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All Journal Value Added : Majalah Ekonomi dan Bisnis Jurnal Mirai Management SEIKO : Journal of Management & Business JURNAL PENDIDIKAN TAMBUSAI YUME : Journal of Management Sarwahita : Jurnal Pengabdian Kepada Masyarakat MANAJEMEN DEWANTARA Administraus Jurnal Ilmu Administrasi dan Manajemen Bisman (Bisnis dan Manajemen): The Journal of Business and Management MOTIVASI Jurnal Manajemen dan Bisnis Jurnal Pengabdian kepada Masyarakat Nusantara Economics and Digital Business Review El-kahfi : Journal of Islamic economics juremi: jurnal riset ekonomi Transekonomika : Akuntansi, Bisnis dan Keuangan JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Implementasi Manajemen & Kewirausahaan JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Indonesian Journal of Social and Educational Studies Sinomika Journal: Publikasi Ilmiah Bidang Ekonomi dan Akuntansi Journal of Management and Digital Business Seminar Nasional Pengabdian Kepada Masyarakat Journal of Applied Management Research Bulletin of Management and Business CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Journal of Management, Accounting, General Finance and International Economic Issues (MARGINAL) Journal of Innovation in Management, Accounting and Business Gema Wisata Optimal: Jurnal Ekonomi dan Manajemen Jurnal Manajemen dan Bisnis Kompeten: Jurnal Ilmiah Ekonomi dan Bisnis Economics and Business Journal Journal of Artificial Intelligence and Digital Business Jurnal Penelitian Ekonomi Manajemen dan Bisnis Jurnal Manajemen Jurnal Bisnis Kolega Jurnal Manajemen Riset Inovasi Teknovokasi : Jurnal Pengabdian Masyarakat Journal of Management and Creative Business Seminar Nasional Hasil Penelitian LP2M UNM Indo-Fintech Intellectuals: Journal of Economics and Business Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) Trending: Jurnal Manajemen dan Ekonomi Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Manajemen Jurnal Riset Akuntansi Jurnal Riset Rumpun Ilmu Sosial, Politik dan Humaniora (JURRISH) (JIMBE) (JUMPER) Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Riset Ilmu Manajemen Bisnis dan Akuntansi Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Ininnawa: Jurnal Pengabdian Masyarakat Jurnal Ekonomi dan Bisnis Mutiara: Jurnal Penelitian dan Karya Ilmiah Jurnal Kemitraan Responsif untuk Aksi Inovatif dan Pengabdian Masyarakat INTERNATIONAL JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (INJOSS) Journal of Information Systems Management and Digital Business INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Southeast Asia Journal of Business, Accounting, and Entrepreneurship Journal of Innovative and Creativity Journal of International Multidisciplinary Research Jurnal Inovasi Manajemen, Kewirausahaan, Bisnis dan Digital MAXIMAL Jurnal Manajemen Kewirausahaan dan Teknologi Kolaborasi: Jurnal Hasil Kegiatan Kolaborasi Pengabdian Masyarakat IJHABS J-CEKI Jurnal Ekonomi, Manajemen, Akuntansi Journal of Studies in Academic, Humanities, Research, and Innovation META - JOURNAL
Andi Mustika Amin
Program Studi Manajemen, Fakultas Ekonomi Dan Bisnis, Universitas Negeri Makassar
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Public Health Social Sciences Other

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From Cash to Code: The Cultural Meaning of Financial Literacy among Women Traders in Makassar’s Traditional Markets Amin, Andi Mustika
Journal Management & Economics Review (JUMPER) Vol. 3 No. 3 (2025): September
Publisher : Malaqbi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jumper.v3i3.716

