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All Journal Al-Ulum Intizar LAW REVIEW JURNAL IQRA´ ARISTO Abdimas Dewantara Pharmacology and Clinical Pharmacy Research Jurnal Ilmu Hukum The Juris Jurnal Yuridis Otentik's : Jurnal Hukum Kenotariatan Selisik : Jurnal Hukum dan Bisnis Syntax Idea Jurnal Medika Hutama Enrichment : Journal of Management Science Midwifery Attractive : Innovative Education Journal Jurnal Hukum Bisnis Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences LEGAL BRIEF Journal of Holistic and Traditional Medicine (JHTM) JOELS: Journal of Election and Leadership Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Jurnal Sosial dan Teknologi Devotion: Journal of Research and Community Service Jurnal Studi Islam Lintas Negara (Journal of Cross-Border Islamic Studies) Berajah Journal International Journal of Social Service and Research Cendikia : Media Jurnal Ilmiah Pendidikan Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Bulletin of Community Engagement Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Collegium Studiosum Journal International Journal of Social Science, Education, Communication and Economics Jurnal DIALEKTIKA : Jurnal Ilmu Sosial Journal Indonesia Law and Policy Review (JILPR) Jurnal Cakrawala Ilmiah Berdikari : Jurnal Pengabdian kepada Masyarakat Journal of Law, Poliitic and Humanities J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Borneo : Journal of Islamic Studies Jurnal Indonesia Sosial Sains Jurnal Pendidikan Islam Indonesia Jurnal Pengabdian Kepada Masyarakat Cross-border Eduvest - Journal of Universal Studies Innovative: Journal Of Social Science Research Jurnal Pendidikan Islam Jurnal Manajemen Pendidikan Islam IIJSE Cross-Border Journal of Business Management Journal of Innovative and Creativity MARAS : Jurnal Penelitian Multidisplin Jurnal Riset Ilmiah Jurnal Intelek Dan Cendikiawan Nusantara SEIKAT: Jurnal Ilmu Sosial, Politik dan Hukum Journal of Indonesian Health Policy and Administration Presidensial: Jurnal Hukum, Administrasi Negara, Dan Kebijakan Publik Referendum Federalisme : Jurnal Kajian Hukum Dan Ilmu Komunikasi Mahkamah: Jurnal Riset Ilmu Hukum Jurnal Kajian Hukum Dan Kebijakan Publik Jurisprudensi: Jurnal Ilmu Hukum Majelis: Jurnal Hukum Indonesia IPSSJ Journal of Islamic Economic Laws Prosiding Seminar Nasional Indonesia CAPITALIS (JOURNAL OF SOCIAL SCIENCES) INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) INTERNATIONAL JOURNAL OF SOCIETY REVIEWS (INJOSER) International Journal of Teaching and Learning (INJOTEL) Jurnal Administrasi Negara Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN) INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE) BORJUIS (JURNAL OF ECONOMY) Jurnal Kesehatan (JK) INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE) Jurnal Salome (Multidisipliner Keilmuan) International Journal of Social and Education (INJOSEDU) JUTEQ (JURNAL TEOLOGI & TAFSIR) NETIZEN (JOURNAL OF SOCIETY AND BUSSINESS) ZAHRA (JOURNAL OF HEALTH AND MEDICAL RESEARCH) Journal of Community Dedication Indonesian Journal of Education (INJOE) Journal of Law and Nation Humanitis (Jurnal Humaniora Sosial dan Bisnis) Jurnal Ekonomi dan Bisnis (Jebi) Jurnal Komunikasi Review of International Economy and finance (RITEF)
Gunawan Widjaja
Faculty Of Law Universitas 17 Agustus 1945 Jakarta, Indonesia
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Immunology & microbiology Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Neuroscience Nursing Physics Public Health Social Sciences Veterinary Other

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BANKING REGULATIONS AS INSTRUMENTS FOR REGULATING NATIONAL ECONOMIC ACTIVITIES: A COMPREHENSIVE LITERATURE REVIEW OF THE ROLE OF BANK INDONESIA AND THE FINANCIAL SERVICES AUTHORITY IN ACHIEVING FINANCIAL STABILITY, SUSTAINABLE ECONOMIC GROWTH, AND MODERN PAYMENT SYSTEM INTEGRATION Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 7 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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This study examines banking regulations as an instrument for regulating national economic activities through the complementary roles of Bank Indonesia (BI) and the Financial Services Authority (OJK) in achieving financial stability, sustainable economic growth, and modern payment system integration. Using a normative-descriptive literature review approach, the analysis focuses on the evolution of macroprudential-microprudential supervision after the 1998 crisis, the implementation of Basel III, the Sustainable Finance Roadmap, and BI-FAST and QRIS innovations that promote digital financial inclusion. The findings confirm that the synergy between BI and OJK through the Financial System Stability Committee (KSSK) has succeeded in balancing systemic stability with productive credit intermediation, green banking, and national payment transformation. The study recommends harmonising adaptive regulations, strengthening suptech, and accelerating sustainable taxonomy to address global disruption and Indonesia's 2045 economic vision.
