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MUHAMMAD SAID
UIN Sunan Kalijaga
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Islamic Microfinance Institutions and Non-Performing Financing (NPF): Challenges and Strategic Response Using Analytic Network Process (ANP) Approach Said, Muhammad; Maulana, Hartomi; Yudi Astuti, Rahma
MUSLIM HERITAGE Vol 10 No 2 (2025): Muslim Heritage: Jurnal Dialog Islam dengan Realitas
Publisher : Universitas Islam Negeri Kiai Ageng Muhammad Besari Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/muslimheritage.v10i2.11964

Abstract

Non-Performing Financing (NPF) is financing that does not comply with the initial contract schedule, causing disruption to the cash flow of Islamic microfinance institutions. The average Non-Performing Financing (NPF) of Islamic Microfinance Institutions (MFIs) in 2023 reached 13.09%. The urgency of this study reveals that Islamic MFIs or popularly called as Baitul Maal wa Taamwil (BMT) can be an alternative platform to enhance financial inclusion since they reach out even remote areas. However, NPF is often a problem faced by BMT. The purpose of this study is to analyse the issue of NPF in Islamic MFIs in Indonesia. The study also examines strategies to address issue of NPF in Islamic MFIs in Indonesia. To achieve the research objectives, the method used is through a qualitative approach with Analytic Network Process (ANP) used to be as analysis technique. Primary data sources were obtained through forum group discussions (FGDs) and pair-wise questionnaires and interviews with 10 respondents who are considered experts in related fields. The results of this study indicate that based on the ANP results internal management issue as main problem that causes NPF occur, followed by internal human resource issues, debtor/customer issues and regulatory issues. Main priority of the settlement strategy of NPF include strategy of improving internal management by improving internal human resources, then increasing sharia literacy, and government policy. The study suggests as the issues on internal management is in top rank, the Islamic MFIs should improve internal management elements including enhancing accountability and conducting professional administration.     Abstrak Pembiayaan macet (Non-Performing Financing - NPF) merupakan pembiayaan tidak lancar yang tidak sesuai jadwal kontrak awal, menyebabkan terganggunya arus kas lembaga keuangan mikro Syariah.  NPF pada Lembaga Keuangan Mikro Syariah (LKMS) pada tahun 2023 mencapai 13,09%. Urgensi penelitian ini mengungkapkan bahwa BMT dapat sebagai solusi keuangan inklusif dengan penyebarannya hingga daerah terpencil, yang dapat berinteraksi langsung kepada masyarakat pelaku Usaha Mikro Kecil (UMK). Sehingga NPF kerap menjadi sebuah persoalan yang dihadapi BMT. Dengan demikian tujuan penelitian ini adalah untuk menganalisis isu permasalahan penyebab terjadinya NPF pada LKMS di Indonesia dan menganalisis strategi guna meminimalisir kembali terjadinya NPF pada LKMS di Indonesia. Untuk mencapai tujuan penelitian, pendekatan kualitatif dengan Analytical Network Process (ANP) sebagai teknik analisis digunakan dalam studi ini. Metode ini dapat membantu hasil pengambilan keputusan atau sebuah kebijakan dalam mendapatkan alternatif terbaik diantara isu-isu dan strategi dihasilkan dengan menampilkan urutan prioritasnya. Sumber data primer didapatkan melalui forum group discussion (FGD), kuesioner pairwaise comparison, dan interview dengan 10 responden yang dianggap pakar dalam bidang terkait, yang terbagi dari regulator, akademisi dan praktisi. Hasil penelitian ini prioritas utama isu permasalahan NPF pada BMT terjadi pada manajemen internal, diikuti isu SDM internal, isu debitur/nasabah dan isu regulasi. Sedangkan prioritas utama strategi penyelesaiannya adalah peningkatan manajemen internalnya, diikuti peningkatan SDM internal, lalu peningkatan literasi syariah, dan kebijakan pemerintah. Penelitian ini menunjukkan karena isu manajemen internal berada pada peringkat teratas, LKM Islam harus meningkatkan elemen manajemen internal termasuk meningkatkan akuntabilitas dan melakukan administrasi profesional
Enhancing Islamic financial inclusion in Indonesia: Innovative strategies for rural and eastern regions Said, Muhammad; Putra, Arya Nirwansyah Dwi; Tahir, Muhammad; Selfiani, Selfiani; Madi, Abdullah Habar
Priviet Social Sciences Journal Vol. 5 No. 12 (2025): December 2025
Publisher : Privietlab

