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Komposisi dan kelimpahan ikan karang pada area fish apartement di perairan laut Kota Ternate Baksir, Abdurrachman; Ismail, Firdaut; Raden, Muhammad Sahlan R; Tahir, Irmalita; Ramili, Yunita; Siolimbona, Abdul Ajiz; Wibowo, Eko S; Harahap, Zulhan A; Marus, Ikbal; Najamuddin, Najamuddin; Waluyo, Waluyo; Nurdiansah, Doni; Patty, Simon I; Akbar, Nebuchadnezzar
Jurnal Ilmu Kelautan Kepulauan Vol 8, No 1 (2025): Jurnal Ilmu Kelautan Kepulauan
Publisher : Fakultas Perikanan dan Kelautan. Universitas Khairun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33387/jikk.v8i1.10045

Abstract

ANALISIS KOMPREHENSIF PEMBIAYAAN MULTI JASA DAN ULTRA MIKRO: DAMPAK, TANTANGAN, DAN STRATEGI PENGEMBANGAN DI INDONESIA Lestiyani, Ahlul; Mayshela, Rizki; Putri, Syahrani Dyajeng; Waluyo, Waluyo
Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi Vol. 16 No. 10 (2025): Musytari : Jurnal Manajemen, Akuntansi, dan Ekonomi
Publisher : Cahaya Ilmu Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.8734/musytari.v16i10.12769

Abstract

Multi-service financing (MSF) and ultra-micro financing (UMi) are financial innovations designed to enhance financial access for micro, small, and low-income communities. MSF combines various financial services such as credit, insurance, and savings, while UMi provides financing with very small loan ceilings and simple requirements. This research aims to analyze the effectiveness, challenges, and development strategies of both financing models in supporting financial inclusion and the growth of MSMEs in Indonesia. The research method employs a qualitative and quantitative approach, with secondary data analysis from financial reports, case studies, and interviews with industry stakeholders. The results indicate that MSF and UMi have successfully increased financial access, but still face challenges such as low financial literacy, limited infrastructure, and financing risks. Policy recommendations include enhancing collaboration among institutions, strengthening regulations, and leveraging digital technology. Pembiayaan multi jasa (PMJ) dan pembiayaan ultra mikro (UMi) merupakan inovasi keuangan yang dirancang untuk meningkatkan akses keuangan bagi usaha mikro, kecil, dan masyarakat berpenghasilan rendah. PMJ menggabungkan berbagai layanan keuangan seperti kredit, asuransi, dan tabungan, sedangkan UMi menyediakan pembiayaan dengan plafon sangat kecil dan persyaratan sederhana. Penelitian ini bertujuan untuk menganalisis efektivitas, tantangan, serta strategi pengembangan kedua model pembiayaan tersebut dalam mendukung inklusi keuangan dan pertumbuhan UMKM di Indonesia. Metode penelitian menggunakan pendekatan kualitatif dan kuantitatif, dengan analisis data sekunder dari laporan keuangan, studi kasus, serta wawancara dengan pelaku industri. Hasil penelitian menunjukkan bahwa PMJ dan UMi berhasil meningkatkan akses keuangan, namun masih dihadapkan pada tantangan seperti rendahnya literasi keuangan, keterbatasan infrastruktur, dan risiko pembiayaan. Rekomendasi kebijakan mencakup peningkatan kolaborasi antar lembaga, penguatan regulasi, dan pemanfaatan teknologi digital.
POTENSI DAN TANTANGAN PENGEMBANGAN SUKUK WAKAF, KHUSUSNYA CASH WAQF LINKED SUKUK, SEBAGAI INSTRUMEN KEUANGAN SOSIAL ISLAM DI ERA MODERN Nurfatra, Daniel; Rifki, Faiz; Anwar, Syah Jehan Khalifatul; Waluyo, Waluyo
JISEF : Journal Of International Sharia Economics And Financial Vol 4 No 01 (2025): JISEF : Journal Of International Sharia  Economics and Financial
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jisef.v4i01.1507

