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Analisis IRF terhadap Pengaruh Pembiayaan Murabahah, Dana Pihak Ketiga, BI Rate, dan Inflasi terhadap ROA Siti Albab Mardiyah Huwaida; Zaini Abdul Malik
Jurnal Riset Perbankan Syariah Volume 4, No. 1, Juli 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i1.6673

Abstract

Abstrak. Penelitian ini bertujuan untuk menganalisis respons Return on Assets (ROA) terhadap guncangan variabel-variabel utama, yaitu Dana Pihak Ketiga (DPK), Pembiayaan Murabahah, Inflasi, dan BI Rate, menggunakan metode Impulse Response Function (IRF) 10 periode setelah observasi. Hasil pengujian menunjukkan bahwa respons ROA terhadap guncangannya sendiri bersifat fluktuatif, dengan pola penurunan hingga periode ketujuh, diikuti peningkatan signifikan pada periode kedelapan, namun tetap berada di atas garis keseimbangan, mengindikasikan dampak positif secara keseluruhan. Respons ROA terhadap guncangan DPK menunjukkan pola awal negatif hingga periode keempat, yang kemudian berbalik positif pada periode keenam, meskipun kembali menunjukkan pola negatif hingga periode kesepuluh. Sementara itu, respons ROA terhadap Pembiayaan Murabahah dominan positif selama periode analisis, dengan peningkatan signifikan hingga periode ketiga dan kedelapan, meskipun fluktuasi beberapa kali menyentuh titik negatif namun dapat kembali stabil dengan cepat. Guncangan Inflasi memberikan respons negatif pada awalnya hingga periode kedua, kemudian meningkat menjadi positif hingga periode keenam, sebelum kembali negatif secara ekstrem pada periode kedelapan dan kembali positif pada periode kesembilan. Terakhir, respons ROA terhadap BI Rate menunjukkan pola positif pada awal analisis hingga periode kedua, kemudian menurun menjadi negatif hingga periode keenam, dan kembali positif hingga akhir periode. Secara keseluruhan, hasil ini mengungkap pola fluktuatif respons ROA terhadap guncangan variabel-variabel tersebut, dengan implikasi bahwa pengelolaan faktor-faktor eksternal dan internal secara optimal diperlukan untuk menjaga stabilitas ROA di Bank Victoria Syariah.   Abstract. This study uses the Impulse reaction Function (IRF) method to assess Return on Assets (ROA) in reaction to shocks in Third Party Funds (DPK), Murabahah Financing, Inflation, and the BI Rate over ten observations. The test results show ROA reacts differently to its shock. After a fall until the seventh period and a strong climb in the eighth, it regularly stays above the equilibrium line, showing a favourable effect. ROA decreases after the DPK shock until the fourth phase. In the sixth period, it turns positive, but it stays negative until the tenth. Despite minor fluctuations in succeeding phases, the ROA response to Murabahah finance was consistently positive, with considerable gains up until the third period. Inflation shocks were negative until the second period, then positive until the sixth. After a steep decline in the eighth session, this trend became positive in the ninth. The ROA reaction to the BI Rate increased from the first to the second period. After this, it drops until the sixth period. Resurgence leads to an increase until the end of the term. Considering everything, these data show how ROA responds to these factors and varies over time. This suggests that Bank Victoria Syariah must master internal and external hurdles to maintain a constant return on assets.
Pengaruh Dana Pihak Ketiga (DPK), NPF dan NOM Terhadap Return On Assets (ROA) Bank Panin Dubai Syariah Periode 2018-2023 10010320024, Maisa Ulfa; Zaini Abdul Malik; Intan Manggala Wijayanti
Bandung Conference Series: Syariah Banking Vol. 5 No. 1 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i1.18625