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55942/pssj.v5i12.941

Abstract

This study aims to enhance Islamic financial inclusion in rural and eastern regions of Indonesia through innovative strategies, focusing on challenges related to access, literacy, infrastructure, and public trust issues. Using a qualitative library-based approach, this study analyzes literature from indexed journals, reports from the Financial Services Authority (OJK), and government policies published between 2018 and 2025. Data collection involves systematic literature searches using keywords such as “Islamic financial inclusion” and “Islamic fintech.” Content analysis is employed to identify patterns, challenges, and formulate strategies, with source triangulation to ensure validity. Research Findings Islamic financial inclusion in Indonesia stands at only 12.88%, significantly lower than the national inclusion rate (75.02%), due to limited access in rural areas (68.49%), low Islamic financial literacy (39.11%), geographic barriers, inadequate infrastructure, and product mismatches. Innovative strategies include: (1) contextual financial products such as musyarakah-based financing, (2) infrastructure strengthening through Islamic rural banks (BPRS) and digitalization, (3) financial literacy education, and (4) community-based awareness campaigns. Islamic fintechs (e.g., Alami, Ammana) show potential to overcome geographic constraints, though they are hindered by limited Internet penetration (60%) and digital literacy. These innovative strategies offer practical guidance for stakeholders to boost Islamic financial inclusion through contextual products, digitalization, community-based education, and women’s empowerment via MSMEs, supporting poverty alleviation and inclusive economic growth.
Peningkatan Motivasi Melanjutkan Pendidikan melalui Sosialisasi Jenjang Pendidikan Lanjut di Madrasah Aliyah Mambaul Ulum, Kabupaten Kubu Raya Arkanudin, Arkanudin; Batuallo, Ignasia Debbye; Junida, Dwi Surti; Hildawati, Hildawati; Said, Muhammad
Lumbung Inovasi: Jurnal Pengabdian kepada Masyarakat Vol. 10 No. 4 (2025): December
Publisher : Lembaga Penelitian dan Pemberdayaan Masyarakat (LITPAM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/6b50hs51

Abstract

Rendahnya motivasi siswa madrasah di daerah pedesaan untuk melanjutkan pendidikan tinggi menunjukkan adanya gap akademik terkait keterbatasan literasi pendidikan lanjut, informasi beasiswa, serta minimnya model pendampingan karier berbasis madrasah yang secara ilmiah jarang dikaji dalam konteks penguatan self-determination siswa. Untuk menjawab urgensi tersebut, kegiatan ini menerapkan sosialisasi partisipatif kepada 80 siswa Madrasah Aliyah Mambaul Ulum melalui pemaparan materi, sesi motivasi, diskusi interaktif, serta evaluasi deskriptif menggunakan pre-test dan post-test yang berfungsi sebagai indikator awal perubahan pemahaman, bukan sebagai instrumen validasi psikometrik. Hasil evaluasi menunjukkan adanya peningkatan skor pemahaman dari rata-rata 45% menjadi 88%, dan 90% siswa melaporkan peningkatan minat untuk melanjutkan pendidikan. Temuan ini menunjukkan adanya kecenderungan positif setelah intervensi, meskipun tidak dapat diklaim sebagai hubungan kausal karena tidak melibatkan kelompok kontrol. Novelty kegiatan ini terletak pada integrasi model sosialisasi dua arah dengan testimoni alumni dan booklet beasiswa sebagai pendekatan inovasi sosial pendidikan yang memperkaya kajian mengenai motivasi belajar di lingkungan madrasah pedesaan. Enhancing Students’ Motivation for Higher Education through Educational Level Socialization at Madrasah Aliyah Mambaul Ulum, Kubu Raya Regency Abstract The low motivation of madrasah students in rural areas to continue their higher education indicates an academic gap related to limited literacy in further education, scholarship information, and the lack of madrasah-based career mentoring models that are rarely scientifically studied in the context of strengthening student self-determination. To address this urgency, this activity implemented participatory socialization for 80 students of Madrasah Aliyah Mambaul Ulum through material presentations, motivational sessions, interactive discussions, and descriptive evaluations using pre- and post-tests that functioned as early indicators of changes in understanding, not as psychometric validation instruments. The evaluation results showed an increase in understanding scores from an average of 45% to 88%, and 90% of students reported an increased interest in continuing their education. These findings indicate a positive trend after the intervention, although it cannot be claimed as a causal relationship because it did not involve a control group. The novelty of this activity lies in the integration of a two-way socialization model with alumni testimonials and scholarship booklets as a social innovation approach to education that enriches the study of learning motivation in rural madrasah environments.
Gamified Financialization in The Light of Islamic Behavioural Economics: Psychological and Ethical Dimensions of Speculative Behaviour in Virtual Asset Markets Said, Muhammad; Andi Kiki Patmawati; Minhajuddin Madi; Sry Muliyani; Andi Dinul Islam Firdaus
International Journal of Islamic Business and Economics (IJIBEC) Vol 9 No 2 (2025): Volume 9 Nomor 2 Tahun 2025
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v9i2.12596

