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Muhammad Ramadhan
UIN Sumatera Utara
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Pengaruh self Efficacy Dan Strategi Pemasaran terhadap Peningkatan Kinerja Agen Asuransi Syariah PT. Asuransi Sinar Mas Kisaran Pada Masa Pandemi Covid-19 Tahun 2020/2021 Safitri, Dewi; Ramadhan, Muhammad
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 4 No. 6 (2023): 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.v4i6.299

Abstract

This study aims to determine whether self-efficacy and marketing strategy affect the performance of Islamic insurance agents PT. Sinarmas Kisaran partially and simultaneously. This type of research is a quantitative descriptive with self-efficacy and marketing strategy as independent variables and agent performance as the dependent variable. The sampling technique is a saturated sample, all agents are used as a sample totaling 48 people. The data used is primary data with a questionnaire. Data analysis techniques are Validity Test and Reliability Test, Classical Assumption Test (Normality Test, Heteroscedasticity Test, Multicollinearity Test), Multiple Linear Test and Hypothesis Test (t test, F test, R2 test. Based on the statistical test results it can be concluded that partially Self Efficacy has an effect but not significant on the performance of the insurance agent PT Sinarmas Kisaran with a t-count value of 0.493 <t table (1.6772) and a significance of 0.624 > 0.05. Partially the Marketing Strategy has an effect on the performance of the insurance agent PT. Sinarmas Kisaran with a magnitude tcount value of 6.728> t table (1, 6772) and significance at 0.000 <0.05 Simultaneously Self Efficacy and Marketing Strategy affect the performance of insurance agents PT Sinarmas Kisaran with fcount value 44.760 > F table 2.81 or a significant value produced 0.000 <level of significant 0.05. R Square value of 0.665 this means that the influence of Self Efficacy (X1) and Government Strategy the target (X2) simultaneously affects performance (Y) is 66.50%. Keywords : Self Efficacy, Marketing Strategy, Agent Performance
Pengaruh Pelatihan Kerja dan Kompensasi terhadap Kinerja Agen Asuransi yang Tidak Memenuhi Target pada AJB BumiPutera 1912 Medan Cici Hamidah; Ramadhan, Muhammad; Aslami, Nuri
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 3 (2024): 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.v5i3.703

Abstract

This study aims to analyze the effect of job training and compensation on the performance of agents who do not meet target sat AJB BumiPutera 1912 Medan. This study aims to determine the effect of job training and compensation partially or simultaneously on the performance of agents who do not meet the target at AJB BumiPutera 1912 Mmedan. The method used in this research uses quantitative methods by taking 60 respondents from selected insurance agents as research samples through probability sampling tecniques with calculations using the slovin questionnaire formula using SPSS Version 25 testing and using linear data using multiple linear regression analysis methods. The results of this study simultaneuosly from job training variables (X1) and compensation (X2) have a positive and significant effect on the performance of insurance agents who do not meet the target and partially job training variables (X1) and job training (X2) also have a positive and significant effect on performance insurance agents who do not meet the target at AJB BumiPutera 1912 Medan. Keywords: compensation, insurance agents, job training,
Dari Ritual “Yasin 41” ke Marketing Politik pada Pemilukada: Studi Kasus Majelis Zikir Thuthma’ilnalqulub (MZT) Hidayat, Ziaulhaq; Ramadhan, Muhammad
Jurnal Review Politik Vol. 7 No. 1 (2017): June
Publisher : Fakultas Ushuluddin dan Filsafat UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (483.599 KB) | DOI: 10.15642/jrp.2017.7.1.99-125

Abstract

This article describes the involvement of Majelis Zikir Tathma’innulqulub (MZT) in the local leaders election. Although this particular case occurred in the Medan city, it’s also explain in general the majlis dhikr phenomenon in Indonesia’s political practice. This phenomenon is interesting since the involvement of majlis dhikr is uncommon in the political world—as commonly known, sufism possess different (spiritual) orientation. The involvement can be best described as a political brand of sufism: in ritual and practice in supporting one of the local candidate. Thus, it describes the ritual of “yasinan and dhikr” from the beginning of election until the end as a “political ritual”. In addition, MZT also serves as a political marketing—spiritual adviser as well as political consultant; while in the practical aspect, MZT involved in hidden and public campaign. However, the candidate supported by MZT was lost. This fact explains that political brand of sufism has no significant influence in politics practice.
Micro Waqf Bank Innovation Models in Aceh Harianto, Syawal; Ramadhan, Muhammad; Soemitra, Andri
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.19718

