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PENGARUH LABELISASI HALAL, GREEN PRODUCT, DAN BRAND IMAGE TERHADAP KEPUTUSAN PEMBELIAN PRODUK MIE INSTAN LEMONILO (Studi Kasus Mahasiswa UNISMA, UIN, dan UMM) Rokhmatullaeli Rokhmatullaeli; Maslichah Maslichah; Junaidi Junaidi
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 1 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

Tujuan dari penelitian ini untuk mengetahui dan menganalisis pengaruh labelisasi halal, greenproduct, dan brand image terhadap keputusan pembelian produk mie instan lemonilo bagi MahasiswaUNISMA, UIN ,dan UMM. Populasi pada penelitian ini adalah konsumen mie lemonilo yang jumlahnya tidakdiketahui secara pasti dan teknik sampel yang digunakan adalah purposive sampling dengan jumlah sampelsebanyak 100 responden. Metode analisis data menggunakan regresi linier berganda, koefisien determinasi danuji t. Nilai koefisien determinasi (R2) diperoleh sebesar 0,818 atau bila dipresentasikan, maka 81,1% variabellabelisasi halal, green product, dan brand image berpengaruh terhadap keputusan pembelian mie instanlemonilo dan 18,9% dipengaruhi oleh variabel lain yang tidak terdapat dalam penelitian ini. Uji t diperolehnilai sig. < 0,05 dengan hasil labelisasi halal (X1) memiliki nilai sig. 0,000 < 0,05 artinya memiliki pengaruhpositif terhadap keputusan pembelian, variabel green product (X2) memiliki nilai sig. 0,747> 0,05 artinya tidakberpengaruh terhadap keputusan pembelian dan variabel brand image (X3) memiliki nilai sig. 0,000 < 0,05artinya memiliki pengaruh positif terhadap keputusan pembelian mie instan lemonilo.
PENGARUH RELIGIUSITAS DAN PENGETAHUAN TERHADAP INTENSI KONSUMEN MUSLIM UNTUK MEMBELI PRODUK KOSMETIK HALAL DENGAN SIKAP SEBAGAI VARIABEL INTERVENING (Studi Kasus Mahasiswa Kota Malang) Sarrah Nikmatul Hidayah; Maslichah Maslichah; Junaidi Junaidi
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 1 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

This study aims to determine the effect of religiosity and knowledge on the attitudesand intentions of Muslim consumers to buy Halal cosmetic products. The type ofresearch used is research with a quantitative approach. Based on the results ofresearch conducted by research by distributing questionnaires to students of theIslamic banking study program 18 Malang Islamic University and students of theIslamic economic law study program 18 Islamic State University of Malang. Theresearcher got 207 respondents based on gender, study program, institution and howto find out halal and haram laws with the Maghrib concept. sampling of this researchusing Explanatory Research. The analytical tool used is Amos. The results of thestudy prove the first, that the religiosity variable (X1) has a positive and significantinfluence on the attitude variable (Y1). the second, the knowledge variable (X2) has apositive and significant effect on the Attitude variable (Y1). the third, the religiosityvariable (X1) has a positive and significant influence on the consumer intentionvariable (Y2). the fourth is that the knowledge variable (X2) has a positive effect onthe consumer intention variable (Y2) but the effect is not significant. and the fifthvariable attitude (Y1) has a positive and significant influence on the variableconsumer intentions (Y2).
ANALISIS PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP KEPUTUSAN MENGGUNAKAN PRODUK PERBANKAN SYARIAH (Studi pada Mahasiswa Program Studi Perbankan Syariah FEB UNISMA) Ahmad Basori; Maslichah Maslichah; M Cholid Mawardi
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 1 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

