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Pengaruh Kompensasi Finansial dan Non Finansial terhadap Loyalitas Karyawan pada PT Bali Hastie Indomalaya Muh. Arham Hidayat; Andi Mustika Amin; Rezky Amalia Hamka; Muhammad Ichwan Musa; Uhud Darmawan Natsir
MANABIS: Jurnal Manajemen dan Bisnis Vol. 4 No. 4 (2025): Desember 2025
Publisher : Yayasan Pendidikan Penelitian Pengabdian Algero

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54259/manabis.v4i4.6082

Abstract

Employe loyalty is a crucial aspect in maintaining the stability and operational effectiveness of a company, especially amidst the ever-evolving dynamics of business competition. Companies are required to manage human resources optimally by providing compensation that is not only financial but also non-financial, as a form of recognition for employe contributions. Both forms of compensation are believed to play an important role in building a sense of belonging, commitment, and employes' willingness to stay with the company. Based on this urgency, this study aims to analyze the influence of financial and non-financial compensation on employe loyalty at PT Bali Hastie Indomalaya, both partially and simultaneously. The research used a quantitative approach with a cross-sectional method, involving 104 employes as respondents who completed closed and open questionnaires. Data analysis was conducted using multiple linear regression thru SPSS software. The research results indicate that financial compensation has a positive and significant effect on employe loyalty. Additionally, non-financial compensation has also been proven to have a positive and significant impact, particularly thru aspects of the work environment, communication, and relationships between employes. Simultaneously, both forms of compensation have a positive and significant impact on employe loyalty. This finding indicates that the combination of material and non-material compensation is very important in building loyalty and work commitment at PT Bali Hastie Indomalaya.
Pengaruh Rasio Likuiditas dan Rasio Profitabilitas Terhadap Harga Saham Pada Perusahaan Subsektor Makanan dan Minuman yang Terdaftar di Bursa Efek Indonesia Periode 2020-2024 Taufik, Finta Anindhita; Musa , Muhammad Ichwan; Amin , Andi Mustika; Ramli , Anwar; Aslam, Annisa Paramaswary
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.4938

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh rasio likuiditas dan rasio profitabilitas terhadap harga saham pada perusahaan subsektor makanan dan minuman yang terdaftar di Bursa Efek Indonesia periode 2020–2024, baik secara parsial maupun simultan. Penelitian ini menggunakan pendekatan kuantitatif dengan desain asosiatif kausal untuk menguji hubungan sebab-akibat antara rasio keuangan dan harga saham. Data sekunder diperoleh dari laporan keuangan tahunan dan data harga saham sepuluh perusahaan subsektor makanan dan minuman selama periode penelitian. Analisis data dilakukan menggunakan regresi data panel dengan Common Effect Model (CEM) melalui perangkat lunak E-Views 12. Hasil penelitian menunjukkan bahwa rasio likuiditas memiliki pengaruh positif dan signifikan terhadap harga saham, yang menandakan bahwa kemampuan perusahaan dalam memenuhi kewajiban jangka pendek meningkatkan kepercayaan investor dan berdampak pada apresiasi harga saham. Sebaliknya, rasio profitabilitas menunjukkan pengaruh negatif dan signifikan terhadap harga saham, yang dapat mengindikasikan adanya persepsi investor terhadap risiko atau ketidakseimbangan antara profitabilitas dan harapan pasar. Analisis simultan menunjukkan bahwa kombinasi rasio likuiditas dan profitabilitas secara bersama-sama berpengaruh signifikan terhadap harga saham, menegaskan pentingnya kedua indikator ini sebagai alat evaluasi kinerja perusahaan bagi investor. Temuan penelitian ini memberikan implikasi praktis bagi manajemen perusahaan dalam mengelola likuiditas dan profitabilitas secara optimal serta bagi investor sebagai dasar pengambilan keputusan investasi yang lebih tepat. Penelitian ini juga menekankan relevansi penggunaan rasio keuangan sebagai sinyal informasi yang dapat membantu memahami dinamika harga saham pada subsektor makanan dan minuman yang relatif stabil namun tetap dipengaruhi faktor internal dan eksternal pasar.
Pengaruh Citra Merek Sebagai Mediasi Kualitas Produk Terhadap Keputusan Pembelian Teh Pucuk Harum (Studi Pada Mahasiswa Manajemen FEB UNM) Jauhar, Muh. Alif; Amin, Andi Mustika; Riu , Isma Azis; Haeruddin , M. Ilham Wardhana; Aswar, Nurul Fadilah
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 4 (2026): November - January
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i4.4975

