy among its users. This study aims to determine and analyze the level of financial literacy of users regarding the Kredivo P2P lending service using quantitative methods through a descriptive approach. Data were collected through questionnaires distributed to Kredivo users and analyzed based on indicators of financial knowledge, risk understanding, financial attitudes, and financial behavior. The results show that the level of financial literacy of Kredivo users is in the moderate category, indicating that users have a basic understanding of P2P lending products, but still have limitations in understanding long-term risks and managing payment obligations. Therefore, efforts are needed to improve financial literacy education from service providers and regulators to minimize financial risks and improve consumer protection.
THE AGILE HUMAN CAPITAL CONCEPT IN FINTECH FOR THE BABY BOOMER GENERATION Agus Maulana; Muhammad Fauzan; Edi Susanto; Aremu Bashiru; Muhammad Ghalih
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 3 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i3.263

Abstract

Financial literacy is an important aspect for students in managing personal finances effectively. This study was conducted at the Universitas Pendidikan Indonesia. The purpose of this study was to determine the level of literacy, perceptions of the importance of financial literacy, and the impact of financial literacy on the financial decision-making of students at the Faculty of Economics and Business Education, Universitas Pendidikan Indonesia. The research method used is a descriptive qualitative method. The data technique used was through a questionnaire involving 100 respondents. The results of the study showed that students at the Faculty of Economics and Business Education, Universitas Pendidikan Indonesia, have a good understanding of financial literacy, with 76% of respondents strongly agreeing that financial literacy is very important in their lives. In addition, students who have good financial literacy tend to be more organized in managing their finances, such as in recording income and expenses. This study provides insight into how financial literacy can help students avoid consumptive behavior and make wise financial decisions. Therefore, it is recommended that universities develop more structured educational programs to improve financial literacy among students.
A QUALITATIVE STUDY OF USER PERCEPTION OF THE SEABANK E-WALLET APPLICATION Riska Agustina Yanti; Hairunisa; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 3 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i3.266

Abstract

The development of financial technology has driven the increasing use of e-wallet applications as a means of non-cash transactions. One emerging digital wallet application is SeaBank, which offers convenience and speed in transactions. This study aims to analyze user perceptions of the SeaBank e-wallet application in terms of ease of use, security, and perceived benefits. This study used a qualitative method with a descriptive approach. Data collection techniques were carried out through in-depth interviews and observations of active SeaBank application users. Informants were selected using purposive sampling, taking into account user experience in using the application. Data analysis was carried out through the stages of data reduction, data presentation, and drawing conclusions. The results show that the majority of users have a positive perception of the SeaBank application, particularly regarding the ease of use of the interface and transaction efficiency. However, some users still have concerns regarding data security and system stability. This study is expected to contribute to application developers in improving service quality and serve as a reference for further research related to financial technology-based e-wallets..
Literature Review on the Role of Teachers in Improving Student Learning Motivation Faris Ahzamy; Muhammad Fauzan; Riska Latiful Husna
Al-Ard: Journal of Education Vol. 1 No. 3 (2025)
Publisher : Konsultan Jurnal Ilmiah Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63738/al-ard.v1i3.20

Abstract

This article aims to comprehensively review the role of teachers in enhancing students’ learning motivation through a literature review approach. Learning motivation is a crucial factor influencing the success of the learning process, and teachers play a strategic role in fostering and maintaining students’ motivation. The method used in this study is a literature review by analyzing various relevant academic sources, including books, journal articles, and previous research related to learning motivation and teacher roles. The findings indicate that students’ learning motivation is influenced by several key aspects, namely teachers’ emotional support, the implementation of innovative and engaging teaching methods, adaptation to students’ learning styles and needs, strengthening social relationships in the classroom, and providing constructive feedback. In addition, this review identifies challenges faced by teachers, such as limited resources and diverse student characteristics. Therefore, teachers are required to be adaptive, creative, and reflective in designing learning activities. This article is expected to contribute theoretical insights and practical recommendations for educators in creating a supportive, inclusive, and sustainable learning environment to enhance students’ learning motivation.
Survei Konsumsi Digital dan Literasi Media Warga Koto Mambang Ridho Saputra; Malta Nelisa; Muhammad Fauzan; Tarisa Adestri; Erli Elviana; Intan Dafriani
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 6 (2025): Desember 2025 - Januari 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