Abstract

This qualitative phenomenological study explores how women traders in Makassar’s traditional markets experience and reinterpret financial literacy amid the cultural transition from cash-based to digital transactions. Drawing on in-depth interviews, participant observation, and focus group discussions across three major markets, the research conceptualizes financial literacy not merely as technical knowledge but as a relational and embodied practice rooted in trust, tactility, and moral economy. Findings reveal four major themes: (1) Tangibility and Embodiment of Value, where cash serves as sensory proof of labor and integrity; (2) Hybrid Trust Architectures, in which kinship and intergenerational mediation bridge confidence in digital systems; (3) Socially Situated Learning, where collective teaching through peer exchange sustains adaptive financial practices; and (4) Moral Reframing through Digital Visibility, where transaction records acquire new ethical significance as tools of proof and accountability. The study demonstrates that financial literacy evolves through communal learning, affective relationships, and moral negotiation, rather than through formal instruction alone. It argues that policies and fintech initiatives promoting financial inclusion must integrate cultural sensitivity, strengthen social mediators, and respect tactile economies to ensure sustainable adoption. Ultimately, the transition “from cash to code” represents not only a technological shift but a redefinition of value, trust, and moral responsibility in Makassar’s local markets.  
Literasi Keuangan Digital Umkm Yang Dipimpin Perempuan Di Makassar: Studi Kasus Di Sektor Pangan Amin, Andi Mustika
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 3 No 4 (2025)
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v3i4.751

Abstract

Transformasi ekonomi digital telah menciptakan peluang sekaligus risiko bagi UMKM pangan yang dipimpin perempuan di Makassar, terutama terkait kemampuan mengelola transaksi dan informasi keuangan berbasis aplikasi. Penelitian ini mengkaji bagaimana literasi keuangan digital terwujud dalam praktik sehari-hari melalui pendekatan kualitatif studi kasus yang melibatkan wawancara, observasi, dan analisis artefak digital dari 15 pelaku usaha. Temuan menunjukkan bahwa literasi keuangan digital bersifat multidimensional—memadukan pengetahuan teknis, pemahaman biaya, manajemen risiko, dan integrasi pencatatan digital. Faktor sosial seperti dukungan jejaring arisan, rekomendasi rekan, serta komunitas WhatsApp menjadi pendorong utama adopsi awal, sementara hambatan struktural mencakup biaya data, beban domestik, dan ketidakcocokan pelatihan dengan jadwal kerja perempuan. Persepsi risiko dan kecocokan tugas-teknologi turut membentuk pola adopsi, diperkuat oleh sensitivitas terhadap regulasi dan transparansi biaya. Penelitian ini menegaskan pentingnya intervensi literasi yang kontekstual, partisipatif, dan berorientasi kebutuhan, serta perlunya kolaborasi lintas sektor untuk menyediakan layanan digital yang aman, terjangkau, dan relevan bagi UMKM perempuan di sektor pangan.  
Micro-finance Access for Women Entrepreneurs in Makassar: A Phenomenological Study of Barriers and Survival Strategies Amin, Andi Mustika
International Humanity Advance, Business & Sciences Vol 3 No 2 (2025): October
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/ijhabs.v3i2.750

Abstract

This study examines how women entrepreneurs in Makassar negotiate access to and use of microfinance in a limited socio-economic environment, using a humanistic economic perspective to promote dignity, agency, and relational outcomes. Qualitative interviews reveal that while microcredit supplies the short—term liquidity essential for day-to-day operations, formal lending is constrained by collateral demands, procedural complexity, the gender asset gap, and time poverty-forces that drive many women toward informal lending, Diversified Income Strategies, and emerging digital channels. Evidence from digital finance and platform research suggests that successful FinTech adoption depends on trust, usability, security, and perceived value, which shape whether digital options complement or replace conventional microfinance in local contexts. Field experiments on online mentoring show that carefully designed digital interventions can increase women's willingness to engage with mentor networks, but effective connections require platform support and user learning that reduces onboarding friction and builds trust. Complementary policy tools-small matching grants, time-saving subsidies (eg, childcare), and targeted business advisors-have been shown to reduce information and time constraints, increase formal credit acceptance, and improve corporate performance among female entrepreneurs, especially those with prior experience. Together, these findings argue for an integrated policy package that streamlines formal lending, embeds relational support and capability development, and leverages trustworthy digital interfaces so that microfinance improves economic resilience and human dignity for women-led microenterprises in Makassar. 
Modal Sosial dan Mekanisme Pembiayaan Informal UMKM yang Dipimpin Perempuan di Makassar: Pendekatan Mikro-Etnografi Amin, Andi Mustika
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 1 (2025): Oktober
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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

