Article Per Year (5 Year)
p-Index From 2021 - 2026
11.101
P-Index
This Author published in this journals
All Journal Maksimum : Media Akuntansi Universitas Muhammadiyah Semarang Kinerja Kompak : Jurnal Ilmiah Komputerisasi Akuntansi JDM (Jurnal Dinamika Manajemen) Proceeding Seminar LPPM UMP Tahun 2014 JURNAL EKONOMI DAN BISNIS AIRLANGGA EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Benefit: Jurnal Manajemen dan Bisnis DERIVATIF Akuisisi : Jurnal Akuntansi Jurnal Manajemen dan Kewirausahaan (JMDK) Jurnal Pengabdian UntukMu NegeRI Jurnal Akuntansi dan Pajak Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Equilibrium: Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi JBMP (Jurnal Bisnis, Manajemen dan Perbankan) SAR (Soedirman Accounting Review): Journal of Accounting and Business Journal of Economic, Bussines and Accounting (COSTING) Muhammadiyah International Journal of Economics and Business SENTRALISASI Distribusi Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Jurnal Penelitian dan Pengabdian Kepada Masyarakat UNSIQ EQIEN - JURNAL EKONOMI DAN BISNIS Jurdimas (Jurnal Pengabdian Kepada Masyarakat) Royal Competitive Jurnal Akuntansi dan Keuangan Jurnal Administrasi dan Manajemen Jurnal Mantik Jurnal Proaksi Value: Jurnal Manajemen dan Akuntansi JENIUS (Jurnal Ilmiah Manajemen Sumber Daya Manusia) Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) International Journal of Economics, Business and Accounting Research (IJEBAR) Dinamika Journal : Pengabdian Masyarakat Dinasti International Journal of Education Management and Social Science Jurnal Ilmiah Edunomika (JIE) Jurnal ABDINUS : Jurnal Pengabdian Nusantara Community Development Journal: Jurnal Pengabdian Masyarakat JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Airlangga Journal of Innovation Management Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Jurnal Pengabdian Masyarakat Indonesia JURNAL ILMIAH GLOBAL EDUCATION Proceedings Series on Physical & Formal Sciences Jurnal Iqtisaduna International Journal of Management Science and Information Technology (IJMSIT) Jurnal Ekonomi dan Bisnis Digital (MINISTAL) Indonesian Journal of Business Analytics (IJBA) Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Media Ekonomi Master: Jurnal Manajemen dan Bisnis Terapan Asian Journal of Management Analytics Prosiding University Research Colloquium Jurnal Akuntansi Trisakti Prosiding Seminar Nasional Hasil-hasil Penelitian dan Pengabdian Pada Masyarakat Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Paradoks : Jurnal Ilmu Ekonomi IIJSE Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Pengabdian Kepada Masyarakat Kalam Journal of Ekonomics, Finance, and Management Studies JURNAL MANAJEMEN DAN BISNIS INDONESIA Jurnal Analisis Bisnis Ekonomi E-Jurnal Akuntansi
Wida Purwidianti
Universitas Muhammadiyah Purwokerto
Religion Agriculture, Biological Sciences & Forestry Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Mechanical Engineering Medicine & Pharmacology Public Health Social Sciences Other

Published : 104 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 104 Documents
Search

 6   7   8   9   10 
Financial Strategies to Increase the Profitability of Women-Owned MSMEs: Focus on Liquidity, Solvency, Asset Turnover, and Business Capital from a Behavioral Perspective Wahid, Dimas Lanang Rizky; Tubastuvi, Naelati; Purwidianti, Wida; Utami, Restu Frida
Jurnal Ilmiah Global Education Vol. 6 No. 4 (2025): JURNAL ILMIAH GLOBAL EDUCATION
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v6i4.4359

Abstract

Currently, MSMEs are mostly managed by women. The purpose of this study is to analyze the financial performance of women in MSMEs in Purwokerto. This study uses primary data. Data collection was carried out by distributing questionnaires to female MSME owners in Purwokerto. The method applied as a sampling technique was the Convenience sampling method with a sample size of 150 respondents. Then, the respondent data was processed using SmartPLS software. The steps carried out in data processing were outer model testing, model feasibility testing, and hypothesis testing. The results of the study indicate that Liquidity, assets, and business capital have a positive and significant effect on the profitability of women's MSMEs. Solvency does not affect the profitability of women's MSMEs. The variables of liquidity, assets, and business capital have been shown to play a very important role in improving financial performance and stopping the business of women's MSMEs in Purwokerto.
Pemberdayaan Perempuan melalui Pelatihan Kewirausahaan Pembuatan Bros Pita Purwidianti, Wida; Hidayah, Arini
Prosiding University Research Colloquium Proceeding of The 8th University Research Colloquium 2018: Bidang Sosial Ekonomi dan Psikologi
Publisher : Konsorsium Lembaga Penelitian dan Pengabdian kepada Masyarakat Perguruan Tinggi Muhammadiyah 'Aisyiyah (PTMA) Koordinator Wilayah Jawa Tengah - DIY

