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All Journal Jurnal Paradigma Ekonomika Publisia: Jurnal Ilmu Administrasi Publik EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis International Journal of Artificial Intelligence Research Emerging Science Journal Syntax Literate: Jurnal Ilmiah Indonesia Jurnal Tata Kelola dan Akuntabilitas Keuangan Negara JTAM (Jurnal Teori dan Aplikasi Matematika) Politik Indonesia: Indonesian Political Science Review Jurnal Good Governance Jurnal Sosial Ekonomi Kelautan dan Perikanan Jurnal Kebijakan Sosial Ekonomi Kelautan dan Perikanan Journal of Humanities and Social Studies Jurnal Samudra Ekonomi dan Bisnis Journal of Leadership in Organizations Jurnal Doktor Manajemen (JDM) Jurnal Ekonomi Manajemen Sistem Informasi Jurnal Anggaran dan Keuangan Negara Indonesia (AKURASI) International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Bisman (Bisnis dan Manajemen): The Journal of Business and Management Jurnal Syntax Transformation Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Ilomata International Journal of Management Journal La Bisecoman Jurnal Sosial dan Teknologi Jurnal Ketenagakerjaan juremi: jurnal riset ekonomi Moestopo International Review on Social, Humanities, and Sciences (MIRSHuS) International Journal of Social Science, Educational, Economics, Agriculture Research, and Technology (IJSET) Jurnal Pajak dan Bisnis (Journal of Tax and Business) Indonesian Journal of Multidisciplinary Science Jurnal Riset Perbankan, Manajemen dan Akuntansi Journal of Accounting and Finance Management (JAFM) JBEST Neo Journal of economy and social humanities INJURITY: Journal of Interdisciplinary Studies Eduvest - Journal of Universal Studies KELOLA: Jurnal Ilmiah Manajemen Jurnal Pallangga Praja Jurnal Manajemen, Akuntansi dan Logistik (JUMATI) TGO Journal of Community Development Indonesian Journal of Islamic Literature and Muslim Society Dinasti Accounting Review Jurnal Ekonomi, Manajemen, Akuntansi eJEBA Journal of Center for Energy Policy and Human Resources Capacity Development
R Luki Karunia
Politeknik STIA LAN Jakarta
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Neuroscience Public Health Social Sciences Other

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Pengaruh Fintech terhadap Kinerja UMKM Kuliner Rojo Sambel dengan Mediasi Inklusi Keuangan Dewanti, Resti Mutiara; Karunia, Luki; Fajarisman, Bambang
Jurnal Sosial Teknologi Vol. 5 No. 12 (2025): Jurnal Sosial dan Teknologi
Publisher : CV. Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jurnalsostech.v5i12.32550

Abstract

Penelitian ini menganalisis pengaruh teknologi finansial (financial technology) terhadap kinerja UMKM dengan inklusi keuangan sebagai variabel mediasi, menggunakan studi kasus pada usaha kuliner Rojo Sambel Indonesia. Financial technology mencakup layanan seperti pembayaran elektronik, peer-to-peer lending, perbankan digital, dan asuransi digital yang dirancang untuk meningkatkan akses keuangan UMKM. Metode penelitian kuantitatif dengan survei diterapkan pada seluruh cabang Rojo Sambel di Indonesia, dan data dianalisis menggunakan Partial Least Square (PLS). Hasil penelitian menunjukkan bahwa teknologi finansial berpengaruh positif dan signifikan terhadap inklusi keuangan, yang juga berperan sebagai mediasi signifikan dalam memperkuat hubungan antara financial technology dan kinerja UMKM. Adopsi teknologi finansial terbukti meningkatkan efisiensi operasional, memperluas akses pasar, dan mendorong pertumbuhan usaha. Penelitian ini memberikan kontribusi teoritis dalam literatur manajemen keuangan terkait pengelolaan UMKM di era digital. Secara praktis, penelitian ini menekankan pentingnya adopsi teknologi finansial oleh UMKM untuk meningkatkan daya saing. Temuan ini diharapkan menjadi acuan strategi peningkatan kinerja UMKM melalui adopsi teknologi finansial yang lebih luas. Pemerintah dan lembaga keuangan disarankan untuk mendorong literasi keuangan dan kebijakan inklusi keuangan yang mendukung UMKM.
Pengaruh Literasi Keuangan dan Penghasilan Pada Pengelolaan Keuangan dengan Kontrol Diri Sebagai Variabel Intervening di TVRI Pusat Fauzia, Dwi Vina; Abdullah, Thamrin; Karunia, Luki
Jurnal Sosial Teknologi Vol. 5 No. 12 (2025): Jurnal Sosial dan Teknologi
Publisher : CV. Green Publisher Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59188/jurnalsostech.v5i12.32598

