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All Journal El Dinar JAKPP : Jurnal Analisis Kebijakan & Pelayanan Publik Classroom Action Research Journal (CARJO) International Journal of Artificial Intelligence Research Jurnal EMT KITA Journal of Economic, Bussines and Accounting (COSTING) Conference on Innovation and Application of Science and Technology (CIASTECH) Jurnal Basicedu Riset: Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis MABIS: Manajemen dan Bisnis SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Ilmiah Edunomika (JIE) Amalee: Indonesian Journal of Community Research & Engagement Management Studies and Entrepreneurship Journal (MSEJ) JATI EMAS (Jurnal Aplikasi Teknik dan Pengabdian Masyarakat) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Darma Agung Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Riset: Jurnal Aplikasi Ekonomi Akuntansi dan Bisnis Tax Literacy and Leadership Agility: Indigenous Peoples Awareness in Paying Taxes SINTA Journal (Science, Technology, and Agricultural) Jurnal Pengabdian kepada Masyarakat JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Journal Of World Science Journal Of Human And Education (JAHE) Jurnal Dehasen Untuk Negeri Widyagama National Conference on Economics and Business (WNCEB) Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Jurnal Basicedu Jurnal Pengabdian Masyarakat Bhinneka Publicness: Journal of Public Administration Studies Journal of Artificial Intelligence and Digital Business Prosidia Widya Saintek The Eastasouth Management and Business West Science Interdisciplinary Studies West Science Interdisciplinary Studies Socius: Social Sciences Research Journal IIJSE COSMOS JER PENG: Jurnal Ekonomi dan Manajemen Jurnal Pengabdian Kepada Masyarakat Kalam Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab Jurnal Pengabdian dan Inovasi Masyarakat
Alfiana Alfiana
Fakultas Ekonomi, Universitas Widyagama Malang
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FAKTOR PENENTU UTAMA KINERJA PERBANKAN DI INDONESIA Sono, Mohammad Gifari; Harsono, Iwan; Akhyar, Chairil; Alfiana, Alfiana; Utami, Eva Yuniarti
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.12937

Abstract

Para deposan, investor, dan masyarakat pada umumnya membutuhkan indikator-indikator yang mudah diakses dan penting untuk membedakan berbagai bank. Penelitian ini membahas dua permasalahan penting secara bersamaan: menganalisis dan mengidentifikasi indikator-indikator keuangan utama bank yang tersedia untuk umum dan mana yang penting, serta memperkirakan bobot indikator-indikator tersebut di atas ketika perbandingan bank akan dibuat. Memanfaatkan database terbaru tahun 2022 dari 90 bank konvensional, penelitian ini menganalisis 17 rasio perbankan dengan menggunakan metode analisis komponen utama. Perhitungan menunjukkan bahwa lima komponen menjelaskan sekitar 75 persen dari total variasi data. Kelima komponen tersebut merupakan indikator profitabilitas, kualitas modal, kualitas pinjaman, aktivitas berbasis biaya, dan aset likuid dalam neraca. Lebih lanjut, dengan menggabungkan lima komponen utama, hasilnya menunjukkan bahwa bank kecil pun dapat mencapai kinerja keuangan yang baik Kata Kunci: Faktor Penetu, Kinerja Perbankan, Indonesia
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MASYARAKAT MENGGUNAKAN LAYANAN FINANCIAL TECHNOLOGY PEER TO PEER LENDING Dewi, A Ratna Sari; Utami, Eva Yuniarti; Setiawan, Heri; Alfiana, Alfiana; Hamid, Nurdjanah
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 2 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i2.13151

Abstract

Abstrak Tujuan dari penelitian ini adalah untuk melihat faktor-faktor yang mempengaruhi minat masyarakat dalam menggunakan layanan fintech peer to peer lending dengan menggunakan model Unified Theory of Acceptance and Use of Technology (UTAUT). Variabel eksogen dalam penelitian ini adalah Performance Expectancy, Effort Expectancy, Social Influence, dan Facilitating Condition. Pengumpulan data dilakukan dengan menyebarkan kuesioner menggunakan Google form. Teknik analisis data yang digunakan adalah SPSS. Hasil penelitian menunjukkan bahwa variabel Performance Expectancy mempunyai pengaruh positif terhadap minat masyarakat dalam menggunakan layanan peer to peer lending, sedangkan variabel Effort Expectancy, Social Influence, Facilitating Condition tidak mempunyai pengaruh positif terhadap minat masyarakat dalam menggunakan layanan Peer to Peer lending.. Kata Kunci: Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Condition
The Impact of Leverage and Liquidity on Firm Profitability Nurriqli, Arifia; Utiarahman, Nurnaningsih; Hendrawan, Henky; Durya, Ngurah Pandji Mertha Agung; Alfiana, Alfiana
Jurnal EMT KITA Vol 10 No 1 (2026): JANUARY 2026
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET) - Lembaga KITA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/emt.v10i1.5484

