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All Journal Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) JURNAL ILMIAH MANAJEMEN & BISNIS Jurnal Manajemen & Keuangan Journal of Economic, Bussines and Accounting (COSTING) SEIKO : Journal of Management & Business JURNAL PENDIDIKAN TAMBUSAI IKRA-ITH ABDIMAS IKRA-ITH EKONOMIKA Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Journal of Research in Business, Economics, and Education Journal of Business, Management, and Accounting Ilomata International Journal of Tax and Accounting JIIP (Jurnal Ilmiah Ilmu Pendidikan) International Journal of Finance Research Journal of Economics and Business Letters Jurnal Abdimas Kartika Wijayakusuma International Journal of Management Science and Information Technology (IJMSIT) Jurnal Multidisiplin Madani (MUDIMA) KOMMAS: Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmiah Multidisiplin (JUKIM) Jurnal Pengabdian Pelitabangsa Jurnal Masyarakat Mengabdi Nusantara Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Action Research Journal Indonesia (ARJI) Jurnal Kabar Masyarakat Jurnal Pelita Manajemen Jurnal Lentera Pengabdian JAKBS Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis Margin: Jurnal Lentera Managemen Keuangan Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Jurnal Ilmiah Ekonomi dan Manajemen Proceeding International Pelita Bangsa JEBD Neraca Manajemen, Akuntansi, dan Ekonomi Central Community Development Journal Dedikasi : Jurnal Pengabdian Lentera Jurnal Intelek Dan Cendikiawan Nusantara JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Indonesia Bergerak: Jurnal Hasil Kegiatan Pengabdian Masyarakat Akuntansi dan Ekonomi Pajak: Perspektif Global Jurnal Manajemen Bisnis Digital Terkini Journal of Business Economics and Management Global Leadership Organizational Research in Management Jurnal Riset Multidisiplin Edukasi Growth: Journal Management and Business Ulil Albab Indonesia Economic Journal Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi International Journal of Education and Learning Studies
Muhamad Syahwildan
Universitas Pelita Bangsa
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Analisis Kualitatif Anggaran Harga Pokok Produksi terhadap Efisiensi Biaya Operasional PT Indofood Sukses Makmur Tbk Agustiana, Aditiya; Putri, Tutut Mutiara; Nurvianti, Rizki Amallia; Utami, Laela Dwi; Syahwildan, Muhamad
IKRAITH-EKONOMIKA Vol. 8 No. 2 (2025): IKRAITH-EKONOMIKA Vol 8 No 2 Juli 2025
Publisher : Universitas Persada Indonesia YAI

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Efisiensi biaya menjadi salah satu fokus penting dalam keberlangsungan industri manufaktur. Salah satu komponennya adalah pengelolaan anggaran harga pokok produksi (HPP) yang tepat. Penelitian ini bertujuan untuk memahami bagaimana penganggaran HPP diterapkan di PT Indofood Sukses Makmur Tbk dan dampaknya terhadap efisiensi biaya operasional. Pendekatan penelitian yang digunakan adalah kualitatif deskriptif, dengan teknik pengumpulan data berupa studi literatur dan analisis laporan keuangan perusahaan selama periode 2022 hingga 2024. Peneliti menelaah dokumen berupa laporan tahunan, laporan laba rugi, serta informasi produksi untuk mengkaji kesesuaian antara rencana anggaran dan realisasi biaya. Temuan menunjukkan bahwa penganggaran HPP yang efektif dapat membantu perusahaan mengenali potensi pemborosan serta meningkatkan akurasi dalam perencanaan biaya produksi. Kebaruan dari penelitian ini terletak pada pendekatannya yang fokus pada evaluasi anggaran berbasis dokumen aktual dari perusahaan skala besar. Penelitian ini juga memberikan gambaran tentang pentingnya pengendalian biaya yang terstruktur sebagai fondasi pengambilan keputusan strategis jangka panjang di sektor manufaktur.
The Influence of Financial Literacy, Self-Efficacy, and Coping Strategies on Students' Finances Syahwildan, Muhamad; Hidayah, Zulfa Zakiatul
Ilomata International Journal of Tax and Accounting Vol. 5 No. 1 (2024): January 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52728/ijtc.v5i1.1056