THE EVOLUTION OF BANKING SECTOR REGULATION IN SUPPORTING INDONESIA'S NATIONAL ECONOMIC DYNAMICS: A LITERATURE REVIEW OF MONETARY POLICY, MACROPRUDENTIAL SUPERVISION, AND POST-FINANCIAL REFORM REGULATORY HARMONISATION FOR OPTIMISING CONTRIBUTIONS TO DEVELOPMENT Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 7 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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Regulatory harmonisation in the financial sector is key to ensuring economic stability while maximising the contribution of the banking sector to national development in Indonesia. Harmonious regulations not only help prevent instability, but also support innovation and efficiency in financial services. Thus, financial institutions can focus more on developing products and services that accelerate financial inclusion in society and support small and medium-sized enterprises, which are the main pillars of the economy. Digitalisation and technological innovation, including collaboration with fintech, are important elements in supporting the competitiveness and sustainability of the financial sector. Digital transformation enables banks to offer more inclusive and personalised financial solutions tailored to the specific needs of customers. In addition, adaptive regulations are needed to balance good risk management with the need for innovation, thereby creating a dynamic financial ecosystem that supports broader economic growth.
LEGAL REGULATIONS ON TRADE AS AN INSTRUMENT FOR CONTROLLING NATIONAL ECONOMIC ACTIVITIES: A LEGAL REVIEW OF THE ROLE OF REGULATION, PROTECTION OF BUSINESS ACTORS AND CONSUMERS, AND ITS IMPLICATIONS FOR ECONOMIC STABILITY (LITERATURE REVIEW) Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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This study analyses trade regulations as instruments for controlling Indonesia's national economic activities through a normative juridical review based on literature studies. Using a legislative approach to Law No. 7 of 2014 on Trade, Law No. 5 of 1999 on Business Competition, and Law-Law Number 8 of 1999 concerning Consumer Protection, the study identifies two main functions: (1) the role of trade regulation in controlling distribution, selective protectionism, and trade balance stability; and (2) legal protection for business actors and consumers that creates a healthy competitive climate and market confidence. The results show that the synergy of these three legal regimes effectively supports macroeconomic stability through the prevention of monopolies, supervision of e-commerce, and harmonisation of stakeholder interests, although it requires digital reform and strengthening of law enforcement to adapt to trade globalisation.
REGULATING NATIONAL ECONOMIC ACTIVITIES THROUGH TRADE: A NORMATIVE ANALYSIS OF THE STATE'S ROLE IN REGULATING MARKETS, MAINTAINING FAIR DISTRIBUTION, AND REALISING PUBLIC WELFARE (LITERATURE REVIEW) Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 2 No. 8 (2026): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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This study analyses trade law regulations as instruments for controlling national economic activities through a normative juridical approach based on literature review, focusing on Law No. 7 of 2014 on Trade as a constitutional derivative of Article 33 of the 1945 Constitution. The first discussion reveals the role of the state in regulating the market through the harmonisation of interregional regulations, control of strategic goods, supervision of e-commerce, and commodity futures markets for economic efficiency and stability. The second discussion evaluates the contribution of trade regulations to distributive justice through the stabilisation of basic commodity prices, the empowerment of MSMEs, the protection of farmers, and synergy with the KPPU, which succeeded in reducing the Gini coefficient from 0.388 (2020) to 0.379 (2025). The findings confirm that national trade regulations are effective in achieving public welfare, although they require digital governance reforms and geopolitical adaptation for the Indonesia Emas 2045 vision. This study recommends strengthening the digital single window, ASEAN harmonisation, and optimising strategic distribution state-owned enterprises.