Abstract

Abstract. Bank Panin Dubai Syariah has experienced significant fluctuations in its Return on Assets (ROA), even reaching negative values in several periods. This indicates an imbalance in asset management and operational efficiency. ROA is influenced by several factors, such as Third Party Funds (DPK), Non-performing Financing (NPF), and Net Operating Margin (NOM). However, previous research has shown inconsistent results. This study aims to analyze the effect of DPK, NPF, and NOM on ROA at Bank Panin Dubai Syariah. This research uses a quantitative method with secondary data in the form of quarterly financial reports from 2018 to 2023. The analysis was conducted using multiple linear regression with the help of EViews 12 software. The results show that, partially, DPK and NOM have a positive and significant effect on ROA, with significance values of 0.0306 and 0.0000 respectively (less than 0.05). Meanwhile, NPF has no significant effect on ROA, as indicated by a significance value of 0.0617 (greater than 0.05). Simultaneously, DPK, NPF, and NOM significantly influence ROA with an F-statistic value of 4.015393 (greater than the F-table value of 3.10) and a significance level of 0.0000. Abstrak. Bank Panin Dubai Syariah mengalami fluktuasi signifkan pada Return On Asset (ROA), bahkan mencapai angka negative pada beberapa periode, yang mencerminkan ketidakseimbangan dalam pengelolaan asset dan efisiensi operasional. ROA di pengaruhi bebebrapa faktor, seperti Dana Pihak Ketiga (DPK), Non-performing Financing (NPF), dan Net Operating Margin (NOM), namun hasil penelitiansebelumnya menunjukan perbedaan. Penelitian ini bertujuan untuk menganalisis pengaruh DPK, NPF, dan NOM terhadap ROA pada Bank Panin Dubai Syariah. metode yang digunakan adalah kuantitatif dengan data sekunder berupa laporan keungan triwulanan periode 2018- 2023. Analisis dilakukan mengunakan regresi liner berganda dengan bantuan software Eviews 12. Hasil Hasil penelitian menunjukkan bahwa secara parsial, DPK dan NOM berpengaruh positif dan signifikan terhadap ROA dengan signifikansi masing-masing 0.0306 dan 0.0000 (lebih kecil dari 0,05). Sementara itu, NPF tidak berpengaruh signifikan terhadap ROA karena nilai signifikansi sebesar 0.0617 (lebih besar dari 0,05). Secara simultan, ketiga variabel tersebut berpengaruh signifikan terhadap ROA dengan nilai F-hitung 4.015393 (lebih besar dari F-tabel 3.10) dan nilai signifikansi 0.0000.
Pengaruh Strategi Layanan Digital Perbankan Syariah Terhadap Minat Generasi Z (Studi Kasus BSI KC Bandung Suniaraja) 10010321047, Lala Kartika; Zaini Abdul Malik; Irma Yulita Silviany
Bandung Conference Series: Syariah Banking Vol. 5 No. 1 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i1.18647

Abstract

Abstract. The development of digital technology has brought significant changes in the Islamic banking industry. Generation Z as a potential market segment in the development of Islamic banking services in the digital era is known for its digital-native characteristics that have a high preference for fast services. The research aims to identify the digital service strategy implemented, measure the level of interest, and analyze the effect of Islamic banking digital service strategy on Gen Z interest at BSI KC Bandung Suniaraja partially. This research uses quantitative methods with a field research approach. The collection technique used a questionnaire to 100 respondents. The data analysis technique used simple linear regression analysis with SPSS version 23. The results of the study were the level of application of digital service strategies in Islamic banking of 64.8%, the level of interest of 60.31%, and partially the digital service strategy of Islamic banking had a significant effect on Gen Z's interest in BSI KC Bandung Suniaraja. This means that improvements in service quality, convenience, and service innovation have a direct impact on increasing Gen Z interest. Following up on the research findings, Islamic banks need to improve digital service strategies, especially in terms of technological innovation. Keywords: Digital Service Strategy, Interest, Generation Z, Islamic Banking Abstrak. Perkembangan teknologi digital telah membawa perubahan signifikan di industri perbankan syariah. Generasi Z sebagai segmen pasar potensial dalam perkembangan layanan perbankan syariah di era digital dikenal dengan karakteristik digital-native yang memiliki preferensi tinggi terhadap layanan cepat. Tujuan penelitian untuk mengidentifikasi strategi layanan digital yang diterapkan, mengukur tingkat minat, serta menganalisis pengaruh strategi layanan digital perbankan syariah terhadap minat Gen Z di BSI KC Bandung Suniaraja secara parsial. Penelitian ini menggunakan metode kuantitatif dengan pendekatan field research. Teknik pengumpulan menggunakan kuesioner pada 100 responden. Teknik analisis data menggunakan analisis regresi linier sederhana dengan SPSS versi 23. Hasil penelitiannya adalah tingkat penerapan strategi layanan digital pada perbankan syariah sebesar 64,8%, tingkat minat sebesar 60,31%, serta secara parsial strategi layanan digital perbankan syariah berpengaruh signifikan terhadap minat Gen Z di BSI KC Bandung Suniaraja. Artinya peningkatan dalam kualitas layanan, kemudahan, dan inovasi layanan berdampak langsung pada meningkatnya minat Gen Z. Menindaklanjuti temuan penelitian bank syariah perlu meningkatkan strategi layanan digital khususnya dalam hal inovasi teknologi. Kata Kunci: Strategi Layanan Digital, Minat, Generasi Z, Perbankan Syariah
Owned By EbRaHiM-VaKeR t.me/ @Hajit00n - @LegionLeakers Thanks: AHORA - Special_One - H4 Expl0it3r: Owned By EbRaHiM-VaKeR t.me/ @Hajit00n - @LegionLeakers Thanks: AHORA - Special_One - H4 Expl0it3r Aam Siti Maryam; Zaini Abdul Malik; Intan Manggala
Bandung Conference Series: Syariah Banking Vol. 4 No. 2 (2025): Bandung Conference Series: Syariah Banking
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v4i2.20554