This study aims to determine the effect of Islamic financial literacy on decisions to use Islamic banking products in students of the Islamic Banking Study Program FEB UNISMA. The location of this research was carried out on students of the Islamic Banking Study Program FEB UNISMA. This research is a quantitative research. This research uses a case study method where data is obtained by distributing questionnaires to students of the Islamic Banking Study Program FEB UNISMA who were selected by purposive sampling. Determination of the number of samples using the Slovin formula and the results obtained were 100 respondents. Data were analyzed using simple regression analysis and determination test. Based on the results of data analysis, the results of the t-test indicate that Islamic financial literacy has a significant and positive effect on purchasing decisions and has an effect on decisions to use Islamic banking products for students of the Islamic Banking Study Program FEB UNISMA. Furthermore, the results of the t test show that Islamic financial literacy partially has a significant and positive effect on the decision to use Islamic banking products. The results of the determination test show that the percentage is 9.9%, where the decision to use the product can be influenced by Islamic financial literacy. Furthermore, in this study, the data collection method can be continued by paying attention to the willingness of respondents, follow-up to fill out, so that when given a questionnaire, they can immediately fill in the data properly.
ANALISIS KEPERCAYAAN MASYARAKAT KOTA MALANG TERHADAP LEMBAGA KEUANGAN SYARIAH Riski Amalia; Maslichah Maslichah; Junaidi Junaidi
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 1 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

Tujuan dari penelitian ini untuk mengetahuidan menganalisis kepercayaan masyarakat kota Malang terhadap Lembaga Keuangan Syariah. Populasi pada penelitian ini adalah masyarakat kota Malang yang jumlahnya tidak diketahui secara pasti dan teknik sampel yang digunakan adalah purposive sampling dengan jumlah sampel sebanyak 100 responden.Metode pengumpulan data menggunakan skala likert dan untuk metode analisis data menggunakan statistik deskriptif dimana dari hasil penelitian menjelaskan bahwa kriteria kepercayaan masyarakat dengan indikator Transaparansi memiliki minimum 2 dan maksimum 5, dengan rata-rata 3.97 serta standar devisiasinya sebesar 0,684. Kepercayaan masyarakat berdasarkan indikator Akuntabilitas memiliki minimum 2 dan maksimum 5, dengan rata-rata 3.97 serta standar devisiasinya sebesar 0,659. Kepercayaan masyarakat berdasarkan indikator Pertanggung jawaban memiliki minimum 2 dan maksimum 5, dengan rata-rata 4.05 serta standar devisiasinya sebesar 0,675. Kepercayaan masyarakat berdasarkan Independensi memiliki minimum 2 dan maksimum 5, dengan rata-rata 4.01 serta standar devisiasinya sebesar 0,730. Kepercayaan masyarakat berdasarkan Keadilan memiliki minimum 2 dan maksimum 5, dengan rata-rata 3.93 serta standar devisiasinya sebesar 0,710. Kepercayaan masyarakat berdasarkan Shariah Compliance memiliki minimum 2 dan maksimum 5, dengan rata-rata 4.05 serta standar devisiasinya sebesar 0,667. Diantara item pernyataan yang membentuk kepercayaan masyarakat kota Malang, terdapat dua item pernyataan dalam indikator Pertanggung-jawaban dan Shariah Compliance yang memiliki nilai dengan kategori tertinggi dengan nilai rata-rata yang sama yaitu 4.05.
STRATEGI DIGITAL MARKETING DALAM PENINGKATAN NASABAH DI BANK MUAMALAT SAAT PANDEMI COVID-19 (Studi Kasus Bank Muamalat Kota Malang Saat Pandemi Covid-19) Elia Nurmala; Maslichah Maslichah; M Cholid Mawardi
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 1 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