Abstract

This study investigates the challenges and opportunities associated with utilizing cash waqf to support economic development in Aceh, Indonesia, employing the innovative Micro Waqf Bank model. Data was collected through in-depth interviews with seven Waqf management experts in Aceh, selected using purposive sampling. Leveraging the Analytical Network Process (ANP), the study identifies key problems in the development of cash waqf practices, including economic challenges such as capital sourcing, financing repayment delays, and monitoring-mentoring costs. From a social perspective, the study emphasizes the importance of synergy among institutions, public awareness, and effective socialization. Institutional issues include human resource professionalism, regulatory suitability, Micro Waqf Bank limitations, and the need for digitalization. Legal and governance aspects focus on regulations supporting capital financing for small enterprises and efficient managerial management. The study proposes an inclusive, adaptive, participatory, and integrated Micro Waqf Bank Innovation Model to optimize cash waqf utilization and support real sector economic growth. Suggestions for improvement involve technological infrastructure, human resource training, regulatory adjustments, capital management, monitoring systems, strategic partnerships, socialization, coordination, product diversification, and community participation, providing a comprehensive model for the development of Micro Waqf Banks in Aceh.==============================================================================================================ABSTRAK – Model Inovasi Bank Wakaf Mikro di Aceh. Penelitian ini mengkaji tantangan dan peluang pengembangan praktik wakaf tunai untuk mendukung pembangunan ekonomi di Aceh melalui model inovasi Bank Wakaf Mikro di Aceh. Data penelitian dikumpulkan melalui wawancara mendalam dengan tujuh pakar bidang manajemen wakaf di Aceh, yang dipilih dengan metode sampling purposif. Hasil analisis aplikasi Analytical Network Process (ANP), penelitian ini mengidentifikasi sejumlah persoalan kunci dalam pengembangan wakaf tunai, seperti tantangan ekonomi terkait sumber modal, keterlambatan pembayaran pembiayaan, dan biaya pemantauan/ mentoring. Secara sosial, kajian ini menggarisbawahi pentingnya sinergi antar lembaga, kesadaran masyarakat, dan sosialisasi. Aspek institusional melibatkan isu-isu seperti profesionalisme sumber daya manusia, regulasi yang sesuai, keterbatasan Bank Wakaf Mikro, dan digitalisasi. Aspek hukum dan tata kelola berfokus pada regulasi yang mendukung, pembiayaan modal untuk usaha mikro dan ultra-mikro, dan manajemen manajerial. Solusi telah diidentifikasi untuk setiap aspek, mencapai proposal model Inovasi Micro Waqf Bank yang inklusif, adaptif, partisipatif, dan terintegrasi untuk mengoptimalkan pemanfaatan waqf tunai dan mendukung pertumbuhan ekonomi sektor riil. Saran untuk perbaikan melibatkan infrastruktur teknologi, pelatihan sumber daya manusia, penyesuaian regulasi, manajemen modal, sistem pemantauan, kemitraan strategis, sosialisasi, koordinasi, diversifikasi produk, dan partisipasi masyarakat, sehingga memberikan model komprehensif untuk pengembangan Bank Wakaf mikro di Aceh.
Konversi Media Pembelajaran Rasulullah di Era Society 5.0 Anida; Al Khalidi, Ahmed; Ramadhan, Muhammad
Lentera : Jurnal Ilmiah Sains, Teknologi, Ekonomi, Sosial, dan Budaya Vol. 7 No. 4 (2023): LENTERA, DESEMBER 2023
Publisher : LPPM Universitas Almuslim

