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All Journal ETIKONOMI PROSIDING SEMINAR NASIONAL Fokus Ekonomi JURNAL DINAMIKA EKONOMI PEMBANGUNAN JURNAL BISNIS STRATEGI Diponegoro Journal of Economics JEJAK Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Journal of Degraded and Mining Lands Management Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Proceeding Of The International Seminar and Conference 2015 Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Jurnal Ekonomi Syariah Teori dan Terapan EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Benefit: Jurnal Manajemen dan Bisnis Journal of Economic Education Economica: Jurnal Ekonomi Islam Jurnal Dinamika Ekonomi dan Bisnis Syntax Literate: Jurnal Ilmiah Indonesia Jati: Jurnal Akuntansi Terapan Indonesia Jurnal Organisasi Dan Manajemen JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam JURNAL PANGAN Jurnal Bisnis dan Kewirausahaan Magisma: Jurnal Ilmiah Ekonomi dan Bisnis RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Jurnal Pasopati : Pengabdian Masyarakat dan Inovasi Pengembangan Teknologi Al-Sharf: Jurnal Ekonomi Islam Jurnal Ekonomika dan Bisnis Islam Diponegoro Journal of Islamic Economics and Business Maliki Islamic Economics Journal Equilibrium: Jurnal Ekonomi Syariah IIJSE FINANCE : International Journal Of Management Finance Prosiding Seminar Nasional Unimus Beujroh : Jurnal Pemberdayaan dan Pengabdian pada Masyarakat Journal of Finance and Islamic Banking Economics Development Analysis Journal Ascendia: Journal of Economic and Business Advancement ZISWAF: Jurnal Zakat dan Wakaf BISNIS : Jurnal Bisnis dan Manajemen Islam Mercatura Lumina: Journal of Management, Entrepreneurship, and Tourism
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LARANGAN JUAL BELI GHARAR: TELA’AH TERHADAP HADIS DARI MUSNAD AHMAD BIN HANBAL Santosa, Purbayu Budi; Muttaqin, Aris Anwaril
EQUILIBRIUM Vol 3, No 1 (2015): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v3i1.1277

Abstract

Purchase and sale activity is done for getting profits. But actually, not all that transaction can do it. Exactly, gharar is bringing the loss because it contains deception. Because of that, Prophet Muhammad SAW forbids that activity. That prohibition can found in the hadis of Ahmad bin hanbal musnad. This research purposes to explain the hujjah  of  hadis  of  Ahmad  bin  hanbal  musnad  about  prohibition  of gharar activity. Research method is done by beat out hadis of Ahmad bin hanbal musnad by CD RoM Lidwa Pusaka i-software – Kitab 9  Imam Hadis, then compare it with the other hadis and Al Qur’an. The result of this research shows that the hadis of Ahmad bin hanbal musnad is dha’if hadis, because there is one of rawi is broken. But if it has seen from matan (editorial). That hadis is in line with hadis from Imam Muslim, Abu Dawud, Tirmidzi, Nasa’i and Ibnu Majah which is forbiding gharar. That hadis of Ahmad bin hanbal doesn’t contra with Al-Qur’an and other true theories. So, that hadis can be a hujjah Kegiatan jual beli dilakukan untuk mendapatkan keuntungan.  Namun  pada  kenyataanya  tidak  semua  transaksi  jual beli mendatangkan keuntungan. Jual beli gharar justru menyebabkan kerugian karena mengandung unsur penipuan. oleh karenanya, Nabi Muhammad SAW melarang jual beli tersebut. Larangan tersebut dapat ditemukan dalam hadis dari musnad Ahmad bin hanbal. Penelitian ini bertujuan untuk menjelaskan ke-hujjah-an hadis dari musnad Ahmad bin hanbal mengenai larangan jual beli gharar. Metode penelitian dilakukan dengan menela’ah hadis dari musnad Ahmad bin hanbal melalui CD RoM Lidwa Pusaka i-software – Kitab9 Imam Hadis, kemudian membandingkan dengan hadis-hadis lain dan ayat-ayat dalam al- Quran. hasil penelitian ini menunjukan hadis dari musnad Ahmad bin hanbal tersebut merupakan hadis dha’if (lemah), karena ada satu rawi yang terputus. Akan tetapi, jika dilihat dari kandungan matan (redaksi), hadis tersebut sejalan dengan hadis yang diriwayatkan oleh Imam Muslim, Abu Dawud, Tirmidzi, Nasa’i dan Ibnu Majah yang melarang jual beli gharar. hadis yang diriwayatkan oleh Ahmad bin hanbal tersebut juga tidak bertentangan dengan al-Qur’an dan dalil-dalil lain yang shahih. Dengan demikian hadis ini dapat dijadikan sebagai hujjah.
Analysis of Zakat Literacy in Kudus Regency, Central Java Province: A Mixed-Method Approach Azzah, Farah Nailal; Santosa, Purbayu Budi
ZISWAF Vol 9, No 2 (2022): ZISWAF: JURNAL ZAKAT DAN WAKAF
Publisher : UIN Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/ziswaf.v9i2.15227

