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All Journal Jurnal Al-Ijtimaiyyah Studia Economica: Jurnal Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah At-Tawassuth: Jurnal Ekonomi Islam At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Abdi: Jurnal Pengabdian dan Pemberdayaan Masyarakat EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Jurnal Paedagogy Al-Mubin: Islamic Scientific Journal El-kahfi : Journal of Islamic economics Jurnal Investasi Islam El-Ahli : Jurnal Hukum Keluarga Islam EKSYA: Jurnal Ekonomi Syariah Jurnal Pengabdian Masyarakat : Pemberdayaan, Inovasi dan Perubahan Al Dzahab Jurnal Manajemen ADILLA: Jurnal Ilmiah Ekonomi Syari'ah Journal of Law, Poliitic and Humanities Maqdis: Jurnal Kajian Ekonomi Islam Journal of Artificial Intelligence and Digital Business Amal: Jurnal Ekonomi Syariah Jurnal Ekonomi Kreatif Indonesia Mawaddah: Jurnal Hukum Keluarga Islam Sharia Economic and Management Business Journal (SEMBJ) Al-Mubtadi : Jurnal Pendidikan Guru Madrasah Ibtidaiyah Jurnal Ilmiah Multidisiplin Ilmu Assyarikah: Journal Of Islamic Economic Business Wealth: Journal of Islamic Banking and Finance J-Mabisya PESHUM Al-Hayat: Journal of Islamic Education Risalah Iqtisadiyah: Journal of Sharia Economics Jejak digital: Jurnal Ilmiah Multidisiplin JIMEK AICOS JIEFIS: Journal of Islamic Economics and Finance Studies Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan JIBF MADINA : Journal Islamic Banking and Finance Madina
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STRATEGI BAPPERIDA DALAM MENDORONG PENGEMBANGAN INOVASI DAERAH DI KABUPATEN MANDAILING NATAL Paisal Rahmat; Rahmad Hidayat Lubis; Reza Fansyuri; Juni Khairani; Aida Rahmi; Eli Saharni; Nur Aliyah
Jurnal Ilmiah Multidisiplin Ilmu Vol. 3 No. 1 (2026): Februari : Jurnal Ilmiah Multidisiplin Ilmu (JIMI)
Publisher : CV. Denasya Smart Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69714/vcbgey07

Abstract

This study aims to examine Bapperida's strategy in promoting regional innovation in Mandailing Natal Regency. A qualitative approach with a case study design was used. Data collection was conducted through in-depth interviews with key informants, observation of innovation activities, and review of regional planning and policy documents such as the RPJMD and RKPD. The findings indicate that Bapperida plays a crucial role as a policy maker and coordinator in integrating innovation into regional development planning documents. In addition, Bapperida functions as a facilitator that encourages cross-sector collaboration, including with the tourism, health, and fisheries agencies, to expand the application of innovation. The implementation of the strategy is carried out through strengthening coordination, facilitating collaborative forums and capacity-building workshops, assisting regional apparatus, and providing funding support for pilot projects. However, the effectiveness of the strategy still faces obstacles in the form of limited human resources and budget, weak coordination between regional agencies, and a monitoring and evaluation system that is not yet optimal. Therefore, optimization efforts are needed through increasing human resource capacity, developing innovation guidelines and SOPs, integrating innovation into the RKPD, and developing incentive mechanisms and sustainable regional performance evaluations.
The Axiology of Waqf in Islamic Education: A Hermeneutic Analysis of Junaid Thola's Thought Nasution, Marlian Arif; Ikbal, Muhammad; Rahmat, Paisal
Al-Hayat: Journal of Islamic Education Vol. 10 No. 2 (2026): Al-Hayat: Journal of Islamic Education
Publisher : LETIGES

