Claim Missing Document
Check
Articles

Spatial Finance Exploration on Hajj Funds Sustainability Growth: Evidence from Indonesian Archipelagic Syadzily, Tb. Ace Hasan; Mufraini, M. Arief; Mulazid, Ade Sofyan; Murodi, Murodi; Wicaksono, Ahmad Tibrizi Soni
Madania: Jurnal Kajian Keislaman Vol 27, No 2 (2023): DECEMBER
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v27i2.2869

Abstract

This research aims to adopt a spatial finance approach to hajj fund sustainability by finding the factors that influenced it during the COVID-19 pandemic. This research involved GRDP, Household Consumption, COVID-19 Cases, Islamic Banking Office Network, and Religiosity Index as exogenous variables with secondary data in 2020. This research uses Spatial Autoregressive Model analysis and Local Indicators of Spatial Autocorrelation through Spatial Rate Analysis to predict spillover effects. Research findings show that the Religiosity Index and Office Network have a spatial effect on Hajj funds. In addition, the provinces of East Java and Central Java are predicted to have a strong potential to have a spillover effect and affect the surrounding areas to increase the sustainable growth of the Hajj fund. Penelitian ini bertujuan untuk mengadopsi pendekatan keuangan spasial terhadap keberlanjutan dana haji dengan menemukan faktor-faktor yang mempengaruhinya selama pandemi COVID-19. Penelitian ini melibatkan PDRB, Konsumsi Rumah Tangga, Kasus COVID-19, Jaringan Kantor Perbankan Syariah, dan Indeks Religiusitas sebagai variabel eksogen dengan data sekunder pada tahun 2020. Penelitian ini menggunakan analisis Spatial Autoregressive Model dan Indikator Lokal Autokorelasi Spasial melalui Analisis Spatial Rate untuk memprediksi spillover efek. Temuan penelitian menunjukkan bahwa Indeks Religiusitas dan Jaringan Kantor mempunyai pengaruh spasial terhadap dana haji. Selain itu, Provinsi Jawa Timur dan Jawa Tengah diperkirakan memiliki potensi yang kuat untuk memberikan efek limpahan dan berdampak pada wilayah sekitarnya untuk meningkatkan pertumbuhan dana haji yang berkelanjutan.
Pengaruh Lokasi, Bagi Hasil dan Promosi terhadap Proses Keputusan Nasabah Menabung di PT Panin Dubai Syariah Bank Putra, Erik Rif’ad Hendra; Mulazid, Ade Sofyan
Li Falah: Journal of Islamic Economics and Business Vol. 3 No. 1 (2018): June 2018
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v3i1.1184

Abstract

The purpose of this resesarch was to analyze the effect of location, reveneu sharing and promotion simultaneously and partially to decision process to save in product tabungan Flexible in PT Panin Dubai Syariah Bank Jakarta. The sample used in this study were 74 respondents from the customers of PT Panin Dubai Syariah Bank. The analytical method used is multiple linear regression analysis. The data obtained is the primary data that is the result of the respondents' answers to the questionnaire were distributed. These results of this study indicate that there is influence imultaneously on location variable, revenue sharing and promotion towards decision process to save. In the test of determination, there is the influence of a variable 51,9% location, revenue sharing and promotion to the decision to save. Meanwhile 48,1 %% (100% - 51,9%) were influenced by other variables that not included in this study. The result of this research showed that the location effect partially to the decision process to save, with significant value that is 0,021 < 0,05 and t count <t table (2,364 >1,993). Revenue sharing do not effect partially to the decision process to save, with a significant value of 0,503 > 0,05 and t count < t table (0,674 < 1,993). Promotion effect partially to the decision process save, with significant value that is 0,000 <0,05 and t count > t table (4,193 > 1,993)
Behavioral dynamics of halal cryptocurrency investing: cognitive and emotional mechanisms within islamic finance principles M. Syukri; Ade Sofyan Mulazid; M. Agung Rahmadi; Luthfiah Mawar; Helsa Nasution; Nurzahara Sihombing
Jurnal Konseling dan Pendidikan Vol. 13 No. 4 (2025): JKP
Publisher : Indonesian Institute for Counseling, Education and Therapy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/1201700