Abstract

Assessing zakat literacy is needed for zakat institutions to examine zakat collection policies and evaluate zakat education and socialization programs. This study aims to map the level of zakat literacy in the Kudus Regency using the Zakat Literacy Index and unearth the factors which influence people's behavior in paying zakat. This study uses a mixed method with a sequential explanatory design. The results showed that the level of zakat literacy in the Kudus Regency was in the moderate category, with a Zakat Literacy Index score of 77.39. This study also shows that trust in scholars, peer influence, and education factors have influenced people's behavior and zakat understanding level. This paper also proffers implications to optimize the role of the zakat collector unit in order to increase the zakat knowledge of the community and the urgency of innovative and sustainable distribution programs.
Analisis Faktor-Faktor Yang Mempengaruhi Penggunaan Mobile Banking Syariah Dewi, Annisa Elyana; Santosa, Purbayu Budi
BISNIS Vol 12, No 1 (2024): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Universitas Islam Negeri Sunan Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v12i1.21289

Abstract

One of the biggest challenges that islamic mobile banking is facing today is that the numberof users is far less than that of conventional mobile banking. This research aims to analyzethe influence of the modified UTAUT 2 model’s factors on the use of islamic mobile banking.The research population is muslim Generation Z who are users of islamic mobile banking inSemarang, filtered into 100 samples using purposive sampling approach. The data collectionmethod is questionnaire using Likert scale measurement. The analysis technique used in thisstudy is Partial Least Squares-Structural Equation Modeling (PLS-SEM) using SmartPLS 3application. The results show that the intention of muslim Generation Z in Semarang to useislamic mobile banking is positively and significantly influenced by Performance Expectancy,Hedonic Motivation, Price Value, Habit, Perceived Credibility, and Religiosity, but not influencedby Effort Expectancy, Social Influence, and Facilitating Conditions. The results also find thatHabit and Behavioral Intention affect the actual use of islamic mobile banking positively andsignificantly, while Facilitating Conditions has no influence at all. The implication of this studyis for islamic banks to evaluate the development and maximization of the important factorsof islamic mobile banking to increase competitive advantage in facing financial technologyinnovation competitionSalah satu tantangan terbesar yang dihadapi mobile banking syariah saat ini adalah jumlah pengguna yang jauh lebih sedikit dibandingkan mobile banking konvensional. Menguji dan menganalisis pengaruh faktor-faktor model UTAUT 2 yang dimodifikasi terhadap penggunaan mobile banking syariah pada nasabah menjadi fokus dan tujuan utama penelitian. Populasi penelitian adalah Generasi Z muslim pengguna mobile banking syariah di Kota Semarang yang disaring menjadi 100 sampel melalui pendekatan sampling purposive. Data dikumpulkan melalui kuesioner yang diukur menggunakan skala likert. Teknik analisis yang digunakan dalam penelitian adalah Partial Least Squares-Structural Equation Modelling (PLS-SEM) menggunakan aplikasi SmartPLS 3. Hasil penelitian menunjukkan niat Generasi Z muslim di Kota Semarang untuk menggunakan mobile banking syariah secara positif signifikan dipengaruhi oleh Performance Expectancy, Hedonic Motivation, Price Value, Habit, Perceived Credibility, dan Religiusitas, tapi tidak dipengaruhi Effort Expectancy, Social Influence, dan Facilitating Conditions. Ditemukan pula bahwa Habit dan Behavioral Intention berpengaruh positif dan signifikan terhadap penggunaan aktual mobile banking syariah, sementara Facilitating Conditions tidak berpengaruh sama sekali.
Managing salinity-induced degradation in coastal agricultural land: Integrating vulnerability diagnostics and a hybrid adaptation pathway in Central Java, Indonesia Oelviani, Renie; Iskandar, Deden Dinar; Bakti, I Gede Mahatma Yuda; Santosa, Purbayu Budi
Journal of Degraded and Mining Lands Management Vol. 13 No. 3 (2026)
Publisher : Brawijaya University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15243/jdmlm.2026.133.10645