This study aims to describe the patterns of digital consumption and the level of media literacy among the residents of Koto Mambang Village. Using a descriptive quantitative approach, data were collected through structured questionnaires distributed to 31 randomly selected respondents aged 15 years and above, complemented by brief interviews with selected participants. The findings indicate that internet usage is relatively high, with most respondents purchasing data packages monthly. WhatsApp emerged as the most dominant platform, followed by TikTok, YouTube, and Instagram. In terms of information literacy, over half of the respondents demonstrated critical awareness by verifying the truth of information before sharing it, while a smaller portion still relied on others’ opinions or spread information without verification. Although nearly half of the participants were familiar with fact-checking methods, a significant proportion remained unaware or only partially understood how to implement them. These results highlight that digital literacy in Koto Mambang Village has developed, yet disparities in knowledge and verification practices persist. Further educational initiatives are necessary to strengthen media literacy skills, particularly through participatory training programs that provide practical guidance on verifying online information
ANALISIS FAKTOR PENURUNAN PENYALURAN PEMBIAYAAN FINTECH SYARIAH DI INDONESIA TAHUN 2025 Muhammad Fauzan; Surya Tegar Widjiantoro
Al-Hasyimiyah: Jurnal Ekonomi Syariah Vol 4 No 02 (2025): Desember
Publisher : STAI Sulthan Syarif Hasyim

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64524/ah.v4i02.167

Abstract

This study focuses on the notable decline in Islamic fintech financing in 2025, a development that becomes more striking when viewed alongside the simultaneous increase in the industry’s total assets. Official data from OJK indicate a sharp contraction, with financing dropping from Rp 1.58 trillion in 2024 to Rp 800 billion in 2025, suggesting deeper structural issues within the Islamic fintech ecosystem. Using a qualitative approach through a literature review, this research explores how rising credit risk—as reflected in the increase of TWP90—diminishing digital trust due to information uncertainty, weakening purchasing power, and stricter regulatory requirements collectively shaped lenders’ decisions to reduce funding supply. The synthesis of findings reveals that credit risk and digital trust play the most decisive roles in constraining financing flows, particularly in sharia-based platforms that rely heavily on transparency and contractual clarity. These results reinforce the relevance of the Crisis–Trust Model of Islamic Fintech in explaining shifts in funding behavior and highlight the need for stronger governance, improved digital transparency, and more adaptive regulatory policies to restore stability and resilience in the Islamic fintech industry.
ANALYSIS OF DEFAULT RATES IN THE FINTECH LENDING INDUSTRY IN INDONESIA USING TWP90 AND TKB90 INDICATORS Dewi, Dewi Fitriana Puji Lestari; Novita Sari; Muhammad Fauzan
MANKEU (JURNAL MANAJEMEN KEUANGAN) Vol. 3 No. 4 (2025): MANKEU (JURNAL MANAJEMEN KEUANGAN)
Publisher : Indragiri Research Center (ingreat)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61167/mnk.v3i4.274

Abstract

The growth of the fintech lending industry in Indonesia continues to increase in line with the high public need for fast and easily accessible digital financing services. However, these developments are also accompanied by an increase in the risk of default that needs to be monitored periodically through the Financial Services Authority's official indicators, namely the 90-Day Default Rate (TWP90) and the 90-Day Payment Success Rate (TKB90). This study aims to analyze the development of these two indicators as a reflection of the level of credit risk in the fintech lending industry during the period from January 2024 to January 2025. The research uses a quantitative descriptive method by utilizing secondary data from OJK monthly publications. The results showed that throughout the observation period, TWP90 was in the range of 2.37%–2.96%, while TKB90 showed stable performance in the range of 97.05%–97.63%. The downward trend in TWP90 in mid-2024 indicates improved credit quality and the effectiveness of risk mitigation, while the increase in TWP90 at the end of the year indicates seasonal pressures affecting borrowers' ability to pay. In addition, the inversely proportional relationship between TWP90 and TKB90 was seen consistent throughout the study period. These findings confirm that although the fintech lending industry is in a relatively healthy and controlled condition, credit risk dynamics still need to be anticipated through the strengthening of risk assessment systems, collection strategies, and periodic monitoring by regulators and industry players.
Penerapan Prinsip Arsitektur Hijau Pada Perancangan Gedung Pusat Pendidikan Jarak Jauh IAIN Cirebon Muhammad Fauzan; Juarni Anita
Jurnal Arsitektur GRID: Journal of Architecture and Built Environment Volume 5, Nomor 1 (2023): Juni
Publisher : Program Studi Arsitektur Fakultas Teknik Sipil dan Perencanaan Universitas Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52429/grid.v5i1.48

