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All Journal Jurnal Manajemen Terapan dan Keuangan Al-Tahrir: Jurnal Pemikiran Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Jurnal At-Tibyan: Jurnal Ilmu Alqur’an dan Tafsir Ganaya: Jurnal Ilmu Sosial dan Humaniora AT-TURAS: Jurnal Studi Keislaman Buletin Ilmiah Nagari Membangun Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance MABIS: Manajemen dan Bisnis Jurnal Living Hadis Academy of Education Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Sains dan Teknologi Ilomata International Journal of Management Jurnal Ilmiah Akuntansi Kesatuan SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL JEKPEND Jurnal Ekonomi dan Pendidikan Aghniya: Jurnal Ekonomi Islam Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Ilomata International Journal of Management Quantitative Economics and Management Studies Management of Zakat and Waqf Journal (MAZAWA)) International Journal of Finance Research Journal La Sociale International Journal of Multi Discipline Science (IJ-MDS) JURNAL MANAJEMEN AKUNTANSI (JUMSI) Humantech : Jurnal Ilmiah Multidisiplin Indonesia INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Journal of Indonesian Management INVENTION: Journal Research and Education Studies Islamiconomic: Jurnal Ekonomi Islam MAP Observer: Jurnal Penelitian Administrasi Publik Balance : Jurnal Akuntansi dan Manajemen Bursa : Jurnal Ekonomi dan Bisnis Educational Journal of Islamic Management (EJIM) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economics Lariba Jurnal Ekonomika Manajemen Dan Bisnis Moneter : Jurnal Keuangan dan Perbankan Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Jurnal Sosial, Politik dan Budaya (SOSPOLBUD) Journal of Economics and Management Scienties International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) GEMAH RIPAH: Jurnal Bisnis Journal of Education Religion Humanities and Multidiciplinary IIJSE Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen Majapahit Journal of Islamic Finance dan Management El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam JER Hudan Linnaas: Jurnal Ilmu Sosial dan Humaniora Al-bank: Journal of Islamic Banking and Finance Journal of Ekonomics, Finance, and Management Studies INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Studi Islam dan Sosial Jurnal Ekonomi dan Bisnis
Rahmi Syahriza, Rahmi
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Product Excellence in Islamic Financing at Bank Pembiayaan ‎Rakyat Syariah (BPRS) Al-Washliyah Medan Sabila, Sarah; Syahriza, Rahmi; Harianto, Budi
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.619

Abstract

The growth of Islamic banking in Indonesia has encouraged the emergence of various ‎financing products with competitive advantages compared to conventional banking. ‎One such example is the Bank Pembiayaan Rakyat Syariah (BPRS) Al-Washliyah Medan, ‎which offers a wide range of products based on Islamic contractual principles (akad ‎syariah). This research stems from the need to understand the distinctive advantages of ‎Islamic financing products offered by the bank and to assess the factors influencing ‎customers’ preferences for specific products. The study employs a qualitative method ‎with a field research approach. Primary data were obtained through interviews with ‎BPRS Al-Washliyah Medan employees, while secondary data were collected from ‎supporting documents and relevant literature. The aim of this study is to analyze the ‎strengths of Islamic financing products at BPRS Al-Washliyah Medan—particularly ‎those based on contracts such as murabahah, mudharabah, musyarakah, ijarah, qardh, ‎salam, and istisna—and to explore the factors shaping customer preferences for these ‎products. The findings reveal that murabahah is the most preferred product due to its ‎installment certainty and simple procedures, while other products such as mudharabah ‎and musyarakah are perceived as more complex. Flexibility, transparency, and spiritual ‎value grounded in Islamic principles have been proven to enhance customer trust. The ‎contribution of this research lies in providing insights for Islamic banking practitioners ‎in developing product strategies and serving as an academic reference to strengthen ‎the literature on customer preferences for Islamic financing products at the local level.‎
Analysis of the Implementation of Good Corporate Governance (GCG) Principles to Improve Service Quality at Bumiputera Syariah Life Insurance Company Putri, Indry_Anggraini; Syahriza, Rahmi; Rahma, Tri Inda Fadhila
International Journal of Finance Research Vol. 4 No. 4 (2023): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijfr.v4i4.1603

