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All Journal Jurnal Manajemen Terapan dan Keuangan Excellent Jurnal Minds: Manajemen Ide dan Inspirasi Jurnal Ekonomi & Studi Pembangunan JBTI : Jurnal Bisnis : Teori dan Implementasi Benefit: Jurnal Manajemen dan Bisnis Jurnal Manajemen Kesehatan Indonesia Syntax Literate: Jurnal Ilmiah Indonesia SEIKO : Journal of Management & Business Journal on Education ISOQUANT : Jurnal Ekonomi, Manajemen dan Akuntansi YUME : Journal of Management JURNAL MANAJEMEN BISNIS PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Jurnal Ekonomi dan Bisnis Dharma Andalas JURNAL LENTERA BISNIS Value: Jurnal Manajemen dan Akuntansi Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Coopetition : Jurnal Ilmiah Manajemen Jurnal Ekuilnomi Jurnal Orientasi Bisnis dan Entrepreneurship Community Empowerment Jurnal Bisnis dan Manajemen (JBM) Jurnal Bina Bangsa Ekonomika Abdi Psikonomi International Journal of Management Science and Information Technology (IJMSIT) Banco: Jurnal Manajemen dan Perbankan Syariah Journal of Management and Digital Business Journal of Social And Economics Research Proceeding ISETH (International Summit on Science, Technology, and Humanity) Urecol Journal. Part B: Economics and Business Prosiding University Research Colloquium Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) International Journal of Economics (IJEC) PERMANA : Jurnal Perpajakan, Manajemen, dan Akuntansi Eduvest - Journal of Universal Studies Innovative: Journal Of Social Science Research Center of Economic Students Journal (CSEJ) Paradoks : Jurnal Ilmu Ekonomi Amkop Management Accounting Review (AMAR) Southeast Asian Business Review IIJSE JMMR (Jurnal Medicoeticolegal dan Manajemen Rumah Sakit) Majapahit Journal of Islamic Finance dan Management Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management Advances in Management & Financial Reporting JER Hirarki : Jurnal Ilmiah Manajemen dan Bisnis PROMOTIF: Jurnal Pengabdian Kepada Masyarakat journal of social and economic research Journal of Ekonomics, Finance, and Management Studies Benefit: Jurnal Manajemen dan Bisnis EKONOMIKA: Manajemen, Akuntansi dan Perbankan Syari’ah
Rini Kuswati
Universitas Muhammadiyah Surakarta
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Neuroscience Nursing Public Health Social Sciences Other

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Menilai Perilaku Konsumtif Mahasiswa Atas Pengaruh Dari Kemudahan Penggunaan Mobile Banking Jannah, Niswatul; Kuswati, Rini
Jurnal Ekonomi dan Bisnis Dharma Andalas Vol 26 No 2 (2024): Jurnal Ekonomi dan Bisnis Dharma Andalas
Publisher : Universitas Dharma Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebd.v26i2.1509

Abstract

Most consumers now prefer shopping online rather than offline. Supported by easy access to shopping services such as Shopee, Tiktok Shop and Tokopedia, the online shopping trend is growing rapidly. Regarding the ease of shopping, the researchers decided to analyze the impact of the ease of using mobile banking on consumer behavior among FEB students. The research is based on a quantitative method which was distributed via a questionnaire with a rating scale of 1-5 to 220 active students of the economics and business faculty at Muhammadiyah University of Surakarta which was then processed via SPSS v20. The results found that there was a significant influence on the role of ease of use such as easy to learn, flexible, controllable, and easy to use on the consumptive behavior of FEB students.
PENGARUH GENDER DAN KETERAMPILAN KERJA TERHADAP KINERJA KARYAWAN DENGAN DISIPLIN KERJA SEBAGAI VARIABEL INTERVENING PADA MIE GACOAN SURAKARTA Tubagus Sendy Permana; Nur Achmad; Rini Kuswati
Journal of Social and Economics Research Vol 5 No 2 (2023): JSER, December 2023
Publisher : Ikatan Dosen Menulis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54783/jser.v5i2.267