Abstract

Students with financial behavior that tends to be consumptive have a negative impact on financial behavior, new experiences as students and employees with limited income and various expenses must be able to be managed properly to be able to produce good financial behavior. This study aims to determine the effect of financial literacy on financial management behavior and to analyze the psychological effect of Self-Efficacy and Self-Coping on financial management behavior of undergraduate students in the management study program at Pelita Bangsa University. The research method used is quantitative with data sources taken by distributing questionnaires. Sampling used is by simple random sampling method. The population in this study were all students of the management study program in 2022 with a total of 4995, with a sample of 98 respondents obtained from the Slovin formula. The results of the research tested with SmartPLS 3.0 show that financial literacy, self-efficacy, and self-coping have a significant effect on financial behavior.
Tantangan dan Peluang Pasar Modal Indonesia dalam Meningkatkan Minat Investasi di Era Digital Rohyati, Rohyati; Rokhmah, Farakh Putri Nur; Syazeedah, Haudli Nurfitrah Uskytia; Fitriyaningrum, Rista Indah; Ramadhan, Gilang; Syahwildan, Muhamad
Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Vol. 3 No. 1 (2024): Juli 2024
Publisher : PT Seval Literindo Kreasi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57141/kompeten.v3i1.133

Abstract

Pasar modal Indonesia mengalami transformasi signifikan seiring dengan perkembangan teknologi digital. Penelitian ini membahas tantangan dan peluang yang dihadapi oleh pasar modal Indonesia dalam meningkatkan minat investasi di era digital. Tantangan utama meliputi kurangnya literasi keuangan di kalangan masyarakat, keamanan siber, dan regulasi yang belum sepenuhnya mengakomodasi inovasi teknologi. Di sisi lain, peluang yang muncul mencakup peningkatan aksesibilitas informasi, kemudahan transaksi melalui platform digital, dan potensi partisipasi lebih luas dari investor ritel. Melalui analisis literatur dan data empiris, penelitian ini mengevaluasi bagaimana integrasi teknologi dapat memperkuat daya tarik pasar modal Indonesia. Temuan menunjukkan bahwa upaya kolaboratif antara regulator, pelaku industri, dan edukasi publik diperlukan untuk mengoptimalkan manfaat era digital dan mengatasi tantangan yang ada. Dengan demikian, pasar modal Indonesia memiliki potensi untuk menjadi lebih inklusif dan efisien, menarik lebih banyak investor dan mendukung pertumbuhan ekonomi nasional.
E-Book Berbasis AR dengan CBL SDGs : Meningkatkan Literasi Keuangan pada Siswa Sekolah Dasar Septian Mukhlis; Ira Restu Kurnia; Muhamad Syahwildan; Nika Sulistiawati; Rifa Naila Meiliani Manoppo Kenju
Action Research Journal Indonesia (ARJI) Vol. 7 No. 4 (2025): Action Research Journal Indonesia (ARJI)
Publisher : PT. Pusmedia Group Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61227/arji.v7i4.578