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Abstract

Media pembelajaran adalah alat bantu atau sarana yang dijadikan sebagai perantara komunikasi untuk menyampaikan materi. Media pembelajaran telah ada sejak masa Rasulullah Saw. Penelitian mengakaji terkait media masa Rasulullah yang dikonversikan di masa sekarang. Penelitian ini merupakan kajian kepustkaan (library risearch) mengkaji ayat, hadits dan literatur Islam yang terkait. Hasil penelitian menunjukkan bahwa berupa media keteladanan dari prilaku Rasulullah sendiri, tangan, lidah, jari-jari, langit dan bumi serta gunung, matahari dan bulan, gambar dan lain-lain, sehingga para sahabat hafal Al-Qur’an, faham dan menguasai kandungannya serta menerapkannya dalam kehidupan sehari-hari. Di era society saat ini media telah berkembang seiring dengan perkembangan teknologi informasi dimana sudah tidak ada jarak, telah mendunia yang harus pula diikuti oleh semua pendidik untuk mengakses teknologi modern tersebut dalam proses penggunaan media pembelajaran, termasuk pendidikan agama. Jika dikonversikan media pendidikan pada masa Rasulullah meskipun sudah 14 abad yang lalu masih dapat dilaksanakan oleh guru sampai sekarang dengan cara dikolaborasikan dengan perkembangan media pendidikan kontemporer, antara lain berupa grafik, bagan, tulisan, poster, peta, globe, ada juga yang diproyeksikan: video, audio, film, power point dan lain-lain yang berisi materi dan nuansa keislaman. Media pendidikan sangat penting dilaksanakan dalam proses pembelajaran pendidikan Agama Islam untuk memudahkan memahamkan materi pendidikan pada peserta didik dalam rangka mencapai tujuan pendidikan Islam, yaitu “manusia sempurna”.
PEMBUATAN GUIDANCE BOOK TENTANG ALUR KEGIATAN MAGANG DI KEMENTERIAN DESA, PEMBANGUNAN DAERAH TERTINGGAL DAN TRANSMIGRASI Susanti, Risa; Hedian, Haniifa; Syuja, Dhia Nadhira; Ramadhan, Muhammad
Jurnal Serina Abdimas Vol 1 No 2 (2023): Jurnal Serina Abdimas
Publisher : Lembaga Penelitian dan Pengabdian Kepada Masyarakat Universitas Tarumanagara

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Abstract

ABSTRACT Internship or work practice is a form of learning activity that provides insight and practical experience to students regarding real activities in the world of work. Because of the importance of internships for students and also the limited time given in carrying out internships or work practices. In order for internships to achieve their goals, it is important to provide guidance during internships so that internships can take place effectively. To ensure that the internship activities carried out by students run well, a guidebook is needed as a reference for students during the internship activity. The Ministry of Villages is one of the government agencies that does not yet have a guidebook on internship activities for interns. So that internship activities at the Ministry of Villages, Development of Disadvantaged Regions and Transmigration are less effective due to unclear information about internship activities. Seeing this, we as the PKM implementation team want to help and provide solutions for the relevant agencies. The intervention provided by the PKM implementation team was to make a guide book (guidance book) regarding the flow of internship activities at the Ministry of Villages to ensure that internship activities run well and regularly. The preparation of this guidebook was made by interviewing the ministry as well as theoretical studies or by gathering the resources needed in compiling the guidebook. ABSTRAK Magang atau praktik kerja adalah suatu bentuk kegiatan pembelajaran yang memberikan wawasan dan pengalaman praktis kepada mahasiswa mengenai kegiataan riil di dunia kerja. Karena pentingnya kegiatan magang untuk mahasiswa dan juga adanya keterbatasan waktu yang diberikan dalam melaksanakan kegiatan magang atau praktik kerja. Agar kegiatan magang dapat mencapai tujuan, pentingnya bimbingan selama menjalankan kegiatan magang sehingga kegiatan magang dapat berlangsung dengan secara efektif. Untuk memastikan kegiatan magang yang dilaksanakan oleh mahasiswa berjalan dengan baik, diperlukan buku panduan sebagai acuan untuk mahasiswa selama kegiatan magang berlangsung. Kementerian Desa adalah salah satu instansi pemerintahan yang belum memiliki buku panduan mengenai kegiatan magang untuk mahasiswa magang. Sehingga kegiatan magang di Kementerian Desa, Pembangunan Daerah Tertinggal dan Transmigrasi kurang efektif akibat informasi mengenai kegiatan magang yang kurang jelas. Melihat adanya hal ini, kami selaku tim pelaksana PKM ingin membantu dan memberikan solusi untuk instansi terkait. Intervensi yang diberikan oleh tim pelaksana PKM adalah membuat buku panduan (guidance book) mengenai alur kegiatan magang di Kementerian Desa untuk memastikan kegiatan magang berjalan dengan baik dan teratur. Pembuatan buku panduan ini dibuat dengan wawancara dengan pihak kementerian serta kajian teori atau dengan mengumpulkan sumber yang dibutuhkan dalam menyusun buku panduan.
Pengaruh Penyederhanaan Struktur Organisasi Terhadap Efektifitas Sistem Kerja pada Sekretariat Daerah Kabupaten Tanah Laut Ramadhan, Muhammad
J-CEKI : Jurnal Cendekia Ilmiah Vol. 5 No. 1: Desember 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v5i1.11428