Abstract

Rising soil salinity and tidal inundation in coastal agricultural land in northern Java are threatening rice production and rural livelihoods. This study assessed the vulnerability of salinity-affected coastal agricultural land in Kendal and Pemalang, Central Java, Indonesia, and developed a hybrid adaptation pathway to address salinity-induced degradation. A mixed-methods design combined household surveys of 150 farming households, 80 semi-structured interviews, and field observations. Vulnerability was assessed using the Livelihood Vulnerability Index and interpreted in terms of the IPCC dimensions of exposure, sensitivity, and adaptive capacity. The composite LVI indicated that Pemalang was more vulnerable than Kendal, with values of 0.520 and 0.458, respectively. The two regencies had broadly similar exposure, although Pemalang had higher sensitivity and lower adaptive capacity, stronger land–water management constraints, weaker institutional support, and limited household resources. Salinity and tidal inundation reduced farm performance by lowering yields, increasing production costs, delaying cropping calendars, and reducing cultivable land. Spatial evidence showed that 316.78 ha of salinity-affected land in Kendal and 355 ha of agricultural land in Ulujami Sub-district, Pemalang, were no longer cultivable. Weak financial and human capital remained major constraints in both regencies. The study proposes a hybrid adaptation pathway combining short-term agronomic measures, medium-term land–water management, and long-term infrastructural and institutional strengthening.
The Effect of the Maqashid Sharia Index on Financial Sustainability: Evidence from Islamic Rural Bank in Central Java Muhammad Naufal Majid; Purbayu Budi Santoso; Putri Rizka Citaningati
Maliki Islamic Economics Journal Vol 6, No 1 (2026): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v6i1.42383

Abstract

The study aims to provide empirical evidence on the effect of the Maqashid Sharia Index (MSI) on the Financial Sustainability Ratio (FSR) at Islamic Rural Banks in Central Java from 2020 to 2023. This study employs panel data regression and purposive sampling techniques across 11 Islamic Rural Banks. The analysis conducted in this study used Chow, Hausman, and Lagrange Multiplier tests to determine the best model. The results of this study indicate that individual education (tahdhib al-fard) and welfare (jalb al-maslahah) have a significant positive effect on FSR, while upholding justice (iqamah al-adl) has no significant effect. The financial sustainability is also determined by social and spiritual responsibility. This key finding emphasizes that the non-financial dimensions of Sharia are a crucial driver of the sustainability of Sharia entities. The implications of this study underscore the need for management and regulators of Islamic Rural Banks to strengthen education, training, and zakat distribution, prioritizing investments in human resource development and zakat-based welfare activities to improve the financial sustainability of Islamic Rural Banks in the future. The limitations of this study include a sample scope limited to 11 Islamic Rural Banks in Central Java.
THE REMITTANCE PARADIGM: IMPLICATIONS OF INDONESIAN MIGRANT WORKERS FOR POVERTY ALLEVIATION Abdul Rouf; Deden Dinar Iskandar; Purbayu Budi Santosa; Wahyu Widodo
Finance : International Journal of Management Finance Vol. 3 No. 4 (2026): June
Publisher : Publikasi Inspirasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62017/finance.v3i4.152