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35723/ajie.v10i2.288

Abstract

The limited capacity of pesantren to develop Islamic education oriented toward institutional self-reliance in Mandailing Natal indicates an axiological problem in the management of waqf as a value-based instrument of education. In this context, the thought of Junaid Thola offers a historical–contextual perspective on waqf as the axiological foundation of Islamic education. This study aims to examine the relevance of Junaid Thola’s thought in Kaifiyyat (1927) as a basis for developing an Islamic education model grounded in Pesantrenpreneurship and productive waqf. The researchers employed a qualitative methodology with a multiple-case study design and conducted the study in six pesantren in Mandailing Natal (Musthafawiyah, Al-Junaidiyah, Darul Ikhlas, Darul Ulum, Darul Hadis, and Roihanul Jannah). A constructivist–interpretive approach is integrated with hermeneutic analysis to explore the relationship between classical Islamic texts and contemporary pesantren educational practices. The researchers collected data through in-depth interviews, observations, and document analysis and analysed them using interactive and abductive techniques supported by triangulation. The findings reveal that the relevance of Junaid Thola's thought within the context of pesantren-based Islamic education varies across institutions. Very high relevance is observed in pesantren with extensive waqf asset bases, whereas moderate relevance is found in pesantren with limited educational economic business units. Factors strengthening relevance include the availability of waqf assets and the coherence of leadership values with Islamic educational and business ethics, while limitations in physical assets function as constraining factors. Hermeneutic analysis of Kaifiyyat (1927) identifies 88 practical approaches to productive waqf encompassing six primary asset sources (agriculture, infrastructure, commerce, vocational activities, zakat, and collective contributions). These findings are synthesised into a Three-Pillar Axiological Model of Islamic Education, consisting of pesantren economic self-reliance (Asset Ontology), Islamic character education (Ethical Axiology), and Institutional Sustainability (Managerial Epistemology). This study contributes to the development of an integrative pesantren-based Islamic education model that bridges classical waqf thought with contemporary entrepreneurship-oriented educational practices.
Strategi Pemasaran Investasisyariah Di Era Influencer dan Media Sosial Adelina, Selvi; Pulungan, Indah Wahyuni; Rihalah, Saidah; Rahmat, Paisal
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7958

Abstract

Perkembangan teknologi digital yang masif telah membawa transformasi fundamental dalam strategi pemasaran global, tidak terkecuali pada industri investasi syariah. Penelitian ini bertujuan untuk menganalisis strategi pemasaran investasi syariah di era disrupsi digital, dengan fokus pada peran krusial media sosial dan influencer syariah dalam memengaruhi psikologi serta perilaku konsumen saat mengambil keputusan investasi. Metode penelitian yang digunakan adalah pendekatan kualitatif melalui studi kepustakaan (library research) yang menelaah berbagai referensi literatur ilmiah kontemporer. Hasil pembahasan menunjukkan bahwa pemanfaatan media sosial dan kolaborasi bersama influencer syariah memiliki peran strategis dalam meningkatkan literasi keuangan, membangun kepercayaan (trust) publik, serta memperluas jangkauan penetrasi pasar secara eksponensial. Meskipun demikian, penelitian ini mengidentifikasi beberapa tantangan signifikan, seperti rendahnya indeks literasi keuangan syariah di kalangan masyarakat luas, risiko misinformasi di ruang digital, serta isu kredibilitas pada sebagian komunikator digital. Di sisi lain, peluang pengembangan industri ini masih terbuka lebar seiring dengan meningkatnya tren gaya hidup halal (halal lifestyle) dan pesatnya kemajuan teknologi finansial (fintech). Sebagai rekomendasi, diperlukan integrasi strategi pemasaran yang mengedepankan edukasi berkelanjutan, optimalisasi konten digital yang informatif, serta pemilihan mitra influencer yang memiliki kompetensi syariah yang memadai. Seluruh strategi tersebut harus dijalankan dengan kepatuhan ketat terhadap prinsip etika bisnis Islam, yang mencakup aspek kejujuran (shiddiq), transparansi, dan amanah. Implementasi strategi pemasaran digital yang tepat diharapkan mampu meningkatkan partisipasi masyarakat secara masif sekaligus mendukung akselerasi pertumbuhan ekonomi syariah nasional yang berkelanjutan di masa depan.
Mekanisme Shariah Compliance pada Reksa Dana syariah: Tinjauan Regulasi dan Praktik di Indonesia Nst, Nabila Riski; Hasibuan, Maulana Sulaiman; Saputra, Muhammad Erwin; Rahmat, Paisal
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.8032