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh kualitas produk terhadap keputusan pembelian dengan citra merek sebagai variabel mediasi pada produk Teh Pucuk Harum di kalangan mahasiswa Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Negeri Makassar (FEB UNM). Penelitian ini menggunakan pendekatan kuantitatif dengan jenis explanatory research untuk menjelaskan hubungan sebab-akibat antar variabel yang diteliti. Populasi penelitian adalah mahasiswa Manajemen FEB UNM angkatan 2022 yang pernah mengonsumsi Teh Pucuk Harum, dengan jumlah populasi yang tidak diketahui secara pasti. Teknik pengambilan sampel menggunakan non-probability sampling dengan metode purposive sampling, sehingga diperoleh sebanyak 105 responden. Pengumpulan data dilakukan melalui kuesioner terstruktur yang disebarkan secara daring menggunakan Google Form. Data yang terkumpul dianalisis menggunakan metode Structural Equation Modeling–Partial Least Squares (SEM-PLS) dengan bantuan perangkat lunak SmartPLS versi 3, yang mampu menguji hubungan struktural serta pengaruh langsung dan tidak langsung antar variabel. Hasil penelitian menunjukkan bahwa kualitas produk berpengaruh positif dan signifikan terhadap keputusan pembelian Teh Pucuk Harum. Selain itu, kualitas produk juga berpengaruh positif dan signifikan terhadap citra merek, serta citra merek berpengaruh positif dan signifikan terhadap keputusan pembelian. Lebih lanjut, citra merek terbukti berperan sebagai mediator parsial dalam hubungan antara kualitas produk dan keputusan pembelian. Temuan ini mengindikasikan bahwa kualitas produk yang baik akan semakin efektif dalam mendorong keputusan pembelian apabila mampu membentuk citra merek yang positif di benak konsumen. Penelitian ini diharapkan dapat memberikan kontribusi teoretis dalam kajian perilaku konsumen serta implikasi praktis bagi perusahaan dalam merumuskan strategi pemasaran.
PENGARUH VOLUME PERDAGANGAN DAN KAPITALISASI PASAR TERHADAP VOLATILITAS HARGA PADA CRYPTOCURRENCY Tamara Audry Anandika Syahrir; Tenri Sayu Puspitaningsih Dipoatmodjo; Andi Mustika Amin; Anwar, Anwar; Annisa Paramaswary Aslam
Juremi: Jurnal Riset Ekonomi Vol. 5 No. 3 (2025): Nopember 2025
Publisher : Bajang Institute

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

Abstract

This research aims to examine the impact of trading volume and market capitalization on price volatility in the cryptocurrency market, while also identifying the direction and significance of each variable's influence. The study employs a quantitative methodology. Data were obtained through documentation of monthly historical cryptocurrency records. The sample comprises the five leading cryptocurrencies ranked by market capitalization: Bitcoin, Ethereum, Ripple, Tether, and Binance Coin. Data analysis utilized panel regression techniques to investigate the effect of independent variables (trading volume and market capitalization) on the dependent variable (price volatility). The findings reveal that trading volume demonstrates a positive and significant effect on cryptocurrency price volatility, suggesting that increased trading activity escalates price fluctuations. In contrast, market capitalization exhibits a negative and significant effect on price volatility, indicating that assets with larger market capitalization experience lower price volatility
Challenges and Prospects of ROI Measurement in B2B Digital Marketing: Evidence from MSMEs in Gowa Regency Andi Mustika Amin; Andi Aryani Hardiyanti
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 2 No. 2 (2025): December 2025
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v2i2.903