Abstract

In the case of PT AJB Bumiputera 1912, special restrictions are needed because insurance is different from a business established as a PT. This is where the difference is clear: in a PT, this is not always the case, but in a joint venture, the policy will inevitably also seek company investors. This feature involves legal risks as it requires each investor to accept liability for the company incurring losses. As a result, AJB Bumiputera's policyholders are responsible for any business activities that contain the risk of loss and are entitled to a portion of the company's income. The implementation of good corporate governance (GCG) at AJB Bumiputera is the subject of this research. The research method used in this study is qualitative. The findings of this study show that although AJB Bumiputera has tried to implement GCG principles (such as accountability, openness, and fairness), AJB Bumiputera has not implemented it optimally, in other words, the implementation has not been effective.  
INTEGRATING QUR'ANIC ETHICS WITH SDGS: A THEMATIC STUDY OF SURAH AL-BAQARAH VERSES 30 AND 275-279 Sari, Nurma; Tarigan, Akmal; Syahriza, Rahmi; Fauziah, Cut
Jurnal At-Tibyan: Jurnal Ilmu Alqur'an dan Tafsir Vol 10 No 1 (2025): Volume 10 No. 1 June 2025
Publisher : The Department of the Qur'anic Studies, Faculty of Ushuluddin, Adab, and Da'wah, State Institute of Islamic Studies (IAIN) Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/at-tibyan.v10i1.10846

Abstract

The Qur'an as a guide to life for Muslims offers universal guidance that covers various aspects of life, including economic development and social sustainability. Surah Al-Baqarah verse 30 and verses 275-279 are ethical theological foundations in building governance that is fair, sustainable, and free from economic injustice. The Qur'anic approach to human development is not only normative but also provides practical solutions. The prohibition of usury, the recommendation of zakat, infaq, sadaqah, and human responsibility as khalifah are integral mechanisms to create inclusive and sustainable development. Therefore, this study aims to examine the relationship between the values contained in Surah Al-Baqarah verses 30 and 275-279 with the goals of SDGs by using a thematic interpretation approach. The results show that achieving the SDGs requires the integration of spiritual values, as taught in the Qur'an, to complement technical and economic approaches. Therefore, the Qur'an can be the main reference in addressing various global issues through a holistic approach that incorporates ethics.
The Influence of Public Literacy Level, Brand Image, and Service Quality on Customer Satisfaction in Life Insurance Products: A Case Study of the PT Prudential Prestasi Agency Binjai Irawan, Deni; Nasution, Juliana; Syahriza, Rahmi
Electronic Journal of Education, Social Economics and Technology Vol 6, No 2 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i2.1148

Abstract

This study will look at how public literacy, brand image, and service quality affect customer satisfaction at PT Prudential Prestasi Agency Binjai. A quantitative method was used, with 60 respondents completing surveys and evaluating the data using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software.  The findings demonstrate that public literacy and service quality have a favorable and considerable impact on consumer satisfaction, whereas brand image has no meaningful influence.These findings show that financial awareness and service experience are more important in determining happiness than brand impression alone. The practical implication emphasizes the need to enhance financial education and optimize customer service quality to strengthen loyalty and improve overall satisfaction within the insurance industry.
Tinjauan Maqashid Syariah terhadap Penyelesaian Klaim Produk Asuransi Jiwa Brilliance Hasanah Sejahtera di PT. Sun Life Financial Indonesia Cabang Medan Indriani, Rizki; Sudiarti, Sri; Syahriza, Rahmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 4 No. 6 (2023): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v4i6.303