Abstract

Abstract. BMT Beringharjo is a Sharia-based microfinance institution that plays an important role in supporting the development of Micro, Small, and Medium Enterprises (MSMEs). One of its main financing products is murabahah financing, a sale-and-purchase scheme with an agreed-upon profit margin in accordance with Islamic principles. This financing provides a fair alternative for MSME actors who need working capital while avoiding interest-based systems. This study aims to examine the process of providing murabahah financing at BMT Beringharjo Bandung and its influence on the business development of financing recipients. The research method used is quantitative by distributing questionnaires to 60 respondents who received murabahah financing. The data were analyzed using validity and reliability tests, as well as simple linear regression to measure the relationship between financing and business development, supported by qualitative descriptive data through observation and documentation. The results show that all indicators are valid and reliable, with a Cronbach's Alpha value of 0.878. A correlation coefficient of 0.753 and a determination coefficient of 0.568 indicate a positive and significant influence of murabahah financing on MSME development. This proves that murabahah financing is not only a financial solution but also contributes significantly to the growth and empowerment of microenterprises. Abstrak. BMT Beringharjo adalah lembaga keuangan mikro berbasis syariah yang berperan penting dalam mendukung pengembangan Usaha Mikro, Kecil, dan Menengah (UMKM). Salah satu produk utama yang ditawarkan adalah pembiayaan murabahah, yakni skema jual beli barang dengan margin keuntungan yang disepakati sesuai prinsip Islam. Pembiayaan ini menjadi alternatif yang adil bagi pelaku UMKM yang membutuhkan modal kerja tanpa sistem bunga. Penelitian ini bertujuan untuk mengetahui proses pemberian pembiayaan murabahah di BMT Beringharjo Bandung serta pengaruhnya terhadap perkembangan usaha penerima pembiayaan. Metode penelitian yang digunakan adalah kuantitatif melalui penyebaran kuesioner kepada 60 responden penerima pembiayaan. Analisis dilakukan dengan uji validitas, reliabilitas, serta regresi linear sederhana untuk mengukur hubungan antara pembiayaan dan perkembangan usaha, didukung data deskriptif kualitatif melalui observasi dan dokumentasi. Hasil penelitian menunjukkan seluruh indikator valid dan reliabel dengan nilai Cronbach’s Alpha 0,878. Koefisien korelasi sebesar 0,753 dan determinasi 0,568 menunjukkan pengaruh positif dan signifikan pembiayaan murabahah terhadap perkembangan UMKM. Hal ini membuktikan bahwa pembiayaan murabahah tidak hanya menjadi solusi keuangan, tetapi juga berkontribusi nyata dalam meningkatkan pertumbuhan dan pemberdayaan usaha mikro. Owned By EbRaHiM-VaKeR t.me/ @Hajit00n - @LegionLeakers Thanks: AHORA - Special_One - H4 Expl0it3r
Pemberdayaan Manajemen Dewan Kemakmuran Masjid di Kelurahan Tamansari Dalam Masa Pandemi Putra, Panji Adam Agus; Malik, Zaini Abdul; Permana, Iwan; Wijayanti, Intan Manggala; Dzulhijjah, Liza
Journal of Community Research and Service Vol. 7 No. 1: January 2023
Publisher : Universitas Negeri Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24114/jcrs.v7i1.43065

