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All Journal International Journal of Informatics and Communication Technology (IJ-ICT) Jurnal Manajemen Bisnis Ars: Jurnal Seni Rupa dan Desain DeKaVe Lintas Ruang: Jurnal Pengetahuan dan Perancangan Desain Interior Riset Manajemen dan Akuntansi Journal of Urban Society´s Arts Laa Maisyir Jurnal Ekonomi Islam Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Benefit: Jurnal Manajemen dan Bisnis Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Universitas Batanghari Jambi Journal of Economic, Bussines and Accounting (COSTING) al-Afkar, Journal For Islamic Studies SEIKO : Journal of Management & Business Jurnal Ilmu Manajemen (JIMMU) IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Jurnal Review Pendidikan dan Pengajaran (JRPP) MANAJEMEN DEWANTARA Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) PANYONARA: Journal of English Education Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ekonomi Bisnis Manajemen Prima Journal of Management - Small and Medium Enterprises (SME's) Jurnal Senirupa Warna (JSRW) Bisnis Net : Jurnal Ekonomi dan Bisnis Jurnal Amplifier: Jurnal Ilmiah Bidang Teknik Elektro dan Komputer JEBDEKER: Jurnal Ekonomi, Manajemen, Akuntansi, Bisnis Digital, Ekonomi Kreatif, Entrepreneur Unram Journal of Community Service (UJCS) Jurnal Pajak dan Bisnis (Journal of Tax and Business) AJAD : Jurnal Pengabdian kepada Masyarakat International Journal of Management Science and Information Technology (IJMSIT) Brilliant International Journal of Management and Tourism (BIJMT) Studi Akuntansi, Keuangan, dan Manajemen Jurnal Riset Ekonomi Syariah Proceeding ISETH (International Summit on Science, Technology, and Humanity) Prosiding University Research Colloquium Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Innovative: Journal Of Social Science Research Paradoks : Jurnal Ilmu Ekonomi Jurnal Informatika Ekonomi Bisnis Community Empowerment Journal Adabuna: Jurnal Pendidikan dan Pemikiran IIJSE FATAWA: Jurnal Pendidikan Agama Islam Jurnal Sistem Informasi dan Manajemen Majapahit Journal of Islamic Finance dan Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management Conference Proceedings International Conference on Education Innovation and Social Science Proceeding of International Conference on Humanity Education and Society JER Journal of Business Improvement Indonesian Journal of Islamic Economic Law Journal of Ekonomics, Finance, and Management Studies USRATUNA: Jurnal Hukum Keluarga Islam Iqtisad : Journal of Islamic Economic and Civilization Benefit: Jurnal Manajemen dan Bisnis Brilliant International Journal of Management and Tourism International Journal of Economics and Management Research
M. Sholahuddin
Institut Seni Indonesia Yogyakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Public Health Social Sciences Other

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The Influence of Islamic Financial Literacy and Service Quality on Customers’ Decisions to Use Islamic Banking Products with Religiosity as a Mediating Variable Ariyanto, Annastasya Aprilia; Sholahuddin, Muhammad
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 1 (2026): November - Januari
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i1.2289

Abstract

This investigation explores the dynamics between Islamic financial literacy and the quality of banking services in shaping customers' decisions about Islamic banking products, with religiosity as a pivotal mediator. Using a quantitative lens, the research employs a causal-associative design and leverages path analysis via Partial Least Squares Structural Equation Modeling (PLS-SEM) in SmartPLS 4.0. The study scrutinized a purposively chosen cohort of 200 active clients of Islamic banks. Results demonstrate that superior service quality exerts a robust, direct, and favorable influence on customers’ choices. In contrast, Islamic financial literacy, despite its positive orientation, does not have a statistically significant effect. Intriguingly, both literacy in Islamic finance and service excellence substantially cultivate religiosity, which, in turn, exerts a pronounced positive impact on banking decisions. Religiosity also emerges as a crucial mediating mechanism linking financial literacy and service quality to customers’ adoption behavior. The novelty of this work lies in its integrative framework that accounts for both rational determinants (knowledge and service) and spiritual drivers (religiosity) in Muslim consumer behavior toward Islamic banking offerings. In practice, these findings advocate a strategic synthesis of educational initiatives, exemplary service delivery, and spiritual alignment to reinforce customer commitment, satisfaction, and lasting loyalty.
The Role of Career Self-Efficacy as a Mediator of the Effect of Protean Career Orientation on Career Decisions: (A Study of the Millennial Generation in Surakarta) Nugroho, Teguh Puji; Sholahuddin, Muhammad
Paradoks : Jurnal Ilmu Ekonomi Vol. 9 No. 2 (2026): February - April
Publisher : Fakultas Ekonomi, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/paradoks.v9i2.2312