Marketing is an activity that must be carried out by every activity economics, especially in each financial institution. Because by being these marketing activities, the purpose of a company or organization. and institutions can be achieved. And it is undeniable that changes will The inevitable globalization of technology demands that every company, institutions and organizations to be more sensitive so as to encourage creativity and innovation of a person in the marketing process so as not to be left behind by the times. Digital marketing is the main priority in this research to what extent is the target is able to apply the digitization. The main purpose of the research this is to analyze digital marketing applied to the Bank Muamalat Malang City Branch Office as a strategy in increasing customers in some period of time, which from the past the institution has using a traditional marketing system which then switches to a digitization. From the system transition, it was found that there was unrest ordiscrepancy due to several factors.               This study uses qualitative research by conducting interviews, and documentation. The results of this study say that The digital marketing used is felt to be not optimal due to the obstacles faced. In addition, the process of switching the system becomes a challenge especially in the current pandemic era.               As for the things faced in Bank Muamalat Malang City influenced by internal factors, namely, HR background, inadequate facilities, and less than optimal software as well as external factors, namely the colonial community and the poor technology literate. Therefore, there is a need for follow-up on the problem These are in the form of HR training, improvement of facilities, and development better software and there must be an approach to the community by providing an understanding of the importance of technology and also providing the best service so as to increase customer confidence.
ANALISIS PENGARUH LITERASI KEUANGAN SYARIAH TERHADAP KEPUTUSAN MENGGUNAKAN PRODUK PERBANKAN SYARIAH (Studi pada Mahasiswa Program Studi Perbankan Syariah FEB UNISMA) Ahmad Basori; Maslichah Maslichah; M. Cholid Mawardi
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 2 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

This study aims to determine the effect of Islamic financial literacy on decisions to use Islamic banking products in students of the Islamic Banking Study Program FEB UNISMA. The location of this research was carried out on students of the Islamic Banking Study Program FEB UNISMA. This research is a quantitative research. This research uses a case study method where data is obtained by distributing questionnaires to students of the Islamic Banking Study Program FEB UNISMA who were selected by purposive sampling. Determination of the number of samples using the Slovin formula and the results obtained were 100 respondents. Data were analyzed using simple regression analysis and determination test. Based on the results of data analysis, the results of the t-test indicate that Islamic financial literacy has a significant and positive effect on purchasing decisions and has an effect on decisions to use Islamic banking products for students of the Islamic Banking Study Program FEB UNISMA. Furthermore, the results of the t test show that Islamic financial literacy partially has a significant and positive effect on the decision to use Islamic banking products. The results of the determination test show that the percentage is 9.9%, where the decision to use the product can be influenced by Islamic financial literacy. Furthermore, in this study, the data collection method can be continued by paying attention to the willingness of respondents, follow-up to fill out, so that when given a questionnaire, they can immediately fill in the data properly.
OPTIMALISASI PENDISTRIBUSIAN DANA ZAKAT UNTUK MENINGKATKAN KESEJAHTERAAN MUSTAHIK (Studi Kasus Baznas Kota Malang) Dian Novitasari; Maslichah Maslichah; M. Cholid Mawardi
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 2 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

Amil zakat agency is a zakat management institution formed by the government, consisting of government and community elements with the task of collecting, distributing, and utilizing zakat. As this is done by the National Amil Zakat Agency (BAZNAS) Malang. as a zakat management institution BAZNAS Malang City must be able to provide tangible evidence to the community in the distribution of productive zakat that is right on target and successfully fights poverty. This type of research is a qualitative research and uses a descriptive approach conducted at BAZNAS Malang City using a descriptive approach. Sources of data in this study consisted of primary and secondary data sources obtained through interviews and documentation. This study resulted in the following conclusions. First, optimizing the distribution of zakat in improving the welfare of mustahik in BAZNAS Malang City greatly supports mustahik who need capital, tools, for business development. infaq and sadaqah. So that the public knows that the magnitude of the potential of ZIS can help government programs in alleviating poverty. Second, this program has an influence on the welfare of mustahik by increasing business results, reducing basic needs, increasing family income and increasing knowledge, skills, as well as independence.
Analisis Faktor Yang Mempengaruhi Perilaku Konsumen Untuk Menggunakan Platform Crowdfunding Berbasis Zakat Untuk Menanggulangi Dampak Merugikan Covid-19 Pada UKM Kabupaten Nganjuk Nurul Mutia Hidayah; Maslichah Maslichah; M. Cholid Mawardi
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 2 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