Abstract

Sejak permulaan diberlakukannya karantina wilayah bahkan nasional, masjid-masjid nampak sepi dari jama™ahnya. Munculnya fatwa MUI nomor 14 tahun 2020 tentang penyelenggaraan ibadah dalam situasi terjadi wabah covid-19 menjawab pertanyaan masyarakat seputar penyelenggaraan aktivitas beribadah di masjid untuk kemudian berpindah ke rumah masing-masing. Dalam kondisi seperti saat ini, dewan kemakmuran masjid (DKM) diharuskan untuk memikirkan gagasan inovatif konstruktif dalam memaksimalkan potensi sumber daya manusia (SDM) yang ada di masjid. Program pendampingan DKM yang berada di kelurahan Tamansari dijadikan objek pendampingan Tim PKM dari Fakultas Syariah Unisba. Target luaran dari kegiatan ini agar para DKM semakin kuat dan kokoh dalam manajemen masjid dalam masa pandemi, diantaranya dengan beberapa kegiatan seperti pemberdayaan dan pendampingan DKM dalam manajemen pengelolaan imam dan khatib, serta keuangan masjid. Pendampingan dilakukan hingga akhir masa pelaksanaan program PKM dan setelah program PKM ini berakhir.
Pengaruh NPM, TATO, dan ROI terhadap Laba Bersih pada Bank Syariah Serly Marselina; Zaini Abdul Malik; Nanik Eprianti
Jurnal Riset Perbankan Syariah Volume 4, No. 2, Desember 2025, Jurnal Riset Perbankan Syariah (JRPS)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jrps.v4i2.8299

Abstract

Abstrak. Perbankan merupakan lembaga keuangan yang berperan penting dalam menghimpun dana dari masyarakat dan menyalurkannya kembali dalam bentuk pembiayaan. Untuk menjaga stabilitas kinerja dan kepercayaan publik, diperlukan analisis terhadap kesehatan keuangan bank, salah satunya melalui penggunaan rasio-rasio keuangan. Rasio yang sering digunakan untuk mengukur kinerja bank antara lain Net Profit Margin (NPM), Total Asset Turnover (TATO), dan Return on Investment (ROI). Secara teoritis, peningkatan laba bersih semestinya diikuti oleh peningkatan nilai pada ketiga rasio tersebut. Namun, dalam praktiknya, hubungan tersebut tidak selalu konsisten. Dalam penelitian ini ditemukan kondisi di mana laba bersih mengalami peningkatan, tetapi nilai NPM justru mengalami penurunan. Berdasarkan kondisi tersebut, penelitian ini dilakukan untuk menganalisis pengaruh NPM, TATO, dan ROI terhadap laba bersih, dengan objek penelitian pada Bank Mega Syariah yang terdaftar di Otoritas Jasa Keuangan (OJK) selama periode 2017–2024. Metode yang digunakan adalah pendekatan kuantitatif dengan data sekunder dari laporan keuangan triwulanan. Teknik analisis menggunakan regresi linier berganda dengan bantuan software EViews 12. Hasilnya menunjukkan bahwa secara simultan, ketiga variabel berpengaruh terhadap laba bersih sebesar 94,92%, tetapi secara parsial hanya ROI yang berpengaruh signifikan. ROI terbukti menjadi faktor dominan dalam menentukan profitabilitas Bank Mega Syariah.   Abstract. Banking is a financial institution that plays an important role in collecting funds from the public and redistributing them in the form of financing. To maintain performance stability and public trust, it is necessary to analyze the financial health of banks, one of which is through the use of financial ratios. Commonly used ratios to assess bank performance include Net Profit Margin (NPM), Total Asset Turnover (TATO), and Return on Investment (ROI). Theoretically, an increase in net profit should be accompanied by an increase in the value of these three ratios. However, in practice, this relationship is not always consistent. This study found a condition where net profit increased, but the NPM value decreased. Based on this condition, the study was conducted to analyze the influence of NPM, TATO, and ROI on net profit, with the research object being Bank Mega Syariah, which is registered with the Financial Services Authority (OJK) during the 2017–2024 period. The method used was a quantitative approach with secondary data obtained from quarterly financial statements. The analytical technique applied was multiple linear regression using EViews 12 software. The results showed that simultaneously, the three variables influenced net profit by 94.92%, but partially, only ROI had a significant effect. ROI proved to be the dominant factor in determining the profitability of Bank Mega Syariah. 
Integrating Fiqh, Maqasid Sharīa, and ESG: A Proposed Framework for Risk Management in Islamic Banking Sanusi, Sandy Rizki Febriadi; Malik, Zaini Abdul; Senjiati, Ifa Hanifia; Yuniawati, Fitri
Milkiyah: Jurnal Hukum Ekonomi Syariah Vol. 5 No. 1 (2026): Milkiyah: Jurnal Hukum Ekonomi Syariah
Publisher : Sekolah Tinggi Agama islam Negeri Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/milkiyah.v5i1.1783