Abstract

The phenomenon of gamification in virtual asset trading has transformed investment behavior into an activity driven by psychological mechanisms such as Fear of Missing Out (FOMO), overconfidence, herding behavior, and loss aversion. This study aims to analyze how gamified design in digital trading platforms fosters speculative behavior that violates Islamic ethical principles such as tawazun (balance between risk and benefit), gharar (excessive uncertainty), and maisir (gambling). Employing a qualitative approach through a systematic literature review of academic journals and industry reports, the study finds that features such as real-time notifications, leaderboards, and reward animations increase trading frequency, risk-taking, and market volatility. These dynamics create asymmetry in risk and reward, disproportionately harming low-literacy retail investors. The study concludes that digital financial innovation must be balanced with ethical regulation, financial literacy, and maslahah-based design to ensure market justice and sustainability in line with Islamic economic principles. This research contributes to strengthening Islamic financial ethics and integrating maqasid al-shariah values into modern digital finance innovation
PELATIHAN & PENDAMPINGAN PEMBUATAN PRODUK PUPU’ KHAS MANDAR DARI IKAN TERBANG PADA KELOMPOK MOSSO INDAH & SEAMASEI DI KELURAHAN MOSSO, SULAWESI BARAT Nur, Muhammad; Tenriware, Tenriware; Tikawati, Tikawati; Nasyrah, Adiara Firdhita Alam; Ihsan, Muhammad Nur; Ayuandiani, Wulan; Sapri, Rasti; Said, Muhammad
Jurnal Abdi Insani Vol 12 No 11 (2025): Jurnal Abdi Insani
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v12i11.3082

Abstract

Mosso Village, located on the coast of West Sulawesi, has abundant fishery resources, especially flying fish. However, its utilization is still limited to consumption in the form of fresh, smoked, and dried fish, so it has not provided optimal economic value. This condition encourages the need for innovation in fishery product processing to add value and sustainability. One of the efforts made is through training and assistance activities based on coastal community empowerment. The purpose of the activity is to increase the knowledge and skills of the community in processing flying fish into high economic value pupu' products, while strengthening the capacity of the Mosso Indah and Seamasei groups as local business actors. The activity methods include material delivery, demonstrations, and direct practice of making flying fish pupu'. The activity was held on August 31, 2025, at Café Inna, Labuang Neighborhood, Mosso Village, and was attended by 40 participants from the two groups. Knowledge measurement was conducted using pre-tests and post-tests on a scale of 0–100, while skills were assessed on a scale of 1–4. (40 words) The results showed an increase in participants' average knowledge score from 56.2 to 88.5 after the training. A total of 87.5% of participants achieved a skill level of ≥3, indicating good ability in the production and packaging of pupu'. During the activity, one flying fish pupu' product was produced according to standards. Participants showed high enthusiasm to continue production independently and began to form local group-based marketing networks. In conclusion, the training and mentoring activities for making flying fish pupu' succeeded in increasing the knowledge and skills of coastal communities and have the potential to strengthen sustainable local economic independence.
A. PENGARUH GREEN PRODUCT, ECO-FRIENDLY PACKAGING, DAN GREEN ADVERTISING TERHADAP KEPUTUSAN PEMBELIAN PADA PRODUK WARDAH DI TOKO GUARDIAN PALEMBANG ICON Novianti, Omega; Said, Muhammad; Junaidi, Herlan
JEMBATAN (Jurnal Ekonomi, Manajemen, Bisnis, Auditing, dan Akuntansi) Vol 10 No 2 (2025): JEMBATAN (Jurnal Ekonomi, Manajemen, Bisnis, Auditing, dan Akuntansi)
Publisher : P3M STIE Mulia Darma Pratama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54077/jembatan.v10i2.231