Abstract

This study analyzes the potential and challenges in developing Waqf Sukuk, particularly Cash Waqf Linked Sukuk (CWLS), as an Islamic social finance instrument in Indonesia. CWLS, which integrates cash waqf with state sukuk, offers great potential in a safe and impactful Islamic investment alternative, as well as expanding the investor base, and mobilizing funds for social projects and infrastructure projects that can empower communities, supported by existing regulations and examples of success in other countries as supporting facts. However, the challenges are quite severe, which include low Islamic financial literacy, religious dimensions that need to be strengthened, and limited development of supporting ecosystems. This research uses a descriptive qualitative approach and literature study to provide comprehensive policy recommendations to encourage community participation in CWLS to realize its strategic role in sustainable development in Indonesia and to become a global model in the development of Islamic social finance. Translated with DeepL.com (free version)
IMPLEMENTASI PEDOMAN PENYELENGGARA PARIWISATA BERBASIS PRINSIP SYARIAH DI ERA MODERN: STUDI ATAS FATWA DSN-MUI NOMOR 108/DSN-MUI/X/2016 Anand Yasmin, Muhamad; Aprilia, Alfia Eka; Basundari, Ninok; Waluyo, Waluyo
JISEF : Journal Of International Sharia Economics And Financial Vol 4 No 01 (2025): JISEF : Journal Of International Sharia  Economics and Financial
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jisef.v4i01.1556

Abstract

Sharia tourism, which includes aspects of halal food, worship facilities, and governance is one of the strategic sectors in the development of the national sharia economy.This study aims to evaluate the extent to which the guidelines for organizing sharia-based tourism have been implemented in the Indonesian tourism industry, by referring to the DSN-MUI Fatwa Number 108/DSN-MUI/X/2016. Through a qualitative descriptive approach, data were obtained from literature studies, field observations, and interviews with tourism industry players. The results of the study indicate that the application of Islamic values ??in the tourism sector has made partial progress, but has not been fully integrated into the regulatory system and business practices. The main challenges include low sharia literacy, limited competent human resources, and minimal technical policy support. This study recommends strengthening derivative regulations, HR training, and digital-based promotional innovation as strategies for developing sustainable sharia tourism. This study contributes to the discourse on strengthening the sharia economy through an ethical and inclusive tourism sector.
PEMBIAYAAN MULTI JASA PADA KSPPS BMT AN-NAJAH KANTOR CABANG KAJEN PEKALONGAN DAN PEMBIAYAAN ULTRA MIKRO PADA BMT NU SEJAHTERA Suci Rahmadhania, Laila; Romadhoni, Serli; Wulandari, Niken; Hanifah, Ummu; Waluyo, Waluyo
JISEF : Journal Of International Sharia Economics And Financial Vol 4 No 01 (2025): JISEF : Journal Of International Sharia  Economics and Financial
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jisef.v4i01.1562

Abstract

This study aims to analyze the concept and implementation of multi-service financing and ultra-micro financing in Islamic financial institutions. Multi-service financing uses the ijarah contract. This allows customers to benefit from a service, while ultra-micro financing is intended for micro-enterprises that have limited ceilings. This journal uses a qualitative method with a literature study approach to understand the theory and related information. The results of the study indicate that multi-service and ultra-micro financing must be in accordance with sharia principles and avoid parties who oppress and are oppressed. Multi-service financing includes various products such as education financing, hajj, and umrah, with a service fee (ujrah) agreed upon in advance. Ultra-micro financing itself is a continuation of the social assistance program distributed through Non-Bank Financial Institutions (LKBB) with the aim of making micro-enterprises independent.
WAKAF UANG DIGITAL: POTENSI DAN TANTANGAN DALAM PENGEMBANGAN EKONOMI DI INDONESIA Waluyo, Waluyo; Fauziah Anwar, Natasya; Maharani, Ika; Salsabila Adha, Natasya Putri
JISEF : Journal Of International Sharia Economics And Financial Vol 4 No 01 (2025): JISEF : Journal Of International Sharia  Economics and Financial
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jisef.v4i01.1575