Abstract

This study examines the relationship between the spatial distribution of the banking system, internal migration patterns, domestic remittance flows, and the level of financial inclusion in Indonesia. Spatial inequality in access to formal financial institutions remains a fundamental problem for inclusive economic development. Based on World Bank data (2024), the number of commercial bank branches in Indonesia is only around 11.69 units per 100,000 adults, indicating the limited reach of banking services in non-urban areas (World Bank, 2024). Meanwhile, the level of account ownership in Indonesia has increased to 83% in 2023, a significant increase compared to 48% in 2011 (World Economic Forum, 2025). In the external context, Bank Indonesia (2024) reported that the value of remittances from Indonesian migrant workers reached US$ 9.95 billion in 2023, a 3.6% increase from the previous year. These remittance flows have great potential to expand the savings base, strengthen monetary stability, and support the expansion of financial inclusion (Canales et al., 2023; Inoue & Hamori, 2016). However, this potential has not been fully realized due to spatial disparities and financial literacy gaps between urban and rural areas. The methodology used is multilevel logistic regression with microdata from the Indonesia Family Life Survey (IFLS, 2021) and macrodata from Bank Indonesia (2023), the Financial Services Authority (2024), and the Central Statistics Agency (2024). This model allows for testing hierarchical and spatial relationships between individual, household, and provincial levels. The main variables include financial inclusion (formal account ownership), internal migration status, remittance receipts, and bank branch density per km² as a proxy for geospatial access to the banking system. The results of the study show that spatial access to the banking system has a positive and significant effect on financial inclusion (Beck, Demirgüç-Kunt, & Levine, 2023). Additionally, internal migration and remittance receipts also strengthen the probability of individuals using formal financial services, indicating the existence of spatial interactions (spillover) between regions. Provinces with higher bank network density tend to transmit positive effects on financial inclusion in surrounding provinces (Krugman, 1991). These findings emphasize the importance of a geospatial approach in formulating national financial inclusion policies. Equal distribution of banking networks, strengthening financial literacy for migrants and remittance recipients, and integrating spatial data between financial institutions are key strategies for promoting more inclusive and equitable economic growth between regions.
How Safe Are Principles and Good Corporate Governance Applied in an Indonesian Zakat Institution? Rahman, Adi; Deden Dinar Iskandar; Budi Santosa, Purbayu
Jati: Jurnal Akuntansi Terapan Indonesia JATI Vol 8, No 2: October 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jati.v8i2.27716

Abstract

This study examines the application of the 3 Aman Principles, namely Aman Syar’i (compliance with Islamic law), Aman Regulation (compliance with legal standards), and Aman NKRI (commitment to the integrity of the Unitary State of the Republic of Indonesia), together with Good Corporate Governance (GCG) principles at one of the National Zakat Boards (BAZNAS) in Indonesia. A descriptive qualitative method with a case study approach was employed, involving separate interviews with five BAZNAS officials, direct observation, document analysis, and open-ended questionnaires to zakat payers (muzakki). Data validity was ensured through source and technique triangulation. The novelty of this research lies in integrating the 3 Aman Principles, which reflect Indonesia’s distinctive approach to zakat governance, with GCG principles commonly used in corporate governance and recognized internationally. This integration offers a perspective rarely discussed in prior studies. The findings show that compliance and accountability have been effectively implemented, although improvements are needed in financial reporting transparency and strategies to engage potential zakat payers. Theoretically, this study contributes to the literature by demonstrating the synergy of national and international governance principles in enhancing institutional trust. Practically, the results guide zakat institutions in developing governance strategies that strengthen public trust.
Efek Perekonomian Negara (Inflasi, Upah Minimum, Konsumsi, Kurs Tukar, Investasi, dan Pengeluaran Pemerintah) Terhadap Pertumbuhan Manufaktur di Indonesia: Pendekatan Error Correction Model (ECM) Galih Priyo Anggoro; Indah Susilowati; Abdul Rouf; Purbayu Budi Santosa; Darwanto Darwanto; Deden Dinar Iskandar; Abdul Karim; Wahyu Widodo
Journal of Economic and Business Advancement Vol. 2 No. 1 (2026): : September: Ascendia: Journal of Economic and Business Advancement
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/47fjcn70