Abstract

Penelitian mengenai Pengaruh Green Product, Eco-Friendly Packaging, Dan Green Advertising Terhadap Keputusan Pembelian Pada Produk Wardah Di Toko Guardian Palembang Icon, hasilnya adalah pertama, Variabel green product, eco-friendly packaging, dan Green advertising berpengaruh positif dan signifikan terhadap keputusan pembelian. Kedua, Green product memiliki pengaruh positif dan signifikan terhadap keputusan pembelian, menunjukkan bahwa konsumen cenderung membeli produk yang memiliki kualitas, keamanan, dan keberlanjutan yang baik. Ketiga, Eco-friendly packaging tidak memiliki pengaruh signifikan terhadap keputusan pembelian, meskipun konsumen menyadari manfaatnya, namun atribut ini belum menjadi prioritas utama dalam pengambilan keputusan. Terakhir, Green advertising memiliki pengaruh positif dan signifikan terhadap keputusan pembelian, menunjukkan bahwa iklan yang menekankan nilai-nilai keberlanjutan dan tanggung jawab sosial dapat menciptakan daya tarik emosional dan etis bagi konsumen.
A SECURE DIGITAL TRADING PLATFORM FOR ONLINE GAME ACCOUNTS USING DUAL AUTHENTICATION AND SMART PAYMENT INTEGRATION Nurkholis, Lalu Moh.; Sudirman, San; Maspaeni; Said, Muhammad
Jurnal Kecerdasan Buatan dan Teknologi Informasi Vol. 5 No. 1 (2026): January 2026
Publisher : Ninety Media Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69916/jkbti.v5i1.422

Abstract

The rapid growth of online gaming has increased the economic value of game accounts, leading to the emergence of online game account trading. However, most transactions are still conducted through informal channels, such as social media and online forums, which lack security, transparency, and reliable transaction records. This study aims to design and implement a web-based information system for online game account buying and selling by integrating OTP-based dual authentication and a payment gateway to improve security and transaction efficiency. The system was developed using the Waterfall method, consisting of requirement analysis, system design, implementation, testing, and maintenance stages. UML diagrams and an Entity Relationship Diagram were used to model system functionality and database structure. The system was implemented using PHP and MySQL and supports key features such as user management, game account management, secure login with OTP, transaction processing, payment gateway integration, reviews, and complaints. Black-box testing results indicate that all system functions operate according to the defined requirements. The implementation of OTP-based authentication improves access security by reducing the risk of unauthorized account use, while payment gateway integration ensures accurate and automated payment verification. The system also enhances transaction transparency through digital transaction records and purchase history. The results show that the proposed system provides a secure, efficient, and practical solution for online game account trading in a local business environment, supporting digital transformation and service professionalism for small-scale enterprises.
Dakwah and Conflict Resolution in Palu City: Religious Authorities and Habib Ratan Agency : (Sunnah Living Perspective) Rahim, Muhammad Rafiiy; Hamdani, Fikri; Said, Muhammad
PAPPASANG Vol. 7 No. 2 (2025): Jurnal Pappasang
Publisher : STAIN Majene

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46870/jiat.v7i2.2110

Abstract

This study analyzes the construction of religious authorities and religious leaders' agencies in the resolution of social conflicts through the perspective of living sunnah, with a case study of the role of Habib Rotan in the conflict of the Manunda Presidential Market, Palu City. This study criticizes the dominant perspective that positions religion as a trigger for conflict by affirming its role as a source of religious peacebuilding. The research employs a qualitative approach that includes case studies within the framework of religious authority theory, structuring theory, and living sunnah. Data were obtained through observation, interviews, documentation, and literature studies and then analyzed using the Miles and Huberman model. The results of the study show that religious authority is formed through the dialectic of genealogical capital, scientific legitimacy, social charisma, and the institution of the dhikr assembly. Religious agencies are carried out through soft power strategies, collaborative mediation, and internalization of the values of ishlah, tasamuh, and rahmah, thereby strengthening the social cohesion of multicultural communities.
Pengorganisasian Kelompok Tani Panca Karya di Desa Bangun Rejo Kabupaten Kutai Kartanegara Suhardiman, Suhardiman; Marsuq, Marsuq; Jamiah, Jamiah; Said, Muhammad; Rahmawati, Aisha Maulia; Atapukan, Ruhana
Jurnal Medika: Medika Vol. 5 No. 1 (2026)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/1jh30v34