Abstract

This study aims to analyze the potential and challenges of implementing digital cash waqf in economic development in Indonesia, especially in supporting the micro, small, and medium enterprises (MSMEs) sector. The method used is a literature study with a qualitative descriptive approach, reviewing literature, journals, and secondary data related to the research theme. The results of the study show that digitalization of cash waqf facilitates the process of collecting and managing funds, increasing transparency, and expanding the reach of waqf through online platforms. The collected waqf funds can be allocated productively to support MSMEs, education, health, and social infrastructure, thereby contributing to economic growth and community welfare. However, the main challenges faced include low public literacy about productive waqf, limited human resource capacity in the management institution, and regulatory constraints and trust in digital platforms. To optimize the potential of digital cash waqf, collaboration between various parties and increased public education are needed so that this innovation can become a driving force for sustainable economic development in Indonesia.
ANALISIS PENGARUH SUKUK WAKAF TERHADAP PEMBERDAYAAN MASYARAKAT INDONESIA Waluyo, Waluyo; Azzahra Pradina, Arida; Amaliah, Desti; Daffa Kristantyo, Hervian
JISEF : Journal Of International Sharia Economics And Financial Vol 4 No 01 (2025): JISEF : Journal Of International Sharia  Economics and Financial
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jisef.v4i01.1585

Abstract

Waqf sukuk is an innovative sharia financial instrument that integrates sukuk and waqf principles to optimize community empowerment in Indonesia. This study aims to analyze the influence of waqf sukuk on community empowerment using a literature review method from various related literature, documents, and regulations. The findings indicate that waqf sukuk, particularly through the Cash Waqf Linked Sukuk (CWLS) scheme, plays a significant role in supporting the financing of sustainable social projects in education, health, and the economy, while also expanding the benefits of waqf beyond the religious sector. The issuance of CWLS in Indonesia has involved various nazhir institutions and distribution partners that channel returns for economic empowerment programs, scholarships, health facility development, and strengthening MSMEs. However, the optimization of waqf sukuk still faces challenges such as community literacy, management trans parency, regulation, and technology utilization. Therefore, enhancing understanding, cross-sector collabo ration, and comprehensive policy support are essential to maximize the potential of waqf sukuk as an economic empowerment instrument and to achieve sustainable development goals in Indonesia.
EFEKTIVITAS PENGELOLAAN DANA BPIH TERHADAP PERSPEKTIF EKONOMI ISLAM PADA PEMBIAYAAN HAJI (STUDI KASUS: NASABAH HAJI SOLO BARU) Shifa Barirohtun, Annasza; Januar Rivtia, Intan; Nayotama Yasir, Mahatva; Waluyo, Waluyo
JISEF : Journal Of International Sharia Economics And Financial Vol 4 No 01 (2025): JISEF : Journal Of International Sharia  Economics and Financial
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jisef.v4i01.1586

Abstract

In the implementation of the Hajj, there are various aspects that need to be fulfilled by the managing party (government) such as the transportation, consumption, and health sectors. Likewise, from the side of the Hajj pilgrims themselves, such as fulfilling the BPIH (Hajj Pilgrimage Organization Costs), as well as the completeness of the files. Therefore, where the implementation of the Hajj can be carried out properly and the funds needed are in accordance with the security of the needs of the Hajj pilgrims, a Hajj Pilgrimage Organization Cost fund management system is needed that is in accordance with existing procedures. This study aims to analyze whether the effectiveness of good BPIH fund management can affect the implementation of the Hajj pilgrimage for pilgrims with a qualitative method approach. Where this study uses literature studies from journal sources and previous research. The results of this study indicate that the effectiveness of BPIH fund management can improve the quality of service and satisfaction of pilgrims. Through good management, BPIH funds can provide positive effects such as reducing costs, improving services, and ensuring the safety and comfort of pilgrims.
SKEMA ANUITAS SYARIAH UNTUK DANA PENSIUN STUDI KASUS DANA PENSIUN LEMBAGA KEUANGAN SYARIAH Waluyo, Waluyo; Rayhan Difa, Muhammad Ahnaf; Agustin, Anisa Puji; Nurlisa, Yani Hesti
JISEF : Journal Of International Sharia Economics And Financial Vol 4 No 01 (2025): JISEF : Journal Of International Sharia  Economics and Financial
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jisef.v4i01.1588