This study aims to determine the effect of performance expectations, business expectations, social influences, and condition of facilities on consumer behavior using the zakat-based Crowdfunding Platform to overcome the adverse impact of Covid-19 on SMEs in Nganjuk. This type of research is correlational research. The sample in this study was 52 respondents who were SMEs in Nganjuk Regency. The analytical method used is Multiple Linear Regression Analysis using SPSS 20. The results show that the independent variables, including performance expectations (X1), have a positive and significant effect on consumer behavior using the Zakat-based Crowdfunding Platform to overcome the adverse impact of Covid-19 (Y). Business expectations (X2) have a positive and significant effect on consumer behavior using the zakat-based Crowdfunding Platform to overcome the adverse impact of Covid-19 (Y). Social influence (X3) has a positive and significant effect on consumer behavior using the zakat-based Crowdfunding Platform to overcome the adverse impacts of Covid-19 (Y). The condition of the facility (X4) has a positive and significant effect on consumer behavior using the zakat-based Crowdfunding Platform to overcome the detrimental impact of Covid-19 (Y). At the same time, the variables of performance expectations, business expectations, social influences, and facility conditions have a simultaneous positive and significant effect on consumer behavior using the zakat-based Crowdfunding Platform to overcome the adverse impact of Covid-19
ANALISIS KEPERCAYAAN MASYARAKAT KOTA MALANG TERHADAP LEMBAGA KEUANGAN SYARIAH Riski Amalia; Maslichah Maslichah; Junaidi Junaidi
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 2 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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Abstract

The purpose of this study was to analyze the effect of Malang people's trust in Islamic Financial Institutions. The population is the people of Malang city and the sample technique is purposive sampling with a sample of 100 respondents. The data method uses a Likert scale and the data analysis where the results of the study explain that the criteria public trust with the Transparency indicator has an average of 3.97 and a standard deviation of 0.684. Public trust based on the Accountability indicator has an average of 3.97 and a standard deviation of 0.659. Public trust based on the accountability indicator has an average of 4.05 and a standard deviation of 0.675. Public trust based on independence has an average of 4.01 and a standard deviation of 0.730. Public trust based on justice has an average of 3.93 and a standard deviation of 0.710. Public trust based on Shariah Compliance has an average of 4.05 and a standard deviation of 0.667. There are two statement in the Responsibility and Sharia Compliance indicators which have the highest value in the category with the same average value of 4.05.
STRATEGI DIGITAL MARKETING DALAM PENINGKATAN NASABAH DI BANK MUAMALAT SAAT PANDEMI COVID-19 (Studi Kasus Bank Muamalat Kota Malang Saat Pandemi Covid-19) Elia Nurmala; Maslichah Maslichah; M. Cholid Mawardi
El-Aswaq: Islamic Economics and Finance Journal Vol. 3 No. 2 (2022): El-Aswaq
Publisher : Universitas Islam Malang