Abstract

This study aims to analyze the effects of inflation, minimum wage, household consumption, exchange rate, investment, and government expenditure on the growth of Indonesia’s manufacturing industry during the 1990–2024 period. The study employs a quantitative approach using annual time-series data consisting of 35 observations and is analyzed using the two-step Engle–Granger Error Correction Model (ECM). The Augmented Dickey–Fuller and Phillips–Perron tests indicate that all variables are integrated of order I(1), while the cointegration test confirms the existence of a long-run relationship. The estimation results show that investment has a significant positive effect on manufacturing growth, whereas government expenditure has a significant negative effect, indicating a crowding-out effect. The Error Correction Term coefficient of -1.046 (p < 0.01) confirms the adjustment mechanism toward long-run equilibrium. In the short run, changes in investment and government expenditure are the main determinants of manufacturing growth. These findings highlight the importance of strengthening the investment climate and allocating government expenditure more productively to support the growth of the manufacturing sector.
The Effect of Digital Marketing and Service Quality on Customer Loyalty Among E-Commerce Users in Indonesia Diyan Pratiwi; Ida Ariyani; Ida Hayu Dwimawanti; Abdul Rouf; Purbayu Budi Santosa; Deden Dinar Iskandar; Wahyu Widodo; Abdul Karim
Journal of Management, Entrepreneurship, and Tourism Vol. 1 No. 3 (2026): : August: Mercatura Lumina: Journal of Management, Entrepreneurship, and Touris
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/rqy88f18

Abstract

This study examines the effects of digital marketing and service quality on customer loyalty among e-commerce users in Indonesia. Using a quantitative explanatory cross-sectional design, primary data were collected from 150 active e-commerce users in Jakarta, Surabaya, and Semarang through a structured online questionnaire employing a five-point Likert scale. The data were analyzed using multiple linear regression with SPSS version 26, preceded by validity, reliability, normality, multicollinearity, and heteroscedasticity testing. The results indicate that digital marketing has a positive and significant effect on customer loyalty (β = 0.412; t = 5.87; p < 0.05), while service quality also has a positive and significant effect on customer loyalty (β = 0.386; t = 5.21; p < 0.05). The simultaneous regression model is statistically significant and explains 50.7% of the variance in customer loyalty (R² = 0.507). Digital marketing demonstrates a slightly stronger contribution than service quality, although both factors have relatively comparable effects on loyalty. The findings indicate that promotional engagement and consistent service delivery should be developed concurrently to strengthen repeat purchases, referrals, and resistance to competing platforms. The study contributes empirical evidence to e-commerce marketing management and offers practical guidance for integrating digital marketing strategies with service quality improvements to foster sustainable customer loyalty.
Analysis of Factors Influencing Online Impulsive Purchases of “Somethinc” Cosmetic Products Among Generation Z Muslims in Central Java Ine Rexianita Putri; Purbayu Budi Santosa; Abdul Rouf
Journal of Management, Entrepreneurship, and Tourism Vol. 1 No. 3 (2026): : August: Mercatura Lumina: Journal of Management, Entrepreneurship, and Touris
Publisher : CV SCRIPTA INTELEKTUAL MANDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65310/ctcyc255