Abstract

This study examines the concept of Sharia annuities in the management of pension funds through Sharia Financial Institution Pension Funds (DPLK Syariah) in Indonesia. DPLK Syariah has emerged as an alternative option for pension fund management that complies with Sharia principles, namely avoiding elements of riba (usury), gharar (uncertainty), and maisir (gambling). The implementat ion of the Sharia annuity scheme is carried out in two main phases: the accumulation phase and the benefit payment phase, all of which utilize Sharia contracts such as wakalah bil ujrah and ijarah. This study employs a literature review method to explain the basic concept, scheme implementation, and the challenges faced in applying Sharia annuities in DPLK Syariah. The findings of this study indicate that although there is great potential for the development of Sharia annuities, challenges such as low public awareness of Sharia finance and the limited availability of halal investment instruments remain the main obstacles. Collaboration between the government, financial authorities, and industry players is needed to improve public understa nding and expand Sharia-compliant investment instruments so that the management of pension funds based on Sharia annuities can be carried out more effectively.
ANALISIS SISTEM PENGELOLAAN PIUTANG MURABAHAH PADA LEMBAGA KEUANGAN SYARIAH Waluyo, Waluyo; Nugroho, Afif Khairy; Fita Emiliana, Putri Diana; Rahmawati Solehah, Berliana; Khoirunissa Haryanto, Najwa Hanifah
JISEF : Journal Of International Sharia Economics And Financial Vol 4 No 01 (2025): JISEF : Journal Of International Sharia  Economics and Financial
Publisher : Pusat Studi Ekonomi, Publikasi Ilmiah dan Pengembangan SDM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62668/jisef.v4i01.1589