Abstract

This study aims to analyze the influence of financial knowledge and income on financial management behavior with self-control as an intervening variable among employees of the Public Broadcasting Institution of Television of the Republic of Indonesia (LPP TVRI) Head Office. This research employs a quantitative approach using the Partial Least Square (PLS) method to test the measurement and structural models. The research sample consists of 268 employees selected through purposive sampling techniques. The results indicate that financial knowledge and income have a significant positive effect on financial management behavior. Furthermore, self-control acts as a mediating variable that strengthens the relationship between financial knowledge, income, and financial management behavior. These findings emphasize the importance of improving financial literacy and enhancing self-control to promote prudent financial management behavior among employees. The practical implications of this study suggest that the LPP TVRI Head Office should implement financial literacy training programs and incentive strategies that support employees' self-control in managing their finances. This study contributes theoretically to the development of financial management studies regarding self-control as a mediating variable.
Pengaruh Kualitas Pelayanan, Fasilitas dan Waktu Tunggu terhadap Kepuasan Pelanggan pada Pelayanan Pengujian Kendaraan Bermotor di Unit Pengelola Pengujian Kendaraan Bermotor Kedaung Angke Indra, Ade; Karunia, Luki; Rasdan, Rathoyo
Bisman (Bisnis dan Manajemen): The Journal of Business and Management Vol. 8 No. 3 (2025): November 2025
Publisher : Program Studi Manajemen, Fakultas Ekonomi, Universitas Islam Majapahit, Jawa Timur, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36815/bisman.v8i3.4515

Abstract

Pengaruh Kualitas Pelayanan, Fasilitas dan Waktu Tunggu terhadap Kepuasan Pelanggan pada Pelayanan Pengujian Kendaraan Bermotor di Unit Pengelola Pengujian Kendaraan Bermotor Kedaung Angke
STRATEGI PEMASARAN KOMPETITIF DALAM MENGHADAPI PERSAINGAN INDUSTRI BISNIS DI INDONESIA Abdullah, Abdullah; Yoniton, Wini Kartini; Karunia, R. Luki; Nugroho, Michael Adhi
KELOLA: Jurnal Ilmiah Manajemen Vol 11, No 2 (2025)
Publisher : Universitas Prof. Dr. Moestopo (Beragama)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32509/kelola.v11i2.6746

Abstract

This study aims to analyze the digital innovation-based competitive marketing strategy implemented by PT Amara Tujuh Perjuangan in facing competition within Indonesia’s exhibition industry. Using a qualitative approach with a descriptive case study design, the research focuses on the application of the Business Model Canvas (BMC) and digital transformation strategy as the main frameworks for understanding modern marketing dynamics. Data were collected through in-depth interviews, observations, and documentation involving company management, marketing staff, and key customers. The findings indicate that the integration of BMC with digital innovation strengthens the company’s competitive advantage by enhancing operational efficiency, personalizing services, and improving customer relationships. The digital platform Auto360 plays a crucial role in expanding market reach, optimizing promotional costs, and increasing customer engagement. However, challenges remain in digital literacy and customer analytics integration. Conceptually, this study emphasizes the importance of synergy between technological innovation, customer orientation, and internal resource management in creating adaptive and sustainable marketing strategies in the era of industrial digitalization.
Learning Organization And Organizational Climate Influence Employee Performance Mediated By Knowledge Sharing Variables At Pt. Qalin Buana Laras Septiani, Tria; Wibowo; Karunia, Luki
Jurnal Paradigma Ekonomika Vol. 20 No. 4 (2025): Jurnal Paradigma Ekonomika
Publisher : Program Studi Ekonomi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Jambi