Abstract

Penelitian ini mengevaluasi bagaimana modal sosial membentuk ekosistem pembiayaan informal bagi wirausahawan perempuan dalam UMKM Makassar. Melalui pendekatan mikro-etnografi di lima kecamatan dan melibatkan 24 informan, studi ini mengungkap bahwa praktik finansial seperti arisan, pinjaman keluarga, dan rotasi modal berfungsi sebagai infrastruktur ekonomi yang menggantikan agunan formal, mempercepat likuiditas, dan menurunkan biaya transaksi. Temuan menunjukkan peran simultan bonding dan bridging capital dalam membuka akses modal serta memperluas pasar, sementara mekanisme pengawasan moral menjaga kepatuhan tanpa perangkat hukum formal. Digitalisasi mulai memperkuat jejak transaksi, namun risiko literasi dan eksklusi tetap menonjol, terutama bagi pendatang baru dan pelaku tanpa reputasi sosial yang kuat. Hasil penelitian menegaskan bahwa pembiayaan informal bukan sekadar solusi praktis, tetapi sistem yang tertanam dalam norma gender, etika komunitas, dan kedekatan sosial. Studi ini merekomendasikan desain kebijakan hibrid yang menghormati logika lokal sambil memperluas akses menuju sistem finansial formal melalui pencatatan sederhana, literasi digital, dan skema garansi mikro yang sensitif gender.
Financial Agency and Everyday Resilience: A Phenomenological Study of Women Entrepreneurs in Makassar’s Informal Economy Amin, Andi Mustika
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 2 No 6 (2025): August
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v2i6.373

Abstract

This phenomenological study examines how women micro-entrepreneurs in Makassar’s informal economy construct and exercise financial agency amid persistent economic precarity. Grounded in a humanistic economic perspective, the research explores how women navigate financial risk and uncertainty through informal strategies, social capital, and adaptive resilience. Drawing on in-depth interviews, three superordinate themes emerged: (1) The Dual Nature of Social Capital, revealing that trust-based financial networks function simultaneously as safety nets and sources of moral burden; (2) Financial Improvisation as Agency, illustrating how women deploy creative financial practices—such as flexible budgeting and strategic concealment of profits—to retain control and autonomy; and (3) The Temporal Duality of Resilience, emphasizing the continuous oscillation between short-term survival priorities and long-term aspirations in an unstable market context. The findings demonstrate that financial decision-making in Makassar’s informal sector transcends conventional economic rationality, instead reflecting socially embedded, context-specific negotiations of agency and dependence. The study contributes theoretically to the discourse on women’s entrepreneurship by reframing financial agency as an evolving, relational process rooted in everyday resilience rather than formal inclusion. Policy implications highlight the need for human-centered interventions that recognize and strengthen women’s adaptive financial practices, mitigate the hidden costs of social capital, and support sustainable microenterprise growth in Indonesia’s informal economy.
Phenomenology of Bugis-Makassar Mompreneurs Navigating Digital Loans Amin, Andi Mustika
Journal Management & Economics Review (JUMPER) Vol. 3 No. 5 (2025): November
Publisher : Malaqbi Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jumper.v3i5.717

Abstract

This phenomenological study examines how Bugis–Makassar mother-entrepreneurs (mompreneurs) in South Sulawesi, Indonesia, experience and navigate digital loan services. Using Interpretative Phenomenological Analysis (IPA), the research engaged fifteen mompreneurs through in-depth interviews, participant observation, and digital trace analysis to understand their lived experiences with fintech lending. Findings reveal that digital loans represent a dualistic phenomenon—providing crucial business liquidity while simultaneously generating moral anxiety tied to cultural values of siri' (honor) and familial obligations. Participants developed hybrid financial strategies that blend digital borrowing with traditional networks, while algorithmic systems created generational divides in technological adaptation. The study identifies five key themes: immediate business agility, moral-social anxiety, algorithmic impersonality, gendered household negotiation, and collective digital practices. These findings underscore how fintech adoption is mediated through cultural frameworks and social relationships rather than being a purely technical process. The research contributes to developing culturally responsive fintech policies that recognize moral economies and support women's digital financial inclusion through community-centered design.
Inklusi Keuangan Digital Bagi Petani Perempuan Di Wajo: Sebuah Studi Grounded Theory Amin, Andi Mustika
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 3 No 3 (2025)
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v3i3.802