Abstract

Financial literacy is a crucial life skill that must be developed from an early age, yet Indonesia’s financial literacy index remains relatively low despite broader access to financial services. This study examines the effectiveness of an Augmented Reality (AR)-enhanced e-book integrated with Challenge-Based Learning (CBL) and Sustainable Development Goals (SDGs) in improving financial literacy among elementary students. A total of 240 fourth-grade students from four public schools participated in a mixed-methods design, divided into experimental and control groups. Data were collected through pre- and post-tests, questionnaires, interviews, and observations. Results showed that the experimental groups achieved higher post-test scores and medium N-Gain values (0.45–0.49), whereas the control groups remained in the low category (0.19–0.22). Statistical analysis further confirmed significant treatment effects, with Group factor values ranging from F = 16.72–20.08; p < .05, indicating that improvements were attributable to the AR-based intervention rather than initial ability differences. The Pre-test factor also showed significance (p < .05), yet the intervention demonstrated a stronger influence, supported by moderate-to-large effect sizes (Partial η² = 0.22–0.26). The study concludes that AR-based CBL–SDGs e-books effectively enhance financial literacy and foster meaningful learning experiences in primary education.
Financial Literacy of Elementary Students: A Preliminary Study on Early Financial Knowledge and Attitudes in Jakarta and Bekasi Septian Mukhlis; Ira Restu Kurnia; Muhamad Syahwildan; Nika Sulistiawati; Rifa Naila Meiliani Manoppo Kenju
International Journal of Education and Learning Studies Vol. 1 No. 2 (2025): International Journal of Education and Learning Studies (IJELS)
Publisher : PT. Intelektiva Global Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64421/ijels.v1i2.7

Abstract

This study aims to analyze the financial literacy of elementary school students through three dimensions: knowledge, attitudes, and financial behavior. Using a descriptive-quantitative design supported by qualitative data, the study involved 240 fifth- and sixth-grade students from elementary schools in Bekasi and Jakarta. The instrument was a 25-item financial literacy questionnaire on a Likert scale, analyzed using descriptive statistics, complemented by observations and informal interviews. The findings show that 62.1% of students fall into the low category of financial knowledge, while only 19.5% achieve a high level. Financial attitudes tend to be consumptive (M=3.89; SD=0.72), and financial behavior has not yet developed consistently, with only 27.8% of students practicing regular saving. The main inhibiting factors are the limited integration of financial education in the curriculum and the lack of family support. The study emphasizes the need for holistic, contextual, and collaborative strategies to embed financial literacy as part of 21st-century character and life skills education.
The Effect of Financial Literacy and Financial Socialization on Financial Management Behavior of Investors in Greater Bekasi Muhamad Syahwildan; Nugraha Nugraha; Nono Supriatna; Toni Heryana
International Journal of Management Science and Information Technology Vol. 6 No. 1 (2026): January - June 2026
Publisher : Lembaga Komunitas Informasi Teknologi Aceh (KITA), Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v6i1.7216

Abstract

Financial intelligence refers to an individual's ability to effectively manage and utilize financial resources, which is considered an important indicator of success in personal financial management. Proper financial management enables individuals to maximize the value of their financial resources and protect themselves from potential financial difficulties. This study aims to examine the effects of financial literacy and financial socialization on the financial management behavior of investors in the Greater Bekasi area following the COVID-19 pandemic. A quantitative research approach was employed, with data collected through questionnaires distributed to 100 investors residing in the Greater Bekasi area. The data were analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) approach with SmartPLS software. The analysis involved the assessment of the measurement model (outer model) and the structural model (inner model) to evaluate the validity, reliability, and hypothesized relationships among variables. The results indicate that financial literacy has a positive and significant effect on financial management behavior (p-value = 0.000), suggesting that higher levels of financial knowledge contribute to better financial decision-making and management practices. Financial socialization also demonstrates a positive influence on financial management behavior; however, the effect is not statistically significant at the 5% significance level (p-value = 0.093). These findings highlight the important role of financial literacy in shaping investors’ financial management behavior in the post-pandemic period.
Sinergi Sosial dalam Sunatan Massal : Menguatkan Generasi, Menyejahterakan Bangsa Muhamad Syahwildan; Widiastuti Widiastuti; Suhendra Suhendra; Aditiya Agustiana
Dedikasi: Jurnal Pengabdian Lentera Vol. 3 No. 01 (2026): Januari 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/djpl.v3i01.1203