Abstract

This study analyses the receivables management system in Mudharabah financing in Sharia Financial Institutions (LKS) in Indonesia which has grown rapidly in recent years. Referring to the principle of people's economy in the 1945 Constitution, Islamic financing is a banking activity that involves collecting funds from the public such as giro, savings, deposits, to be channeled back to the community through financing or credit schemes. This research explores the effectiveness of the receivables management system, particularly in relation to the murabahah contract-a commonly used contract that is prone to risks, such as Non Performing Financing (NPF). This study uses the literature method to analyse the concept of murabahah, including its pillars, types, implementation in Islamic banking, as well as its influencing factors, including third-party funds (DPK) and profit margins. The results of the analysis are expected to provide a comprehensive picture of the management of Mudharabah receivables in Islamic financial institutions and identify potential efficiency improvements, in line with sharia principles and the context of the Indonesian economy based on the principle of kinship.
Co-Authors Abdul Rasyid Abdurrachman Baksir, Abdurrachman ABIMANYU, AHMAD Adha, Natasya Putri Salsabila Adi, Catur Pramono ADITYA FITRIANSYAH Afif, Muslihul Afriyanah, Afriyanah Aghnat, Qorna Agung Dwi Laksono Agus Mukholid Agus Wijanarka, Agus Agustin, Anisa Puji AHMAD ZAKKY ZAKKY RI’AYATULLAH1 Ahmad, Kayla Dafina Ainun Najmi, Ismi Izaz Aisah Aisah Al Ayubi, Aji Ilham Al Fajri, Muhammad Al Hasan, Haifar Amru Zein Al Ikhsan, Al Ikhsan Al-Mahya, Yaafi’ah Qothrunnada Elysia Alif Utama, Mohamad Maulidin Alif Utama ALINDA NOVITA SARI, ALINDA NOVITA Almira Sitasari Amaliah, Desti AMELIA, NUR Amien, Mohammad Miqdad Hasfhi Anand Yasmin, Muhamad Andri, Andri Nofreeana Anggraini, Afifa Dika Anggun Permatasari, Linda Anis Rahmawati Annisa Novita Sari Anwar, Natasya Fauziah Anwar, Syah Jehan Khalifatul Aprilia, Alfia Eka Apriyani, Maria Novita Apriyanto, Yoga Ar Rasyid, Robby Ikhsan ARDHIANS ABDILLAH WIJAYA, ARDHIANS ABDILLAH Ardiansyah, Raihan ARIEF, JAUZIE Arifin, Zaki Zainal Arimustofa, Daniel Nurfatra ARIO AMRI IHSAN, ARIO AMRI Aris Widodo Armando, Eric Arofah, Nurwegia Rahmawati ARSYAD RAMADHAN DARLIS ASHADI AMIR NURHAKIM Assafi'i, Ahmad Khoirul Anam Astuti, Santika Dewi Attawet, Jutharat Aulia Maris Syahputri Aulia, Isna Azani, Aisyah Wahyu Aziz, Muhammad Miftah Aziza, Nur Laila Azizan, Nurul Ain Azril, Muh Azzahra Pradina, Arida BAMBANG ANGGORO Barindi, Surya Baskoro, Mohammad Farrel Aryantaputra Basundari, Ninok Bektiningrum, Afifah Benazir, Dyas Mulyani Bihtiari, Adib Mufti Cahyani, Nisa Kurnia Daffa Kristantyo, Hervian Dani, Nur Rohmah Datien Eriska Utami DERI MUHAMAD NURENDI, DERI MUHAMAD DERIL ALVIAN PERMANA, DERIL ALVIAN DESI NATALIA, DESI Devina, Shelby Dewi Oktaviani, Dewi Diana Andriyani Pratamawati Djoko Nugroho DWI