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

Abstract

This research aims to determine whether Leaning Organization and Organizational Climate affect Employee Performance, mediated by Knowledge Sharing variables at PT. Qalin Buana Laras. The hypotheses proposed in this study are 1) Learning Organization has a significant effect on Employee Performance at PT. Qalin Buana Laras; (2) Organizational Climate has a significant effect on Employee Performance at PT. Qalin Buana Laras; (3) Knowledge Sharing has as significant effect on Employee Performance at PT. Qalin Buana Laras; (4) Learning Organization has a significant effect on Knowledge Sharing at PT. Qalin Buana Laras; (5) Organizational Climate has a significant effect on Knowledge Sharing at PT. Qalin Buana Laras; (6) Learning Organization mediates the effect of Performance on Knowledge Sharing at PT. Qalin Buana Laras; (7) Organizational Climate mediates the effect of Employee Performance on Knowledge Sharing at PT. Qalin Buana Laras. This study uses a quantitative descriptive analysis design. The sampling technique uses Saturated sampling, with 100 respondents. Data collection instruments use questionnaires. The data analysis technique uses BLUE assumption tests (linearity test, normality test, multicollinearity test, autocorrelations test, and heteroscedasticity test) as well as hypothesis tests (regression analysis, coefficient of determination analysis, t-test, and path analysis). The results of this study show the following findings; (1) there is a strong and significant effect between performance and Knowledge Sharing; (2) there is a strong and significant effect between Employee Performance and Learning Organization; (3) there is a very strong and significant effect between Employee Performance and Organizational Climate; (4) there is a strong effect between organizational Learning and Knowledge Sharing; (5) there is a strong relationship between Organizational Climate and Knowledge Sharing; (6) there is an indirect effect in the regression model where Leaning Organization can be a mediating variable between Employee Performance and Knowledge Sharing; (7) there is no indirect effect in the regression model where competence cannot be a mediating variable between Employee Performance and Knowledge Sharing at PT. Qalin Buana Laras.
Implementasi kebijakan pengawasan kearsipan internal pada Badan Meteorologi, Klimatologi, dan Geofisika (BMKG) Yulia Nurul Aini; Bambang Giyanto; R. Luki Karunia; Marlina Nababan
Publisia: Jurnal Ilmu Administrasi Publik Vol. 9 No. 1: April 2024
Publisher : Universitas Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/pjiap.v9i1.11126

Abstract

Archives are records of activities and events made and received by an agency that are useful as a monitoring tool and source of information. To protect the archives, archival supervision activities are carried out in accordance with PerANRI No. 6/2019 concerning Archival Supervision. BMKG is one of the LPNKs that has carried out internal archival supervision activities since 2019. The implementation of internal archival supervision at BMKG needs to be carried out to keep Meteorology, Climatology and Geophysics data and administrative data well managed and maintained. Using the policy implementation theory model from Van Horn, Van Meter, and Grindle which includes policy standards and objectives, resources, inter-organizational relationships, attitudes, characteristics of implementing agents, social and political conditions, and types of benefits. Using qualitative research with a descriptive approach. The results showed that the implementation of the internal archival supervision policy still has limited archival human resources and financial resources, and not all work units have carried out archival supervision so that MKG observation data has not been saved. Some of the inhibiting factors are inadequate human resources, limited funds, and a work culture that is less concerned about archives.
Implementasi kebijakan pengelolaan jaringan dokumentasi informasi hukum di Sekretariat Jenderal MPR RI Tahun 2018-2022 Dian Kartika Sari; Arifiani Widjayanti; R. Luki Karunia
Publisia: Jurnal Ilmu Administrasi Publik Vol. 9 No. 1: April 2024
Publisher : Universitas Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/pjiap.v9i1.11520