Abstract

Perkembangan pasar modal syariah di Indonesia dalam beberapa dekade terakhir menunjukkan peningkatan yang signifikan, khususnya pada produk reksa dana syariah yang semakin diminati oleh masyarakat. Namun, pertumbuhan tersebut juga diiringi dengan tantangan dalam menjaga konsistensi penerapan prinsip syariah dalam praktik pengelolaannya. Oleh karena itu, penelitian ini bertujuan untuk menganalisis konsep, regulasi, serta mekanisme shariah compliance pada reksa dana syariah di Indonesia, sekaligus mengidentifikasi berbagai kendala dalam implementasinya. Penelitian ini menggunakan pendekatan kualitatif dengan metode deskriptif melalui studi literatur terhadap berbagai sumber ilmiah dan regulasi terkait. Hasil penelitian menunjukkan bahwa penerapan shariah compliance dilakukan melalui mekanisme yang sistematis, meliputi proses screening terhadap instrumen investasi, cleansing terhadap pendapatan non-halal, pengelolaan dana oleh manajer investasi dengan akad syariah, pengawasan oleh Dewan Pengawas Syariah, serta transparansi dan pelaporan kepada investor. Selain itu, regulasi yang ada telah memberikan dasar hukum yang cukup kuat dalam mendukung kepatuhan syariah dan perlindungan investor. Namun, implementasi di lapangan masih menghadapi beberapa kendala, seperti rendahnya literasi keuangan syariah, keterbatasan instrumen investasi, serta kompleksitas produk keuangan modern. Berdasarkan hasil tersebut, dapat disimpulkan bahwa shariah compliance pada reksa dana syariah telah berjalan secara terstruktur, tetapi masih memerlukan penguatan melalui peningkatan edukasi, pengembangan instrumen, dan inovasi produk agar dapat berkembang secara optimal dan berkelanjutan.
Inovasi Produk Syariah dalam Menarik Investasi dari Sektor Hijau Billah, Salsa; Hapipah, Nur; Rifky, Mulia; Rahmat, Paisal
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.8158

Abstract

Investasi hijau syariah merupakan inovasi dalam sistem keuangan Islam yang mengintegrasikan prinsip syariah dengan tujuan pembangunan berkelanjutan. Konsep ini muncul sebagai respons terhadap meningkatnya isu perubahan iklim, kerusakan lingkungan, serta ketimpangan sosial dalam sistem ekonomi global. Dalam konteks ini, investasi tidak hanya berorientasi pada keuntungan finansial, tetapi juga memperhatikan dampak sosial dan lingkungan. Penelitian ini bertujuan untuk menganalisis berbagai produk inovatif dalam investasi hijau syariah, meliputi green sukuk, pembiayaan mudharabah–musyarakah hijau, indeks saham syariah hijau, serta reksa dana dan exchange-traded fund (ETF) syariah hijau. Selain itu, kajian ini juga membahas manfaat, tantangan, serta solusi dalam pengembangannya di Indonesia. Metode penelitian yang digunakan adalah pendekatan kualitatif deskriptif dengan teknik studi pustaka (library research), menggunakan data sekunder dari jurnal ilmiah, buku, serta laporan resmi terkait. Hasil penelitian menunjukkan bahwa investasi hijau syariah memiliki potensi besar dalam mendukung perlindungan lingkungan, mendorong pertumbuhan ekonomi inklusif, menarik minat investor global, serta meningkatkan literasi keuangan berkelanjutan. Namun demikian, pengembangannya masih menghadapi berbagai kendala, seperti rendahnya literasi masyarakat, keterbatasan regulasi dan standar hijau, tingginya biaya transaksi, serta minimnya transparansi pengukuran dampak lingkungan. Oleh karena itu, diperlukan penguatan regulasi, peningkatan edukasi, pemberian insentif fiskal, serta kolaborasi lintas sektor agar investasi hijau syariah dapat berkembang secara optimal dan berkontribusi nyata terhadap pembangunan berkelanjutan di Indonesia.
DIGITAL TRANSFORMATION AND ITS IMPLICATIONS FOR THE FUNCTIONS OF BASIC EDUCATION MANAGEMENT: A LITERATURE REVIEW Kasman, Kasman; Rahmat, Paisal; Nasution, Marlian Arif
Al-Mubtadi: Jurnal Pendidikan Guru Madrasah Ibtidaiyah Vol. 3 No. 2 (2026)
Publisher : Prodi Pendidikan Guru Madrasah Ibtidaiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58988/almubtadi.v3i2.1145