Abstract

Penelitian ini menguraikan dan menganalisis berbagai aspek yang mempengaruhi kinerja karyawan di Mie Gacoan dengan fokus utama pada variabel gender, keterampilan kerja, dan disiplin kerja. Analisis menunjukkan bahwa gender memiliki dampak signifikan terhadap kinerja karyawan, dan perbedaan ini perlu diperhatikan dalam manajemen sumber daya manusia. Keterampilan kerja memberikan kontribusi positif terhadap kinerja karyawan, menekankan pentingnya pengembangan keterampilan melalui pelatihan. Temuan juga mengindikasikan bahwa gender dan keterampilan kerja mempengaruhi tingkat disiplin kerja, sehingga perusahaan disarankan mempertimbangkan strategi yang mengintegrasikan pengembangan keterampilan dengan penguatan budaya disiplin. Disiplin kerja, sebagai mediator, memainkan peran kunci antara variabel-variabel tersebut dan kinerja karyawan. Tingkat disiplin yang tinggi diidentifikasi sebagai faktor kunci dalam mencapai target kinerja perusahaan. Kesimpulan dari penelitian ini menyoroti pentingnya memahami peran gender, keterampilan kerja, dan disiplin kerja dalam membentuk kinerja karyawan. Implementasi saran-saran yang dihasilkan diharapkan dapat meningkatkan kinerja karyawan Mie Gacoan, menciptakan lingkungan kerja yang inklusif, dan memperbaiki efisiensi operasional. Penelitian ini memberikan landasan untuk pemahaman yang lebih baik tentang dinamika tenaga kerja dalam industri kuliner, mengajak untuk menjelajahi strategi-strategi inovatif dalam manajemen sumber daya manusia.
Pengaruh Green Self Identity Dan Environmental Risk Perception Terhadap Sustainable Food Consumption Yang Dimediasi Oleh Self-Congruity Suliatiana, Risma Endah; Kuswati, Rini
Excellent Vol 11, No 1 (2024)
Publisher : STIE AUB Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36587/exc.v11i1.1729

Abstract

Penelitian ini mengkaji pengaruh green self-identity, environmental risk perception, dan self-congruity terhadap perilaku pembelian produk hijau. Penelitian menggunakan pendekatan kuantitatif dengan survei online yang melibatkan responden dari Surakarta, Jawa Tengah. Analisis data dilakukan menggunakan analisis jalur (path analysis). Hasil penelitian menunjukkan bahwa green self-identity memiliki pengaruh signifikan terhadap perilaku pembelian produk hijau. Namun, environmental risk perception dan self-congruity tidak menunjukkan pengaruh signifikan terhadap perilaku tersebut. Selain itu, self-congruity tidak memediasi hubungan antara green self-identity dan environmental risk perception terhadap perilaku pembelian produk hijau. Temuan ini menggarisbawahi pentingnya identitas diri yang hijau dalam mendorong konsumen untuk membeli produk ramah lingkungan, yang dapat menjadi dasar pengembangan strategi pemasaran yang lebih efektif untuk produk hijau. Penelitian ini juga menyoroti perlunya pendekatan yang lebih komprehensif dalam memahami faktor-faktor yang mempengaruhi perilaku konsumen terhadap produk ramah lingkungan.
The Influence of Compensation and Workload on the Quality of Health Services in Hospitals with the Effectiveness of Electronic Medical Records as a Mediating Variable Rahayu Pangestuti , Mugi; Alam Romadhon, Yusuf; Kuswati, Rini
International Journal of Management Science and Information Technology Vol. 4 No. 2 (2024): July - December 2024
Publisher : Lembaga Otonom Lembaga Informasi dan Riset Indonesia (KITA INFO dan RISET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/ijmsit.v4i2.2934