Abstract

The Legal Documentation and Information Network (JDIH) Management Policy is aform of public services using ICT in  providing legal data and information sourceswhich can be easily, briefly, clearly and completely accessed by public The Secretariat General of the MPR RI as a supporting system for the Assembly is one of the members of the National JDIH. However, since was formed in 2018 until 2022 it has not been able to implement this policy properly. The management of JDIH that has not been well organized, the overlapping functions between the website management unit and the JDIH implementation team, infrastructure facilities that are not optimal, insufficient number and competency of human resources are some indicators as the weakness of JDIH implementation of MPR. This article will discuss about the implementation of JDIH management policy at the Setjen MPR RI, why is it still not running as expected and recommend some strategic steps to improve the JDIH in the future. This research uses study case qualitative methods with the Edward III and Grindle models as analytical tools. Data collection carried out using in-depth interviews, observation and documentation.
Digital Financial Inclusion as A Catalyst for Blue Economy Development: The Role of Regional Development Banks in Strengthening Fisheries and Marine Sector Revenue in East Java Hermita Hermita; Nurliah Nurdin; Muhammad Taufiq; R Luki Karunia
Jurnal Sosial Ekonomi Kelautan dan Perikanan Vol 20, No 2 (2025): Desember 2025
Publisher : Balai Besar Riset Sosial Eonomi Kelautan dan Perikanan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15578/jsekp.v20i2.19848

Abstract

Indonesia's blue economy holds significant potential for regional economic development, yet coastal and fisheries communities remain underserved by formal financial services. This study examines how digital transformation in Regional Development Banks (BPDs) can drive financial inclusion and enhance revenue generation in the marine and fisheries sector. Using Bank Jatim as a case study, this research employs a qualitative approach with in-depth interviews and document analysis involving stakeholders from banking, regional government, fisheries agencies, and coastal community representatives. Findings reveal that digital financial services—including mobile banking, digital payment systems for fisheries transactions, and regional tax digitization—significantly improve access to capital for small-scale fishers and aquaculture businesses while accelerating Regional Own-Source Revenue (PAD) collection from marine resource levies. The study proposes an integrated Blue Economy Digital Finance Model encompassing four dimensions: (1) digital infrastructure for coastal financial inclusion, (2) adaptive institutional governance linking banks, fisheries agencies, and coastal communities, (3) capacity building for digital literacy among fishing households, and (4) collaborative policy frameworks aligning blue economy goals with regional fiscal sustainability. This research contributes to the literature on blue economy financing and provides policy recommendations for leveraging digital banking to strengthen Indonesia's marine and fisheries sector development.
Model Kemitraan Pemerintah dan Masyarakat dalam Kebijakan Pengendalian Demam Berdarah di Kabupaten Gunungkidul Daerah Istimewa Yogyakarta Luki Karunia; Adriwati
Journal of Business Administration Economics & Entrepreneurship Vol. 7, No. 2 (2025): Oktober
Publisher : Politeknik STIA LAN Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32834/jbest.v7i2.986