Abstract

Pendidikan jarak jauh merupakan sistem pembelajaran online yang membutuhkan kualitas media pembelajaran elektronik yang baik dan interaktif. Media pembelajaran ini menjadi sarana mengembangkan kemampuan mahasiswa dalam menguasai materi dan kompetensi. Oleh karena itu, perlu adanya fasilitas tempat yang dapat mendukung proses pembuatan materi dan pengembangan aktifitas digital dengan menyediakan gedung pusat pendidikan jarak jauh sebagaimana yang sedang dipersiapkan oleh IAIN Cirebon. Aktivitas dalam gedung tidak terlepas dari penggunaan energi yang besar dan dampaknya kepada lingkungan disekitarnya, maka perlu merancang gedung yang ramah dan nyaman bagi pengguna maupun lingkungannya. Penerapan konsep arsitektur hijau dapat menjadi strategi pemecahan masalah ini dengan menerapkan enam kriteria arsitektur hijau kedalam perancangan. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan penjelasan data berdasarkan prinsip arsitektur hijau. Analisis ini menunjukan penerapan konsep arsitektur hijau dengan prinsip hemat energi, pemanfaatan iklim, meminimalisir sumber baru, memperhatikan pengguna dan tapak, dan holism pada Gedung Pusat Pendidikan Jarak Jauh IAIN Cirebon.
Studies Peningkatan Kreativitas Siswa Melalui Penerapan Model Pembelajaran Project Based Learning (PJBL) pada Mata Pelajaran PAI di Kelas VIII MTsN 1 Pasaman Muhammad Fauzan; Asmar Habibi; Agusrianto; Riko Pilihantoni
Journal of Social, Educational and Religious Studies Vol. 2 No. 1 (2026): Maret 2026
Publisher : Suria Academic Press