Abstract

This study aims to determine the process of resolving claims for the Brilliance Hasanah Sejahtera product and to review it from the Maqashid Syariah aspect. The type of research used is descriptive research with a qualitative approach, namely research that provides an overview of the situation being studied in the form of a narrative description. The conclusion of this study is that the settlement of Brilliance Hasanah Sejahtera life insurance claims is in accordance with the specified conception which consists of notification of claims, submission of claim files, investigation of claim files, and payment of claims. Then in the process of settlement of Brilliance Hasanah Sejahtera life insurance claims in terms of maqashid sharia aspects, PT Sun Life Financial Indonesia Medan branch has realized maqashid sharia in the aspects of hifzh ad-din (property protection) and social benefit. The forms of hifzh ad-din (property protection) in the settlement process for Brilliance Hasanah Sejahtera life insurance claims at PT Sun Life Financial Indonesia Medan branch are: the false. Second, the management of claim funds in the form of tabarru funds is issued with sharia values ​​and does not contain elements of usury. Third, the administration of fund claims can be quickly provided to customers because the investigation of claims submission is carried out in a fast, responsive and strict procedure so that handling feels safe for customers and the company. And fourth, claims for payment of funds are made by transferring to each customer's account, so there is no need to worry about fraud or elements of gharar. However, the hifzh ad-din (property protection) aspect in the claim settlement process cannot be separated from other aspects of maqashid sharia which include hifzh ad-din (religious protection), hifzh an-nafs (life protection), hifzh al-aql (protection of reason) and hifzh an-nasl (protection of offspring) because all aspects of maqashid sharia influence one another. In the realization of the benefit of the existing maqasyid sharia values, the level lies at the first level, namely dharuriyat. Keywords : maqashid syariah, claims, life insurance, brilliance hasanah sejahtera.
Analisis Penerapan Biaya Kontribusi dan Klaim pada Produk Asuransi jiwa Syariah di PT. Sun Life Financial Syariah Medan Zainta, Santri Yani; Ulfa, Nadia; Nasution, Rahma Wulan Suci; Syahriza, Rahmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 4 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i4.916

Abstract

PT Sun Life Financial Sharia Plays an active role in developing income contribution (premium) nationally. The purpose of this study is to analyze how application of contribution cost and claims on syariah life insurance products at PT Sun life financial syariah Medan. This study uses aqualitative method to produce descriptive da in the form of observation, interviews, wrtten or oral words about people and the observable behavior. The results of this study indicate that application of contribution cost and claims collected from contribution payments will be divided into several parts namely being used for insurance benefits in the form of funds used as gurantor if there is the riskof participants, as the contribution cost of tabaru which is used for risk insurance funds for syariah insurance participants, and as coverage that will be managed by 2 (two) syariah products in the form of Salam Hijrah Amanah Insurance and Salam Hijrah Investa Insurance. Keywords: Syariah Insurance, Contribution, Claims
Analisis Faktor-Faktor Komplain Yang Mempengaruhi Klaim Nasabah pada PT. Sunlife Finansial Cabang Medan Lubis, Tasya Fauza; Syahriza, Rahmi
Jurnal Manajemen Akuntansi (JUMSI) Vol 1, No 4: 2021
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v1i4.2609

Abstract

This study aims to analyze the complaints factors that affect customer claims at PT. Sunlife Financial Medan branch. This research was conducted to find out the causes of complaints to customers, to find out the forms and types of complaints that occurred to customers. This research data uses descriptive and qualitative methods which include collecting data, conducting interviews and conducting observations. from the results of this study it will be found the factors that cause complaints of claims that occur to customers at PT. Sunlife financial Medan branch.
ANALISIS IMPLEMENTASI TANGGUNG JAWAB SOSIAL DAN LINGKUNGAN DALAM PROGRAM EDUKASI PILAH SAMPAH: PERSPEKTIF MANAJEMEN RISIKO PADA PT PELINDO MULTI TERMINAL Chairane, Chairane; Nurlaila, Nurlaila; Syahriza, Rahmi
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 04 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i04.49269

Abstract

Penelitian ini bertujuan menganalisis implementasi program Tanggung Jawab Sosial dan Lingkungan (TJSL) oleh PT Pelindo Multi Terminal Belawan dalam perspektif manajemen risiko, dengan studi kasus Program Edukasi Pilah Pilih Sampah Sejak Dini. Pendekatan penelitian yang digunakan adalah kualitatif deskriptif dengan metode studi kasus. Data diperoleh melalui wawancara mendalam terhadap delapan informan yang terdiri dari pihak manajemen TJSL, kepala sekolah, dan mitra komunitas, serta dilengkapi dengan observasi lapangan dan dokumentasi. Hasil penelitian menunjukkan bahwa program ini dirancang untuk meningkatkan kesadaran lingkungan siswa melalui sosialisasi, penyediaan infrastruktur pemilahan sampah, dan pendampingan berkelanjutan. Identifikasi risiko meliputi rendahnya kesadaran lingkungan, keterbatasan infrastruktur pengelolaan sampah, dan potensi resistensi dari pihak sekolah. Strategi mitigasi yang diterapkan meliputi penguatan akuntabilitas, transparansi, partisipasi stakeholder, serta sinergi dengan regulasi dan norma internasional. Integrasi prinsip ISO 26000 dalam pelaksanaan program terbukti dapat membantu perusahaan mengelola risiko sosial dan lingkungan secara lebih efektif. Penelitian ini menegaskan bahwa TJSL yang terstruktur dan selaras dengan kerangka manajemen risiko dapat berfungsi sebagai strategi preventif untuk menjaga keberlanjutan perusahaan dan hubungan harmonis dengan masyarakat.
Audit Manajemen Sumber Daya Manusia Untuk Menilai Efektivitas Kinerja Karyawan Qoyum, Muhammad; Rahmani, Nur Ahmadi Bi; Syahriza, Rahmi
Balance : Jurnal Akuntansi dan Manajemen Vol. 2 No. 3 (2023): Desember 2023
Publisher : Lembaga Riset Ilmiah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59086/jam.v2i3.361