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

Abstract

Pemberdayaan perempuan merupakan cara untuk menumbuhkan wirausaha-wirausaha baru dengan pengembangkan industri rumahan dalam sistem ekonom rumah tangga. Tujuan dari kegiatan ini adalah Memberikan pengetahuan tentang kewirausahaan dan memberikan pelatihan pembuatan bros pita. Khalayak sasarannya adalah ibu-ibu Ranting Aisyiyah Kelurahan Bancarkembar Purwokerto Utara yang berjumlah 26 orang.Kegiatan IbM dilaksanakan dengan metode penyuluhan dan pelatihan. Hasil yang diperoleh dalam kegiatan ini berupa produk bros pita, materi kewirausahaan dan pemasaran.
PENGARUH KUALITAS PRODUK, INOVASI PRODUK, CITRA MEREK DAN DIGITAL MARKETING TERHADAP KEPUTUSAN PEMBELIAN Ma’ruf, Nasir; Alfalisyado, Alfalisyado; Purwidianti, Wida; Randikaparsa, Irawan
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 8 No 2 (2024): Edisi Mei - Agustus 2024
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v8i2.4106

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh kualitas produk, inovasi produk, citra merek dan digital marketing terhadap keputusan pembelian pada konsumen mie Gaga di kota Cilacap. Penelitian ini menggunakan metode kuantitatif. Populasi dalam penelitian ini adalah konsumen mie Gaga di kota Cilacap dengan menggunakan rumus roscoe sehingga didapati jumlah responden sebesar 100. Data penelitian ini diperoleh dengan penyebaran kuisioner dengan teknik purposive sampling. Olah data penelitian ini menggunakan SPSS 26. Hasil penelitian ini menunjukkan kualitas produk, citra merek, digital marketing berpengaruh positif dan signifikan terhadap keputusan pembelian. Sedangkan inovasi produk tidak berpengaruh terhadap keputusan pembelian. Adjusted R2 dalam penelitian ini sebesar 0,438%, hal ini menunjukkan terdapat 56% variabel di luar penelitian ini yang mempengaruhi keputusan pembelian Mie Gaga. Penelitian ini diharapkan dapat menyumbangkan kontribusi akademis dalam bidang yang diteliti agar bisa menjadi referensi peneliti lain untuk melanjutkan atau mengembangkan penelitian yang sama dibidang manajemen pemasaran.
Pengaruh Gaya Kepemimmpinan Transformasional, Kerja Sama tim dan Work Life Balance Terhadap Kinerja Karyawan Muhammad Faqih Rachman, Faqih; Yusnar Kharismasyah, Alfato; Widhiandono, Hengky; Purwidianti, Wida
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 12 (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.v5i12.4578