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Abstract

This research is motivated by the problem of low student creativity in Islamic Religious Education (PAI) learning at MTsN 1 Pasaman, characterized by teacher centered learning, the use of conventional lecture methods, and a lack of opportunities for students to actively explore. This results in low student motivation, understanding, and learning outcomes. The research aims to describe the planning, implementation, and evaluation of applying the Project Based Learning (PJBL) model to enhance student creativity in PAI subjects. The research method uses a qualitative approach with data collection techniques of observation, indepth interviews, and documentary studies. The findings indicate that the implementation of PJBL through systematic stages from theme identification, project planning, collaborative execution, to presentation and reflection successfully created active, innovative, and student-centered learning. Evaluation through self assessment, peer assessment, and product rubrics revealed a significant improvement in student creativity indicators: fluency, flexibility, originality, and elaboration of thinking. Therefore, the PJBL model is proven effective as an alternative strategy to overcome passive learning problems and enhance student creativity in the context of PAI.
Co-Authors Abda Abda ABS, M Khoirul Ade Khadijatul Z Hrp Ade Putra Adhi Kusuma Adi Wirawan Husodo Adira Rizqi Ananda Afdhal . Afid Brilliana Putra Agung Wijoyo Agus Maulana Agus Widodo Agusrianto Ahmad Haical Ramadhan Ahmad Rifai ahyuni . Aisya Nur Abida Aldy Wiranata Ali Imran Nasution Alifa Aswandani Alyafi Afwa Amanda Ami Rizkiana Anang Hermansyah Anastasya Putri Andhika Sena Aji Prasetya Utama Andin Hermawan Andini Andini Andini Putri Lestari Andrew Fiade Angga Siswanto Anggraeni Dyah Sulistiowati Anisa Nurul Fadhilah Aremu Bashiru Arief Faizal Rachman Aris Priyanto Ariyanty Ulandari Asmar Habibi Asmira Laila Ayu Hudzaifah Bagus Jati Santoso Bahtaruddin Bahtaruddin Baiq Annisa Ulfi Anggraeni Batara Citta, Andi Bayu Aji Kurniansyah Bayu Fajar Susanto Bayutama Isnaini Benedicta Dian Alfanda Billgheza Alshakira Bunga Budi Mawardi Syam Charles Citta, Andi Batary Daffa Maulidio Inzaghi Dayang Kumalasari Dea Ananda Dea Aulia Syahputri Dede Handayani Denil Adriyansyah Depita Permata Sari Desca Wahyuni Desi Lestari Desmita Sari Dewi Iriani Dewi, Dewi Fitriana Puji Lestari Dhiya Atsila Shofa Dhoriva Urwatul Wutsqa Diana Apriyanti Dina Kumala Sari Dinda Lestari Dini Anjani Dini Vientiany Djidu, Hasan Djumadi Djumadi Duta Nur Halisah Dyah Purnaning Eddy Setiawan Edi Susanto Endar Chrisdiyanto Erli Elviana Ervyna, Ervyna Sari Erwin Evawani Elysa Lubis Ezra Putranda Setiawan Fabiyan Junino Elindika Fadillah Fadly Anhar Gultom Fajri Romadhoni Falda Yusdayani Putri Farhan Fadhillah Farida Agustina Faris Ahzamy Fauziah Lubis Febi Febrianda Fenty Eka M. A. Fian Triadi Fikri Fikri Fitria Julia Ghalih, Muhammad Grace Evelyn Gumilar, Egi Rivaldi Gusnawati Hafiza Amalia Hairunisa Hamsyah Harbaim Septiadi Harsanto Mursyid Hartini Iskandar Hasbi Pandiani Hendri Hermawan Adi Nugraha Hikmah Nuraini Hiskia Sinaga Husna, Najla Firyal Ichsan Aria Putra Ihya Fakhrurizal Amin iky, Zikrillah Inayati, Syarifah Indah Permata Sari Intan Dafriani Iqbal A’zhmi Ira Rizkia Ningsih Irawati Januaril Akbar Jeni Susyanti Joe Rey Acob Juarni Anita Jufri, Ali Julfahmi Rahmatullah JULIA KARINA Junaidy Junita Lubis Khairul Razak Mustofa Khairurrijal Khairurrijal Khairurrijal Khalimatus Sa'diah Khoirul Amri Rambe Kismiantini Kismiantini Komang Puspa Dewi Laila Nur Jamilah Lalu Maulana Azmi Gifari Libra, Robert Lilis Karlina Lutfi Almadani M Abdul Qadir Al Khair M. Dzaky Al Muttaqi M. Farhan Damanik M. Ilham M. Lutfi Ramdoni M. Rifani M. Zain Triputra Madi Hartono Malta Nelisa Maratun Nafiah MARDIANA Maryatul Wardina Maulana Yusuf Maulida Khairunisa Mawardi Mawardi Meidinie Maulida Mimi Yulianti Monica Destina Muh. Aswin M Muh. Faisalrahmat Muhaimin Muhamad Rafly Rafsanzany Muhammad Ashdaq Muhammad Aziz Zen Muhammad Dzaky Al Muttaqy Muhammad Farhan Harahap Muhammad Nadir Muhammad Rezky Audia Aunurrahman Muhammad Ridwan Muhammad Shaleh Muhammad Syafi’i Faturrahman Muhammad Ziddan Hidayat Muhlisah Lubis Muhyiddin Hilal Sarhan Musawir Al Ghani mutiara mutiara Myrza Rahmanita Nadia Utami Nadintia, Susanti Nailul Muna Najwa Ramadhani Lubis Nila Mareta Murdiyani Nivia Audria Mina Novia Sandra Dewi Novita Sari Nunung Fajaryani NUR AHMADI BI RAHMANI Nur Annisa NUR HASANAH Nur Qamariah Nurbaeti Nurkamizah Nursantri Yanti Nyamin Sucipto Oktavinda Safitry Olga Olga Pebi Kurniawan Pranadita, Nugraha Prapsetyo, Agung Pujowati, Penny Purnama Edy Santosa Rahmat Ghazali Rahmawati Rahmi Tri Jaya Ratna Nirmala Ratu Suspita Sukman Ridho Saputra Riko Pilihantoni Riris Ardhanariswari Risa Amanda Riska Agustina Yanti Riska Latiful Husna Roberto Kaban Rosidawati Wiradirja, Imas Rosita Kusumawati Rumyeni, Rumyeni Rusdiaman Rauf Safar Diknas L Safitri, Nadila Sahar, Santri Sahid Sahid Saidatul Umniyyah Sakinah Maulidah Salsabillah Revelia Sari Mariati Sekar Mentari Setiawan Tri Admaja Sherina Bunga Syabani Shita Nurul Ayasha Sitanggang, Matthew Jakaria Siti Hadijah SITI KARMILA SM. GUNTUR Sri Utami Permata Sritanti Sugiarto Sugiman Sugiman Sumiarti Surya Tegar Widjiantoro Susanawati Susanawati, Susanawati Syafrina Dina Syukrul Hamdi Tarisa Adestri Tini Setiawati Uswatun Chasanah Vellicia Dwi Dafika Vira mauliana Wagiman Manik Wahyu Maulid Adha WAHYUNI Widi Sunaryo Wizri Fauzi Arif Yacub, Tifanny Nur Yuan Amanta Yuni Srianingsih Yuniya yusuf, Febrianti Zafrullah, Zafrullah zainarti zainarti