Abstract

This study analyzes the factors influencing online impulsive purchases of “Somethinc” cosmetic products among Generation Z Muslim consumers in Central Java, focusing on consumer income, product price, consumer preference, live streaming, fear of missing out (FOMO), and discount vouchers. This empirical study employed a quantitative explanatory design and multinomial logistic regression using IBM SPSS 25. Primary data were collected through an online questionnaire from 150 respondents selected using purposive sampling based on predetermined demographic and purchasing criteria. The results indicate that consumer income, product price, consumer preference, and live streaming do not significantly influence impulsive purchasing behavior. FOMO has a positive and significant effect, with higher FOMO increasing the likelihood of impulsive purchases, while discount vouchers have a negative and significant effect on the Make Up category but no significant effect on the Skincare category. The findings demonstrate that psychological factors, particularly FOMO, have a stronger role in explaining impulsive purchasing than conventional economic and digital marketing factors in the observed consumer segment. The study highlights the importance of self-control and responsible financial management among young Muslim consumers and provides implications for marketers in designing digital promotional strategies that consider psychological responses and responsible consumption.
Co-Authors A.A. Ketut Agung Cahyawan W Aan Zainul Anwar Abdul Karim Abdul Rouf Abdul Rouf Adi Rahman, Adi Afif Leksono Agni Kusumawati Agni Kusumawati AGUS RIYANTO Amalia, Luthfina Zahrotul Arif Pujiyono Arifta Budi M Aris Anwaril Muttaqin Ariza Fuadi Azzah, Farah Nailal B. Bambang Bahtiar Rifai Bakti, I Gede Mahatma Yuda Bambang Nolo Kresno Bambang Nolo Kresno, Bambang Nolo Bayu Setyoko Bella Aldida Darwanto Darwanto Darwanto Darwanto Darwanto Deden Dinar Iskandar Della Arny Novera Denizar Abdurrahman Mi'raj Destiartono, Mohamad Egi Desyandri Desyandri Dewi, Annisa Elyana Diah Meani R.M.D Diyan Pratiwi Dul Muid Dzulfikar, Muhammad Zacky Eddy Yusuf Agung Gunanto Edi Susilo Edy Yusuf Agung Gunanto Farah Nailal Azzah Fatchur Rohman Fawwaz Arif Aljabar Galih Priyo Anggoro Gentur Handoyo Gunanto, Eddy Yusuf Agung Hadi Sasana Hidayat, Muhammad Rizal Ida Ariyani Ida Hayu Dwimawanti Indah Susilowati Ine Rexianita Putri Jamhari Jamhari Kafabih, An’im Karsinah Karsinah Kasiyati, Sri Kasiyati, Sri Khariza, Adhisty Mohammad Laila Baroroh Laksono Trisnantoro Lili Marliyah M Bastomi Fahri Zusak Maria, Nugroho Nugroho Sumarjiyanto Benedictus Martatatina, Yasri Mochammad Ardani Mohammad Khariza, Adhisty Muhadjirin Muhadjirin Muhammad Aladdin Hanif Muhammad Kharisma Muhammad Naufal Lazuardi Muhammad Naufal Majid Muhammad Zacky Dzulfikar Muliawan Hamdani Mulyani, Nisrina Ikhfadhillah Muttaqin, Aris Anwaril Muttaqin, Aris Anwaril N. Widodo Nenik Woyanti Nugroho, Aditya Febriansyah Ondo Ilarinduan PS Paul SP Hutagalung Prakoso, Lindhu Dwi Putra Perdana Putri Rizka Citaningati Rasyda, Amanda Naura Renie Oelviani, Renie Rifai, Bahtiar Riyardi, Agung Roessali, Wiludjeng Romadhansya Indra Setiyadi Saifhul Anuar Syahdan Siti Nur Aisyah Suci Rismawati Ulfa Nadra Utami, Fadia Wafa Maharani Putri Wahyu Ardiyanto Wahyu Widodo Wahyu Widodo Wahyuni, Hesti Asri Widodo, N. Wisnu Mawardi Wongsokarto, Misdiarso