Abstract

The study examines how women farmers in Wajo are adopting digital financial services through a grounded theory approach, focusing on the social, moral, and structural dynamics that shape their financial inclusion practices. Data were collected over five months in 2023 through in-depth interviews, participant observations, and document analysis in three purposively selected villages and then deepened through theoretical sampling. The analysis resulted in four main categories-Instrumental Necessity, Mediated Trust, Moral-Economic Calculus, and Structural Gateways—that collectively build a core process titled “Relational Mediation of Digital Finance."The findings suggest that women's use of digital finance is not merely a technical or economic decision, but rather a social process mediated by family relationships, moral norms, and infrastructure readiness. Trusts are more transacted through intermediaries—children, young relatives, cooperative staff, or village agents-than through the digital platform itself. In addition, moral-economic considerations regarding reputation, religious duty, and social reciprocity were shown to moderate decisions to borrow or save digitally. Structural barriers such as network limitations, identity document mismatch, and application design also affect participation. The study affirms that financial inclusion interventions must be multidimensional-incorporating infrastructure strengthening, culturally contextual product design, and the use of local actors as digital brokers—to improve the acceptability and sustainability of digital financial services for women farmers in rural areas of Indonesia.
Navigating Financial Decision-Making: A Phenomenological Study of Women Entrepreneurs and Cultural Norms in Bugis-Makassar Communities Amin, Andi Mustika
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 2 (2025): December
Publisher : Abadi Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/meta-journal.v3i2.374

Abstract

This study investigates how women entrepreneurs in Bugis–Makassar communities interpret and enact financial decision-making within a cultural landscape shaped by siri’ (honor), sipakatau (mutual respect), and dense kinship networks. Using a phenomenological approach based on in-depth interviews, observations, and field interactions in South Sulawesi, the research uncovers how financial choices are negotiated through culturally embedded logics rather than individual rationality alone. Findings reveal five interconnected patterns: negotiated autonomy, honor-driven financial governance, family-based financial intermediation, cautious innovation, and digitally mediated boundary management. These themes illustrate that women navigate financial decisions by balancing business imperatives with moral expectations, reputational considerations, and relational obligations. The study argues that entrepreneurial finance in this context is relational, moral, and affective, challenging mainstream assumptions about individualistic financial autonomy. The analysis contributes to ongoing debates on women’s entrepreneurship by demonstrating that empowerment must be understood as a negotiated, culturally situated process rather than unilateral resource control. Policy implications include the need for culturally attuned financial programs, small matching grants, digital capability support, and engagement with household decision-makers. The study underscores the importance of aligning financial inclusion initiatives with local value systems to reduce reputational risk and enhance women’s economic agency. It further calls for mixed-methods research to bridge phenomenological insights with scalable measures of norms. Overall, the findings highlight that economic behavior among Bugis–Makassar women is inseparable from identity, reputation, kinship, and evolving digital practices, offering a nuanced lens for designing more effective entrepreneurship and financial inclusion interventions.
Pengaruh Bias Kognitif (Overconfidence dan Loss Aversion) terhadap Keputusan Investasi Ekspansi Modal UMKM di Makassar Amin, Andi Mustika
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 2 (2025): Desember
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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