Abstract

Penelitian ini bertujuan untuk dapat diketahui seberapa efektivitas pengelolaan SDM (Human Resource), untuk kemudian dapat berkontribusi merekomendasikan saran atas ditemukannya kelemahan pada PT. Ivana Mery Lestari Matras. Serangkaian aktivitas sumber daya manusia diantaranya: perencanaan, pelatihan dan pengembangan, evaluasi kinerja, keterkaitan (hubungan) ketenagakerjaan, keselamatan dan kesehatan kerja, kebijakan kesehatan, kepuasan kerja, dan pemutusan hubungan kerja. Penelitian analisis deskriptif kualitatif dengan perolehan data melalui pengobservasian, wawancara, dan dokumentasi, mendukung proses penelitian ini. Data dianalisis dengan membandingkan keadaan, kualifikasi, penyebab dan akibat, setelah itu akan dinilai seberapa efektif  fungsi sumber daya manusia yang ada. Hasil akhir penganalisisan menampilkan jika hubungan ketenagakerjaan dan PHK (Lay Off) berhasil dilaksanakan secara efektif. Dan yang belum dijalankan dengan efektif meliputi human resource planning, training or workshop and development, perancangan evaluasi kinerja serta pemberian pertanggungan atas perlindungan karyawan. This research aims to find out how effective HR (Human Resource) management is, so that it can then contribute to recommending suggestions for the discovery of weaknesses in PT. Ivana Mery Lestari Mattress. A series of human resource activities include: planning, training and development, performance evaluation, employment relationships, occupational safety and health, health policies, job satisfaction and termination of employment. Qualitative descriptive analysis research with data acquisition through observation, interviews and documentation, supports this research process. Data is analyzed by comparing conditions, qualifications, causes and effects, after which it will be assessed how effectively the existing human resources function. The final results of the analysis show that the employment relationship and layoffs have been implemented effectively. And what has not been implemented effectively includes human resource planning, training or workshops and development, designing performance evaluations and providing coverage for employee protection.
The Influence of Human Development Index and Gross Regional Domestic Product on Poverty in Medan City With Zakat Funds As a Moderation Variable Fadila, Sheila; Arif Lubis, Fauzi; Syahriza, Rahmi
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 3 (2024): Dinasti International Journal of Economics, Finance & Accounting (July - August
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i3.3070