INFRASTRUCTURE INVESTMENT POLICY TO BOOST ECONOMIC GROWTH AND INCREASE EMPLOYMENT Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 2 (2024): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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In terms of the economic factors, it has been noted that infrastructure investment policy is considered as one of the strategies, which can be carried out to improve the economy and create job opportunities. Such an approach is performed in this research. Findings prove that appropriate infrastructure investment can leverage even higher growth inducing multiplier effects, boost productivity, and encourage growth of associated industries. Infrastructure sectors such as transport, energy, and telecommunications development would not only create jobs during the construction stage but would also create a further demand for employment within other support industries. Nevertheless, the success of this strategy will depend on the correct preparation, effective realization, and cooperation between public and private bodies. In summary, it is evident that an efficient and inclusive infrastructure investment strategy can be a crucial instrument of promoting economic development and job creation.
ENVIRONMENTAL, SOCIAL, AND GOVERNANCE (ESG) FACTORS IN FINANCIAL MANAGEMENT: A SYSTEMATIC REVIEW AND RESEARCH AGENDA Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 2 (2024): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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Environmental, Social, and Governance (ESG) factors play an increasingly important role in contemporary financial management. The integration of ESG into business strategy and financial decision-making not only reflects a company's responsibility to society and the environment, but also contributes to improved long-term financial performance. Companies that implement strong ESG practices tend to demonstrate better risk management, a stronger reputation, and greater appeal to responsible investors. In addition, a focus on ESG helps companies identify innovation opportunities, improve operational efficiency, and meet increasing stakeholder expectations. As such, ESG has become an integral component of modern financial management, influencing aspects ranging from capital allocation and investment appraisal to financial reporting and long-term growth strategies. In conclusion, this review confirms the importance of ESG factors in modern financial management and highlights its potential as an effective business strategy to achieve long-term financial success in a business environment that increasingly emphasises sustainability and social responsibility.
THE RELATIONSHIP BETWEEN MINIMUM WAGE POLICY, HUMAN CAPITAL INVESTMENT, AND ECONOMIC GROWTH Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 3 (2024): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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The relationship between minimum wage policy, human capital investment, and economic growth refers to the complex interaction between three key elements in economic development. Minimum wage policy is a government regulation that sets the lowest limit of wages to be paid to workers. Human capital investment involves efforts to improve the quality and capacity of the workforce through education, training and skills development. Meanwhile, economic growth refers to the increase in the production capacity of goods and services in an economy over time. This relationship illustrates how the right wage policy and investment in human capital can work together to boost productivity, innovation, and ultimately sustainable economic growth. The research method uses a literature review. The results show that an appropriate minimum wage policy can improve workers' living standards and encourage consumption, but needs to be implemented carefully to avoid negative impacts on employment. Investments in human capital through education and training are proven to increase productivity and innovation, which in turn boost economic growth. The study concludes that a balanced and integrated approach in managing minimum wage policy and human capital investment is essential to achieve sustainable and inclusive economic growth.
ANALYSIS OF THE IMPACT OF THE COVID-19 PANDEMIC ON UMKM AND ADAPTATION STRATEGIES: A LITERATURE REVIEW Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 4 (2024): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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The COVID-19 pandemic has changed the global economic landscape, having a significant impact on various sectors, including Micro, Small and Medium Enterprises (MSMEs). This study aims to systematically analyse and review the impact of the COVID- 19 pandemic on MSMEs and identify adaptation strategies implemented by MSMEs in the face of this crisis. The results showed that the COVID-19 pandemic brought severe economic challenges to MSMEs, including decreased turnover, disruptions in the supply chain, and difficulties in accessing finance. However, the study also found that MSMEs that were able to adapt quickly, such as through business digitalisation, product diversification, and the use of e-commerce platforms, were able to minimise the negative impacts and even find new opportunities in the crisis. Based on this analysis, it is concluded that government support and access to resources are key in increasing MSMEs' resilience to the impact of the pandemic. This research provides insights for policymakers, practitioners, and academics in developing effective strategies and interventions to support MSMEs in the pandemic era and beyond.