Abstract

Masih banyak Jumantik yang menemui masalah komunikasi di lapangan, adanya penolakan dari masyarakat setempat pada saat pemeriksaan dan pemantauan DBD, tentunya akan mempengaruhi kinerja pencapaian program penanggulangan Demam Berdarah Dengue (DBD) di Kalrahan Semanu Kabupaten Gunung Kidul. Oleh karena itu perlu mengkaji Partisipasi Masyarakat Dalam Pengendalian Penyakit Demam Berdarah. Metode yang digunakan dalam penelitian ini adalah studi kasus di Kalurahan Semanu Kabupaten Gunung Kidul Provinsi DI Yogyakarta. Teknik pengumpulan data berupa: wawancara, observasi dan telaah dokumen. Wawancara dilakukan dengan Pejabat di Dinas Kesehatan Gunung Kidul, Pejabat di Kelurahan Semanu, Ketua RW, Ketua RT, dan Masyarakat di wilayah Kelurahan Semanu. Pengolahan data dilakukan melalui tahapan: (a) Mengklasifikasi materi data hasil wawancara, observasi dan telaah dokumen; (b) Mengolah data berdasarkan keterkaitan antar komponen; (c) Merangkum, memilih hal-hal yang pokok, mencari polanya (d) Mendeskripsikan secara keseluruhan dan sistematik keterkaitan antar satuan-satuan gejala tersebut, menafsirkan partisipasi masyarakat dalam penanganan DBD. Hasil penelitian: ditinjau dari aspek komunikasi, diketahui bahwa alur komunikasi dilakukan secara dua arah (top down dan button up) antara pihak aparat dengan warga masyarakat. Untuk aspek perubahan sikap, harus ada kerja bersama antara aparat, warga dan seluruh komponen yang ada untuk secara kontinyu memberikan pemahaman tentang penyakit DBD sehingga bisa ada perubahan sikap, perilaku dan tingkah laku. Kesadaran masyarakat dalam penanggulangan penyakit DBD di Kelurahan Semanu sudah cukup baik. pada dasarnya kesediaan masyarakat untuk andil dalam penanggulangan penyakit DBD adalah karena merupakan kebutuhan masyarakat itu sendiri. Aspek rasa tanggungjawab akan pentingnya menjaga kesehatan lingkungan sudah tumbuh pada warga masyarakat Kalurahan Semanu, walaupun masih ada yang disebabkan adanya ajakan atau karena sesuatu hal sehingga rasa tanggungjawab itu muncul. Dari petugas/aparat melakukan kerja sama lintas sektor, memberikan info-info terkait DBD melalui kerjasama dalam monitoring PSN, penyuluhan maupun melalui media sosial. Adanya anggaran, honor dan alat kerja untuk kader jumantik juga bukti tanggung jawab pemerintah, untuk memberikan reward kepada kader jumantik sehingga kinerjanya lebih meningkat lagi. Keywords: partisipasi masyarakat; demam berdarah dengue; local government policy
Strategic Planning for Improving Employee Performance Solution Team at Information Technology Company in Jakarta Astri Ayudia Wibowo; Luki Karunia; Rathoyo Rasdan
Journal of Center for Energy Policy and Human Resources Capacity Development Vol. 2 No. 1 (2025): Policies and Regulations on Food Security and Agribusiness through Human Resour
Publisher : PT. Mega Mas Abadi Konsultan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66226/journalofcphrcd.v2i1.35