Abstract

Digital transformation in elementary education is influenced by culture and ways of thinking. Change often hinders elementary education institutions, both in terms of organizational culture and individual perspectives. New perspectives and methods in elementary education are necessary for digital transformation. The purpose of this article is to explain how digital transformation and its implementation impact management in elementary education, using a keyword search for “digital transformation in education.” The research findings reveal that digital transformation brings significant benefits in improving operational efficiency, enhancing data accessibility, and elevating the quality of services provided to various stakeholders. However, significant challenges and obstacles are also encountered along this transformation journey. Resistance to change, data security challenges, financial constraints, and a lack of technical skills are some of the aspects that need to be carefully addressed. Brough the development of robust policies, investment in data security, employee training, and effective management support, elementary schools can overcome these obstacles and maximize the benefits of digital transformation. In addition to facilitating the learning process, digital transformation has also become a strategic tool for planning, monitoring, and evaluating academic activities and management functions within educational institutions. While it has been implemented in various forms, its implementation remains inconsistent across educational institutions.
The Effect of Return on Assets (ROA) and Return on Equity (ROE) on the Movement of Sharia Stock Prices of PT. Bank Syariah Indonesia Tbk for the Period 2021-2024 Paisal Rahmat; Ainun Nisa Brt; Enni Sari Siregar; Afriadi Sanusi
Sharia Economic and Management Business Journal (SEMBJ) Vol. 7 No. 2 (2026): Sharia Economic and Management Business
Publisher : Yayasan Darussalam Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62159/sembj.v7i2.1904

Abstract

The number of stock investors in 2024 reached 6.37 million stock investors out of a total of 14.84 million capital market investors. This share price is determined based on transactions that occur on the stock exchange market, namely in the form of investor demand and supply, so it is very important for investors to have the expertise to determine which company and when is the right time to buy shares. It can also be seen through how much the company is profitable, Return On Asset (ROA) and Return On Equity (ROE) are indicators that can measure the company's ability to generate profits. This study aims to determine the effect of Return On Asset (ROA) and Return On Equity (ROE) on stock price movements at PT Bank Syariah Indonesia Tbk for the 2021-2024 period. By using Quantitative research methods. The test t results on the Return On Asset (ROA) variable Probability value <0.005, which is equal to 0.0144, Ha is accepted, meaning that Return On Asset (ROA) has an influence on the movement of the share price of PT Bank Syariah Indonesia Tbk, and Return On Equity (ROE) with a Probability value> 0.05, which is equal to 0.4803 Ha is rejected, meaning that Return On Equity (ROE) has no influence on stock price movements at PT Bank Syariah Indonesia Tbk. Meanwhile, the Return On Asset (ROA) and Return On Equity (ROE) variables simultaneously produce a Probability value <0.05, namely 0.0009, so Ha is accepted, meaning that there is a simultaneous influence between the Return On Asset (ROA) and Return On Equity (ROE) variables on the share price movement of PT Bank Syariah Indonesia Tbk for the 2021-2024 period
Membangun Portofolio Investasi Syariah Yang Berkelanjutan Bagi Investor Pemula MHD Asril; Eli Saharni; Mia Juliani; Paisal Rahmat
AMAL: Jurnal Ekonomi Syariah Vol. 8 No. 1 (2026): Juni
Publisher : UIN AM. Sangadji Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33477/eksy.v8i1.9558

