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All Journal JEJAK El Dinar IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan Menara Riau: Jurnal Ilmu Pengetahuan dan Pengembangan Masyarakat Islam IJTIHAD Dinar: Jurnal Ekonomi dan Keuangan Islam Suhuf Jurnal Terapan Abdimas Jurnal Pendidikan Agama Islam (Journal of Islamic Education Studies) Profetika Economica: Jurnal Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Afkar, Journal For Islamic Studies Jurnal Ilmiah Al-Syir'ah Al-Iktisab: Journal of Islamic Economic Law Journal of Islamic Economic Laws Indonesia Journal of Halal Islamika : Jurnal Ilmu-Ilmu Keislaman Shirkah: Journal of Economics and Business Jambura Science of Management Iqtishoduna: Jurnal Ekonomi Islam Journal of Islamic Accounting and Finance Research Journal of Digital Marketing and Halal Industry AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Economics and Digital Business Review Insight Management Journal Al-Iqtishod : Jurnal Ekonomi Syariah Abdi Psikonomi Jurnal Abdimas Prakasa Dakara Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam International Journal of Islamic Economics (IJIE) Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Fauzul Hanif Noor Athief
Universitas Muhammadiyah Surakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Medicine & Pharmacology Nursing Physics Public Health Social Sciences Transportation Other

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Court decisions on post-divorce children’s livelihood: Islamic law analysis on their practices in Indonesia and Malaysia Fauzul Hanif Noor Athief; Resti Hedi Juwanti
Ijtihad : Jurnal Wacana Hukum Islam dan Kemanusiaan Vol 20, No 2 (2020)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/ijtihad.v20i2.151-173

Abstract

A divorce is indeed never expected to happen in a marriage. However once it happens, the important thing which must be taken into account is the consequence of the divorce where the issue pertinent to children’s livelihood is one of it. This study tried to probe into how Malaysia and Indonesia whose most of the population was Muslims adopted the Fiqh concept in terms of post-divorce children’s livelihood in their regulations. Since there  always be difference between theory and practice, the real implementation of the decisions will also be examined on the basis of legal norms. This study directly explores the laws and Court decisions for further assessment based on several indicators. It is found that the legislation and the Court decisions of the two countries had adopted the concept of Fiqh yet with a couple of particular notes. It is also found that there is a chance of providing livelihood for illegitimate children in the law and practice of both countries.
Embedding Crowdfunding Structure in Islamic Venture Capital for SMEs Development Fauzul Hanif Noor Athief
Economica: Jurnal Ekonomi Islam Vol 10, No 1 (2019)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2019.10.1.3186

Abstract

SMEs that play significant role in Indonesia economy still suffer from financial constraint. Even though government provides big support to open finance access for SMEs, there are still more than half are not supported by sufficient access of financing. This paper investigates the possible financing methods that can be used by SMEs by examining its positive and negative aspects along with the shariah view on it. Since there are limitations that have to be removed, we propose new scheme of financing suits best for Indonesia SMEs based on the venture capital design by embedding crowdfunding structure and the Islamic element in it. This paper also proposes new possible exit strategy for the scheme in order to benefit all parties involved.UKM memiliki peran penting dalam perekonomian Indonesia yang masih mengalami kendala keuangan. Meskipun pemerintah memberikan dukungan besar untuk membuka akses keuangan untuk UKM, masih ada lebih dari setengah yang tidak didukung oleh akses pembiayaan yang memadai. Kajian ini meneliti kemungkinan metode pembiayaan yang dapat digunakan oleh UKM dengan memeriksa aspek positif dan negatifnya disertai dengan pandangan syariah atas permasalahan ini. Karena ada keterbatasan yang harus dihilangkan pada model-model pembiayaan, maka kami mengusulkan skema baru pembiayaan yang terbaik untuk UKM Indonesia berdasarkan desain modal ventura dengan menanamkan struktur crowdfunding dan elemen Islami di dalamnya. Penelitian ini juga mengusulkan kemungkinan strategi keluar baru untuk skema tersebut agar bermanfaat bagi semua pihak yang terlibat.
KONSEP ‘URF SEBAGAI VARIABEL PRODUK HUKUM Fauzul Hanif Noor Athief
Suhuf Vol 31, No 1 (2019): Mei
Publisher : Universitas Muhammadiyah Surakarta