Abstract

The aim of this research is to analyze the influence of compensation and workload on the quality of health services in hospitals with the effectiveness of electronic medical records as a mediating variable. This research method is quantitative. The population in this study were General Practitioners, Nurses, and Midwives at AN-NISA Tangerang Hospital. The sampling technique in this research uses a saturated sample technique. The number of respondents in this study was 302 respondents. This research uses primary data in its preparation. The data collection method used in this research was by distributing questionnaires. The data analysis technique in this research uses Partial Least Square (PLS) with the help of SMARTPLS Software. The results of this research are that compensation does not have a significant influence on service quality. Workload has a positive and significant influence on Service Quality. Compensation has a positive and significant influence on the effectiveness of electronic medical records. Workload has a positive and significant influence on the effectiveness of electronic medical records. The effectiveness of Electronic Medical Records has a positive and significant influence on Service Quality. The calculation results show that the effectiveness of electronic medical records can mediate the influence of compensation on service quality. The calculation results show that the effectiveness of electronic medical records can mediate the influence of workload on service quality.
E-wallet Adoption in The Covid-19 Period: The Roles Of Perceived Benefits As Mediating Variabel Nur Asida, Abi Yusuf; Kuswati, Rini
Jurnal Orientasi Bisnis dan Entrepreneurship (JOBS) Vol 4 No 1 (2023): JUNI 2023
Publisher : Lembaga Penelitian Universitas YARSI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33476/jobs.v4i1.3604

Abstract

This study aims to analyze the effect of ease and convenience of use on e-wallet adoption in the millennial generation in Indonesia and the role of perceived benefits as a mediator. The spread of the Covid-19 virus has an impact on changes in the payment system due to the physical distancing policy. The payment system, which was initially in cash, has become server-based which can be accessed via a website or application (e-wallet). This research method is quantitative. The sampling technique used purposive sampling method. The number of samples in this study were 215 students. The data analysis technique in this study used Partial Least Square (PLS) with the help of SMARTPLS Software. The results of data analysis show that this research instrument has good validity and reliability. The ease and convenience of use has a direct effect on the e-wallet adoption behavior of Indonesia's millennial generation. Perceived benefits have been shown to be a partial mediator in the behavioral model of e-wallet adoption in Indonesia's millennial generation. This novel study shows that the adoption behavior of Indonesia's millennial young generation in adopting e-wallets does not only pay attention to the benefits of e-wallet services, but also as a necessity in this digital technology era. The implications of this research are to provide benefits for knowledge bearers in the field of marketing as a reference for scientific studies on how convenience and convenience influence e-wallet adoption and its relation to perceived benefits, as well as providing information, insights, and references that can add to readers' knowledge.
Adoption Green Car in Indonesia : Implementation VBN Theory Akbar, A Zaenudin; Kuswati, Rini
International Journal of Economics (IJEC) Vol. 3 No. 1 (2024): January-June
Publisher : PT Inovasi Pratama Internasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55299/ijec.v3i1.822

Abstract

Electric cars have the potential to reduce greenhouse gas emissions and air pollution compared to fossil fuel cars. In green behavior research, a focus on electric cars can provide a better understanding of the preferences, motivations, and challenges individuals face in switching to these environmentally friendly cars. This research aims to analyze the influence of biospheric values ​​on ascription of responsibility and willingness to adopt, analyze the influence of ascription of responsibility on personal norms and willingness to adopt, analyze personal norms on willingness to adopt and personal norms mediate the influence of ascription of responsibility on willingness to adopt. This research data was collected using a questionnaire because this research is research using quantitative methods. Data analysis in this research was carried out using the Partial Least Square (PLS) method using SmartPLS software version 3.0. The results of this research show that Biospheric Value has a significant positive effect on interest in adopting electric cars. Ascription Of Responsibility has a significant positive effect on Personal Norm. Biospheric Value has an insignificant negative effect on Willingness To Adopt. Ascription Of Responsibility has a significant positive effect on Willingness To Adopt. Personal Norm has a significant positive effect on Willingness To Adopt. Personal Norms can mediate the influence of Ascription Of Responsibility on Willingness To Adopt.
Improving Brand Love through Emotional, Loyalty, and Susceptibility to Normative Influence Laksana, Muhammad Hafid; Kuswati, Rini
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 5 No. 1 (2024): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v5i1.4062