Abstract

Investasi syariah merupakan alternatif investasi etis dan berkelanjutan yang berkembang pesat seiring meningkatnya kesadaran masyarakat Muslim akan pentingnya berinvestasi sesuai prinsip syariah. Penelitian ini bertujuan untuk mengidentifikasi konsep, strategi, dan instrumen yang dapat digunakan dalam membangun portofolio investasi syariah yang optimal dan berkelanjutan. Metode yang digunakan adalah penelitian pustaka kualitatif, dengan mengkaji berbagai literatur, jurnal, dan dokumen terkait investasi syariah. Hasil penelitian menunjukkan bahwa keberhasilan portofolio syariah ditentukan oleh pemahaman prinsip dasar syariah, strategi diversifikasi, pemilihan instrumen yang tepat seperti saham syariah, sukuk, reksa dana syariah, dan emas, serta pengelolaan risiko yang sesuai dengan profil investor. Selain keuntungan finansial, investasi syariah juga memberikan dampak sosial positif dan mendukung ekonomi berkelanjutan. Kata kunci : Portofolio, investasi, syariah
Strategi Peningkatan Kualitas Pelayanan Sertifikasi Tanah di Kantor Pertanahan Kabupaten Mandailing Natal Kecamatan Panyabungan Paisal Rahmat; Lely Afriani; Ummi Hannum; Emelia Anjani; Mulyadi Hakim; Ahmad Faisal Tanjung; Amir Husin
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 3 (2026): MEI 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/5gss0a20

Abstract

This study aims to analyze strategies for improving the quality of land certification services at the Kantor Pertanahan Kabupaten Mandailing Natal. Land certification services constitute an important form of public service in ensuring legal certainty of land ownership rights for the community. In practice, there are still various administrative, technical, and social challenges that affect service effectiveness. Therefore, appropriate strategies are required to enhance service quality so that it becomes more effective, efficient, transparent, and accountable. This research employs a qualitative method with a descriptive approach. The findings indicate that strategies to improve service quality are implemented through three main aspects: organizational structure development, simplification of service systems and procedures, and strengthening of service culture. Organizational structure development is carried out through a clear division of duties and functions in accordance with job descriptions. The simplification of systems and procedures is implemented through the application of Standard Operating Procedures (SOPs) and the provision of transparent administrative requirement information. Meanwhile, strengthening service culture is reflected in the friendly, responsive, and professional attitude of employees in serving the public.
Tantangan Pasar Saham Indonesia dan GCC: Studi Risiko dan Return pada Investasi di Pasar Modal Lily Muthia Arini; Fitri Kholilah; Mhd Avif Rahman; Paisal Rahmat
PESHUM : Jurnal Pendidikan, Sosial dan Humaniora Vol. 5 No. 4: Juni 2026
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/peshum.v5i4.19282