Abstract

Sunatan atau khitan merupakan tradisi penting yang melekat kuat dalam masyarakat Indonesia, terutama komunitas Muslim, dengan makna sosial dan manfaat kesehatan yang signifikan bagi tumbuh kembang anak laki-laki. Di Desa Karangmukti, pelaksanaan sunatan menghadapi kendala utama berupa keterbatasan akses dan biaya bagi keluarga kurang mampu, yang mengakibatkan banyak anak disunat secara tradisional tanpa pengawasan medis yang benar, berpotensi menimbulkan risiko infeksi dan komplikasi kesehatan lainnya. Program sunatan massal hadir sebagai solusi nyata untuk mengatasi kesenjangan ini dengan menyediakan layanan sunatan yang aman, terjangkau, dan sesuai standar kesehatan oleh tenaga medis profesional. Kegiatan ini tidak hanya menjamin prosedur medis yang steril dan aman, tetapi juga berperan sebagai media edukasi kesehatan pasca sunat serta memperkuat solidaritas sosial dan nilai gotong royong masyarakat. Metode pelaksanaan meliputi sosialisasi, pendataan digital, pelaksanaan medis oleh tim profesional, serta pendampingan pasca sunat bekerjasama dengan tenaga kesehatan desa. Penggunaan teknologi kesehatan modern dan komunikasi digital meningkatkan mutu layanan dan koordinasi program. Dengan dukungan sinergi antara pemerintah desa, tenaga medis, tokoh masyarakat, dan donatur, program sunatan massal ini diharapkan dapat meningkatkan kesehatan dan kesejahteraan anak serta menguatkan jaringan sosial di Desa Karangmukti. Keberlanjutan program dijamin melalui partisipasi aktif pemerintah desa dan monitoring berkelanjutan. Pelaksanaan sunatan massal ini diharapkan menjadi langkah strategis untuk mewujudkan akses layanan kesehatan yang merata dan berkeadilan bagi generasi penerus desa.
Penguatan Ekonomi Kelompok Wanita Tani melalui Program Pekarangan Pangan Lestari di Desa Karangmukti Muhamad Syahwildan; Widiastuti Widiastuti; Suhendra Suhendra; Aditiya Agustiana; Kuwat Riyanto
Lentera Pengabdian Vol. 4 No. 01 (2026): januari 2026
Publisher : Lentera Ilmu Nusantara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59422/lp.v4i01.1112

Abstract

Penelitian ini mengkaji peran program budidaya sayuran dalam meningkatkan perekonomian anggota Kelompok Wanita Tani (KWT) Cempaka di Desa Karangmukti, Kecamatan Karangbahagia, Kabupaten Bekasi. Metode penelitian menggunakan pendekatan deskriptif kualitatif dengan studi kasus, melalui observasi lapangan, wawancara mendalam, dan telaah dokumen. Hasil menunjukkan bahwa pelaksanaan program Pekarangan Pangan Lestari (P2L) mampu mengoptimalkan pemanfaatan lahan rumah tangga, meningkatkan keterampilan budidaya, serta mendorong diversifikasi tanaman. Secara ekonomi, pendapatan kotor bulanan kelompok mencapai Rp. 5,27 juta, dengan pendapatan bersih sekitar Rp. 4,2–4,7 juta yang terbagi rata pada anggota. Selain aspek finansial, program ini memperkuat solidaritas sosial, menumbuhkan kemandirian perempuan, dan membuka peluang pemasaran ke pasar lokal. Keberhasilan didukung oleh bantuan bibit, peran penyuluh pertanian, dan partisipasi aktif anggota, sedangkan kendala utama meliputi keterbatasan sarana, koordinasi pengelolaan, dan minimnya inovasi budidaya.
Analisis Implementasi Anggaran Berbasis Kinerja pada Organisasi Perangkat Daerah: Pendekatan Kualitatif Muhamad syahwildan; Ade Syahrozi; Padly Nahampun; Lutvia Nida; Edwin Najib Hidayat
Jurnal Ekonomi dan Bisnis Digital Vol. 3 No. 1 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