Abstract

This study aims to find empirical evidence of the influence of leverage (DER) and liquidity (CR) on profitability (ROA). In this research, researchers employed quantitative method using panel data regression. The study population consists of the companies listed on the Jakarta Islamic Index (JII 30) 2020-2024, and the purposive sampling technique is used to determine the sample size. A total of 105 samples from 21 companies were selected for this study. The data analysis techniques use EViews 12. Based on the study findings, profitability (ROA) significantly affected by debt to equity ratio (DER) and current ratio (CR). This study can serve as a guide for businesses looking to boost and enhance performance as well as for investors assessing company performance to gain investment certainty. The practical implication of these findings is the management stoct issuers could maintain the company good performance in order to increase investor trust in a sustainable manner.
Edukasi Literasi Keuangan Digital untuk UMKM dalam Menghadapi Era Cashless Society Alfiana, Alfiana; Saripujiana, Dian; Nurlia, Nurlia; Hasbi, Hariandy
Jurnal Pengabdian Masyarakat Bhinneka Vol. 4 No. 2 (2025): Bulan November
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v4i2.679

Abstract

Transformasi menuju cashless society menuntut pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) untuk beradaptasi dengan perkembangan teknologi keuangan digital. Rendahnya literasi keuangan digital sering menjadi hambatan utama dalam penerapan sistem pembayaran nontunai. Kegiatan Pengabdian kepada Masyarakat (PKM) ini bertujuan meningkatkan pemahaman dan keterampilan pelaku UMKM dalam menggunakan layanan keuangan digital seperti mobile banking, QRIS, dan e-wallet secara aman dan efisien. Metode pelaksanaan meliputi sosialisasi interaktif, pelatihan praktik langsung, dan pendampingan pascapelatihan. Hasil kegiatan menunjukkan peningkatan signifikan pada tingkat pengetahuan peserta mengenai pengelolaan transaksi digital, keamanan data, dan manfaat efisiensi sistem cashless. Selain itu, peserta mampu mengimplementasikan transaksi digital dalam aktivitas bisnis sehari-hari. Program ini diharapkan menjadi model edukasi berkelanjutan yang mendorong kemandirian finansial UMKM serta mempercepat inklusi ekonomi digital di masyarakat.
Pemberdayaan Ekonomi Kreatif Berbasis Manajemen Produksi dan Branding Digital Alfiana, Alfiana; Purnamasari, Eva; Suroso, Adi; Nawangwulan, Irma M; Anantadjaya, Samuel PD
Civic Action Jurnal Pengabdian dan Inovasi Masyarakat Vol. 1 No. 2 (2025): Artikel Pengabdian
Publisher : SORATEKNO PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59696/civicaction.v1i2.126

Abstract

Kegiatan pengabdian kepada masyarakat ini dilaksanakan dengan tujuan untuk meningkatkan kapasitas pelaku usaha ekonomi kreatif melalui penerapan manajemen produksi yang efisien dan strategi branding digital yang efektif. Sasaran kegiatan adalah kelompok pelaku UMKM di sektor kerajinan dan kuliner yang berada di wilayah Semarang, Dikecamatan Sekar Ayu. Permasalahan utama yang dihadapi mitra meliputi rendahnya pemahaman tentang pengelolaan produksi yang sistematis serta minimnya kemampuan dalam memanfaatkan media digital sebagai sarana pemasaran produk. Metode pelaksanaan kegiatan terdiri dari tahap observasi awal, pelatihan, pendampingan intensif, serta evaluasi dan monitoring pasca-kegiatan. Materi pelatihan difokuskan pada perencanaan produksi, efisiensi biaya, kontrol kualitas, serta pembuatan identitas merek (brand identity), pemanfaatan media sosial, dan strategi pemasaran digital. Hasil dari kegiatan ini menunjukkan peningkatan signifikan dalam kemampuan peserta dalam menyusun rencana produksi yang terukur serta menghasilkan konten promosi digital yang menarik dan relevan. Selain itu, peserta mulai aktif memanfaatkan platform digital seperti Instagram, WhatsApp Business, dan marketplace lokal untuk memasarkan produknya. Dengan pendekatan partisipatif dan berkelanjutan, kegiatan ini berkontribusi dalam memperkuat daya saing pelaku ekonomi kreatif lokal di era digital. Keberhasilan program ini diharapkan menjadi model bagi upaya pemberdayaan serupa di wilayah lainnya.
Sexual Violence and Gendered Policy Responses in an Indonesian Urban Governance: A Critical Feminist Perspective Alfiana, Alfiana
JAKPP (Jurnal Analisis Kebijakan & Pelayanan Publik) Volume 11 No. 3, November 2025
Publisher : Departemen Ilmu Administrasi FISIP UNHAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31947/jakpp.v11i3.47816