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

Abstract

Kehidupan dunia terus berkembang mengikuti pergerakan zaman. Hal ini mengakibatkan banyak aktivitas yang merupakan kultur budaya serta kebiasaan yang ada pada suatu era menjadi tidak lagi relevan di era lain. Kultur dan budaya ini tentu menghasilkan produk non-abstrak berupa model-model akad transaksi, institusi pendidikan, model perawatan kesehatan, cara orang berpindah dan bergerak, bahkan hingga perbedaan produk hukum. Ketidaksamaan latar belakang situasi antara kejadian di era dulu dan sekarang membuat kedua fenomena tidak bisa dikomparasikan dengan persis. Ada variabel berbeda yang harus diikutsertakan dalam memahami kedua kejadian tersebut. Silih ganti era yang merupakan sunnatullah ini tentu menjadi salah satu perhatian Islam sebagai agama terakhir yang datang menjadi penyempurna dan pentutup bagi agama-agama sebelumnya. Islam datang bukan sebagai agama yang rijid dan jumud, tetapi juga sebagai agama yang terus bisa diterapkan sepanjang zaman. Islam memastikan bahwa agama ini mempunyai sisi fleksibilitas yang mampu menjawab tantangan zaman di samping berbagai ketentuan-ketentuan baku lain yang sudah ditetapkan sejak diutusnya Nabi Muhammad SAW. Fleksibilitas ini diejawantahkan dalam salah satu sumber hukum fikih yang disebut dengan ‘urf. Meskipun sudah dinyatakan bahwa ‘urf menjadi salah satu landasan fikih, tentunya perlu dikaji lebih jauh terkait ranah pemakaian dan batasan dari konsep ini agar tidak kemudian dipakai di luar konteks yang tepat. Tulisan ini mencoba untuk menganalisa konsep ‘urf sebagai variabel produk hukum agar diketahui batasan-batasan pemakaian serta konteks pemakaian yang tepat.
Evaluasi Kurikulum Pembelajaran Berbasis Kebutuhan Masyarakat: Studi pada Program Sarjana Hukum Ekonomi Syariah Fauzul Hanif Noor Athief; Azhar Alam; Nurul Latifatul Inayati
Jurnal Pendidikan Agama Islam (Journal of Islamic Education Studies) Vol. 8 No. 2 (2020): December 2020
Publisher : UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1867.588 KB) | DOI: 10.15642/jpai.2020.8.2.213-234

Abstract

There are only few numbers of Islamic Economic Law program graduates that have been absorbed as industry practitioners. One of main focus for educational providers is the inadequate curriculum to support its graduates to get involved at any legal profession. Various studies related to the involvement of industry practitioners in curriculum development that are able to increase the absorption of alumni as practitioners are important starting points. This study seeks to solve problems related to what courses are required in a curriculum in order to be able to equip alumni with sufficient competencies. By using the ANP method which requires an industry expert as a respondent, we try to solve this problem. The number of respondents whose opinions were extracted was 10 consisting of practitioners of the legal profession, Islamic financial institutions and professional associations. The results of this study indicate that Legal Competence is the main highlight of the experts. Then Basic Arabic, Financial Statement Analysis, Fatwa Studies, Arbitration and Professional Ethics in the Law became the most important focus for additional courses outside the competencies agreed upon by the entire campus. As for the graduate profile, the most relevant based on the courses offered is Judges. Finally, the development that needs to be done to produce these graduates is Class Lectures.
ANALISIS STRATEGI ISLAMIC COLLECTIVE ENTREPRENEURSHIP (ICE): SOLUSI MENGATASI DESA TERTINGGAL Dzaky Adam Thamrin; Boby Habibi; Dewi Permata Sari; Fauzul Hanif Noor Athief
Profetika: Jurnal Studi Islam Vol. 21, No. 1, Juni 2020
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v21i1.11059