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

Abstract

Marketing is an activity that must be carried out by every activity economics, especially in each financial institution. Because by being these marketing activities, the purpose of a company or organization. and institutions can be achieved. And it is undeniable that changes will The inevitable globalization of technology demands that every company, institutions and organizations to be more sensitive so as to encourage creativity and innovation of a person in the marketing process so as not to be left behind by the times. Digital marketing is the main priority in this research to what extent is the target is able to apply the digitization. The main purpose of the research this is to analyze digital marketing applied to the Bank Muamalat Malang City Branch Office as a strategy in increasing customers in some period of time, which from the past the institution has using a traditional marketing system which then switches to a digitization. From the system transition, it was found that there was unrest or discrepancy due to several factors. This study uses qualitative research by conducting interviews, and documentation. The results of this study say that The digital marketing used is felt to be not optimal due to the obstacles faced. In addition, the process of switching the system becomes a challenge especially in the current pandemic era. As for the things faced in Bank Muamalat Malang City influenced by internal factors, namely, HR background, inadequate facilities, and less than optimal software as well as external factors, namely the colonial community and the poor technology literate. Therefore, there is a need for follow-up on the problem These are in the form of HR training, improvement of facilities, and development better software and there must be an approach to the community by providing an understanding of the importance of technology and also providing the best service so as to increase customer confidence.
Co-Authors AA Sudharmawan, AA Abaida Zuhri Abd. Goffar Achmad Nursalim Adelia Yohana Meilansari Adhelya Ludfy Pratiwi Afifudin Afifudin Agustin Nilamsari Ahmad Basori Ahmad Khoirul Imaduddin Alfian Ade Putrawan Amalia Maulida Nurissalmah Amin Cahyowati Amin, Muhammad Sirojuddin Andini Hidayati Andre Bayu Pratama Anggia Mandari Valensia Devi Anggrainy, Devy Anindya Nurul Ain Anisa Novianty Wakanno Arista Fauzi Kartika Sari Arum kamawati Ashla Rahmi Tamalla Asniza Afhami Asri Nadya Putri Yusuf Asril Ainun Astri Ridiawati Ayu Febri Citra Pertiwi Ayu Maha Cahyaning Rum Azizih Ayu Rahayu Febriyanti Ayu Via Fitriya A’idatul Khoir Baiq Armiana Malahayati Bilah, Tasya Salsa Brilliant Imani Harlistina Budiarti, Kharisma Wahyu Chofifa, Annisa Noor Chotimatul Hamidah Cynthia Anggraini Muchlaso Darti Wahyuni Desinta Fitria Dewi Dessy Meritha Putri Desy Susilawati Devrynda Bela Anggrayny DEWI DIAH FAKHRIYYAH Dewi Nur Khusniyah Dewi Nurhasana Dian Anjani Dian Anjani Dian Candra Oktavia Dian Novitasari Dian Puspitasari Dian Safitri Dian Syifaul Choirun Nisa Diana Amalia Dina Karima Durrotul Yatimah Dwiyani Sudaryanti Dyah Arini Rudiningtyas Dzurrotun Nasikhah Eka Putri Wahyuningtyas Eka Yuni Wulandari Ela Muliana Elda Prastiwi Elia Nurmala Elva Yuli Ariska Emi Febriani Endang Fitriani Era Perdana Erdila Prastyaningtyas Erfan Efendi Erin Yuniar Erlina Julita Pramesti Erlinliya Motifasari Eva Wulandari F, Dewi Diah Fahira, Diva Faradila Bugis Faradisa, Assyfa Farhan Alif Wahyudi Farid Saiful Mustakim Farida Diyan Pertiwi Fatin Nabilah Fikria Lailatus Sidqiyah Firdausia