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Abstract

This study aims to analyze the implementation of performance-based budgeting in local government agencies (Organisasi Perangkat Daerah/OPD). In the context of bureaucratic reform and the increasing demand for public transparency and accountability, performance-based budgeting serves as a strategic instrument to improve the efficiency and effectiveness of public financial management. Using a qualitative descriptive approach based on literature review, this research explores various challenges and obstacles that hinder the optimal implementation of this budgeting model. The results show that many OPDs still face limitations in understanding performance concepts, lack integrated information systems, and are constrained by inadequate human resource capacity. Evaluation processes also tend to focus on budget absorption rather than outcomes, and organizational commitment to results-based management remains weak. To address these issues, the study recommends strengthening technical competencies, integrating planning and budgeting systems, improving performance-based evaluations, and fostering a culture of accountability within public institutions. This research contributes to the discourse on public budgeting reforms by offering insights into how performance orientation in budgeting can be institutionalized more effectively at the regional government level.
Analisis Penyusunan dan Implementasi Anggaran Neraca pada PT Indofood Sukses Makmur Tbk Helvi Viola Sari; Muhammad Syahwildan
Jurnal Akuntansi Keuangan dan Bisnis Vol. 3 No. 2 (2025): Juli - September
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62379/jakbs.v3i2.3153