Abstract

Sektor ekonomi desa memiliki peran substansial bagi kesejahteraan masyarakat dan menjadi tulang punggung perekonomian nasional. Data Kementerian Desa (2018) menunjukkan masih ada 13.232 desa tertinggal karena faktor ekonomi. Adapun kendala besar dalam ketertinggalan desa adalah rendahnya Sumber Daya Manusia (SDM), sehingga dibutuhkan upaya untuk meningkatkan SDM pada desa salah satunya dengan berwirausaha. Hal ini telah dilakukan oleh Desa Gerdu yang berhasil menjadi Desa Wisata Islami. Strategi wirausaha dilakukan secara kolektif yang berlandaskan nilai-nilai Islam atau dikenal Islamic Collective Entrepreneurship (ICE). Peneliti mencoba mengangkat sejauh mana strategi ICE dapat menjadi solusi dalam membangun perekonomian desa, sehingga strategi ini dapat menjadi solusi bagi desa tertinggal lainnya. Penelitian menggunakan metode deskriptif kualitatif dan observasi dalam pengumpulan data. Data tersebut diperoleh dari hasil wawancara yang akan dilaksanakan dengan informan dari pemuka masyarakat, perwakilan masyarakat, dan instansi kabupaten. Dari hasil analisa, strategi ICE yang dilakukan Desa Gerdu memiliki 3 (tiga) tahap yaitu: 1. Pendidikan dan Kerjasama, 2. Pelaksanaan dan Pengelolaan, 3. Evaluasi dan Perencanaan. Selain itu, faktor pendorong internal dalam kesuksesan ICE terletak pada keaktifan pemuka dan pemuda desa dalam mempraktikkan ekonomi Islam. Adapun kerjasama dengan pihak eksternal seperti BAZNAS, DISPARPORA, serta lembaga lainnya sekitar desa yang aktif membantu dalam pembangunan desa.The rural economic sector has a substansial role for the welfare of society and the economic support of nation. Data from Indonesian Ministry of Villages (2018) showed 13.232 underdeveloped villages in Indonesia due to economic reasons. The lack of human resources was the major reason. Therfore, the improvement of human resources throught entrepreneurship is needed. One of the successful village throught entrepreneurship is Gerdu Village in Karanganyar, which also has succeeded in becoming an islamic tourism village. The entrepreneurship strategy is carried out collectively based on islamic values or known as islamic Collective Entrepreneurship (ICE). Researchers try to find how far the effecticeness of ICE strategy as a solution for othe underdeveloped villages. This is a descriptive qualitative research with using observation for collecting data. The data is obtained through interviews with some informants: community  leader, community representative, and district institution in Karanganyar. The result is the ICE strategy was carried out by Gerdu Village has three stages: 1. Education and Cooperation, 2. Implementation and Management, 3. Evaluation and Planning. In addition, the internal driving factor in ICE’s success lies in the activeness of village leader and youth in practicing islamic economics. The collaborationwith external parties such as BAZNAS, DISPARPORA, as well as other intitution around the village are actively helping in village development
STUDI KOMPARATIF PEMIKIRAN YUSUF QARDHAWI DAN SAHAL MAHFUDH TENTANG ZAKAT PRODUKTIF SEBAGAI SARANA PEMBERDAYAAN EKONOMI Yayuli Yayuli; Fauzul Hanif Noor Athief; Dewi Nur Utari
Profetika: Jurnal Studi Islam Vol. 23, No. 1, Juni 2022
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/profetika.v23i1.16798