ARYANTA Dwi Nugroho Dzulqarnain, Muammar Edi Junaedi Efendy, Ninda Aina Fahri Ali Ahzar Faitullani, Rizka FAKHRULLAH, AHMAD FARID Fauzi , Raasyid Ahmad Fauziah Anwar, Natasya Fauziah, Dini FEBRIAN HADIATNA Fida’ Husain Fiddin, Faril Aditya Fika, Fairuz Adna Firdasari, Rohida Fita Emiliana, Putri Diana Fitria Nawir, Fitria Fitria, Novita Eka Nur Fitriah, Hardiana Hidayatul Fransiska, Widia Garnawansah, Gagan GARY ANDRI SEPGIANTO, GARY ANDRI Hamidah, Lilia Farah Hanik Liskustyawati, Hanik Harjoyo, Harjoyo Harnisah, Harnisah Herawan, Lavenia Hermawan, Sapto Heru Subaris Kasjono, Heru Subaris Hidayah, Khalimatul Hidayat, M. Khoiruddin Hidayati, Alwisia Nur Hudiono Hudiono, Hudiono I Gusti Bagus Wirawan I Wayan Suka Yasa, I Wayan Suka Ida Nugroho Saputro Idi Setiyobroto Idris, Sailaden Dipatuan IHFAZH NURDIN EKA NUGRAHA Ika Maya Desy Ana IKA MUTIARA AGUSTIN, IKA MUTIARA Ikbal Marus, Ikbal Imran Al Hafiz Inayah, Mariama Jauharotul Indrajaya, Indrajaya Indriyani Indriyani Irmalita Tahir, Irmalita Irwandy, Deddy iskandar, slamet ISMAIL CUMENTAS Ismail, Firdaut Ismirah, Ismirah Istiqamah, Lailaaa Ita Purnama, Ita Januar Rivtia, Intan JAUHAN BUDIWAN, JAUHAN Juliananda, Rindiani Kandiarum, Dyyah Retno Kania Sawitri Karin Febri Absari Khaerul, Ahmad Khaidir, Ismail Muhammad Khoirunissa Haryanto, Najwa Hanifah Khoirunnisa, Imelda Kholim, Rismatul Neina Kurlia Kumalasari, Intan Kusumawati, Rizki Amelia Lego Karjoko Lestari, Avida Lestari, Insan Indah Lestari, Nugraheni Tri Lestiyani, Ahlul Lingga Puspita Sekar Ayu Ramadhan Listyo, Dwi M IQBALLY, M Magfirah, Altingia Maharani, Ika Maharsi, Ganesh Jatu Mahmudah, Nazwa Lailatul Maman A. Djauhari Marchelly, Nancy Mardjoko, Mardjoko Martati, Endah Martono Martono Mas’Udia, Putri Elfa Mayshela, Rizki Melando, Nelinda Miko Aditiya Suharto Mochammad Junus Moechammad Sarosa Mufida, Uma Muh Azril Muhammad Amiruddin Dardiri Muji, Muji Mujtahidah, Tholibah Mukhoyaroh, Mukhoyaroh Mulidah Nur Afifah Munawaroh Munawaroh Murtadho, Riski Zaki Mustofa, Heri Nafi, Fatkhi Khoirun Naili Mursidah Najamuddin Najamuddin, Najamuddin Nana Subarna, Nana NANDANG TARYANA NASRUN HARIYANTO NATHALIS TIMBIRI Nayotama Yasir, Mahatva Nazareta, Putri Indah Nebuchadnezzar Akbar Ngapuli Irmea Sinisuka, Ngapuli Irmea Niken Syafitri Niken Wulandari Nikmah, Wafiyatun Ni’mah, Shofwatun Noviansyah, Wahyu Nugraha, Muhammad Ar Rozzaaq Nugroho, Afif Khairy Nur Rohmah Nuraini, Aulia Nurdiansah, Doni Nurfarani, Selly Adilila Nurfatra, Daniel Nurhakim, Ashadi Amir Nurhaliza, Septi Nurhidayat Nurhidayat Nurlisa, Yani Hesti Oktarini, Riri Paksi, Arie Kusuma Pambudi, Cahyo Nur Parouli M. Pakpahan Parsiyono, Parsiyono Pasaribu, Roberto Patar Patmawati, Efi Tri Pertiwi, Citra Prabowo, Handy Widianto Pramono, Pradipta Bayuaji Pramudia, Dhimas Andriano Pramudiawati, Olivia Indah Pranoto, Aris Kabul Prasetya, Zaki Ismu Puspaningsih, Nurul Puspitaningtyas, Kinanthi Puspitasari, Clara Wahyu Putra, Amir Hidayatul Putra, Mohamad