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh penyederhanaan struktur organisasi terhadap efektivitas sistem kerja. Hasil penelitian menunjukkan bahwa penyederhanaan struktur organisasi memberikan pengaruh positif dan signifikan terhadap peningkatan efektivitas dan produktivitas kerja. Penyesuaian sistem kerja, penyetaraan jabatan, dan perubahan struktur organisasi secara keseluruhan turut berkontribusi dalam meningkatkan fleksibilitas, adaptabilitas, serta efektivitas sistem kerja di lingkungan organisasi. Berdasarkan temuan tersebut, disarankan agar penyederhanaan struktur organisasi, khususnya pada Sekretariat Daerah Kabupaten Tanah Laut, tetap dipertahankan. Selain itu, diperlukan penelitian lanjutan untuk mengidentifikasi faktor-faktor lain yang mempengaruhi efektivitas sistem kerja serta penerapan penyederhanaan struktur organisasi dalam konteks organisasi yang berbeda.
PERILAKU TERCELA BAGI PENUMPUK HARTA QS. AL-HUMAZAH DALAM PERSPEKTIF EKONOMI ISLAM Ramadhan, Muhammad; Abustan Nur
Ulul Albab: Journal Da`wah and Social Religiosity Vol. 3 No. 2 (2025): Ulul Albab: Journal Da`wah and Social Religiosity
Publisher : P3M STID Mustafa Ibrahim Al-Ishlahuddiny Kediri Lombok Barat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69943/t046r007

Abstract

Proper actions – whether political, religious, social, or economic – are viewed by the Qur’an as acts of worship or devotion to God. For this reason, the Qur’an places strong emphasis on moral values and psychological factors that shape a sound framework for human behaviour. Among these is the emphasis on the regulation and development of wealth, as governed by Islamic law (Shari’ah). The aim of this study is to explore more deeply the Qur’an’s criticism, specifically in Surah al-Humazah, of those who accumulate wealth, considering that in today’s reality, the act of accumulating wealth is often seen as normal and acceptable. This research employs a library research method, using relevant literature as references aligned with the theme. The findings of this study indicate that wealth accumulation is not considered prohibited in Islam  if the obligatory zakat (almsgiving) has been paid. In fulfilling this obligation, the wealth owner is taught not to focus solely on personal gain, but also to consider the conditions of others – particularly fellow human beings who may be in need of assistance. Thus, Islam encourages a sense of social responsibility and discourages selfish hoarding of wealth.
PERAN PENEGAKAN HUKUM DALAM MENINGKATKAN IKLIM INVESTASI DAN PERTUMBUHAN EKONOMI NASIONAL Ramadhan, Muhammad; Ariyanti, Dwi Oktafia; Sulistiyono, Adi
Lex Jurnalica Vol 22, No 3 (2025): LEX JURNALICA
Publisher : Lex Jurnalica