Abstract

Poverty is still a serious problem for Muslims. The distribution of zakat on target should be used to solve economic problems, especially poverty. Zakat besides being distributed consumptively can be done in a productive way. Productive Zakat can be used for economic empowerment which is useful for alleviating poverty. This writing aims to examine the thoughts of Islamic leaders who have thoughts about productive zakat which is useful for economic empowerment including Yusuf Qardhawi and Sahal Mahfudh. This research is a library research using a qualitative approach. This study chooses data sources related to the research topic based on the thoughts of Yusuf Qardhawi and Sahal Mahfudh by comparing backgrounds, main ideas, implementers, targets, standard limits, and steps for economic empowerment. The results of this study found that firstly, Yusuf Qardhawi had an idea including dividing economic problems into five categories and developing issues related to zakat management, making a person, society and government as executors of economic empowerment, distributing zakat for mustahiq zakat and the poor, and steps economic empowerment is done by conveying theories to reach the minimum and maximum limits of meeting the needs of the community. Secondly, Sahal Mahfudh has ideas including economic problems and improving zakat management, making a person, community, and government as executors of economic empowerment, zakat distributed to the poor, and empowerment steps carried out with concrete actions and have succeeded in setting minimum and maximum limits of fulfilling needs Public. Third, the similarities and differences in the thoughts of Yusuf Qardhawi and Sahal Mahfudh in economic empowerment through productive zakat. The similarities and differences of thought between the two are in the background, main ideas, implementers, targets, standard boundaries, and steps in economic empowerment.Kemiskinan masih menjadi permasalahan yang serius bagi umat Islam. Pendistribusian zakat yang tepat sasaran seharusnya dapat digunakan untuk memecahkan masalah ekonomi terutama kemiskinan. Zakat selain didistribusikan secara konsumtif dapat dilakukan dengan cara produktif. Zakat produktif dapat digunakan untuk pemberdayaan ekonomi yang berguna untuk mengentaskan kemiskinan. Penulisan ini bertujuan untuk mengkaji pemikiran tokoh Islam yang memiliki pemikiran tentang zakat produktif yang berguna untuk pemberdayaan ekonomi diantaranya adalah Yusuf Qardhawi dan Sahal Mahfudh. Penelitian ini merupakan penelitian kepustakaan dengan menggunakan pendekatan kualitatif. Penelitian ini  memilih sumber data yang berkaitan dengan topik penelitian berdasarkan pemikiran Yusuf Qardhawi dan Sahal Mahfudh dengan membandingkan latar belakang, gagasan pokok, pelaksana, sasaran, batas standar, dan langkah pemberdayaan ekonomi. Hasil penelitian ini ditemukan bahwa pertama, Yusuf Qardhawi memiliki gagasan diantaranya dengan membagi masalah ekonomi menjadi lima kategori dan mengembaangkan isu yang berkaitan dengan manajemen zakat, menjadikan seseorang, masyarakat dan pemerintah sebagai pelaksana pemberdayaan ekonomi, mendistirbusikan zakat untuk mustahiq zakat dan fakir miskin, dan langkah pemberdayaan ekonomi dilakukan dengan menyampaikan secara teoritis untuk mencapai batas minimal dan maksimal pemenuhan kebutuhan masyarakat. Kedua, Sahal Mahfudh memiliki gagasan diantaranya adalah problem ekonomi dan memperbaiki manajemen zakat, menjadikan seseorang, masyarakat, dan pemerintah sebagai pelaksana pemberdayaan ekonomi, zakat didistribusikan untuk fakir miskin, dan langkah pemberdayaan dilakukan dengan tindakan nyata dan telah berhasil menetapkan batas minimal dan maksimal pemenuhan kebutuhan masyarakat. Ketiga, persamaan dan perbedaan pemikiran Yusuf Qardhawi dan Sahal Mahfudh dalam pemberdayaan ekonomi melalui zakat produktif. Persamaan dan perbedaan  pemikiran keduanya terdapat pada latar belakang, gagasan pokok, pelaksana, sasaran, batas standar, dan langkah dalam pemberdayaan ekonomi. 
Inacoin Cryptocurrency Analysis: An Islamic Law Perspective Filka Catur Windiastuti; Fauzul Hanif Noor Athief
Journal of Islamic Economic Laws Vol 2, No 2: July 2019
Publisher : Muhammadiyah University Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jisel.v2i2.8585