Abstract

This study comprehensively investigates the influence of cognitive biases, emotions, and Islamic legal understanding on halal cryptocurrency investment decisions among Muslim investors. Employing a Meta-Structural Equation Modeling (MASEM) approach, the analysis is based on data from 12,780 respondents in Muslim-majority countries to identify patterns of relationships among key variables. The primary findings of this research affirm that overconfidence has a significant positive impact on investment intention (β = 0.41, p < 0.01), consistent with Shiller (2017), who highlighted that excessive confidence can drive risk-taking behavior in financial markets. Conversely, loss aversion demonstrates a significant negative effect (β = -0.53, p < 0.01), aligning with Kahneman and Tversky's (2013) findings regarding preferences for avoiding losses under uncertainty. Regarding emotional factors, anxiety about price volatility is a major deterrent to investment (β = -0.54, p < 0.01). However, a Sharia-compliant label mitigates negative perceptions among Muslim investors toward cryptocurrency investments, enhancing their sense of security and trust (β = 0.36, p < 0.05). Lastly, understanding Islamic law significantly influences confidence in halal investments (β = 0.39, p < 0.05), corroborating the findings of El-Gamal (2006) and Din (2021) while underscoring the importance of Sharia-based financial literacy. The novelty of this study lies in its multidimensional integration of psychological behavior (cognitive biases and emotions) and Islamic law, thereby expanding the horizons of prior research. Consequently, this research contributes to the foundation of a new construct and provides practical guidance for developing Sharia-compliant financial products in the digital era.
ANALYSIS OF ALTERNATIVE SOCIAL PROTECTION POLICIES IN INDONESIA: A SYSTEMATIC REVIEW OF RESILIENCE, DIGITALIZATION, AND GOVERNANCE (2020-2025) Tb. Ace Hasan Syadzily; Ade Sofyan Mulazid
EMPATI: Jurnal Ilmu Kesejahteraan Sosial Vol. 14 No. 2 (2025): Empati Edisi Desember 2025
Publisher : Social Welfare Study Program

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/empati.v14i2.46836

Abstract

Abstract. This study conducts a systematic review to map the research landscape on alternative social protection policies in Indonesia from 2020 to 2025. It aims to identify thematic trends, methodological biases, and critical gaps in the literature, with a specific focus on resilience, digitalization, and governance. Adhering to the PRISMA protocol, we selected and rigorously analyzed 33 articles from Q1-Q4 indexed journals in the Scopus database, employing structured analytical frameworks for thematic synthesis and classification. Our findings reveal a significant paradigm shift towards Adaptive Social Protection (ASP) for responding to climate and economic shocks, alongside a dual narrative of optimism and risk concerning digital transformation. The analysis further uncovers a strong dominance of quantitative approaches, which we argue often obscures the nuanced realities of vulnerable groups, particularly regarding gendered impacts and digital inclusion. The discussion critically highlights a troubling disconnect between macro-level, technocratic evaluations and local-level dynamics, coupled with a general paucity of robust theoretical foundations in existing studies. We conclude that the field requires a reoriented future research agenda to critically interrogate the digital governance of social protection, systematically integrate intersectional perspectives, operationalize adaptive financing mechanisms, and unpack the societal 'black box' of policy implementation. The central implication is that building a resilient social protection system in Indonesia necessitates an interdisciplinary approach that deliberately bridges quantitative metrics with the qualitative lived experiences of marginalized populations. Keyword: Adaptive Social Protection, Digitalization, Governance, Intersectionality, Resilience. Abstrak. Studi ini menyusun tinjauan sistematis untuk memetakan lanskap penelitian kebijakan perlindungan sosial alternatif di Indonesia periode 2020-2025. Ini bertujuan mengidentifikasi tren tematik, bias metodologis, dan celah kritis dalam literatur, dengan fokus pada resiliensi, digitalisasi, dan tata kelola. Penelitian ini mengadopsi protokol PRISMA untuk menyeleksi 33 artikel terindeks Q1-Q4 dari database Scopus, yang kemudian dianalisis secara tematik dan diklasifikasikan menggunakan kerangka analitik terstruktur. Temuan utama mengungkap pergeseran paradigma menuju Perlindungan Sosial Adaptif (PSA) yang merespons guncangan iklim dan ekonomi, serta optimisme dan risiko dalam transformasi digital. Analisis kami menunjukkan dominasi pendekatan kuantitatif yang kuat, namun justru mengaburkan realitas lapangan kelompok rentan, seperti dampak kebijakan terhadap gender dan inklusi digital. Diskusi kami menekankan disonnect antara evaluasi makro-teknokratis dengan dinamika lokal, serta minimnya fondasi teoretis dalam studi-studi yang ada. Kesimpulannya, bidang ini memerlukan reorientasi agenda penelitian ke depan untuk mengkritisi aspek tata kelola digital, mengintegrasikan perspektif interseksional, mengeksplorasi pembiayaan adaptif, dan membuka 'kotak hitam' mekanisme sosial dalam implementasi kebijakan. Implikasinya, membangun sistem perlindungan sosial yang tangguh di Indonesia memerlukan pendekatan interdisipliner yang menjembatani metrik kuantitatif dengan pengalaman kualitatif masyarakat rentan. Keyword: Perlindungan Sosial Adaptif, Digitalisasi, Tata Kelola, Interseksionalitas, Resiliensi.
Juridical Study of the Development of Islamic Banking Law and Its Implications For Islamic Bank Products Ade Sofyan Mulazid
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 9, No 2 (2022): October
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v9i2.2921