Abstract

ABSTRACT. This study aims to analyze the influence of transformational leadership style, teamwork, and work-life balance on employee performance at PT. BPR BKK Purwokerto. The study population consists of 209 employees, and a saturated sampling technique was used, resulting in 109 respondents who participated. The data analysis method employed is Structural Equation Modeling (SEM) with Smart PLS version 4.0. The tests conducted include the Outer Model test; convergent validity, discriminant validity, and reliability tests. The Inner Model test includes hypothesis testing, r-square (R2), and goodness of fit. The Outer Model test is used to assess the validity and reliability of the research instruments. The Inner Model test is used to examine the relationships between the research constructs. Hypothesis testing is used to determine the significance of the influence of independent variables on the dependent variable. The results of the study show that work-life balance has a positive and significant effect on employee performance. Meanwhile, transformational leadership style and teamwork have a positive but not significant effect on employee performance. These findings are expected to provide insights for the management of PT. BPR BKK Purwokerto in improving employee performance through the development of appropriate policies. ABSTRAK. Penelitian ini bertujuan untuk menganalisis pengaruh gaya kepemimpinan transformasional, kerjasama tim, dan keseimbangan kehidupan kerja (work-life balance) terhadap kinerja karyawan di PT. BPR BKK Purwokerto. Populasi penelitian ini terdiri dari 209 karyawan, dan menggunakan teknik sampel jenuh, sehingga tidak seluruh populasi dijadikan sampel, dan diperoleh 109 responden yang berpartisipasi. Metode analisis data yang digunakan yaitu Structural Equation Modeling (SEM) dengan alat Smart PLS versi 4.0. Pengujian yang dilakukan meliputi uji Outer Model; confergent validity, discriminant validity, uji reliabilitas. Inner Model; uji hipotesis. r-square r2, goodness of fit. Uji outer model digunakan untuk menilai validitas dan reliabilitas instrumen penelitian. Uji inner model digunakan untuk menguji hubungan antara konstruk penelitian. Uji hipotesis digunakan untuk menentukan signifikansi pengaruh variabel independen terhadap variabel dependen. Hasil penelitian menunjukkan bahwa Work life balance memiliki pengaruh positif dan signifikan terhadap kinerja karyawan. Sementara itu gaya kepemimpinan transformasional dan kerjasama tim secara parsial memiliki dampak positif namun tidak signifikan terhadap kinerja karyawan. Temuan ini diharapkan dapat memberikan wawasan bagi manajemen PT. BPR BKK Purwokerto dalam meningkatkan kinerja karyawan melalui pengembangan kebijakan yang tepat.
Understanding the Factors Influencing User Adoption of Fintech Lending Nurjannah, Afifah Zahroh; Tubastuvi, Naelati; Purwidianti, Wida; Zamakhsyari, Luthfi
Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Vol. 2 No. 2 (2023): November 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jambak.v2i2.7649

Abstract

This research aims to analyze the factors that influence interest to use fintech lending among millennial communities in Central Java. This research uses the TAM (Technology Acceptance Model) theory, with independent variables namely Perceived Ease of Use, Perceived Usefulness, Relative Advantage, Perceived Risk, and Perceived Cost, the mediating variable is User Attitude and the dependent variable is Interest to Use Fintech Lending. This research is quantitative research using a purposive sampling method. The research results show that perceived usefulness and perceived risk have a positive and significant effect on user attitudes, while perceived ease of use, relative advantage, and perceived cost have no effect on user attitudes, perceived risk, and perceived cost have an effect on interest to use.
Internal and External Factors that Influence Non-Performing Financing in Sharia Commercial Banks Anindita, Kurniasih Setya; Tubastuvi, Naelati; Purwidianti, Wida; Kharismasyah, Alfato Yusnar
Jurnal Manajemen Bisnis, Akuntansi dan Keuangan Vol. 3 No. 1 (2024): May 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jambak.v3i1.7857

Abstract

Problematic financing is reflected in Non-Performing Financing (NPF) because NPF is a parameter that can determine whether there is risky financing in Islamic banking. This research aims to determine the impact of Capital Adequacy Ratio (CAR), Operating Expenses and Operating Income (BOPO), inflation, and Bank Indonesia (BI) rates on Non-Performing Financing (NPF) in Sharia Commercial Banks in Indonesia. The data in this research uses secondary data. The population used is Sharia Commercial Banks registered with the Financial Services Authority (FSA) in 2018-2022. The sample used is the published report for the 2018-2022 quarter I-IV period. The research results show that BOPO has a positive and significant impact on NPF. Meanwhile, CAR, inflation, and BI rates have no significant impact on NPF.
Enhancing MSME: Exploring the Relationship between Financial Literacy, Financial Inclusion, and Capital Access to Improve Performance Tubastuvi, Naelati; Nur Ainun, Rania; Purwidianti, Wida; Zamakhsyari, Luthfi
Airlangga Journal of Innovation Management Vol. 5 No. 1 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i1.53990