Abstract

Perkembangan pasar modal syariah di Indonesia dan kawasan Gulf Cooperation Council menunjukkan karakteristik investasi yang berbeda dalam aspek risiko dan return. Penelitian ini bertujuan membandingkan karakteristik risiko dan return pasar saham syariah Indonesia dan GCC serta mengidentifikasi tantangan struktural yang memengaruhi efisiensi investasi. Penelitian menggunakan pendekatan kualitatif dengan metode studi kepustakaan berdasarkan data sekunder berupa laporan lembaga resmi, publikasi ilmiah, dan dokumen kebijakan terkait pasar modal syariah. Populasi penelitian mencakup literatur mengenai kinerja pasar saham syariah Indonesia dan GCC, sedangkan sampel berupa sumber terpilih yang merepresentasikan indikator volatilitas, pola return, dan Sharpe Ratio. Instrumen penelitian menggunakan teknik dokumentasi dengan kerangka analisis komparatif, sedangkan teknik analisis data menggunakan analisis deskriptif komparatif. Hasil penelitian menunjukkan bahwa pasar Indonesia memiliki potensi return lebih tinggi dengan volatilitas lebih besar, sedangkan pasar GCC menunjukkan stabilitas lebih baik dengan efisiensi risk adjusted return yang lebih tinggi. Kesimpulan penelitian menunjukkan bahwa strategi diversifikasi lintas kawasan antara Indonesia dan GCC dapat meningkatkan keseimbangan portofolio serta mendukung keputusan investasi syariah yang lebih optimal.
Co-Authors Ade Arga Wahyudi Adelina, Selvi Affandi, Faisal Afriadi Sanusi Afriadi Sanusi Ahmad Faisal Ahmad Faisal Tanjung Ahmad Faisal Tanjung Ahyar Hamdi Pulungan Aida Rahmi Aida Rahmi AIDIL NOVIA Ainun Nisa Brt Alek Wissalam Bustami Alimuddin HM Alimuddin HM Alwi Bisri Amir Husin Amir Husin, Amir Apriani, Lely Aulia, Nurhikmah Bayu Purnomo Billah, Salsa Eli Saharni Eli Saharni Emelia Anjani Enni Sari Siregar Fadhilah Hanum Lubis Ferdiansyah Fitri Amanda Nasution Fitri Kholilah Fitri, Meliani Hamdanil, Hamdanil Hannum, Ummi Hapipah, Nur Hasibuan, Maulana Sulaiman Hasnawiyah Hasnawiyah Ian Alfian Ibs, Juni Khairani Ilham Putra Usmayani Ira Nabila Nasution Juni Khairani Juni Khairani Ibs Jureid, Jureid Kasman Kasman Kasman Kasman Khoiriah, Midatul Kholidatun Napisah Lely Afriani Lely Apriani Lily Muthia Arini Lubis, Delima Sari Lubis, Fadhila Hanum Marlian Arif Nasution Marlian Arif Nasution Matondang, Riswandi Maulana Muklis Maulana Muklis MHD Asril Mhd Avif Rahman MHD Reski Padly Lubis Mia Juliani Monita Rangkuti Mufti Fahrizal Harahap Muhammad Fauzi Muhammad Ikbal Muhammad Irsan Barus Muhammad Luthfi Mulyadi Hakim Mursal Mursal Nasution, Fitri Amanda Nasution, Ira Nabila Nasution, Rizky Auliya Nasution, Royhan Mustopa Nayla Putri Hasibuan Nisa Brt, Ainun Nst, Nabila Riski Nur Aliyah Nur Hayani Lubis Nur Hidayah Batubara Nur Mutiah Pulungan, Ahyar Hamdi Pulungan, Indah Wahyuni Purnama Zein Nasution Putra, Haris Maiza Putri Khairani, Zenni Rahmad Hidayat Lubis Rahmad Hidayat Lubis Rahmi, Aida Reza Fansyuri REZKI AGRISA DITAMA Rifky, Mulia Rihalah, Saidah Rini Wahyuni Batubara Riski Rahmadani Riski Ramadani Risky Hamonangan Risna Hayati Saniah Ilma Lubis Saputra, Muhammad Erwin Siti Sahara Siti Sarah SITI SOPUROH Syamratun Nurjannah Thalita Nur Hifda Ummi Hannum Widia Sulastri Yahya Mardana Yusril Mahendra Zuhdi Hasibuan