Abstract

This study aims to examine the effect of protean career orientation on career decision-making, with career self-efficacy as a mediating variable, among millennials in Surakarta. A quantitative approach was employed using SEM-PLS analysis, with data collected from 152 respondents selected through purposive sampling. The findings indicate that protean career orientation has a positive and significant effect on both career self-efficacy and career decision-making. In addition, career self-efficacy significantly influences career decisions and has been shown to mediate the relationship between protean career orientation and career decision-making. These results highlight the crucial psychological role of career self-efficacy in strengthening individuals’ confidence and clarity when making career choices. The implications of this research suggest that educational institutions, career counselors, and organizations should design career development programs that foster value-driven career orientation and enhance individuals’ self-efficacy, as these factors are essential for improving the quality of career decision-making among millennials in dynamic labor market conditions.
The Influence of Islamic Financial Literacy and Service Ease of Use on Customers’ Decisions to Use Islamic Digital Banking Products with Islamic Financial Inclusion as a Mediating Variable Sari, Silvia Novita; Sholahuddin, Muhammad
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 2 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i2.11410

Abstract

This study aims to analyze the influence of Islamic financial literacy and the ease of use of digital services on customers’ decisions to use Islamic digital banking products, with Islamic financial inclusion as a mediating variable. The research employs a quantitative approach using a survey method. Data were collected through questionnaires distributed to Islamic bank customers who use digital services in Indonesia. Data analysis was conducted using the Partial Least Squares–Structural Equation Modeling (PLS-SEM) method with the assistance of SmartPLS 4 software. The results indicate that Islamic financial literacy and the ease of use of digital services have a positive and significant effect on customers’ decisions to use Islamic digital banking products. In addition, both variables also have a positive and significant influence on Islamic financial inclusion. Islamic financial inclusion, in turn, has a positive effect on customers’ decisions and is able to mediate the relationship between Islamic financial literacy, the ease of use of digital services, and the decision to use Islamic digital banking products. The novelty of this study lies in the development of an integrative research model that combines Islamic financial literacy and the ease of use of digital services by incorporating Islamic financial inclusion as a mediating variable within the context of digital Islamic banking. This study is expected to enrich academic literature on customer decision behavior and provide practical implications for Islamic banking institutions in enhancing inclusive and sustainable digital service adoption.
BUILDING HALAL FOOD CONSUMER LOYALTY: THE ROLE OF PRODUCT QUALITY, PRICE, AND BRAND IMAGE IN THE E-COMMERCE ECOSYSTEM Wicaksono, Bagas; Muhammad Sholahuddin
MANAJEMEN DEWANTARA Vol 10 No 2 (2026): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v10i1.22031

Abstract

This research explores how product quality, pricing, and brand image shape consumer satisfaction in the halal food e-commerce sector, while also investigating the role of consumer loyalty as a connecting mechanism. Through this perspective, the study aims to generate practical insights that help halal food businesses and online platforms strengthen customer satisfaction and build sustainable, long-term loyalty. This study adopted a quantitative explanatory approach, relying on primary data obtained through structured online questionnaires. The survey targeted Muslim consumers in Indonesia aged 18–45 who had purchased halal food via e-commerce services such as GoFood, GrabFood, or ShopeeFood at least twice within the last three months, selected through purposive sampling. Measurement indicators were drawn from prior research and assessed using a five-point Likert scale. The data were processed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 3.0, encompassing outer model testing for validity and reliability, as well as inner model analysis for hypothesis testing through bootstrapping at a 5% significance level.. The results show that product quality, price, and brand image positively and significantly affect customer satisfaction, with product quality emerging as the strongest determinant. However, consumer loyalty does not significantly mediate these relationships, indicating that these factors primarily influence satisfaction directly. The findings suggest that halal food businesses should prioritize high-quality products, fair pricing, and strong brand image to enhance customer satisfaction and support long-term loyaltys.
The Influence of Islamic Investment Literacy and Investment Motivation on Islamic Investment Decisions Among Generation Z University Students in Surakarta Rahmadiani, Annisa; Sholahuddin, Muhammad
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2347