Abstract

This research aims to determine the influence of the Human Development Index (HDI) and Gross Regional Domestic Product (GRDP) on poverty in Medan City, with zakat funds as a moderating variable. The research method uses a quantitative approach with the help of the Eviews 9 program. Secondary data was obtained from the Central Statistics Agency (BPS) and BAZNAS in Medan. The research results show that: HDI has no effect on poverty, GRDP has no effect on poverty, HDI and GRDP have an effect on poverty, zakat funds can moderate the relationship between HDI and poverty, zakat funds can moderate the relationship between GRDP and poverty, and zakat funds can moderate the relationship between HDI, GRDP and poverty.
Co-Authors Abdul Rahman Addina, Chessara Afriani, Lilia Ahmad Syakir Alfauziah, Halimah Safitri Amini, Salisa Andiyanto, Sakti Anggela Pradiva Putri Anggrie NST, Silvia Aprilia, Dita Aqilah, Rakha Arifin Fauzi Lubis Ariska, Ella Arsyaf Tampubolon Aryani, Isti Ashaari, Taslam Asrar Mabrur Faza, Asrar Mabrur Atika, Febri Aulia, M. Azhari Akmal Tarigan Batubara, Maryam Batubara, Soraya Alyya Syam Budi Harianto, Budi Chairane, Chairane Cut Fauziah Dalimunthe, Afifah Khairiah Daniel Happy Putra Deni Irawan, Deni Dhian Rosalina, Dhian Dongoran, Rahmah Nur Efriady Siregar, Sahnan Elida Asma Hari, Siti Nur Ernawati, Erin Fachrina, Rifka Fachrozie, Ridho Fachry Abda El Rahman Fadhila Rahma, Tri Inda Fadila, Sheila Fadilah, Alniatul Fahnisa, Fahnisa Faisal Akbar Nasution Fauzi, Said Ihsan Firmanita, Firmanita Fuadi Tanjung, Ahmad Hafnisa, Hafnisa Haq, Zhiaul Harahap, Alwi Padly Harahap, M. Ikhsan Harahap, Miftah Rizki Addin Harahap, Muhammad Ikhsan Harahap, Nur Dalilah Harahap, Rahmat Daim Harahap, Sinta Lestari Hasanah, Selfi Ulfa Hasibuan, Adelia Hasibuan, Reni Ria Armayani Hendra Harmain Hidayat Nasution, Muhammad Taufik Ilham Habibi, Ilham Imran, Buhari Imsar Imsar, Imsar Inda Fadhila Rahma, Tri Indradewa, Rhian Indriani, Rizki Irdayanti, Nadila Ismail K, Kamilah Kamilah, Kamilah Kaspia, Yola Kusmilawaty, Kusmilawaty Lubis, Dini Syafitri Lubis, Fahmi Husaini Lubis, Riska Amalia lubis, Safiah Saffa Lubis, Tasya Fauza M. Ridwan Maisyaroh, Elvira Maisyaroh, Tetti Manik, M. Bay Hakqi Marliyah, Marliyah Maulida, Tasya Meutia Dewi, Meutia Mingka, Asrawi Fahmi Muhammad Arif Muhammad Fahmi Amrullah, Muhammad Fahmi Muhammad Habibi Siregar, Muhammad Habibi muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Umar Maya Putra Munir, Muhammad Syamsul Mustapa  Khamal  Rokan N. Nurjanah Nabila, Dara nafisah, nur Naser Daulay, Aqwa Nasution, Alya Mahpuja Nasution, Ferdi Dermawan Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Rahma Wulan Suci Nasution, Rahman Ali Nazmi, Khairin Nur Marpaung, Deri Arifin Nuraini Nuraini Nuri Aslami Nurlaila Nurlaila Nurma Sari, Nurma Nursa'idah, Nursa'idah Nursafira, Adela Nursantri Yanti Nurul Inayah Nurul Jannah Pasaribu, Yogi Oriena Prasetyo, Iin Putri, Anysa Putri, Hanifah Restu Putri, Indry_Anggraini Putri, Naswa Aldira Qoyum, Muhammad Rahma, Tri Inda Fadhila Rahman, Diba Nur Rahmani, Nur Ahmadi Bi Raihana, Rika Ramadani, Novira Reska, Ainun Rifana, Muhammad Rifqi, Moch Rizfani Riska, Elvina Rispan, Rispan Romadhon , Fauzi Ahmad Rorizki, Fitri Saifullah Saifullah Sambas, Ihsan Santri Yanti, Nur Sarah Sabila, Sarah Sari, Sekar Sastika, Mila Sihite, Masdinar Silaen, Lena Mardiana Silalahi, Purnama Ramadani Sindi, Sindi Sinulingga, Nabila Oktarina Siregar, Syafrudin Hanafi Siti Aisyah Siti Khodijah Sitorus, Nurbaina Junita Soemitro, Andi Sri Lestari sri sudiarti Subambang Harsono Suci Ardi, Amalia Ramadhani Sugianto Sugianto Suhairi Suhairi Surbakti, Agung Grafika Surbakti, Putri Filza Salsabila Sutoyo, Yongki Syahfitri, Mulia Syahfitri, Rina Syahrizal Syakir, Ahmad Tanjung, Ayu Wulandari S. Tarigan, Akmal Tuti Anggraini Ulfa, Nadia Utami Zebua, Indah Sri Yani Hasibuan, Ary Ahmad Yani, Misri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yusrizal Yusrizal Zainta, Santri Yani Zuhrinal M. Nawawi Zulfitri Zulfitri, Zulfitri ‘Aisyi, Luthfiyyah Rahadatul