Abstract

This study aims to analyze the development of Islamic banking law and its implications for the development of Islamic banking products. The researcher examined the significance of changes in laws related to Islamic banking for regulatory development and their implications for the development of Islamic banking institutions and products using a juridical-normative approach. This research includes literature research with a normative approach. The data collection technique used in the study is documentation techniques. Meanwhile, the data analasis technique used is induction technique with a qualitative approach. The results of the study show that changes in the law on Islamic banking have had a significant effect on the development of Islamic banking regulations in Indonesia. The implementation of Law Number 21 of 2008 concerning Sharia Banking is expected to answer some of the problems and doubts regarding the direction of development of Islamic banking in the future, including the direction of legal developments governing Islamic banking activities. With the enactment of Islamic banking regulations spread across sharia banking laws and regulations, the compilation of sharia economic law and fatwa dsn-mui as the legal basis for Islamic banking activities in Indonesia, it is expected to have implications for increasing the market share of Islamic banking and service networks and being able to encourage the development of Islamic banking products. The implications of this research are expected to develop knowledge in the field of legal politics and laws and regulations in the fields of economics and business. In addition, it is hoped that it can be useful for the fulfillment of human life celebrations related to aspects of structuring collective life, including developing an appreciation of legal and unlawful politics
ESG Integration in Sharia Investment: A Maqāṣid Al-Sharī'ah Perspective on Sharia Mutual Fund Portfolios in Indonesia Sholikul Hadi; Ade Sofyan Mulazid; Yudi Permana; Abdul Hakim; Dewi Kurniasari; Meirani Rahayu Rukmanda; Rio Kartika Supriyatna
Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Vol 13, No 1 (2026): January-June
Publisher : Faculty of Sharia (Islamic Law) at Fatmawati Sukarno State Islamic University Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/mzn.v13i1.8995