Abstract

With investment risk perception acting as a mediator, the study examines how Islamic investment literacy and investment desire affect factors influencing Islamic investment decision-making among Generation Z university students in Surakarta. 150 enrolled students aged 18 to 27 were administered questionnaires as part of this study's quantitative research design and survey methodology. Using SmartPLS software, the data were next examined using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings show that students' decisions about Islamic investments are positively and statistically significantly impacted by Islamic investment knowledge. Likewise, investment motivation was found to influence Islamic investment decision-making positively. Moreover, risk perception functions as a significant mediating mechanism through which Islamic investment literacy and investment motivation influence Islamic investment decision-making. The originality of this research lies in integrating Islamic investment literacy and investment motivation within a unified structural framework that explicitly positions risk perception as a mediating factor among Generation Z students, a group that has received limited attention in previous Islamic investment research. While earlier studies mainly focused on direct relationships, this research provides empirical evidence of the indirect pathways through which literacy and motivation shape investment decisions via perceived risk. From a theoretical perspective, this study contributes by proposing an extended behavioral model of Islamic investment decision-making that incorporates cognitive, motivational, and risk perception dimensions. In practice, the results have important implications for educational institutions and financial regulators in formulating targeted literacy initiatives and policy strategies to increase Islamic investment participation among younger generations in alignment with Islamic values.
BRAND IMAGE AS A MEDIATOR BETWEEN DIGITAL MARKETING AND PURCHASE DECISIONS Saputra, Farid Eka; Sholahuddin, Muhammad
Journal of Economic, Bussines and Accounting (COSTING) Vol. 9 No. 1 (2026): COSTING : Journal of Economic, Bussines and Accounting
Publisher : Institut Penelitian Matematika, Komputer, Keperawatan, Pendidikan dan Ekonomi (IPM2KPE)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31539/e637rp30

Abstract

This research looks into how influencers, content marketing, and promotions affect brand image and buying choices, with brand image serving as an important link in the area of halal personal care items sold on the Shopee online platform. The study uses numbers and data gathered through surveys from Shopee customers who have bought halal personal care products. The information was examined through SEM. The findings show that influencers do not significantly improve brand image or buying choices. On the other hand, content marketing and promotions positively impact brand image in a significant way. Additionally, both content marketing and promotions also greatly affect buying choices. Brand image itself positively influences buying choices, underscoring its crucial role in guiding consumer habits. When it comes to mediation roles, brand image does not connect influencers with buying choices. However, it does play a significant part in connecting content marketing with buying choices. On the other hand, brand image does not link promotions to buying choices. In summary, these results emphasize that content marketing is the most important element in enhancing brand image and influencing buying choices for halal personal care products, while influencer marketing has a limited effect in this area. These findings suggest practical steps for online sellers and marketers to focus on high-quality and relevant content strategies while also running effective promotional campaigns to improve consumer buying choices.
Trust as a Mediator in the Relationship between Islamic Fintech Acceptance, User Experience, and Financial Satisfaction Nurfaizy, Arif Ikhsan; Muhammad Sholahuddin
Jurnal Economic Resource Vol. 9 No. 1 (2026): October - March
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v9i1.2353

Abstract

The swift expansion of Sharia-compliant financial technology has expanded access to Islamic financial services. However, successful adoption relies as much on consumers' trust as on technology and experience. This quantitative explanatory research examines the mediating role of trust in Islamic fintech between technology acceptance and user experience satisfaction, and between user experience satisfaction and financial satisfaction. Data were collected from 236 active users via structured questionnaires and analyzed using PLS-SEM with SmartPLS 3.0, including outer-model evaluation (validity and reliability tests) and inner-model evaluation (R-square, Q-square, and hypothesis testing via bootstrapping). Results show that technology acceptance and user experience satisfaction positively and significantly influence trust, and trust significantly enhances financial satisfaction. Moreover, the impact of trust on financial satisfaction is partially mediated by technology acceptance. The findings provide both theoretical and practical implications: theoretically, this study strengthens the integration of the Technology Acceptance Model (TAM) with trust in the context of Islamic fintech, while, practically, it offers strategic insights for service providers to enhance user trust, improve system usability, and ultimately increase users’ financial satisfaction
MENTAL WORKLOAD, JOB STRESS, AND LEADERSHIP TRUST SHAPING EMPLOYEE CREATIVITY VIA PSYCHOLOGICAL DISTRESS Utama, Muh Na’afi; Sholahuddin, Muhammad
Journal of Management Small and Medium Enterprises (SMEs) Vol 19 No 1 (2026): JOURNAL OF MANAGEMENT Small and Medium Enterprises (SME's)
Publisher : Universitas Nusa Cendana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35508/jom.v19i1.27449