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Islamic banks are undergoing rapid digital transformation, yet this shift brings new vulnerabilities and increases exposure to climate‑related risks. These challenges indicate that digitalisation is not merely a technological upgrade but a strategic evolution requiring Islamic banks to embed sustainability and resilience at the core of their governance systems. This study aims to explain the integration of Fiqh principles and Maqāṣid Sharīa in Islamic bank risk management and explore the relevance of ESG to risk management. It also seeks to develop an ESG framework aligned with Fiqh and Maqāṣid Sharīa. Using a qualitative descriptive case study approach, this research examines Bank Syariah Indonesia (BSI) as the primary unit of analysis. Data were collected through triangulation (semi‑structured interviews with Sharia authorities and practitioners), document analysis of BSI’s 2023–2024 Sustainability Reports, relevant regulations, and direct observation of ESG implementation. The findings reveal that Fiqh provides the legal foundation for risk governance, while Maqāṣid Sharīa functions as an ethical and teleological compass guiding decision‑making toward public welfare. ESG, in turn, offers operational tools that transform Sharia values into measurable sustainability practices. Evidence from BSI’s initiatives in sustainable financing and digital financial inclusion demonstrates that ESG can operate as a vital instrument for risk mitigation while simultaneously generating positive socio‑environmental impact. Key implications include the need for regulators to develop ESG reporting standards that are integrated with Islamic law, the importance of capacity building for Sharia Supervisory Boards and risk management teams, and the necessity of industry‑wide commitment to sustainability as a driver of long‑term competitiveness and institutional resilience.
Analisis Hukum Islam terhadap Penerapan Undang-Undang Nomor 33 Tahun 2014 Tentang Jaminan Produk Halal di RPH Ciroyom Kota Bandung Ilham Nur Rohman; Zaini Abdul Malik; Ira Siti Rohmah Maulida
Bandung Conference Series: Sharia Economic Law Vol. 6 No. 1 (2026): Bandung Conference Series: Sharia Economic Law
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i1.23236