Abstract

Pengabdian kepada masyarakat ini bertujuan untuk (1) meningkatkan kapasitas pengetahuan, keterampilan dan sikap anggota kelompok tani dalam menerapkan mekanisme pertanian modern; (2) meningkatkan akses sumber daya dan teknologi; dan (3) meningkatkan kemampuan membuat perencanaan bisnis Usaha Kelompok Tani. Metode yang digunakan dalam Pengabdian kepada Masyarakat ini melalui 5 tahapan dengan 8 kegiatan: 1) persiapan; 2) sosialisasi dan focus group discussion; 3) pelatihan pertanian modern; 4) penyaluran dan bimbingan teknis perakitan, penggunaan dan perawatan alat dan mesin pertanian modern; 5) pelatihan penyusunan perencanaan bisnis (business plan) usaha kelompok tani; 6) pendampingan dan fasilitiasi pengorganisasian kelompok tani; dan 7) Monitoring dan Evaluasi; dan 8) Keberlanjutan Program. Hasil pengabdian kepada masyarakat ini adalah meningkatnya kapasitas pengetahuan dan keterampilan anggota kelompok tani dalam menerapkan mekanisme pertanian modern, penggunaan pupuk dan pestisida secara efisien, pengendalian hama dan penyakit, meningkatnya pengetahuan petani dalam merakit, menggunakan dan merawat alat-alat dan mesin pertanian yang diberikan, meningkatnya kemampuan dan keterampilan pengorganisasian kelompok tani untuk bekerjasasama, bermitra dan bernegosiasi dengan pemerintah dan pasar (swasta), meningkatknya akses sumber daya dan teknologi serta tersusunnya dokumen bussiness plan di tingkat Kelompok Tani Panca Karya.
Adsorption and Photocatalytic Activity of Bentonite–Titanium Dioxide on The Degradation of Methylene Blue Dyes Said, Muhammad; Erlangga, Niko; Alfarado, Daniel; Suheryanto, Suheryanto; Nurnawati, Elisa
IJFAC (Indonesian Journal of Fundamental and Applied Chemistry) Vol 8, No 3 (2023): October 2023
Publisher : IJFAC (Indonesian Journal of Fundamental and Applied Chemistry)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24845/ijfac.v8.i3.126