TRANSFORMATION OF SOCIAL ECONOMY LAW: A LITERATURE STUDY ON REGULATORY IMPLEMENTATION AND EFFECTIVENESS Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 4 (2024): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
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This research aims to examine the transformation of social economic law, by reviewing various literatures that review the implementation and effectiveness of existing regulations. In the context of this research, legal transformation is considered a dynamic and continuous process that must be able to adjust to the rapidly changing socio-economic environment. The study concludes that an effective regulation in the social economy must be flexible, accessible and responsive to social needs, with an emphasis on community empowerment and broader social interests. In addition, this study highlights the importance of continuous monitoring and evaluation to keep regulations relevant and able to have a positive impact in a sustainable manner.
THE DIGITAL AGE AND THE EVOLUTION OF SOCIAL ECONOMY LAW: AN ANALYSIS OF THE LITERATURE AND ITS IMPACT ON THE FUTURE OF PUBLIC POLICY Gunawan Widjaja
INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS Vol. 1 No. 4 (2024): INTERNATIONAL JOURNAL OF FINANCIAL ECONOMICS (IJEFE)
Publisher : CV. Adiba Aisha Amira

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This research analyses relevant literature to identify key changes in copyright regulation, data protection and digital market policies. The analysis shows that the digital age presents new challenges and opportunities that require adaptive responses from legal systems and public policies. The impact of these changes includes the need to update and develop a more responsive regulatory framework that can not only accommodate technological innovation but also protect the public interest and ensure fair competition. This research highlights the importance of collaboration between policymakers, academics and legal practitioners to create policies that support sustainable economic and social development in the face of digital transformation.
Co-Authors Aat Ruchiat Nugraha Abadi, Songga Aurora Abd. Basir Abdul Samad Arief Abdul Wahab Syakhrani Abdur Rahman Achmad Fazrin Adi Rumanto Waruwu Adrian Bima Putra Adrian Bima Putra Advitama, Dave Affandi Affandi Agus Supriyanto Agus Supriyanto Agustinus Nugroho Jati Aisyah, Shyavara Alam Anbari Anastasia Prestika Andina Rahmayani Andreani Dewanto Andreas Harry Andreas Harry Anggia Az Zahra Anindita Widyapradnya Annas Tasya N.A Annas Tasya N.A, Annisa Rachmawati, Dsk Putu Ayu L.A, Khaerunnisa Ade P., Muhammad Fachri, Pradita Ajeng S.A Annisa Purwo Hastuti Annisa Rachmawati Ari Rahmat Elsad Arif Rahman Baihaqi Arman Harahap Asep Saepullah Aslan Aslan Aslan Aslan Aswan Athalia Christine L Ayu Miya Maryani B.M.A.S. Anaconda Bangkara Bintan R. Saragih Brian Matthew Budi Suranto Bangun Cecep Suhardiman Cecep Suhardiman Cecep Suhardiman Cesarianti, Fransiska Milenia Chairunnissa Chairunnissa Christiawan, Rio Christina Herawati G Damun, Damun Danang Rahmat Surono Dave Advitama Delia Bazlina Deny Wicaksono, Deny Dhanudibroto, Handojo Dheas Syahreza Muslim Diana ., Diana Diana Laila Ramatillah Dimas Tripraditiya Dipo Pramudito Dipo Pramudito Dsk Putu Ayu L.A Dumilah Ayuningtyas Dyah Ersita Yustanti Dyah Ersita Yustanti Dyah Ersita Yustanti Dyah Ersita Yustanti Dyah Ersita Yustanti Ekasari, Silvia Ekha Sri Sugiarti Elisabeth Purnama Massang