Abstract

This study provides a critical feminist analysis of how women’s roles in social production and reproduction, coupled with inadequate government policies, shape their vulnerability to sexual violence in Makassar City. Employing a qualitative descriptive methodology, the research draws on data from observations, in-depth interviews, and documents collected from a diverse range of sources including government bodies, women’s organizations, legal aid institutions, and labour unions. The participants encompassed white-collar and blue-collar women workers, housewives, and domestic workers. Through Nancy Fraser’s critical feminist framework, the study indicates that the capitalist system imposes a double burden on women, exploiting their labour in the workplace through wage discrimination and limited career progression while simultaneously relying on their unpaid, devalued domestic and care work within the household. The dynamic fosters economic dependence on husbands and subordination in decision-making, intensifying their vulnerability. The study further concludes that existing government policies are ineffective in safeguarding women’s basic rights, offering weak protections and social assistance. Consequently, this research offers a significant critique of the modern capitalist system’s exploitation of women across both productive and reproductive spheres. Its value lies in providing empirically grounded recommendations for formulating more responsive, progressive policies to protect female workers and housewives, and for reforming legal and institutional guidelines for handling sexual violence cases, thereby contributing to both academic discourse and practical policy reform.
The Impact of Fintech Peer-to-Peer Lending Investments on Public Financial Inclusion Alfiana, Alfiana; Mulatsih, Listiana Sri; Widyantini, Dian; Meutianingrum, Farah Juniati; Afrizal, Afrizal
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1638

Abstract

The purpose of this study is to determine the impact of peer-to-peer lending fintech investments on public financial inclusion. This research approach collected data through a literature review, which involved reading literature from various sources, including books, reports, articles, and journals, employing both qualitative and deductive methods. The findings of this study suggest that peer-to-peer lending fintech investments have a positive impact on financial inclusion, including increased economic activity, enhanced financial literacy, and expanded investment opportunities. However, this system still faces various challenges, including the risk of default, data security concerns, a lack of education, and immature regulations. To overcome these challenges and strengthen its positive impact, collaboration between the government and platform providers is necessary to enhance rules, financial education, and digital literacy, as well as develop sharia-compliant and socially responsible products, so that peer-to-peer lending can become an integral part of an inclusive and sustainable financial system.
The Relationship Between Human Capital and Digital Literacy on Financial Inclusion Nur, Muh.; Karim, Kurniati; Alfiana, Alfiana; Windreis, Christ; Renggaala, Nuniek Yuniarti Ningsih
Socius: Jurnal Penelitian Ilmu-Ilmu Sosial Vol 3, No 7 (2026): February 2026
Publisher : Penerbit Yayasan Daarul Huda Kruengmane

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.18642206

Abstract

Financial inclusion is a crucial element in promoting sustainable and equitable economic development. However, the level of financial inclusion still faces various challenges, particularly those related to the quality of human resources and the ability to adapt to digital technology developments. This study aims to analyze the relationship between human capital and digital literacy on financial inclusion. This study used a qualitative approach with a descriptive-exploratory design. Data were collected through in-depth interviews, observations, and documentation with productive-age individuals, micro and small business owners, and related parties involved in formal financial services. Data analysis was conducted using thematic analysis to identify patterns and meanings emerging from the experiences and perceptions of informants. The results show that human capital plays a significant role in shaping individuals' understanding, attitudes, and trust in formal financial services. Education level, skills, and experience contribute to an individual's ability to access and utilize financial services. Furthermore, digital literacy has proven to be a crucial factor in supporting the utilization of technology-based financial services, particularly in increasing access, security, and intensity of use of digital financial services. This study also found that human capital and digital literacy have a mutually reinforcing relationship in promoting financial inclusion. Individuals with high levels of human capital and digital literacy demonstrate higher and more sustainable levels of financial participation. These findings emphasize that increasing financial inclusion must be accompanied by strengthening the quality of human resources and digital literacy within the community.
Liquidity and Profitability Effects on Stock Prices Mediated by Trading Volume Activity Triwulandari, Ratna; Sodik, M.; Alfiana, Alfiana
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.6409