Abstract

: Despite the rapid growth of sustainable finance, the Islamic jurisprudential status of Environmental, Social, and Governance (ESG) integration in Sharia-compliant mutual funds remains unresolved. Existing scholarship treats ESG–Sharia compatibility as a matter of thematic alignment rather than legal obligation, leaving fund managers and regulators without a normative framework grounded in Islamic legal reasoning. This study addresses that gap by determining the ḥukm taklīfī governing ESG integration in Indonesian Sharia mutual funds. A mixed-methods design is embedded within an uṣūl al-fiqh analytical framework. Quantitatively, Pearson correlation and simple linear regression are applied to ten Sharia mutual funds listed on the Indonesia Stock Exchange (2019–2024); qualitatively, in-depth interviews with fund managers, Sharia supervisory board members, and capital market regulators are supplemented by a questionnaire administered to 210 retail investors. Empirical findings serve as the maṇāṭ (operative cause) for a three-stage istinbāṭ sequence: taḥqīq al-maṇāṭ, takyīf al-waqāʾīʿ, and takhrīj al-ḥukm. ESG-integrated Sharia funds generate superior risk-adjusted performance (annualised returns of 8.5–9.7%, Sharpe ratios > 1.10) relative to non-ESG Sharia funds (7.0–7.5%; Sharpe ratio ≈ 0.90), confirming ESG integration as consistent with ḥifẓ al-māl. Subjecting these findings to maqāṣid al-sharīʿah analysis — incorporating Ibn ʿĀshūrʿs articulation of ḥifẓ al-bīʿah alongside the maxims lā ḍarar wa lā ḍirār and darʼ al-mafāsid muqaddam ʿalā jalb al-maṣāliḥ — the study derives a graduated ruling: ESG integration is mandūb as a baseline and attains wājib kifāʼī where conventional Sharia screening demonstrably fails to prevent verifiable environmental or social darar. The governance pillar is already operationally embedded within existing Sharia oversight structures; social screening remains partial and requires extension from exclusionary toward positive maqāṣid-oriented assessment; and environmental integration generates a collective institutional obligation to develop the requisite data infrastructure. The study makes an original contribution to Islamic investment jurisprudence (fiqh al-istithmār) as the first to apply a complete uṣūl al-fiqh derivation to ESG integration in Sharia mutual funds, advancing a juristic proposal for a national Sharia-ESG fatwa framework to be coordinated by DSN-MUI and OJK.
PENGARUH BRAND IMAGE dan KEPERCAYAAN TERHADAP LOYALITAS NASABAH PT. BNI SYARIAH CABANG FATMAWATI JAKARTA Mulazid, Ade Sofyan
EQUILIBRIUM Vol 6, No 1 (2018): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v6i1.3086

Abstract

AbstakPenelitian ini dilakukan untuk menganalisis pengaruh Brand Image dan Kepercayaan Terhadap Loyalitas Nasabah Pada PT. BNI Syariah Cabang Fatmawati. Penelitian ini menggunakan teknik random sampling dengan 100 responden nasabah PT. BNI Syariah Cabang Fatmawati. Metode analisis yang digunakan dalam penelitian ini yaitu Analsisi Regresi Berganda.Hasil temuan dari penelitian ini menunjukkan bahwa Brand Image dan Kepercayaan secara individual berpengaruh signifikan terhadap loyalitas nasabah. Sedangkan secara simultan, brand image dan kepercayaan berpengaruh signifikan terhadap loyalitas nasabah. Dari nilai (R Square) menunjukkan bahwa loyalitas nasabah dapat dijelaskan oleh brand image dan kepercayaan sebesar 83,6, sedangkan sisanya 16,4% dipengaruhi oleh variabel lain yang tidak diketahui dalam penelitian ini.
Examining the Effects of Kiai Leadership, Institutional Support, and Educational Technology on Student Satisfaction in Indone-sian Pesantren Sofwan Manaf; Ade Sofyan Mulazid; Hadiyanto Arief; Much Hasan Darojat; Duna Izfanna; Miftah Hur Rahman Zh; Musthofa Musthofa
Munaddhomah: Jurnal Manajemen Pendidikan Islam Vol. 7 No. 2 (2026): Progressive Management of Islamic Education
Publisher : Prodi Manajemen Pendidikan Islam Pascasarjana Institut Pesantren KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/munaddhomah.v7i2.2698