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47007/lj.v22i3.10279

Abstract

Abstrak               Pembangunan ekonomi nasional memerlukan iklim investasi yang kondusif, namun minat investor seringkali terhambat oleh lemahnya penegakan hukum yang menimbulkan ketidakpastian dan risiko usaha tinggi. Di Indonesia, tantangan ini diperburuk oleh tumpang tindih regulasi dan korupsi. Penelitian ini bertujuan untuk menganalisis peran penegakan hukum dalam menciptakan iklim investasi yang kondusif di Indonesia serta mengidentifikasi faktor-faktor yang menghambat efektivitasnya. Metode penelitian yang digunakan adalah yuridis normatif bersifat preskriptif, dengan pendekatan konseptual dan analitik. Hasil penelitian menunjukkan bahwa penegakan hukum adalah faktor sentral dan prasyarat mutlak untuk menciptakan kepastian investasi. Penegakan hukum yang baik, mencakup aspek publik (pemberantasan korupsi) dan privat (jaminan eksekusi sengketa), berfungsi mengurangi risiko dan biaya operasional bisnis. Efektivitas penegakan hukum ini terhambat oleh beberapa faktor, yaitu: tumpang tindih regulasi, korupsi dan lemahnya integritas aparat, rendahnya kompetensi aparat terhadap hukum ekonomi modern, serta lemahnya koordinasi antar lembaga. Disimpulkan bahwa penegakan hukum yang adil, transparan, dan konsisten bukan hanya instrumen keadilan, tetapi juga motor penggerak ekonomi yang menentukan kepercayaan investor dan daya saing nasional.Kata Kunci: Penegakan Hukum, Iklim Investasi, Pertumbuhan Ekonomi
Co-Authors A. Sadeli Abdillah, Kais Abdul Karim Abustan Nur Achmad Saeful Fasa Adi Sulistiyono Adliakbar, Adliakbar Adlina, Adlina Agustina, Elzha Ahmad Rosyadi Ahmad Taufik Aisyi, Marshalina Rahadatul Al Khalidi, Ahmed ALAINA, ANZIL Alrum, Armid Amalia, Mifta Amrullah Amrullah Andi Rosa Andri Soemitra Andrianto Andrianto Andrina, Raissa Puan Angelia Sebayang, Fransisca Anggraini, Nur Marliana ANIDA Anida Anida Anida Anida, Anida Anisa Mawaddah Nst Ansyari Siregar, Ahmad Ardilla, Septiya Arifin, Nur Alam Ariyani , Nita Ariyani, Nita Ariyanti , Dwi Oktafia Ariyanti, Dwi Oktafia Ariyanti, Dwi Oktafia Arlianur Mahyaningsih, Manda Azamsyah, Tajdid Khoirul Azhari Akmal Tarigan Barri, Muhammad Batubara, Maryam Buntaram, Buntaram Candra, Rifqi Dwi Chuzaimah Batubara Chuzaimah Batubara, Chuzaimah Cici Hamidah Damayanti, Duwi Agustina Darmadi DAYU, Wulan Devi Andani Dewi Safitri Dhana, Ilham Dharmawan, Robby Dhea Ayuni Rahmah Difa Intannia E. Mirwandhono Eddy Noviana Euis Salbiah Fahmiati Fahmiati Faisal Akbar Nasution Farhati, Muthia Zahra Febriyanti, Alvina Dwi Fida, Syafatul FIRDAUS, DENI Fitri, Mutia Fitriandita, Adinda Rahma Fitriyani, Agus Fuadi Fuadi fulviansyah, Muhammad Tsany Gatot Tri Pranoto Hamdi, Tasrif Hamidah, Cici Harahap, Ade Khadijatul Z Harahap, Andli Arya Harahap, Muhammad Ikhsan Harahap, Surtan Gusnaldi Haries, Muhammad Haris Al