Enna Budiman Enna Budiman Ersita Yustanti, Dyah Fachrurazi Farika Nikmah Farrel Abiyu Ramadhana Fitra Sri Rahayu Grace Riana H. Deni Salahuddin Hadenan Towpek Hadenan Towpek Halim , Adriansyah Handojo Dhanudibroto Handojo Dhanudibroto Handojo Dhanudibroto Handojo Dhanudibroto Hansel Kalama Hardijan Rusli, Hardijan Harry, Andreas Hatta, Ignatius Bambang Sukarno Hendra . Hendrawan Hendrawan Hendriarto, Prasetyono Heri Kustanto Hernita Hernita Hernita Hotma P. Sibuea Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Hotmaria Hertawaty Sijabat Ita Nurcholifah Iyad Abdallah Al- Shreifeen Iyad Abdallah Al-Shreifeen Jahidin Kuswanto Januar Agung Saputera Jessica Francis Gunawan Jestin Justian Juliana, Juliana Junior B. Gregorius Karunia Ilham Karim Kevin Neil McVey Khaerunnisa Ade P. Khairul Nizam bin Zainal Badri Khalimi Khalimi Khalimi Lalu Syaifudin Lidya Cristy S Loso Judijanto M Reydhi Suwanda M Ruswan Talaohu M. Hafiz Aini M. Zahari Mahmudin, Tono Mailinda, Nur Martedjo, Wagiman Martin Maurer M.Marpaung Megasari Sijabat, Fittry Mellisa Efiyanti Mellisa Efiyanti Melyana Melyana Mervyn Mervyn Michael Matthew Michelle Angelika S Mika Anabelle Miya Maryani, Ayu Moch. Isra Hajiri Mochammad Roufal Moh. Imam Ishomuddin Zuhri Mohammad Ahmad Bani Amer Monica Monica Mowafg Abrahem Masuwd Muhammad Anas Ma`arif Muhammad Fachri Muhammad Ikhwan Muhammad Ikhwan Muhammad Nagieb Muhammad Naufal Arifiyanto Muhammad Rayyan Firdaus Muthia Rachman Nadila Citra Aprilia Naiborhu, Mesa Indra Ni Nyoman Ari Triantari Nini Putri Wijaya, Nini Putri Nofianty Helyo Novan Dzaky Pangestu Novi Puji Lestari Novi Rizky Ramadhani Novi Rizky Ramadhani Nugroho, Sudrajat Mukti Nur Ulfa Maulida Nurwita, Nurwita Oggy Satya Tambunan Olivia Pauline Hartanti Poetranto, Soeryo Pradita Ajeng S.A Puji Hastuti Rafa Zahirah Husein Rahadian Bayu Anggoro Rahardja, Tony Rahmat Nasution Raissa Arlyn Manikam Rajes Khana Ramdan Yusuf Renaldi Immanuel Panggabean Renaldi Immanuel Panggabean Retnaningtyas Insyira Retnaningtyas Insyira, Anggia Az Zahra, Nadila Citra Aprilia, Chairunnissa, Muhammad Rayyan Firdaus, Novan Dzaky Pangestu Reza Sutrianingtyas Rahayu Rianti Nurul Oktavia Rif'ah Rif'ah Rifa’at Hanifa Muslimah Rifa’at Hanifa Muslimah Rio Johan Putra Ririn Nurhidayanti Rizka Anindya Manjayani Rizky Yosa Adhi Prabowo Robby Sulivan, Robby Robert Iskandar Rumanto Waruwu, Adi Salmon Sihite Salsa Rizkya Samsuto, Samsuto Sanchita Bhattacharya Sanjaya, Aditya Santika Santika Sarah Ramadona Sardjana Orba Manullang Savira Lovianda Gunawan Sendi Sanjaya Sendi Sanjaya SH Septy Kusuma Septy Kusuma, Arif Rahman Baihaqi, M Ruswan Talaohu, Santika, Sarah Ramadona, Salsa Rizkya Setiawan, Lisno Shella Felicia Shohib MUSLIM Sihite, Salmon Silalahi, Yohanes B O Siti Hafifa Marlinda Putri Siti Nur Azizah Siti Rokayah Songga Aurora Abadi Songga Aurora Abadi Sri Sugiarti, Ekha Sudrajat, Maman Sukh Pawen Jit Kaur Sunnah, Sunnah Syavitri Ramadhani Sylvana, Yana Tahir, Usman Tamrin Tamrin Tanti Herawati Taufik Rahman Taupik Alpiyandi Theresia Vena Tiwi Siftiyani Rosidah Towpek, Hadenan Ummah, Iriaty Khairul Usman Tahir Viony Kresna Sumantri Vivin Caronia Wagiman Wagiman WAGIMAN Wagiman . Wagiman Wagiman WAHYUDI Wibowo Laksono Widodo Wibowo, Basuki Rekso Widjaja, Liza Wijaya, Hanna Wirawan, Vani Yana Sylvana Yohanes Firmansyah Yohanes Firmansyah Yohanes Firmansyah Yohanes Firmansyah Yohanes Firmansyah Yuli Supriani Yuri Anggi Yustinus Lambang Setyo Putro Yustinus Rurie Wirawan Yusuf, Ramdan Zainal Arifin