Abstract

Indonesian pesantren faces a dual mandate: preserving spiritual and moral foundations while adapting to digital-age expectations. However, empirical evidence on which institutional drivers shape student satisfaction in this hybrid setting remains thin. This study examines the direct effects of Kiai leadership, institutional support, educational technology, and student involvement on student satisfaction across Indonesian pesantren. A quantitative cross-sectional design involving 480 stakeholders (active students, educators, alums, and institutional management) was used. Data were collected via a closed-ended Likert-scale questionnaire adapted from validated instruments and analysed using Partial Least Squares Structural Equation Modelling (PLS-SEM) on SmartPLS 3.0, with bootstrapping (5,000 resamples), f² effect size, Q² predictive relevance, and inner VIF assessment. Results show that Kiai leadership (β = 0.420, p < 0.05) and institutional support (β = 0.374, p < 0.05) are the strongest predictors of student satisfaction. Educational technology exerts a smaller yet significant positive effect (β = 0.253, p < 0.05). Student involvement, contrary to the engagement-satisfaction canon, shows no significant direct effect (β = -0.541, p > 0.05), suggesting its meaning in pesantren departs from Western engagement constructs. The findings reposition spiritual-transformational leadership and ethically framed institutional support as the foundational determinants of satisfaction in faith-based education, with technology functioning as an enabler rather than a primary driver. Practical implications underscore the need to invest in Kiai leadership development and student-centred support systems, while future research is invited to develop culturally grounded engagement scales for pesantren contexts.
Integrasi QRIS, E-Wallet, dan Media Sosial dalam Penghimpunan ZISWAF Pesantren Modern di Indonesia Angger Rian Fahreza; Abdul Aziz; Abunazar Alim; Arif Kurniawan; Ade Sofyan Mulazid
Indonesian Journal of Innovation Multidisipliner Research Vol. 4 No. 2 (2026): April - Juni
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v4i2.580

Abstract

Penelitian ini menganalisis integrasi Quick Response Code Indonesian Standard (QRIS), e-wallet, dan media sosial sebagai strategi fundraising digital dalam penghimpunan zakat, infak, sedekah, dan wakaf (ZISWAF) pada pesantren modern di Indonesia. Pertumbuhan pesat transaksi QRIS yang mencapai 6,24 miliar transaksi pada 2024 dan 59,53 juta pengguna pada 2025 menempatkan pesantren sebagai aktor strategis dalam optimalisasi filantropi Islam. Penelitian menggunakan pendekatan kualitatif dengan jenis penelitian kepustakaan (library research) dan analisis deskriptif-analitis terhadap literatur ilmiah serta laporan resmi Bank Indonesia, BAZNAS, dan Kementerian Agama dalam rentang 2019–2026, dengan kerangka empat dimensi efektivitas: jangkauan, kemudahan transaksi, transparansi, dan pertumbuhan. Hasil penelitian menunjukkan bahwa integrasi ketiga kanal berfungsi secara komplementer membentuk ekosistem fundraising digital yang memperluas jangkauan muzaki, meningkatkan kemudahan transaksi, serta memperkuat transparansi pengelolaan dana ZISWAF. Tantangan utama meliputi kapasitas SDM digital, literasi muzaki, otomasi rekonsiliasi, dan kepatuhan syariah pada pemilihan e-wallet. Penelitian merekomendasikan strategi optimalisasi berbasis ekosistem yang menyatukan ketiga kanal sebagai satu sistem terpadu untuk memperkuat efektivitas fundraising digital ZISWAF di pesantren modern.
Penyusunan Rencana Strategis Fundraising Dan Usaha Pesantren Ahmad Yani; Evi Susanti; Minda Sari Nur Jamilah; Refani Nuril Husna; Ade Sofyan Mulazid
Indonesian Journal of Innovation Multidisipliner Research Vol. 4 No. 2 (2026): April - Juni
Publisher : Institute of Advanced Knowledge and Science