Abstract

The growth of micro, small, and medium-sized enterprises (MSMEs) is critical to Indonesia's present economic development. This study has the purpose of examining how financial literacy, financial inclusion, and access to capital affect the performance of MSMEs in the Banyumas area. The performance of MSMEs is the dependent variable in this study, and the independent factors are financial literacy, financial inclusion, and access to finance. This study used partial Least Squares (PLS) to handle data in this work. Purposive sampling procedures were employed to select 127 MSMEs from a total of 8,559 MSMEs in the Banyumas Regency as research participants. The study's main findings of the relationship between the three variables of financial literacy, financial inclusion, and access to capital on MSME performance show that these three variables significantly influence MSME performance, both partially and simultaneously. As a result, MSMEs with a high degree of financial competence, simple access to finance, and suitable access to capital would improve MSMEs' performance in an area, resulting in the growth of the enterprises they manage. This research found that the financial literacy level of Banyumas MSMEs is quite high, available financial inclusion is easily accessible and sufficient access to capital can help MSMEs to improve their performance so that they can increase the development of the businesses they run.
Gen Z Investment Decision: Role of Financial Literacy, Financial Behaviour, Financial Experience and Risk Tolerance Tubastuvi, Naelati; Azaria, Muhammad Javier Fausta; Purwidianti, Wida; Aryoko, Yudhistira Pradhipta
Airlangga Journal of Innovation Management Vol. 5 No. 4 (2024): Airlangga Journal of Innovation Management
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/ajim.v5i4.61315

Abstract

This research aims to investigate the determinants influencing investment decisions among Generation Z in Banyumas Regency, Indonesia. This research focuses on the population of Generation Z individuals aged 18-27 years, with a sample size of 120 respondents selected through purposive sampling using the 10-times rule method. Data collection was conducted using a structured questionnaire based on a Likert scale to assess various factors, including financial literacy, financial behaviour, financial experience, and risk tolerance. The analysis employed Partial Least Squares Structural Equation Modeling (PLS-SEM) using Smart PLS software, which facilitated the evaluation of both the outer and inner models to test validity, reliability, and hypothesis testing. The results show that financial literacy, financial behaviour and risk tolerance positively and significantly influence investment decisions among Generation Z respondents. These findings suggest that increasing financial literacy, improving financial behaviour and having good risk tolerance can lead to more informed investment decisions among this demographic. Meanwhile, financial experience does not affect investment decisions, indicating that Generation Z investors do not consider their financial experience in their investment decisions. The implications of this research highlight the importance of targeted financial education programs aimed at Generation Z to improve their investment decision-making capabilities. By fostering a better understanding of financial concepts and encouraging responsible financial behaviours, stakeholders can contribute to the development of a more financially literate and proactive generation of investors
Financial and Digital Literacy as Moderators in Improving MSME Performance through Financial Management and Digital Marketing in Banyumas Elora Fitri SolihFahmi, Tsabitah; Purwidianti, Wida
Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and Banking) Vol. 11 No. 2 (2025): Jurnal Ekonomi, Manajemen dan Perbankan (Journal of Economics, Management and
Publisher : STIE Indonesia Banking School

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35384/jemp.v11i2.779

Abstract

MSMEs play an important role in the Indonesian economy, including in Banyumas Regency, which has more than 89.000 business units. However, the low level of digitalization is still a significant obstacle to improving MSME performance. This study aims to analyze the effect of financial management and digital marketing on MSME performance and examine the role of financial literacy and digital literacy as moderating variables. The method used is quantitative, with a survey approach involving 100 MSME owners selected through the Slovin formula. Data analysis was carried out using the PLS-SEM technique. The results of the study showed that financial management and digital literacy had a significant effect on MSME performance. In contrast, digital marketing and financial literacy did not show a significant effect. In addition, financial literacy and digital literacy did not function significantly as moderating variables. These findings indicate that the importance of literacy has not been fully balanced by the ability of MSME owners to apply it in practice. Therefore, this study provides a practical contribution in the form of recommendations for more applicable and sustainable literacy training and a theoretical contribution to of further research that considers other factors that can affect MSME performance.
The Effect of Financial Literacy and Financial Experience on SME Financial Behavior in Indonesia Purwidianti, Wida; Tubastuvi, Naelati
JDM (Jurnal Dinamika Manajemen) Vol 10, No 1 (2019): March 2019
Publisher : Department of Management, Faculty of Economics and Business, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v10i1.16937