Abstract

The existence of money makes buying and selling activity easier than the barter system. However, the increasing globalization of the world economy demands speed accelaration, ease and security of financial transactions. The discovery of cryptocurrency provides solution for the current payment system which relies highly on the third party in conducting digital transactions. One of those cryptocurrency products is Inacoin which is originated from Indonesia. Because this cryptocurrency is a contemporary problem that cannot be concluded directly from the classical fiqh book, a thorough investigation is needed to obtain the validity of this money from Islamic perspective. This research is a qualitative research that uses multimethod of normative-empirical Islamic law perspective in discussing the aforementioned problem. This study concluded that the existence of Inacoin cannot be accepted as money since there are Islamic requirements or criteria that are not met. In addition, the use of Inacoin is mostly for trading commodity, not as money. The Inacoin trade is legitimate but unlawful, because Inacoin has fulfilled the pillars and requirements of the Al-Ṣarf, yet contradicted some Islamic principal such as maisir, gharar, and possibility of harming its user
Cash Flow Analysis of Mosques in Surakarta Residence, Indonesia Fauzul Hanif Noor Athief; Anissa Hakim Purwantini; Hafizah Abdul Rahim
IQTISHODUNA: Jurnal Ekonomi Islam Vol 11 No 1 (2022): April
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (934.013 KB) | DOI: 10.54471/iqtishoduna.v11i1.1140

Abstract

Mosques have the potential to become the center of Muslim activities. This potential can be realized if the administrator can make attractive activities with the right allocation of funds. However, the absence of income and expenditure mapping based on cash flow statements affects the budgeting of planning activities. The research aims to map the cash flow to discover the budgeting possibility of the mosque. The research will be done by initially revealing the source of income and expenditure of the mosque as well as its general cash flow. By using the sample of mosque reports from each sub-district in Surakarta, this study would review the monthly financial statements of the mosques from 2016 to 2019 using content analysis. The research concluded that making budgeting out of the cash flow mapping is possible but vague since there is no clear pattern of both revenue and expenditure. Each type of mosque had a different composition of income, with Friday Shadaqah as the most significant domination for 57%. On the expense side, the Regular Expenses, Other Expenses, and Development Expenses, each contributed 1/3 of the total outcome for all types of a mosque.
Sejarah Munculnya Disiplin Ilmu dalam Islam Fauzul Hanif Noor Athief
Islamika : Jurnal Ilmu-Ilmu Keislaman Vol. 19 No. 02 (2019): Islamika : Jurnal Ilmu-ilmu Keislaman
Publisher : Lembaga Penelitian dan Pengabdian pada Masyarakat, Institut Agama Islam Negeri (IAIN) Kerinci, Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32939/islamika.v19i02.386