Abstract

This study investigates the influence of mental workload, work stress, and trust in leaders on employee creativity and innovation at XYZ University, both directly and through psychological distress as a mediating variable. The research adopts a quantitative explanatory approach and involves employees who have been actively working for at least one year in academic or managerial roles. Data were collected through structured questionnaires and analyzed using Structural Equation Modeling (SEM) with the assistance of SmartPLS.The findings reveal that work stress negatively affects employee creativity and innovation, while trust in leaders plays an important role in encouraging innovative behavior among employees. Meanwhile, mental workload and psychological distress do not show a direct influence on creativity and innovation, and psychological distress does not mediate the relationship between the studied variables. The results highlight the importance of leadership quality and effective stress management in fostering creativity and innovation within organizations. Future research is recommended to expand the research context to different organizations, include additional relevant variables, and apply longitudinal or mixed-method approaches to better understand the psychological dynamics of employees in the workplace. Keywords: Creativity; Innovation; Leadership; Psychological Distress; Work Stress
Pengaruh Harga, Kualitas Produk, Label Halal Terhadap Pembelian kembali Produk Kosmetik X Melalui Kepuasan Konsumen Sebagai Pemediasi Faiq Yash Bahy Nuryanto; Muhammad Sholahuddin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i5.7871

Abstract

This study aims to analyze the effect of price, product quality, and halal label on repurchase of Wardah cosmetic products, with consumer satisfaction as a mediating variable. A quantitative approach was used with a survey method through an online questionnaire distributed to 147 respondents, namely followers of the Instagram account @wardahbeauty who were over 18 years old and had purchased Wardah products more than once. Data analysis was carried out using SEM-PLS which included testing the outer model and inner model. The results showed that price and product quality had a significant effect on consumer satisfaction and repurchase, while the halal label did not have a significant effect on either. Consumer satisfaction was shown to mediate the relationship between price and repurchase, as well as between product quality and repurchase. The novelty of this study lies in the inclusion of the halal label as a variable in the context of the halal cosmetic market, which has not been studied in depth. This study also fills the gap from previous studies that have not explored the role of the halal label and consumer satisfaction as mediators in repurchase decisions. This study contributes to enriching the halal cosmetic marketing literature by showing that the halal label is not always the main determinant in the formation of consumer satisfaction and repurchase intentions.
Pengaruh Persepsi Konsumen pada Strategi Pemasaran Terhadap Keputusan Pembelian dengan Label Halal Sebagai Moderasi: Studi pada Dika Bakery Habib Adani; Muhammad Sholahuddin
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 5 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah 
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i5.7946