Amin Hasim, Sitronella Nurfitriani hasnudi Hedian, Haniifa Helmina Wati Henifa, Henifa Henry Arianto Hepni, Aswari Herni Justiana Astuti Hery Syahrial Hidayat, Ziaulhaq Hidayat, Ziaulhaq Hikmat, Muhammad Hikmatullah, Muhammad Rizky Hurriyaturrohman Hurriyaturrohman Husnah Nur Laela Ermaya I Putu Axl Akbar Kurniawan Ihyani Malik Ikhsani, Mastur Mujib Ikhwan Rizki, Muhammad Indupurnahayu Irmawati Irmawati Isfironi, Muhammad Iskandar, Syah Isnaini Harahap Iswan Izma, Hayatun Juliana Nasution Juliana Nasution Juliana, Wanda Julianti, Yenni Samri Kamilah, Kamilah Kaspia, Qinara Azra Puja Katerin Dewi Ed Kumala, Dinna Fitria Kusno Kusno La Ode Muhammad Zuhdi, Mulkiyan Lesmana, Jesse LINA, MAR Ma'arif, Syamsul Mahendra, Idha Mahindra, Muhammad Pradhiki MAHMUDI Mahmudi Mahmudi Mapindra, Muhammad Pradhika Marianti Meha Mariyani, Kristin Marliyah, Marliyah Martunisr Maulana, Mizan Midranisiah Mobit Mobit Mohamad Fadel Syahputra mohmad razali , Hasrul affendi bin Muchtar, Azmy Ali Muhamad Azrino Gustalika Muhammad Muhammad Alif Muhammad Fadhil Muhammad Ihsan MUHAMMAD NAUFAL HASANI Muhammad Setya Pratama Mulyana, Moch Munjiatun Munjiatun, Munjiatun Mursyidah, Nelly Muslim Muslim N. Ginting Nabil Shawab al-Mujaddid Nadilla Susanto, Devika Nafik Umurul Hadi Novalia Pertiwi Nur Fadilah, Ariska Nur, Mukhlish Muhammad Nurcahyo, Aji Pamungkas Tri Nurhakiki, Ahmad Nurhayati Nurhayati Nurhayati, Immas Nuri Aslami Nurusshofa, Zahra Nurwijayanti Otang Kurniaman Piliang, Tchinda Eliza Pinangkis, Anggrit Dewangkara Yudha Prasetiyo, Bagus Prijanisa, Almira Ayumi Pudjoprastyono, Hery Purwowiyoto, Sidhi Laksono Puspa Kania, Adinda Putra, Fajar Ariya Putri Aprilia Putri Carissa, Respati Putri, Apriska Mega Sutowo Qadri Fauzi Tanjung Rachman, Alief Radianto, Denny Oktavina Rahayu, Katherina Eda Rahmadhani, Layla Rahmah, Husni Rahmani, Nur Ahmadi Bi Rahmawati, Erny Raiyan, Raiyan Ramadani, Sendy Ramadhan, Ghalib Ramadhani, Dhiva Justicia Ramdani, Dimas Rangkuti, Bachtiar Ahmad Fani Razali, Hasrul Affendi Bin Mohmad Retnawati Siregar Rianto, Saga Ridha, Dian Annisa Nur Ridwan Arifin Riki Afriansyah Rina Amelia Ristawati, Ristawati Samri Julianti, Yenni saraswati, angeli Sardjono septiana, Muhammad Prayoga Setiawan, Reksa Setiawan, Rifai Ady Shinta Permatasari, Dewi Sholahudin, Farhan Sidhiq Andriyanto Sidiq Permono Nugroho Silaen, Ester Lantika Silviana, Mega Siregar, Zulfan Sutantri Sri Handayani Retna Wardani sri sudiarti Sucidha, Irma Sugianto Sugianto Suhailah, Suhailah Susanti, Risa Susanti, Yulanda Retno Syamsir Syamsir Syawal Harianto, Syawal Syihab, Faizah Syuja, Dhia Nadhira Titing Suharti Ulfa, Anis Utami, Tanti Ventani, Embun Wahyu Syarvina Wahyudin, Cecep Wiwik Handayani Yang Agita Rindri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yoga Pujiraharjo Yusril Firmansyah, Ziyan Zainal Zawir Simon, Zainal Zawir Zhafiraah, Nazma Riska Zulfikar