Abstract

The purpose of this research is to analyze the effect of emotional brand attachment and brand loyalty on brand love as mediated by susceptibility to normative influence. The population of this study is Indonesia's Apple product consumers, and a sample of 150 respondents was gathered. The sample selection used a non-probability sampling method, specifically using purposive sampling. Smart PLS 3.0 software was utilized for data analysis. The analytical results of this study show that brand loyalty has a significant effect on brand love, brand loyalty has a significant effect on susceptibility to normative influence, emotional brand attachment has a significant effect on brand love, emotional brand attachment has a significant effect on susceptibility to normative influence, and susceptibility to normative influence has a significant effect on brand love. Eventually, susceptibility to normative influence fully mediates the effect of both brand loyalty on brand love and emotional brand attachment on brand love. The integration of these concepts is anticipated to enhance the understanding of the relationship between brand love. Future research should delve into the exploration of susceptibility to normative influence in this context, with a focus on comprehending its more profound effects on brand love. As a suggestion for further research, additional exploration can be conducted regarding other factors that may mediate the relationship between these variables, as well as cross-brand research to broaden the generalizability of the research results.
Performance Measurement Analysis Based on The Balanced Scorecard at The Private Hospital in Boyolali, Indonesia Mushhaf, Muhammad Dhiyaul; Kuswati, Rini; Ichsan, Burhannudin
JMMR (Jurnal Medicoeticolegal dan Manajemen Rumah Sakit) Vol. 13 No. 2 (2024): August 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jmmr.v13i2.437

Abstract

Hospitals must contend with the fierce competition in the rapidly expanding healthcare business. Hospitals, particularly private ones, operate in a highly competitive health service business. Therefore, hospitals must engage in performance assessment in order to enhance many facets of their performance. This study aims to assess the efficiency of the private hospital in Boyolali, Indonesia, by employing the Balanced Scorecard method. Measurement was conducted utilizing four distinct perspectives: money, customers, internal company processes, and learning and growth. The study involved collecting primary and secondary data over four years, specifically from 2020 to 2023. Comparative analysis was employed to assess the hospital's performance throughout different periods and compare it to pre-established targets. Subsequently, a score was assigned based on the findings. The findings indicated a total score of 0.52, signifying that the overall performance evaluation results of this study are classified as satisfactory. It is necessary to oversee hospital investments, enhance marketing efforts, train workers to deliver exceptional care, and offer awards based on success.
Pengaruh Penciptaan Nilai pada Kepuasan Pelanggan yang di Mediasi oleh Ekuitas Merek (Studi Brand Fashion H&M Solo Grand Mall) Wiguna, Kevin Satria; Kuswati, Rini
SEIKO : Journal of Management & Business Vol 7, No 2 (2024): July - December
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v7i2.6516