Abstract

Studi ini bertujuan untuk mengeksplorasi bagaimana bias kognitif, khususnya overconfidence dan loss aversion, memengaruhi keputusan investasi ekspansi modal di kalangan pemilik Usaha Kecil dan Menengah (UMKM) di Makassar, sebuah konteks pasar berkembang di Indonesia. Penelitian ini didorong oleh kenyataan bahwa banyak pemilik UMKM masih sangat bergantung pada intuisi dan heuristik informal dalam pengambilan keputusan berisiko tinggi, yang berpotensi menyimpang dari prinsip keuangan normatif. Penelitian ini mengadopsi desain studi kasus kualitatif dengan menggunakan teknik wawancara mendalam (Critical Incident Technique) pada sepuluh pemilik UMKM dari berbagai sektor di Makassar. Temuan signifikan menunjukkan bahwa overconfidence mendorong pengambilan risiko yang berlebihan dan proyeksi optimistis yang tidak realistis, sementara loss aversion menyebabkan keengganan untuk menghentikan investasi yang gagal (sunk cost fallacy) karena takut mengakui kerugian. Kedua bias ini diperkuat oleh bounded rationality yang membatasi penggunaan alat analisis formal. Interpretasi dan kesimpulan menunjukkan bahwa keputusan investasi UMKM bukan hanya perhitungan ekonomi, tetapi juga proses psikologis yang mendalam, menekankan perlunya intervensi peningkatan kapasitas dan literasi keuangan untuk memitigasi kesalahan berbasis bias demi mencapai pertumbuhan bisnis yang lebih berkelanjutan.
Dampak Finansial Technology dalam Meningkatkan Akses Pembiayaan Kesehatan Bagi UMKM di Kabupaten Bulukumba Inanna, Inanna; Amin, Andi Nurzakiah; Sulolipu, Andi Annisa; Amin, Andi Mustika
Indonesian Journal of Social and Educational Studies Vol 6, No 2 (2025): Indonesian Journal of Social and Educational Studies (Article in Press)
Publisher : Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26858/ijses.v6i2.78956