Farda Rizqi Putri Damayanti, Ika Putri Indah Nazareta Putri Ramadhani, Putri Putri, Leilani Vania Putri, Sinta Retno Putri, Syahrani Dyajeng Putri, Tiara Ferninda Putro, Baskoro Nugroho Rachmaningtyas, Samitha Raden, Muhammad Sahlan R Radhiyah, Nafi’ah Alya Radhwa, Jihan Nurfajrina Rahma Nisa Aulia Rahmadhani , Ersa Novalia Rahmadhania, Laila Suci Rahmawati Solehah, Berliana Rahmawati, Destiyana Ramadhani, Iska Dwi RAMDHANI RAMDHANI Ramili, Yunita Rayhan Difa, Muhammad Ahnaf RENDI VERIYANDI Reynar Gerson Azarya RHAMANDITA SUDRAJAT Rialihanto, Muhammad Primiaji Rifki, Faiz Rifki, Zulfika Ahmad RIKI ARNANDO, RIKI Rila Dyah Wening Tyas Rina Sari Qurniawati, Rina Sari Riwayati, Lutfia Okta Rizmauliana, Fadila ROBBY IKHSAN AR RASYID Roemintoyo Roemintoyo Rohmadhoni, Oktavia Suci Romadhoni, Serli Romadlon, Akhmad Romadlon, Shofiyul Irchami Rony Syaifullah Rony Syaifullah, Rony Rosita Candrakirana Rosita, Karunia Rovinuraini, Lathievah ROZI NURJAMAN, RIZAL FACHRUL Rufaizaturrohmah, Rufaizaturrohmah Rusman R. Manik RUSTAMAJI RUSTAMAJI Sabarini, Sri Santoso Salsabila Adha, Natasya Putri Samuki, Khairul Sania Redza Priyono Saptono, Rachmad Saputra, Andrianto Sarah Rabani Salim Sarah, Nani Nuraini Sari, Afriana Sari, Annisa Novita Sari, Reggina Eriyanti Zealanandia Aura Sarjoko Sarjoko, Sarjoko Sasmini Sehati, Sehati Setiawan, Dita Setiawan, Firandika Setiowati , Noni Oktiana Shifa Barirohtun, Annasza Shobrina Silmi Qori Tartila Sihite, Meida Rabia Simon I Patty Siolimbona, Abdul Ajiz Siswanto, Tri Agus SITI SAODAH Siti Zubaidah Slamet Riyadi Sodikin, Achmad Soelistianto, Farida Arinie Sri Hidayati Sri Hidayati Sri Sumarni Suci Rahmadhania, Laila Sufiarina Sufriani, Febri Sugiyarto Sugiyarto Sukatiman Sukatiman Sukirno Sukirno Sukmaya, Dwinugrah Yogas Sukodoyo Sukodoyo Sunaryanti, Maya Suparwoto Suparwoto Supriyanto Supriyanto Suratna, Suratna Suryani, Isti Suwandi Suwandi Suwarno Suwarno SYAHRIAL SYAHRIAL Syaifullah Syaifullah Syamsiar, Syamsiar Syarifah, Naiela Nur Syirat, Nisrina Mumtaz SYLVIA OKTOBELLA PUSPITASARI, SYLVIA OKTOBELLA Tahaanii, Aanisah Nida Tamrin, AG Tanjung, Anasri TAUFIK ISMAIL AR, TAUFIK ISMAIL Taufik, Mochammad Taufiq Lilo Adi Sucipto Tegnan , Hilaire TEGUH ARFIANTO TEGUH ARFIANTO Tri Aji, Muhammad Tri Siswati, Tri TRIWAHYU RUBIANTO Triwibowo, Agus Ummu Hanifah, Ummu Utomo, Tri Aprilijanto Vicentius Wuried Prayogo Victorian, Ahmad Richard Vinno Ngadde Virgiana, Yohana W, Tri Sumarni Wahyu Indra Bayu Wahyudi, Dzikri Wahyudin, Muhamad Waluyo, Alif Wibowo, Eko S Wibowo, Riyadi Saputra Widura, Andre Wijaya, Rr. Chantika Vebyola Wulan, Aulia Respita Yamarizky, Muhammad Daffa Alfie Yananto Mihadi Putra Yosan Ageng Nugroho YUDA YUANDHITRA, YUDA Yulfan Arif Nurohman Yuliati - Yunanda, Icha Devransiska Yuniar, Sucifa Thita Yunus, Aulia Shalahuddin Yuono, Yuono Yusuf, Krisna Bhayangkara Zahrotul T, Annisa Ica Zahwara, Najwa Arsy Zainullah, Zainullah Zifamina, M. Ikhbar Fiamrillah Zulhan A Harahap, Zulhan A