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69693/ijim.v4i2.1182

Abstract

Kemandirian finansial merupakan tantangan krusial bagi pondok pesantren dalam menjaga keberlanjutan eksistensi dan mutu pendidikan Islam di era modern. Penelitian ini bertujuan untuk menganalisis penyusunan rencana strategis (renstra) fundraising dan pengembangan unit usaha ekonomi dalam mewujudkan otonomi finansial lembaga. Menggunakan pendekatan kualitatif dengan metode studi kasus deskriptif, penelitian ini mengambil lokus di Pondok Pesantren Darunnajah Jakarta. Data primer dikumpulkan selama periode Januari hingga Mei 2026 melalui observasi lapangan serta wawancara mendalam dengan 3 informan kunci yang merepresentasikan unsur pimpinan yayasan, kepala bidang keuangan, dan pengelola unit usaha. Analisis data dilakukan secara interaktif meliputi reduksi data, penyajian data, dan penarikan kesimpulan yang dipertajam dengan analisis SWOT. Temuan penelitian menunjukkan bahwa Pondok Pesantren Darunnajah Jakarta berhasil memformulasi renstra melalui diversifikasi fundraising digital berbasis segmentasi donatur (klaster mikro, makro, dan korporat) dengan dukungan teknologi CRM dan standardisasi QRIS. Pada sektor riil, pesantren menerapkan model pengembangan usaha berbasis piramida pasar melalui revitalisasi Koperasi Pondok Pesantren (Kopontren) non-tunai guna menguasai captive market internal sebelum melakukan ekspansi pasar eksternal. Kemandirian keuangan institusi dicapai melalui pembentukan struktur Badan Usaha Milik Pesantren (BUMP) yang memisahkan secara tegas otoritas manajemen bisnis komersial dari struktur kepengasuhan akademik. Implikasi penelitian ini menegaskan bahwa penerapan renstra tata kelola keuangan yang akuntabel mampu mentransformasi pesantren menjadi lembaga hibrida yang mandiri secara finansial tanpa mengabaikan identitas substansialnya sebagai pesantren khalafiyah (modern).
Co-Authors Abdul Aziz Abdul Hakim Abunazar Alim Ade Ananto Terminanto Ade Ananto Terminanto Ade Suherlan, Ade AFRIANDI, REDHO Ahmad Rodoni Ahmad Syaifullah Ahmad Yani Al-Arif, Mohammad Nur Rianto Alaa Mustafa Abdelmaksud Abouagila Angger Rian Fahreza Arfiani, Lydia Rahmadhini Arif Kurniawan Armawati Arbi Astriana, Nina Athia Nur Kamila Athia Nur Kamilah Athia Nur Kamilah Bahrul Yaman Basse, IIntannes Putri Basse, IIntannes Putri Deni Pandu Nugraha Desmadi Saharuddin Desmadi Saharuddin Desmadi Saharuddin, Desmadi Dewi Kurniasari Dita Meyliana Duna Izfanna Erik Rif’ad Hendra Putra Evi Susanti Fadilah, Ligar Fathoni, Muhammad Anwar Fatmawati Fatmawati Fatmawati, Fatmawati Fauzan Fikri, Muhammad Zainul Fikri, Muhammad Zainul Hadiyanto Arief HASNADINA, PUTRI SAULA Helsa Nasution Hemmy Fauzan HERNI ALI HT HT, HERNI ALI IIntannes Putri Basse Inayatul Chusna Irhamsyah Putra Kalsum Minangsih Komalasari Komalasari Komalasari Ligar Fadilah Ligar Fadilah Lina Adhani Lina Andhani Lukman Fahrudin Luthfiah Mawar Lydia Rahmadhini Arfiani M. Agung Rahmadi M. Arskal Salim GP M. Syukri Makhdaleva Hanura Tajudin Meirani Rahayu Rukmanda Meirison Meirison Meirison Meirison, Meirison Meyliana, Dita Miftah Hur Rahman Zh Minda Sari Nur Jamilah Much Hasan Darojat Mufliha, Nurul Mudhiatil Mufraini, M. Arief Muhaimin Muhaimin Muhammad Iman Kurniawan Muhammad Miftah Fudin Murodi Murodi Musthofa Musthofa Nur Hidayah Nurjanah, Risna Nurzahara Sihombing Putra, Erik Rif’ad Hendra PUTRI SAULA HASNADINA RATU VIEN SYLVIA AZIZA RATU VIEN SYLVIA AZIZA, RATU VIEN SYLVIA Redho Afriandi Refani Nuril Husna Ridho Fikri Almi Rio Kartika Supriyatna Risna Nurjanah Sesunan, Yunia Silvia Sholikul Hadi Sisca Juliana Sofwan Manaf Suhaimi, Ahmad Suhendra Suhendra Suhendra Suhendra Supriyono Supriyono Supriyono Supriyono Supriyono Supriyono Syadzily, Tb. Ace Hasan Tb. Ace Hasan Syadzily Terminanto, Ade Ananto Vista Qonitah Qotrun Nuha Wahdi Sayuti Wathoni, Abdul Wahid Wicaksono, Ahmad Tibrizi Soni Yessi Fitri Yoghi Citra Pratama Yoghi Citra Pratama Yudi Permana Yunia Silvia Sesunan yunia silvia sesunan Yunia Silvia Sesunan