Abstract

This study aims to analyze the preparation and implementation of the balance sheet budget at PT Indofood Sukses Makmur Tbk, a multinational company engaged in the food and agribusiness sector. The balance sheet budget is a projection of the company’s financial position, including assets, liabilities, and equity at the end of a specific period, which plays a crucial role in supporting strategic decision-making. The research method used is descriptive qualitative with a literature study approach and analysis of the interim consolidated financial statements as of December 31, 2024, and March 31, 2025. The results show that the company's total assets increased by IDR 7.53 trillion (3.7%) in the first quarter of 2025, mainly due to significant increases in cash and cash equivalents as well as trade receivables. The company’s liabilities also rose by IDR 3.94 trillion, largely stemming from an increase in short-term bank loans and tax payables. Equity also grew through the accumulation of retained earnings and an increase in non-controlling interests. These findings highlight the importance of accurate balance sheet budgeting in optimizing financial planning and performance control. This research contributes to managerial understanding in formulating financial strategies based on balance sheet projections.
Co-Authors Abdul Latif Abel Nabila Abi Alpa Rijki Ade Faisal Ade Nurul Hidayat Ade Setiawan Ade Setiawan Ade Syahrozi Aditiya Agustiana Afifah Sanu Tarigan Agustiana, Aditiya Aladawiyah, Robiah Aldi Bagas Almas, Nova Fadhillah Alviah, Oktaviana Ambarokah, Siti Andini, Mida Andrieta Shintia Dewi Anggraeni, Annisa Wulan Angin, Lorry Br Perangin Anjani, Nayla Fitri Arbai Nugroho, Banu Arifin, Rhenald Bayu Ardhi Arum, Syifa Aulia Asep, Putri Mega Septiyani Asniyah Asniyah Asri Utami Aulia, Zaskia Debi Awaldy, Riva Pasa Azhar, Alfiyyah Badriyah, Amanda Laelatul Chyntia Novita Br Simangunsong Ciska Silvi Oktavia Claudia Rahakbauw, Cindy Damayanti, Tri Damayanti Darussalam, Maharani Putri Daspar Daspar Dewi Pangi Layla Azhari Dian Rachmawati Afandi Dika Febrianto Dinanti, Nanda Pricilia Dara Dwiyanti , Senyy Amelia Edwin Najib Hidayat Elsa Septianti, Listiara Elsye Fatmawati Endah Yulita Anggraeni Erin Soleha Etty Zuliawati Zed Fahamsyah, Mohammad Hatta Fairuzy, Fakhri Ramdhani Fajrinur, Muhamad Fatimah Ratu Shafwan Fatma Riyana Fiqih Maria Rabiatul Hariroh Fitriyaningrum, Rista Indah Galih Thariq Murdianto Galih thoriq murdianto Gilang Ramadhan Giri Nurpribadi Gunawan, Andrean Syah Hafiz, Sultan Maulana Hariroh, Fiqih Maria Rabiatul Helvi Viola Sari Heryana, Toni Hidayah, Zulfa Zakiatul Hikmah, Ayu Nur Imas Purnamasari Indra Permana Indra Setiawan Ira Restu Kurnia Irma Damayanti Iroqi, Zaenal Isarianto Isarianto Kartika, Yuniar Ayu Kemala, Dewi Khaerul Imam Mubaroq Khomisah Khomisah Kirono, Catur Sasi Kuwat Riyanto Lailatul Mubarokah Leli nofentri hulu Lisa Permatasari Lutvia Nida Lydia Anggun Fathrani Manalu, Didi Andrianus Mandasari, Pratika Intan Masykur Arief Subagya Maulita, Aprilia Nifatul Mega Lenita Purnama Meidita, Silvie Aulia Meilani Safitri Miftah Fauzie Mikhael David James Sirait Mikhael Devid James Sirait Moehamad Satiadarma Mubarok, Akhmad Yasir Muhamad Aminudin Muhamad Ekhsan Muhammad Alhadad Muhammad Iqbal Alamsyah Muhammad Isra Muhammad Ridwan Irawan Mukhlis, Septian Munajad , Ali Murdianto, Galih Thoriq Mutiara Zahra Bilqis Nafa Nur Malasari Nahampun Widia Pratama Naufal Adriradwa Neti Budiwati Nika Sulistiawati Nono Supriatna Noviantika, Fitria Nugraha Nugraha Nugroho, Andrianto Prasetya Nugroho, Arif Widodo Nurvianti, Rizki Amallia Okta Kurniati Padly Nahampun Parulian Parulian Parulian, Parulian Prasetyo Hari Sandi prasetyo, galih adi Pratiwi, Rizka Estisia Prayitno, Sagita Putri Preatmi Nurastuti Pupung Purnamasari Purnomo, Budi Supriatono Putri, Cantik Ustika Putri, Icha Septiani Putri, Tutut Mutiara Rafifah, Najla Rahmawati, Resty Raid Fakhri Muhtaram Ramdhani Pujiyanto Restiana Dewi Rhenald Bayu Ardhi Arifin Rifa Naila Meiliani Manoppo Kenju Rihadatul’aisy , Risya Aulia Rika Aprilianti Rika Sahara Rimadyna k Ririn Wulandari Robiah Aladawiyah Rohyati, Rohyati Rokhmah, Farakh Putri Nur S, Masykur Arief Saeful Sidiq, Muhamad Salsabila Afiyah Permata U tami Salsabila, Aida Salsabila, Intan Tiara Ayu Septiani, Putri Amelia Setiawan, Bangkit Shafwan, Fatimah Ratu Siahaan, Alpiner Marhuson Sihombing, Chandra Alexander Silalahi, Julius Tulus Denis Simamora Desi Anna Sari Simangunsong, Jonatan Sintia Wardani.H Siswanto Siti Barkah Siti Kholipah Siti Rohana Siti Usmaliyah Soliha, Ira Suhendra Suhendra Suhendra Sunita Dasman Supiah Ratnasari Suwandi Suwandi Syazeedah, Haudli Nurfitrah Uskytia Tamsiya, Marina Anasta Tan, Emmelia Tara, Intani Nur Aidah Tarigan, Afifah Sanu Tita Naswa Ayu Bintoro Tri Damayanti Tri Damayanti, Tri Tutiek Indriani Utami, Laela Dwi Wahyudi, Rizky Dimas WIDIASTUTI - Widiastuti Widiastuti Windi Rahmawati Wini Nur Optaviani Zakiatul Hidayah, Zulfa Zulfa Zakiatul Hidayah