Abstract

This study examines the effects of liquidity and profitability on stock prices and examines whether Trading Volume Activity (TVA) mediates these relationships in technology-sector firms listed on the Indonesia Stock Exchange during the 2022–2024 post–tech winter period. The research adopts an explanatory quantitative approach using secondary panel data derived from published annual financial statements and official trading records. From a population of 47 firms included in the IDXTECHNO index, 24 companies were selected through purposive sampling, resulting in 72 firm-year observations. Data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM) with SmartPLS 4, and hypothesis testing was conducted through bootstrapping procedures. The findings indicate that liquidity, proxied by the Current Ratio, has a negative and significant effect on stock prices, while profitability, measured by Return on Assets, has a positive and significant influence. Liquidity does not significantly affect TVA, whereas profitability positively increases trading activity. Furthermore, TVA has a negative and significant effect on stock prices. Mediation testing shows that TVA does not mediate the relationships between liquidity, profitability, and stock prices. The structural model demonstrates limited explanatory power, suggesting that stock price variation is only partially explained by the proposed variables. Overall, the results imply that stock price formation in technology firms during the post–tech winter phase is driven primarily by direct fundamental performance, particularly profitability, rather than by trading activity mechanisms. These findings support Portfolio Theory and Signaling Theory under heightened market uncertainty.
Analisis Pengaruh Budaya Kerja dan Pelatihan Terhadap Kinerja Karyawan Yang Dimediasi Komunikasi (Studi Pada Karyawan PT Indomarco Adi Prima cabang Lawang, Malang) Wibisono, Cahyo; Hermawati, Adya; Alfiana, Alfiana
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 5 No. 1 (2026): Februari - April
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v5i1.7646