Abstract

Abstrak. Penelitian ini bertujuan untuk menganalisis pengaruh pemanfaatan teknologi finansial (fintech) terhadap akses pembiayaan kesehatan bagi pelaku Usaha Mikro, Kecil, dan Menengah (UMKM) di Kabupaten Bulukumba. Pendekatan mixed-methods digunakan dengan mengombinasikan data kuantitatif dari 200 responden dan wawancara mendalam dengan 25 informan kunci. Hasil uji chi-square menunjukkan adanya hubungan signifikan antara literasi digital dan kepercayaan dengan penggunaan fintech (p = 0,000 < 0,05). UMKM dengan literasi digital dan tingkat kepercayaan tinggi cenderung lebih aktif memanfaatkan layanan fintech untuk pembiayaan kesehatan. Secara kualitatif, fintech dinilai membantu pelaku UMKM mengakses pembiayaan secara cepat dan praktis, meski masih terdapat kendala seperti biaya tinggi, kurangnya transparansi, serta rendahnya literasi digital. Hasil penelitian menegaskan bahwa fintech memiliki potensi besar dalam memperluas inklusi keuangan dan meningkatkan kesejahteraan pelaku UMKM di Bulukumba. Dukungan dari pemerintah daerah, lembaga keuangan, serta peningkatan literasi digital diperlukan agar pemanfaatan fintech dapat berlangsung secara berkelanjutan dan memberikan manfaat optimal bagi pembiayaan kesehatan UMKM Kata Kunci: Fintech, UMKM, Literasi Digital, Kepercayaan, Pembiayaan Kesehatan
Co-Authors Abadi, Rahmat Riwayat Abadi, Ridfan Rifaldy Abdi Akbar Idris Abdul Rahman Abdullah, Nur Hudaya Agung Widhi Kurniawan Agung Widhi Kurniawan Agung Widhi Kurniawan Akbar, Andi Muhammad Amelia Wijayanti Azis Amin, Andi Nurzakiah Amiruddin Tawe Amiruddin Tawe Amiruddin Tawe Ananda Putri Rahmadani Anastashia Maharani Muhadi Andi Amelia Putri Andi Aryani Hardiyanti Andi Marwah Andi Muhammad Hanif Annisa Paramaswary Aslam Annisa Paramaswary Aslam Anugrah, Fira Anwar Anwar Anwar Anwar Anwar Anwar Anwar , Anwar Anwar Anwar Anwar Anwar Anwar Anwar Anwar Anwar Anwar Anwar Anwar Anwar Anwar Ramli Anwar Ramli Anwar Ramli Anwar Ramli Anwar, Indah Lestari Apriani, Ely Arismaleo, Andi Rifqih Arshi Naisya Wahyuni Aslam, Achmad Yassin Zidan Akram Aslam, Annisa Paramaswary Aslam, Annisa Paramswary Asmin Awalia, Nurilmi Ayu Afrilia Ayu Liyan Pratiwi Baso Erik Batara, Meisy Putri Burhanuddin Burhanuddin Burhanuddin Burhanuddin Burhanuddin Chalid Imran Musa Chalid Imran Musa Chalid Imran Musa Darmawan Natsir, Uhud Darmawinata, Widhi Nugraha Sumiharja Desri Yanti Manalu Dipoatmojo, Tenri Sayu Puspitaningsih Diva Ariska Ananda Dwiyanti, Astri Evi Puspita Sari Fadhil Nur Makkaraeng Hasanuddin Fatmawati Fatmawati Fatwa, Nur Apriani Fausyah, Nur Febinda Firah Nur Rizky Said Haeruddin , M. Ilham Wardhana Haeruddin , Muhammad Ilham Wardhana Hasanuddin, Rismayanti Hasbiah, Siti Hasnidar Hasnidar Hery Maulana Arif Hety Budiyanti Hety Budiyanti Hety Budiyanti Hety Budiyanti Hety Budiyanti, Hety Hety Budiyanty I Komang Mirawardani Ichwan Musa Ilma Wulansari Hasdiansa Inanna, Inanna Ipoatmodjo, Tenri S. P. D Isma Azis Riu Itra Jauhar, Muh. Alif Johnson, Nur Atifah Septira Karmila Kartika Septiary Musa Khadija, Sitti Khairun Umrah Kusnadi, Syafira Luthfi, Abdillah Khofiyal M Ilham Wardhana Haeruddin M. Ikhwan Maulana Haeruddin Maghfirah Sultan, Nurul Maisyaroh, Ummi Malika, Safinah Aisya Marwah, Andi Meliza Meliza Muh Fatwa Baso Muh. Arham Hidayat Muh. Gibran Syahrum Muh. Ichwan Musa Muhammad Idris Muhammad Ilham Wardhana Muhammad Ilham Wardhana Haerudin Muhammad Imaduddin As&#039;ad Muhammad Imaduddin As'ad Muhammad Rafli Muhammad Wahyu, Muhammad Musa, M. Ichwan Musa, Muh Ichwan Musa, Muhammad Ichwan Musfira, Nur Fauziah Musfirah Mushawwir, Shaleh Afief A Nabila Salsabila Suparman Nanda Febry Malangi Natsir, Uhud Darmawan Ngabe Joyti, Devi Adnyaswari Nisaul Husna Ramadhani Ilham Nur Aisyah Nur Apriani Fatwa Nur Intan Pratiwi Nurafni Nurafni Nurasizah Nurasizah Nurfadhilah Azizah, Andi Nurfarhana Nurhayati Nurhayati , Hety Budiyanti Nurhikmah Maharani Nurman Nurman Nurman Nurman Nurman Nurman Nurman Nurman Nurman Nurman Nurman Nursafitri Nursia Bala Nurul Fadilah Aswar Nurul Fauziah Nurul Fauziah Paramaswary Aslam, Annisa Primawalda, Az-zahra Rizqi Putri Rahim, Fitriani Rahmiani Rahmiani Ramadhani, Gina Ramadhani, Khusnul Khatimah Putri Rasmawati, Rasmawati Rauf, Anwar Rezki Amaliah Rezky Amalia Hamka Ridfan Rifadly Abadi Ridho, M. Yunasri Ridwan, Rini Rizky Amelia Riska Rismawati Riu , Isma Azis Romansyah Sahabuddin Ruma, Zainal Sah, Nurul Alfadiza Saiful Satria Satria, Satria Sayyed Muhammad Fikri Assagaf Siti Hasbiah Siti Hasbiah Siti Hasbiah Sitti Hasbiah Sitti Hasbiah Solly Aryza Sriandara Salman Sulolipu, Andi Annisa Syahir Fadli Syahrul, Khaidir Syamsidar Syamsidar Syamsul, Ikhlazhizha Syamsurizal Syamsurizal Tamara Audry Anandika Syahrir Taufiq, Farah Ramadhani Tawe, Amiruddin Tawe, Andi Amiruddin Tenri S.P. Dipoatmodjo Tenri Sayu Puspitaningsih Dipoatmodjo TRI KURNIAWAN, TRI Widhi Kurniawan, Agung Woeichandra, Rachmat Yuliana Yuliana Zainal Ruma Zainal Ruma