Abstract

This study aims to analyze the influence of consumer perception and marketing strategy on purchasing decisions with halal labels as mediating variables on Dika Bakery consumers in Surakarta. The method used is a quantitative approach with a purposive sampling technique, involving 382 female respondents aged 15–29 years who have purchased the product. The research instrument used a closed questionnaire with a four-point Likert scale. Data analysis was carried out using the Structural Equation Modeling Partial Least Squares (SEM-PLS) approach. The results of the study indicate that consumer perception, product quality, price, and promotion have a significant positive effect on halal labels, while distribution does not have a significant effect. In relation to mediation, halal labels are proven to mediate the influence of product quality and price positively and significantly on purchasing decisions, while the influence of consumer perception, promotion, and distribution does not show significance. The novelty of this study lies in the emphasis on the role of halal labels as a mediating factor in purchasing decisions on food products among young consumers, which is still limited in the existing literature. The contribution of this study is to provide new insights for marketing practitioners in designing strategies that utilize halal labels as an attraction to increase purchasing decisions.
Co-Authors Adinata, Alberta Adirestuty, Fitranty Agus Budiman Agus Supriatman Amrullah, Muhammad Ilham Andy Dwi Bayu Bawono Anindyastri, Ranty Annisa, Widya Anton Agus Setyawan Apsta, Widya Arfatun Ariyanto, Annastasya Aprilia Arsita, Nurul Cahya Aryakusuma Sumarjoko, Achmad Asri Abdullah, Moha Asyaffa Aulia, Prambawati Atwal Arifin, Atwal Awangrif, Hasna Albana Bagas Wicaksono, Bagas Barom, Mohd. Nizam bistara, Sadewa rama Choirul Amin Conteh, Abdul Damayanti, Intan Dian Rahmawati, Sisca Dinda Wulan Andari Dionna, Finna Liana Stela Dwi Sarbini Edy Purwo Saputro Eko Suryanti Eni Setyowati Erma Setiawati Faiq Yash Bahy Nuryanto Febrianti, Bella Finalta, Adfan Syah Fitriana Mustikaningrum Fristyaningrum, Viciananda Ghazali, Yovanda Alfian Gunawan, Noviandra Habib Adani Hafiizh, Muhammad Esa Hardhianti, Vioreliana Harits, Muhammad Helmy Nurcahyo Wibowo Henri Dwi Wahyudi Hidayat, Rezki Nur Huda, Muhammad Saiful Ibrohim, Muhammad Ida Musofiana, Ida Idris Abas, Novel Ikhbal Septyaji Putranto Trijasa Ikhlas Ramadhan, Teguh Imronuddin Imronudin Imronudin Imronudin Imronudin, I Isti Khoirul Rochmah Iswahyuni. S, Zalsa Jannah, Zainur Miftakhul Juliana Juliana Kussudyarsana Kussudyarsana Kusumastuti, Anestia Retno Lestari, Frisca Ayu M. Faiz Ali Hidayat M. Farid Wajdi M. Farid Wajdi, M. Farid Maharani, Naila Cahya Mahardika, Salwa Bunga Maimun, Muhammad Halim Marwan Effendy Maulina, Reni Ma’ruf, Ma’ruf Mir’atul Hayah Moch Taufik Moch. Adi Nur Ikhsan Moechamad Nasir, Moechamad Moechammad Nasir Moha Asri Abdullah, Moha Asri Muhammad Amar Abiyoso Muhammad Amir Anshori Muhammad Arif Muhammad Hasanudin, Muhammad Muhammad Qomaruddin Muhriza, Nurul Muhyidin Muhyidin Mujiyati Mujiyati Mukaramah, Maya Mukhbir , Muhammad Muzakar Isa Nabila Nurhuwaida Nasongko, Noer Ngafwan Nilam Saputri , Iin Normalita Sari, Astri Novel Idris Abas Nugroho Dwi Saputro, Nugroho Dwi Nugroho, Teguh Puji Nur Achmad Nur Ahmad Nur ‘Ainie Diena Khanifah Nurdaya, Bastian Nurfaizy, Arif Ikhsan Nurhaliza, Cut Nurshalihah, Aini Umi Oktandani, Nafania Annisa Permatasari, Qisthoni Poerwadi, Yuniar Belly Pradana, Angga Nur Pradina Putri, Novia Pramesti, Safira Amelia Pramudya Kurnia Priyono Priyono Purnomo, Siddiq Puro, Intan Widia Purwaningtyas, Yani Purwo Saputro, Edy Putri, Widya Nirmala Qonitah Qonitah RAHMADIANI, ANNISA Rahmawati, Rara Yuni Ramadhani, Dina Mariana Regianingsih, Sinta Amelia Dwi Riansyah, Andi Ridho, M. Ghusni Rini Kuswati Riski Pangestu Rizka Rizka, Rizka Robbani Ridho, Muhammad Salsabila, Annisa Zahra Saputra, Farid Eka Saputra, Setyawan Adi Kresna Sari, Silvia Novita Sembiring, Rinawati Septiawan, Gavinda Micko Setia Rini Sigit Haryanto Signori, Muhammad Sisca Dian Rahmawati Siti Fatimah Nurhayati Sri Murwanti Sri Padmantyo Sudrajad, Dimas Rama Supomo Supomo Surono, Arif Susanto, Dimas Audy Tri Nur Wahyudi Ubaidillah, M Burhanuddin Umrotun Umrotun Utama, Muh Na’afi Veriansyah, Satria Wafiatun Mukharomah Wajdi, Muhammad Farid Wiyadi Wiyadi Wiyadi, W Wuryaningsih Dwi Lestari, Wuryaningsih Dwi Yuni Rahmawati, Rara Yusuf Sulistyo Nugroho Yusuf, M Luthfi Azhril Zakariyah Zakariyah Zulfa Irawati, Zulfa