Abstract

This study aims to formulate a comprehensive strategy for improving team performance through structured human resource planning and standardized operational procedures. PT XYZ, a company specializing in data analytics and artificial intelligence, faces performance challenges within its Solution Team due to uneven competency levels and workload distribution. A qualitative research approach was employed, using Focus Group Discussions (FGD) with senior and middle managers as the primary data collection method. The analysis proceeded through three sequential stages: (1) mapping internal human resource elements using the HR Model Canvas, (2) identifying and developing strategic alternatives through the SOAR (Strengths, Opportunities, Aspirations, Results) framework, and (3) evaluating and prioritizing strategies using the Quantitative Strategic Planning Matrix (QSPM). Findings reveal that the “Cross-Training Presales” strategy achieved the highest attractiveness score (4.46) and was established as the top priority. This strategy effectively addresses skill gaps, balances workload distribution, and enhances service quality consistency. The study contributes theoretically by demonstrating the complementary use of HR Model Canvas, SOAR, and QSPM as an integrated framework for strategic performance management. Practically, it provides actionable guidance for PT XYZ and similar technology-based firms to design measurable and standardized work plans that sustain employee and team performance improvement.
Co-Authors Abdul Kholik Abdullah Abdullah Abdullah, Thamrin Achmad Taufik Achmad Taufik Ade Indra Ade Indra Adriwati Afsdy Saksono Andre Pamungkas Angga Oktapriono Angga Yudha Prastya Anggriawan, Galih Anita Meilani Annathasia Puji Erasashanti Ardi Sujatmiko Arifiani Widjayanti Arifiani Widjayanti Asfan Shabri Astanto, M. Tony Andy Astri Ayudia Wibowo Astri, Sofyanti Bambang Fajarisman Bambang Giyanto Bambang Giyanto Bambang Giyatno Bangun, Lela Mariati Br Basuki, J Basuki, Johanes Bhayu Adi Puspita Bima, Muhammad Rizki Aria Brata, Joko Tri Budi, Alfian Budiyanto, Sigit Ch. Endah Winarti Costa, Augusto Da Cris Kuntadi Cut Vania Utami, Cut Vania Dadang Supriyanto Daniyyah Damar Fitriyanti Darmawansyah Dewanti, Resti Mutiara Dian Kartika Sari Dian Retno Kencono Dian Retno Kencono Dian Rosdiana Dinu Rosyid Pramono Djamal Firmansyah Dodi Ilham Edi Yanto Edy Sutrisno Edy Sutrisno Edy, Hamdan Sarwo Enan Hasan Erfi Muthmainah Ety Kurniati Fauzia, Dwi vina Firman Hadi Rivai Fitriyanti, Daniyyah Damar Franky Fuad Akhdlori Galih Cheria Puspita Giyatno, Bambang Gustia Rakhmanita Hanafi Hari Hermita Hermita Herty Safitry Yunintasari Hilman, Ahmad Arief Hutabarat, David Hotman Ilham Arief Kusumawijaya Indira Cempakasari Irsyad, Muammar Iskandar Syah Ismoko, Yoga Hendy Jamaluddin ZA Janiah, Samrotul Johan Hendri Prasetyo Juliarini, Aniek Kalis Endah Wahyuni Krisnaningsih Krisnaningsih Lely Hiswendari Lia Mazia, Lia Margareth, Thania Mariyana Mariyana Marlina Nababan Marwaji Marwan, Jubery Maulana Malik Ibrahim Misra Mu'am, Ahmad Muammar Irsyad Muhammad Aulia Putra Saragih Muhammad Rizki Muhammad Taufiq Neneng Sri Rahayu Neneng Sri Rayahu Neneng Sri Wahyuni Nico Andrianto Nico Andrianto, Nico Nugroho, Michael Adhi Nurliah Nurdin Nurliah Nurdin Nurliah Nurdin Paiman Raharjo Pardede, Randhi Pertiwi, Aditya Endah Pramono, Dinu Rosyid Prasetyo, Johan Hendri Prima Setiawan Prita Yuniarti Ramayani Purnowiyanto Rachman, Hikmah Abdul Rahayu Rajab, Ridwan Randhi Pardede RANDHI PARDEDE Rathoyo Rasdan Rathoyo Rasdan Rathoyo Rasdan Rita Nur Pratiwi Rita Tri Damayantie Rizki Aprilani RN Afsdy Saksono Rochmad Nur Afsdy Saksono Ronald Titon Rudolf, David Rusmayanthy, Rusmayanthy S, Muh. Rizal Sappali, Winda Wahyuni Sendy Santika Sendy Santika Septiani, Tria Sirajuddin Saleh Sorrell, Galih Rosanti STIALAN, Sutanto Sudjali, Iwan Purwanto Sudrajat, Agus Tri Apriadi Tri Artharini Nungki Noor Susanti Oktaviani Triyadi Triyadi, Triyadi Utomo, Tri Widodo Wahyu Velayati, Ema Vitri Sarastuti Wahyuni, Kalis Endah Wibowo Wibowo Wibowo Widi Widayat Widia Puspa Dewi Widianto, Angger Wisnu Widjayanti, Arifiani Widya Handayani Widya Handayani Winda Wahyuni Sappali Wiwi Prapti Wulandari Wiwi Prapti Wulandari Yoniton, Wini Kartini Yulia Nurul Aini Yuliana, Lily Zahera Mega Utama Zahera Mega Utama, Zahera Mega