Abstract

Salah satu faktor utama penyebab kemajuan suatu peradaban adalah ilmu. Maka, Islam yang berjaya hingga belasan abad juga banyak mempunyai khazanah keilmuan yang mewarnai masa gemilang tersebut. Tentunya menjadi hal menarik untuk mencari akar kemunculan berbagai macam disiplin ilmu yang bahkan hingga saat ini terus dipelajari dan dilestarikan. Dengan menggunakan model penilitian kepustakaan serta pengolahan data secara deduktif, penulis mencoba mengeksplorasi sejarah keilmuan dalam Islam. Penulis mendapati bahwa pada dasarnya setiap keilmuan mempunyai sejarah kemunculannya masing-masing. Namun, tidak bisa dielakkan bahwa kesemuanya mempunyai irisan yang sama, yaitu bertujuan untuk dapat lebih memahami wahyu yang diturunkan kepada umat Islam. Maka, tafsir terbentuk untuk memahami Alquran. Hadis ilmu hadis terbentuk untuk membantu menafsirkan Alquran serta Hadis Nabawi sendiri. Fikih, Usul Fikih serta ilmu bahasa menjadi alat yang juga membantu memahami serta menjabarkan Alquran dan Hadis. Kemudian ada juga ilmu ‘aqliyah yang tujuannya juga membantu menguatkan posisi Islam dalam ranah keilmuan secara umum.
Indonesian Consumers’ Intention of Adopting Islamic Financial Technology Services Anissa Hakim Purwantini; Fauzul Hanif Noor Athief; Faqiatul Mariya Waharini
Shirkah: Journal of Economics and Business Vol 5, No 2 (2020)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (992.94 KB) | DOI: 10.22515/shirkah.v5i2.304

Abstract

With the rise of Halal Lifestyle in the digital era, Islamic Financial Technology (henceforth FinTech) has increasingly become impactful to economic growth. Islamic FinTech companies are in a dire need to figure out factors that influence the adoption and acceptance of the technology to promote their business. Addressing the issue, this study examines consumers’ intention of using Islamic Fintech services. An online survey was employed to elicit the required data from 75 Indonesian consumers of Islamic FinTech services. The results of data analysis by means of SEM-PLS depicted that perceived usefulness and interpersonal influence were two key factors driving the consumers to use Islamic FinTech services. The results further revealed that compatibility positively influenced perceived usefulness and perceived ease of use, which in turn, affected the consumers’ attitude. Moreover, it was also noted that attitude and internet self-efficacy as perceived behavioral control in decomposition of theory of planned behavior had no significant impact on consumers’ intention. The results of this study theoretically provide a basic model of consumers’ intention in the context of Islamic FinTech. At the same time, FinTech industry users can use the results of the present study as references to come up with appropriate strategy to deal with the market needs.
Co-Authors Adityo Wiwit Kurniawan Afief El Ashfahany Agustina, Ricka Akhtiar, Muhammad Najid Al Afif, Rafiq Azzam Angga Aprilio Prabowo Annisa ul Lathifah Arum Brawijaya Putri Azhar Alam Bela Septiana Wahyu Priyadika Boby Habibi Dewi Nur Utari Dewi Permata Sari Dewi Permata Sari Dewi Puspitaningrum Dhidhin Noer Ady Rahmanto Dzaky Adam Thamrin Erland Sakti Anindito Putra Faqiatul Mariya Waharini Faris Shalahuddin Zakiy, Faris Shalahuddin Filka Catur Windiastuti Habibi, Boby Hafizah Abdul Rahim Hassan, Fauziah Imron Rosyadi Isman Iva Faizah Izzah, Luthfiyyah Nurul Jadidah, Wanti Nur Khaira Gina Yuda Jakti Linda Isma Cahyaningrum Lukman Hakim Lukmanul Hakim Luthfiyyah Nurul Izzah Maulidyah Indira Hasmarini Mega Atika Mohammad Aulia Rachman Mohd Noh, Mohd Shahid Bin Mohd Shahid Bin Mohd Noh Muhammad Abdul Aziz Muhammad Iqbal Fasa Muhammad Nurcholis Muslimah, Ashri Ainin Bashiri Nihayatul Masthuroh Nur Faizah, Annisa Nurul Latifatul Inayati Pratwindya, Arum Purwantini, Anissa Hakim Putri, Arum Brawijaya Rachman, Mohammad Aulia Resti Hedi Juwanti Ricka Agustina Sausan Liski Aulia Suharto Suharto Thamrin, Dzaky Adam Ulin Nuha Veronika Candra Dewi Waharini, Faqiatul Mariya Windiastuti, Filka Catur Yayuli Yayuli Yayuli