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh budaya kerja dan pelatihan terhadap kinerja karyawan dengan komunikasi sebagai variabel mediasi pada PT Indomarco Adi Prima Depo Lawang, Kabupaten Malang. Penelitian ini menggunakan pendekatan kuantitatif eksplanatori dengan teknik total sampling yang melibatkan 150 karyawan sebagai responden. Pengumpulan data dilakukan melalui kuesioner, wawancara, dan dokumentasi. Analisis data dilakukan menggunakan statistik deskriptif dengan bantuan SPSS serta analisis inferensial menggunakan metode Partial Least Square-Structural Equation Modeling (PLS-SEM) melalui software SmartPLS 4.0. Hasil penelitian menunjukkan bahwa budaya kerja dan pelatihan memiliki pengaruh positif dan signifikan terhadap kinerja karyawan. Selain itu, budaya kerja dan pelatihan juga terbukti berpengaruh positif dan signifikan terhadap komunikasi. Komunikasi sendiri memiliki pengaruh positif dan signifikan terhadap kinerja karyawan. Lebih lanjut, hasil analisis mediasi menunjukkan bahwa komunikasi mampu memediasi secara parsial pengaruh budaya kerja dan pelatihan terhadap kinerja karyawan.Temuan ini mengindikasikan bahwa peningkatan kinerja karyawan tidak hanya dipengaruhi secara langsung oleh budaya kerja dan pelatihan, tetapi juga melalui efektivitas komunikasi dalam organisasi. Oleh karena itu, perusahaan disarankan untuk memperkuat budaya kerja yang positif, meningkatkan kualitas program pelatihan, serta mengoptimalkan komunikasi internal guna mendukung peningkatan kinerja karyawan secara berkelanjutan. Penelitian ini memberikan kontribusi empiris dalam pengembangan manajemen sumber daya manusia, khususnya dalam konteks perusahaan distribusi di Indonesia.
Co-Authors Achmad Fathoni, Achmad Achmad Yusuf Budianto Adya Hermawati Afifah, Dian Annisah Afrizal Afrizal Agustina, Tria Raisya Akhmad Farid Akhyar, Chairil Al-Amin, Al-Amin Aldy Febryawan Aloysius Ray Julian Kusdiantoro Amin, Al- Amri, Andi Anantadjaya, Samuel PD Andiena Nindya Putri Aprih Santoso Ardenny, Ardenny Astutik, Wahyuni Sri Awaludin, Dipa Teruna Azizi, Muhammad Azzahroh, Ismunatul Bakri, Asri Ady BillY Dewantara Cakranegara, Pandu Adi Chatarina Umbul Wahyuni Choirul Anam AM Diponegoro Dede Hertina Dewi, A Ratna Sari Dharmayanthi Pri Handini Dharmayanti Pri Handini Dhea Landy Venida Zulfa Dian Widyantini Dimas Saifurrohman Donny Dharmawan Durya, Ngurah Pandji Mertha Agung edy susanto Eka, Andi Primafira Bumandava Elista, Amanda Emma Budi Sulistiarini Farah Juniati Meutianingrum Faturrahman, Muhammad Hikam Fitriningsih Amalo Gatot Soebiyakto Gatot Soebiyakto Gunarianto Gunarianto Gustian, Dede Hakim, Mohamad Zulman Hamida, Ika Fitria Nur Hamzah, A. Hadian Pratama Hanifah, Luluk Hanum, Filia Hardian, Salman Hariandy Hasbi Harsono, Iwan` Hasbi, Moh Ramdani Hendayani, Nenden Hendrawan, Henky Hermiyetti, Hermiyetti - Husen, Gayatri Nahdiyah Irdawati Irdawati Irfan Yulyansah Irwan Moridu Istigfari, Nafsa Qolbina Jemi Pabisangan Tahirs Jenny Nancy Kaligis Jiteng Andreas Judijanto, Loso Judijonto, Loso Kamil, Indriyati Kartika, Erawati Klemens Mere Klemens Mere Koerniawati, Dwi Kristiana, Ida Kurniati Karim Kusuma, Ema Laendatu Paembonan Lilis Dewi Ndaru Mulyo Arum Nirwana LISTIANA SRI MULATSIH Loso Judijanto Lumentah, Natalia Reyne Maria Desika Bulu Masan Martalia Arya Nurfadila Mas'ud, Muchlis H Masdiana Masdiana Mellien Pakerti Winengku Muchlis H Mas'ud Muchlis H. Mas'ud Muchlis Mas’ud Muhamad Stiadi Mulastih, Listiana Sri Muliza Muliza, Muliza Mulyono Mulyono Muzaffirah, Adzirah Naim, Sidrotun Nasharuddin Mas Nasharuddin Mas Nasharudin, Nasharudin Nawangwulan, Irma M Nelly Astuti Ningsih , Titiek Surya Nugroho, Anton Priyo NUR FADHILAH, ANIS Nur Laily Safitri Nur, Muh. Nurdjanah Hamid Nurhasanah Nurhasanah Nurida Finahari Nurlia Nurlia Nurliawan, Anggy Elfa Nurnaningsih Nurnaningsih Nurriqli, Arifia Nusair, Ahmad Ershaid Oki Akbar Mahendra Orie Rahma, Erythina PA Andiena Nindya Putri Perwito, Perwito Piartrini, Putu Saroyini Priyo Nugroho, Anton Purnamasari, Eva Rachmania, Dewi Rahma Wahdiniwaty Ramadhan Wahfianka, Ega Ramon Arthur Ferry Tumiwa Renggaala, Nuniek Yuniarti Ningsih Restu Widyo Sasongko Ristati, Ristati Rita Zulbetti Riyanti, Anti Riyanto, Ayu Putri Rizqi Aji Putri, Masykurotur Rufaida Sofiatus Wardani Rufi'i sabil sabil, sabil Safari, Apay Sagita Nurul Izza Samalua Waoma Samosir, Hendrik ES Saputra, Irwan Saripujiana, Dian Sesario, Revi Setyawan, Antonius Ary Siddiqa, Heidi Siswahyudianto Sodik, M. Sono, Mohammad Gifari Sri Mulatsih, Listiana Sugeng Karyadi Suhartini Salingkat SUJAI, MUHAMMAD Sumini Sumini, Sumini Suprapto Suprapto Suroso, Adi SURVIVAL - - Suwandi Ng Syamsuri Syamsuri T. Maulana, T. Taime, Habel Tasrim, Tasrim Toni Dwi Putra Tri Cicik Wijayanti Tri Yuniningsih Triwulandari, Ratna Upik Djaniar Usman, Said Utami, Eva Yuniarti Utami, Refi Oktafia Utiarahman, Nurnaningsih Wahju Wulandari Wartono Wartono Wibisono, Cahyo Windreis, Christ Yahya, Sitti Rachmawati Yatima El Isma, Yatima Yoga Pangestu, Dewo Nugroho Yohan Yohan Yulistina Yulistina Yundari, Yundari Yunus Sading Z, Nasrul Zakaria, Faiz Zuhroh, Siti Zulaecha, Hesty Erviani Zulfa, Maysaroh Chamida