Oktaviana Fitri Rizqy Amalia Fitri Veta Viyan Fitri Wirda Zahara Gage Rizaldi Affan Ghafar Ryanjo Ghina Abyan Azizah Haris Gina Kholidayanti Gustamin Abjan Halimatus Sa’diya Halimatus Sholikhah Hamamah Jamaludin Hany Ayu Rahma Maulidya Hariri Hariri Hariri, Hariri Harlistina, Brilliant Imani Harun Alrasyid Hasan Badilah N Hasbi Nurmalasari M.S Hellamida Fanureka Hidayati, Irma Hijah Maisyarah Ika Zahrotul Jannah Ikbal Hallan Ibrahim Ilham Muhammad Aurum Mulyono Indah Putri Indani Indah Sumayah Gasim Intan Kartikawati Ulfa Irma Hidayati Isrin Hikmayanti Iswatin Lutfi Hasanah Ita Mega Wijayanti Izzatul Aini Januar Romadhona Jumratih Jumratih Jumrotul Hafifah Junaidi Junaidi Junaidi Junaidi Karina Oktavia Karisma Karisma Karlina Apriliasari Khasanatul Lailiyah Kirana Yuri Aprilia Maharani Dewi Kurniawati Widi Pratiwi Lailatul Badria Lailatul Mutmainnah Laili Septiani Laily Rahmawati Lara Carenina Alhamid Lia Mardiya Ninsih Lilik Rohmaniyah Linda Erika Linda Tri Utami Lisa Yuliana Lita Lada Antana Lulu’ Vionica Lutfi Damayanti Lutfia Faizah Lutfia Fatmawati M. Cholid Mawardi Mahfiro Mahfiro Masdevallia Vasquezii Budia Fii Ahsani MASRIYAH Masriyah Masriyah Mastu’ah Mastu’ah MF. Arrozi Adhikara Mf. Arrozi Adhikara Miftahul Jannah Miftahul Jannah Miftakhul Ayu Anggraeni Mirawati Lompeng MISTIANA MANDASARI Moh. Abdul Azis Mohammad Alfan Syahroni Mohammad Arswenda Putra Atmawiaji Mohammad Naylu Alifi Noor Mohammad Rudi Ariyanto Mokhammad Ali Alfian Ridho Muawanah Muawanah Muhammad Iqbal Achdiyat Muhammad Iswahyudi Muhammad Nur Mufid Muhammad Rifqul Arif Muhammad Rofiudin Muhammad Ulil Albab Muhammad Yusup Hasyim Asngari Muhsi Rosdian Sukmawati Mujizatul Safinaza Mukminah Mukminah Nadya Danah Sabbita Nafa Risky Lestariwati Namira Usman Nanda Dwi Tari Aprillianty Nayong Azhaki Damayanti Na’am Chusaeri Niawati Niawati Nicken Wanda Lorenza Nining Ayu Widiastuti Ninsih, Lia Mardiya Noor, Mohammad Naylu Alifi Normalasari Normalasari Normasari Dwi Purwanti Nova Ardila Nova Eliza Tamaroh Nuansa Risky NUR AINI Nur Ana Berliana Nur Diana Nur Diana Nur Lailatul Jamilah Nurfailah Nurfailah Nurhayati Nurhayati Nurul Hidayati Nurul Indah Q. Muksin Nurul Lifa Apriliya Nurul Mutia Hidayah Nurul Nabilah Nurul Yuniarti Oktaviana, Deva Panetep Bagus Samudra Pinky Anjeli Pratama, Riko Henry Puteri Sari Damayanti Putri Nabilah Putri, Weni Anita R. Triwigati Ningsih Rachmatika, Fera Rafika Nur Laili Rahma Maulidia Rahmania Fitriani Rahmawati, Rahmawati Ramadhania, Eno Dwi Renita Siswati Riko Henry Pratama Riski Amalia Rizal Aji Pamungkas Rohmah, Wahyu Azizatur Rokhmatullaeli Rokhmatullaeli Rr. Febriyanti Arya Kinasih Rum Azizih, Ayu Maha Cahyaning Rya Rahma Lutvitasari Ryansyah Ilham Sasti Sabtian Clara Desya Putri Sadiyah, Chalimatu Safitri Yustisianingsih Saidah, Fadilatul Salsabila, Unik Hanifah Saputri, Agesha Aprilia Diani Sari Faturrohma Sarrah Nikmatul Hidayah Satrio, Al Fatkhan Fajar Sayyi Sayyi Sendi Betha Oktavianto Septi Muzdalifah Setiyawan, Adi Siela Saadatul Laili Silahuddin Silahuddin Silvia Nur Aisyah Silvia Qotru Nada Siti Istiqomah Siti Lailatul Nuzulu Maghfiro Siti Rofiah Siti Tarwiyah Siti Wulandari Sopia Sopia Sri Wahyuni Suniyah Suniyah Surya Saida Teddy Briand Samudra Titian Khairat Trisnawati Trisnawati Uhaiba, Syafina Rahmaniyah Ulfa Ilmiyatis Sholichah Ulfa Kasanatul Munawaroh Umi Lathifatu Nur Tri Mukti Umi Masitah Umi Nandiroh Verna Diarawati Via Krismawati Vica Avriani Putri Vidia Tutik Wahyu Suryani Wahyu Zakiyah Faradillah Wati, Bela Sinta Widiyani, Nur Yanuar, Salwa Shabuha Yunita, Seri Yuyun Fadilah Zakiya Kamila Amaliyah