Abstract

The aim of this research is to determine the effect of bentonite-Titanium dioxide (Benonite-TiO2) composite on the degradation process of methylene blue. It was carried out by synthesizing the composite through the impregnation of Titanium dioxide (TiO2) on bentonite and then characterizing the obtained compound using XRD and SEM-EDX. The results of the XRD characterization showed that there was a shift in the diffraction angle (2θ), which indicated the success of the impregnation procedure. The morphology of the composite showed that the bentonite surface had been filled with TiO2, as evidenced by the results of the EDX analysis, which showed a 7.03% increase in Titanium. Furthermore, the degradation process was carried out using various variables, including contact time, the ratio of composite weight to dye, and by irradiation with a UV lamp at a wavelength of 352 nm UV. It was discovered that the best degradation in the concentration of methylene blue occurred at a maximum contact time of 90 minutes and at a maximum weight of 10 mg of benonite-TiO2, with an effectiveness of 99.91% after irradiation and 92.26% without irradiation.
Co-Authors A. Taufik Arief Aam Rusydiana, Aam Abd. Rahman Abdillah, Fardan Abdul Wahab Mohammad, Abdul Abdullah, Mahmoud Addy Rachmat Adiara Firdhita Alam Nasyrah Adipati Napoleon Ady Mara, Ady Afreni Hamidah Agustiarini, Vitri Ahmad Dzul Ilmi Syarifuddin Ahmad Tarmizi Talib, Ahmad Tarmizi Akbar, Firman Muhammad Abdurrohman Aldes Lesbani Alfarado, Daniel Amri Amri Anang Wahid M.Diah Andi Dinul Islam Firdaus Andi Kiki Patmawati Anggreini, Fevica Dwi Ansar Suyuti Aprianti, Tine Ariandi, Muhammad Amir Arief Mufraini, Arief Arif, M. Rafly Al Farezy Arkanudin Arkanudin Armaini, Sri Atapukan, Ruhana Awaliyah, Annisa Nurhikmah Ayuandiani, Wulan Bambang Yudono Batuallo, Ignasia Debbye Bayinah, Ai Nur Bijak Riyandi Ahadito Bunyamin, A. Bunyamin, Andi Bustan Bustan Cendhikalistya, Gustrin Oktaviayu Danovan, Seno David Bahrin Dedi Rohendi Desmadi Saharuddin, Desmadi Desnelli Desnelli Dhamayanti, Erika Dwi Surti Junida Dwipayana, Hendra Eddy Ibrahim Elisa Nurnawati Erlangga, Niko Faqih, Ahmad Abdullah Fatma Fatma Fauziah, Fenty Ferlinahayati Ferlinahayati Fikri Hamdani Gaffar, Farida Giri Dwinanda Hartomi Maulana Hasanudin Hasanudin Hasanudin Hayati, Tiara Nur Heni Yohandini herlan junaidi, herlan Hidayat, Raihan Hildawati Hildawati, Hildawati Ibrahim Ibrahim Ida Ayu Putu Sri Widnyani Ikram, Ahmad Indriyanti Izzudin, Muhammad Jam'an, Andi Jamiah Jamiah, Jamiah Julinar Julinar Jumadi Jumadi Kasnelly, Sri Kuswandi Kuswandi Lambang Basri Said Leily Nurul Komariah Lili Puspita Sari Madi, Abdullah Habar Madi, Minhajuddin Maesarah, Aolia Mappanganro, Mappanganro Marsuq Marsuq Maspaeni Masud, Masdar Meiliza, Cici Miftahul Jannah Minhajuddin Madi Mirani, Mirani Mirna Apriani mohamad jamil Mona Lisa, Mona Muhammad Faisal Muhammad Faizal Muhammad Hendri Muhammad Nur Muhammad Nur Ihsan, Muhammad Nur Muhammad Rafi'iy Rahim Muhammad Shohib, Muhammad Muhammad Tahir Muhammad Taufiq Muhammad Yunus Muhammad Yusuf Muhammad, Firman Muharam, Akbar Malik Muhyin, Muhyin Musifa, Eva Mustakim Mustakim Nafis, Muhammad Cholil Najma Annuria Fithri, Najma Annuria Nani Nagu Nova Yuliasari Novia Novia Novianti, Omega Nurkholis, Lalu Moh. Nurlailia, Umi Nurlisa Hidayati Nurusshobah, Nurusshobah Okzani, Syahrial Paizin, Khaerul Pardi, M. Habib Husnial Pawesty, Enik Poedji Loekitowati Hariani Pratama, Syahrul Putra, Arya Nirwansyah Dwi Rahmawati, Aisha Maulia Rahmawati, Rahmawati Rasiam, Rasiam rendana, muhammad Restika, Indah Rinaldi, Rizki RINI RINI Risfidian Mohadi Rizki, Widya Twiny Rizkiani, Delisa Rohmawati, Wiwin Siti Aminah SABARUDDIN, . Sabbahatun, Sri Safitri, Siska Said, Muhammad Ide Sakmawati, Sakmawati Sakur Jaelani, Muammad Sapri, Rasti Satibi, Ibi Satria Jaya Priatna, Satria Jaya Sayakhmad, Olimov Selfiani Selfiani, Selfiani Selpiana, Selpiana Siti Asiah Siti Rozaimakh Sheikh Abdullah, Siti Solly Aryza Sri Mulyani Sabang Sry Muliyani Subroto Subroto Suci Wulandari Sudirman, San Suhardiman Suhardiman Suheyanto Suheryanto Sulaiman, Adibah Suparta, Munzier Suprani, Yun - Surahman Amin, Surahman Suroso, Eddy Suswanto, Riza Eko Suyuti, Muh Zulfadli A Syahrir, Dimas Kenn Syahriyah Semaun, Syahriyah Syarif Hidayattullah, Ahmad Syarkawi, Mukhtar Thahir Tahir, Muh. Tarmizi Taufiq Hanafi , Azizan M Tenriware, Tenriware Tikawati Tikawati, Tikawati Tsani, Musmuliadi Umiyati Umiyati, Umiyati Urmila, Rafiatul Usnawati , Ulya Vilantina, Vilantina Wahyudi, Ickhsanto Widia Purwaningrum Wijaya, Yonggi Yama, Indo Yazila, Syukran Yudi Astuti, Rahma Yun Suprani, Yun Yusran Haskas Yusro Hakimah, Yusro Zahra, Inas Afifah Zainal Fanani