Abstract

Tujuan penelitian ini ialah menganalisis pengaruh penciptaan nilai pada kepuasan pelanggan yang di mediasi oleh ekuitas merek (studi brand fashion H&M Solo Grand Mall). Metode penelitian ini ialah metode kuantitatif. Populasi dalam penelitian ini adalah mahasiswa Universitas Muhammadiyah Surakarta. Teknik pengambilan sampel dalam penelitian ini adalah non probability sampling dengan Teknik purposive sampling. Jumlah sampel yang digunakan dalam penelitian ini adalah sebanyak 199 responden Teknik pengumpulan data dalam penelitian ini menggunakan kuesioner. Teknik analisis data dalam penelitian ini adalah analisis kuantitatif dengan menggunakan analisis Partial Least Square (PLS). Hasil penelitian ini ialah bahwa penciptaan nilai memiliki pengaruh positif dan signifikan terhadap ekuitas merek pada brand fashion H&M di Solo Grand Mall. Penciptaan nilai memiliki pengaruh positif dan signifikan terhadap kepuasan pelanggan pada brand fashion H&M di Solo Grand Mall. Ekuitas merek memiliki pengaruh positif dan signifikan terhadap kepuasan pelanggan pada brand fashion H&M di Solo Grand Mall. Penciptaan nilai memiliki pengaruh positif dan signifikan terhadap kepuasan pelanggan dengan ekuitas merek sebagai variabel mediasi pada brand fashion H&M di Solo Grand Mall. Berdasarkan perhitungan nilai R2 maka perubahan variabel ekuitas merek dapat dipengaruhi oleh perubahan variabel penciptaan nilai dan kepuasan pelanggan serta berdasarkan perhitungan nilai R2 maka perubahan variabel kepuasan pelanggan dapat dipengaruhi oleh perubahan variabel penciptaan nilai dan ekuitas merek.
PERAN PEMEDIASI PRO-ENVIRONMENTAL ATTITUDE PADA PENGARUH INNOVATIVENESS TERHADAP NIAT BELI PRODUK HERBAL Muhammad Enrico; Rini Kuswati
Jurnal Bina Bangsa Ekonomika Vol. 17 No. 2 (2024): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v17i2.557