Abstract

The aim of this study is to examine the effect of financial literacy and financial experience on SMEs financial behavior in Indonesia.The dependent variable is financial behavior while independent variables are financial literacy and financial experience. There are four control variables used, namely company size, business length, age and education level of SME owner. The respondent sample is 42 owners of SMEs in Purwokerto Selatan. This study used multiple regression analysis. The results showed that financial literacy has no effect on financial behavior. Financial experience has a positive effect on financial behavior. While among four control variables, only company size has a significant negative effect on financial behavior. Three control variables have no significant effect on financial behavior. The implication of this study, SME owners have good financial experience will increase financial behavior. Therefore, it is very important to improve the financial experience of SME owners
Co-Authors Aditya, Yogga Aeni, Nurul Nur Ainun Nizmah, Kemala Akbar, Mochammad Akhmad Darmawan Akhmad Darmawan Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado Alfalisyado, Alfalisyado Alfato Yusnar Kharismasyah Amira, Putri Nur Ani Kusbandiyah Anindita, Kurniasih Setya Annisa Ilma Hartikasari Arini Hidayah, Arini Aryoko, Yudhistira Pradhipta Asy-Syifa, Muhammad Rasyid Awalia, Melani Azaria, Muhammad Javier Fausta Azzahara, Cantik Tiara Maharani Bagis, Fatmah Bima Cinintya Pratama Budi Santoso, Suryo Cahyaningsih, Irshania Ayu Damayanti, Dika Dania Febriana Dian Papulasih Dwi Vina Rahmawati Eko Hariyanto Elora Fitri Solihfahmi, Tsabitah Ernawati, Yuniar Erny Rachmawati Fahitaratih, Syafira Maistin Farid Muhammad Rofifudin Fatmah Bagis Fauzan Putra, Evan Febiani, Syarila Asri Febriana Hidayanti Febriansyah, Wivan Febrianti, Fika Febrilianty, Arfannisa Firlian Fikri Egyansyah Fitir Riasi, Fatikhah Fitriati, Azmi Florida Mandiriani Suwaji Frida Utami, Restu Handayani, Erna Haq, Irdhiana Ilma Haryanto, Totok Hengky Widhiandono, M.Si. S.E. Hermin Endratno Herni Justiana Astuti Ika Yustina Rahmawati Ika Yustina Rahmawati Ines Putri Adna Zein Istiqomah, Razita Izza Iwan Fakhruddin Kharismasyah, Alfato Yusnar Kusuma Dewi, Yonanda Roro Kuswara, Arif Rahman Lahan Adi Purwanto Lahan Adi Purwanto Lestiana, Eli Luthfi Zamakhsyari Maharani, Annisa Dwi Maulida Nurul Innayah Maulidina, Azizah Ma’ruf, Anwar Ma’ruf, Nasir Melliana, Sinta Bella Miftahuddin, Muchammad Agung Miftahudin, Muchamad Agung Mody Nurhidayati Mudjiyanti, Rina Muhammad Faqih Rachman, Faqih Muhammad Rasyid Asy-Syifa Mujirahayu, Tri Septin Mukromiin, Ramadhan Khoerul Naelati Tubastuvi Naelati Tubastuvi Nugroho, Bambang Haryo Nur Ainun, Rania Nur Hamam, Zaki Nurjannah, Afifah Zahroh Pamungkas, Ibnu Pandabandjal, Asmarani Petra, Dany Nofrizal Pragita, Amellia Pramesti, Shasa Pratamasari, Mega Aprillia Pujiati Utami Puput Purwanti Purnadi Purnadi Purnadi, Purnadi Purwita, Eka Yuli Rahmawati, Ika Yustina Randikaparsa, Irawan Refaldy Barry Saputra Restu Frida Utami Retno Dwiyanti Rimellaika, Ardya Riri Ariyanti Rolani, Mita Santhy Hawanti Sekar Laras Ati Selamat Eko Budi Santoso Setiyaningrum, Anggun Shelia Anjarani Silvia, Nadya Agnes Sinta Bella Melliana Sinta Dwi Febriyanti Slamet Budi Santoso Sofwatunnisa, Novi Sri Wahyuni Sri Wahyuni Sri Wahyuni Sri Wahyuni Sungkar, Hani Lutpiah Suryo Budi Santoso Susi Wardhani Suwartono Suwartono Suyoto Suyoto Syahreiza, Muhammad Syifaramadan, Choiruddin Totok Haryanto Tri Na'imah Tri Septin Muji Rahayu Tri Septin Muji Rahayu, Tri Septin Tri Septin Mujirahayu Trisyanti, Cindy Salawatan Tubagus Zuhdan Azis Tuti Juniarsih Wahid, Dimas Lanang Rizky Watemin, Watemin Wiasih, Dina Retno Widhidanono, Hengky Widyaningtyas, Dian Wulan Ndatika, Utyea Wulandari, Nur Apni Yudi Firmansyah, Difandika Yusnar Kharismasyah, Alfato Yusnar, Alfato Yustina Rahmawati, Ika Zaen, Mudrikah Zaharani, Lisa Cahya Zakaria, Yoga Zain Zamakhsyari, Luthfi Zein, Ines Putri Adna