Abstract

Abstract. The objective of this research is to analyze the implementation of Law Number 33 of 2014 concerning Halal Product Guarantee (JPH Law) at the Ciroyom Slaughterhouse (RPH) in Bandung City, as well as to review it from an Islamic legal perspective. The primary objective of the present study is to examine the implementation of regulations following the enactment of the Job Creation Law, with a focus on the refinement of halal certification governance. This includes an analysis of the registration system, the separation of facilities, and the role of related institutions. The approach employed is descriptive qualitative, with the methods comprising field observation, interviews, and legal document review. The results demonstrated that the Ciroyom abattoir has consistently met the requirements of halal certification, including the separation of halal and non-halal zones and the involvement of certified slaughterhands (JULEHA). Despite the discrepancies in duration and administrative procedures between the JPH Law prior to and following the enactment of the Job Creation Law, RPH Ciroyom has demonstrated a remarkable capacity for adjustment. A review of Islamic law reveals that the practices employed in the abattoir are consistent with the principles of thaharah, halal, and saddu al-dzari'ah. This research recommends the strengthening of synergies between institutions and continuing education for slaughterhouse industry players in order to maintain halal products as a whole and on an ongoing basis. Abstrak. Penelitian ini bertujuan untuk menganalisis penerapan Undang-Undang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal (UU JPH) di Rumah Potong Hewan (RPH) Ciroyom Kota Bandung, serta meninjaunya dari perspektif hukum Islam. Fokus utama penelitian mencakup implementasi regulasi setelah berlakunya Undang-Undang Cipta Kerja sebagai penyempurna tata kelola sertifikasi halal, termasuk sistem pendaftaran, pemisahan fasilitas, dan peran lembaga terkait. Pendekatan yang digunakan adalah kualitatif deskriptif dengan metode observasi lapangan, wawancara, serta telaah dokumen hukum. Hasil penelitian menunjukkan bahwa RPH Ciroyom telah memenuhi persyaratan sertifikasi halal secara konsisten, termasuk pemisahan zona halal dan non-halal serta pelibatan juru sembelih bersertifikat (JULEHA). Meskipun terjadi perbedaan dalam durasi dan prosedur administratif antara UU JPH sebelum dan sesudah UU Cipta Kerja, RPH Ciroyom tetap dapat menyesuaikan diri dengan baik. Dari tinjauan hukum Islam, praktik yang diterapkan di RPH telah sesuai dengan prinsip thaharah, kehalalan, dan saddu al-dzari'ah. Penelitian ini merekomendasikan penguatan sinergi antar lembaga serta edukasi berkelanjutan bagi pelaku industri RPH dalam menjaga kehalalan produk secara menyeluruh dan berkelanjutan.
Co-Authors 10010320024, Maisa Ulfa 10010321047, Lala Kartika Aam Siti Maryam Ahmad Ghazi Zhafiirin Ahmad Ghazi Zhafirin Aisyah Shohwatul Islam Aisyah Shohwatul Islam Annisa Iskandar Annisa Nurul Fauziah Azka Dara Syahrani Azkia Qurani Azmi Filhaq Delia Anggraeni Dzulhijjah, Liza Encep Abdul Rojak Esti Apriliani Permata Sari Eva Misfah Bayuni Febriadi, Sandy Rizki Fuad Malik Al Faqih Hanifah Dhamier Nurahman Himayasari, Neng Dewi Ibnu Muhammad Zibran ifa hanifia senjiati Ilham Nur Rohman Imam Mugi Irma Yulita Silviany Irma Yunita Silviany Isfi Rizka Pitsyahara Iwan Permana Laola Urwatun Nisa Liza Dzulhijjah Liza Dzulhijjah Liza Muthmainah Khoeriyah Lusi Kholisiah Maman Surahman Maman Surahman Maulida, Ira Siti Rohmah Mely Kurniawati Mohamad Andri Ibrahim Mohamad Andri Ibrahim Muh. Ikbal Bh. Lewa Muhamad Ilham Safari Muhammad Danu Attaraya Muhammad Gandhi Darmawan Muhammad Mufti Syahrizal Muhammad Rayhan Fadhilah Muhammad Rifqy Prabowo Muhammad Yunus Nanik Eprianti Naufal Aqil Anshari Naziel Bawarik Haslah Neng Dewi Himayasari Neng Dewi Himayasari Nuni Shilami Nuri Rufaidah Al Anshariyah Panji Adam Agus Putra Permana, Iwan Popon Srisusilawati Prima Rizki, Alfina Redi Hadiyanto Risma Mustika Fajaria Robbyatul Adawiyah Shouma sabila azzahra Salsabila Rafidah Septian Nugraha Serly Marselina Shafa Luthfiah Nurlaeli Shakila Carisya Tsania Siti Albab Mardiyah Huwaida Sofura Alfia Dayana Sofura Alfia Dayana Sri Apriliyani Tia Fathiyah Tri Ambarwati Vikrama Waldani Vina Fazri Aryani Wijayanti, Intan Manggala Yayat Rahmat Hidayat Yayat Rahmat Hidayat Yolanda Fadilah Rafika Yuniawati, Fitri Yusup, Akhmad