Abstract

The purpose of this study was to analyze the role of pro-environmental attitude mediators  on the influence of innovativeness on the purchase intention of herbal products. The type of research used in research uses quantitative methods. The population in this study is the community in Solo Raya. The sampling technique in this study is Non-probability Sampling with purposive sampling techniques. The sample used in this study was 200 respondents. This study used primary data in its preparation. Data were obtained through respondents' answers using a closed type of questionnaire. The data collection method used in this study was by distributing questionnaires. The data analysis technique in this study uses Partial Least Square (PLS) using the help of SMARTPLS Software. The results showed that hedonist innovativeness had a positive and significant effect on purchase intent. Social innovativeness has a positive and significant effect on purchase intent. Hedonist innovativeness has a positive and significant effect on pro-environmental attitudes. Social innovativeness has a positive and significant effect on pro-environmental attitudes. Pro-environmental attitude has a positive and significant effect on purchase intent. Pro-environmental attitudes mediate the influence of hedonist innovativeness on purchase intent, partially. Pro-environmental attitudes mediate the influence of social innovativeness on purchase intent, partially
Co-Authors 'Ammar, Mohammad 'Atha Abdul Aziz Abi Yusuf Nur Asida Adinda Mutiara Putri Sakhina Adinda Mutiara Putri Sakhina Aditya Dwi Hardianti Afifah, Imroatul Agus Dwi Anggono Agus Triyono Agustyawati, Lely Ahmad Baihaqi Esaputra Aini, Lola Khurul Akbar Prakosa, Muhammad Rizki Akbar, A Zaenudin Alfina Putri Pratama Alfina Septriana Pamungkas Amalia Saleha Amalia Saleha, Amalia Amalia, Yumita Azatin Andra Vikto Santosa Andriani, Betty Angellia, Anggi Anggitasari, Oktavia Diyah Anindita, Yessica Anton Agus Setyawan Aprilliyani, Reny Arya Dita Aflaha Audia Dewi Arifani Aulia Uswatun Khasanah Azzahra Anandita Prasetya Bunga Agustina Perdani Burhannudin Ichsan Choirunnisa, Bella A. Destri Andri, Sigit Dewa, Muhammad Rakha Kusuma Dimas Adi Nugroho Dina, Jihan Farah DL, Wuryaningsih Edy Purwo Saputro Elsa Hendriana Putri Em Sutrisna Eni Setyowati Farihin, Nadhif Rahman Fayestika Anantasia Pratiwi Feisya Arfani Syahafidan Firda Rayyantika Gata Krisnawan Hermalia, Riang Anggun Herry Purnama, Herry Ihwan Susila Iliyyin, Al Haqqul Ala Ilyas Alfida' Abdillah Imronudin Imronudin Intan Laiti Qonita Irfan, Maulana Ali Iwan Setiawan Adji Jannah, Niswatul Jati Waskito Kholifah Syafrina Hasna Krisnawan, Gata Kurniawati, Novarina Kussudyarsana Laksana, Muhammad Hafid laksana, yudhistira surya Larasati Larasati Lola Khurul Aini Lucky Titi Wandansari M. Sholahuddin Mahiroh, Aqila Widyas Makaarim, Nabiil Hilmi Mekar Sari Mercylina Rifka Cisandra Michella Mulyana Putri Mirzam Arqy Ahmadi Moechammad Nasir Mohammad 'Atha 'Ammar Mugi Rahayu Pangestuti Muhammad Enrico Muhammad Irfan Rivai Zaky Arham Muhammad Sholahuddin Muhammad Wahyu Bima Kusumawardani Muhana, Anas Luthfi Mulyadi, Desviana Umi Sholikah Mushhaf, Muhammad Dhiyaul Muzakar Isa Nabiil Hilmi Makaarim Nabila Ayu Wijayanti Nabila Zalfa Faridah Nafisa Rafi Azumah Nanda Meisya Putri Natasha Dewi Azzarah Novel Idris Abas Nur Achmad Nur Achmad Nur Asida, Abi Yusuf Nur Hidayati Nur Rahmawati Syamsiyah Nurdaya, Bastian Nursito, Fadhil Rafii Falah Nurul Hikmah Pamungkas, Alfina Septriana Pandu Prashanantyo Pangestu, Yulia Kinanti Permatasari, Qisthoni Pramesti , Diesyana Ajeng Putra , Bintang Kharisma Putri Rizqya Faza Putri Tanti Ayuningsih Qisthoni Permatasari Qudsiyah, Yusfina Sekar Rafi Falah Nursito, Fadhil Rahayu Pangestuti , Mugi Rahma, Ghina Aulia Ratulangi, Agnes Rayyantika, Firda Retno Sintawati Rino Vrasica Risma Rifatul Koirunisa Rizky?, Vatri Aulia Rizqi, Widhi Dwi Ridho Rosa Nur Maulia Saputra Ruli Permana Sakhina, Adinda Mutiara Putri Sakti Wiryawan Santosa, Andra Vikto Sari, Ajeng Herliyana Sari, Mekar Shoxrux Ulugbekovich, Ibragimov Siti Fatimah Soepatin Soepatin Soepatini Sofa Fikri Haikal Haikal Sri Indra Kurnia Sri Murwanti Sri Padmantyo Sucia Majid Suliatiana, Risma Endah Suryandari , Rullynta Siska Sutrisna, M. Syahafidan, Feisya Arfani Syanda Cicit Daradinanti Syelbi Huriyah Baradja Teresa Dina Novitalia Tri Hartati, Wiwit Wahyu Tubagus Sendy Permana Vania Taradiva Aristawati Vrasica, Rino Wafiatun Mukharomah Wahyu Aji Prasetyo Wahyu Triyulianto Putro Widhi Dwi Ridho Rizqi Wiguna, Kevin Satria Wijayanti, Nabila Ayu Wiryawan, Sakti Wiyadi Wiyadi Wulandari, Yulia Aisyah Wuryaningsih Dwi Lestari Wuryaningsih Dwi Lestari Wuryaningsih Dwi Lestari, Wuryaningsih Dwi Yulia Aisyah Wulandari Yusfina Sekar Qudsiyah Yusria, Lana Yusuf Alam Romadhon Zakiyah, Safira Zana Zein Hardimanto Zulfa Irawati Zulfa Irawati, Zulfa