Abstract

This study explores the challenges and prospects of Return on Investment (ROI) measurement in Business-to-Business (B2B) digital marketing among Micro, Small, and Medium Enterprises (MSMEs) in Gowa Regency, Indonesia. Employing a mixed-methods approach with a convergent parallel design, the research integrates quantitative data from the Central Statistics Agency (BPS) and the Department of Cooperatives and MSMEs of Gowa with qualitative insights from interviews and focus group discussions. The quantitative results show a consistent increase in MSME growth and digital adoption between 2020 and 2024, supported by the government’s initiatives to promote financial inclusion and digital payment systems such as QRIS. However, the low rate of business formalization and uneven digital literacy hinder full participation in digital transformation. Qualitative findings reveal that most MSMEs rely on intuition rather than data-driven analysis to assess marketing performance. Key barriers include limited analytical capability, lack of structured ROI frameworks, fragmented digital systems, and dependence on informal B2B networks. Despite these constraints, emerging opportunities such as AI-based analytics, social media optimization, and government-led digitalization programs demonstrate the potential for improvement. Overall, the study concludes that while MSMEs in Gowa Regency show steady progress in digital marketing adoption, their capacity to measure ROI remains underdeveloped. Enhancing digital literacy, financial management skills, and policy support is essential to enable MSMEs to evaluate marketing effectiveness and achieve sustainable competitiveness in the B2B digital landscape.
Fintech and Operational Efficiency: Empirical Evidence from Indonesia’s Banking Sector Burhanuddin; Andi Mustika Amin; Hery Maulana Arif
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 2 No. 2 (2025): December 2025
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v2i2.904

Abstract

This study investigates the impact of financial technology (Fintech) adoption on the operational efficiency of commercial banks listed on the Indonesia Stock Exchange (IDX) from 2019 to 2023. Employing a quantitative causal-associative method and panel data regression analysis, the research explores how Fintech-driven digital transactions influence banks’ cost structures and efficiency ratios. Data were drawn from annual financial statements and digital transaction reports of four major banks: PT Bank Rakyat Indonesia, PT Bank Negara Indonesia, PT Bank Mandiri, and PT Bank Central Asia. The results reveal that Fintech adoption has a significant and negative effect on both Operating Cost to Operating Income (OCOI) and Cost-to-Income Ratio (CIR), indicating that increased digital transaction activity leads to lower operational costs and improved efficiency. These findings demonstrate that Fintech plays a pivotal role in enhancing banking performance by reducing transaction expenses, optimizing resource allocation, and promoting service accessibility. The study contributes to academic discourse and provides strategic insights for banking practitioners and regulators to strengthen digital transformation policies and foster inclusive Fintech adoption in Indonesia’s financial ecosystem.
The Effect Of Capital Structure On Profitability (A Study On Infrastructure Sector Companies Listed On The Indonesia Stock Exchange For The Period 2020–2024) Desri Yanti Manalu; Andi Mustika Amin; Annisa Paramaswary Aslam
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 2 No. 2 (2025): December 2025
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v2i2.1137

Abstract

The infrastructure sector plays a strategic role in Indonesia’s economic development due to its capital-intensive nature and long-term investment characteristics. Sound financial management, particularly in determining an optimal capital structure, is essential for maintaining profitability and ensuring sustainable growth. However, empirical evidence regarding the relationship between capital structure and profitability remains inconclusive, especially in the post-pandemic period. This study aims to examine the effect of capital structure on profitability in infrastructure sector companies listed on the Indonesia Stock Exchange (IDX) during the 2020–2024 period. Capital structure is measured using the Debt to Asset Ratio (DAR), Debt to Equity Ratio (DER), and Long-Term Debt to Total Assets (LTDtA), while profitability is proxied by Return on Assets (ROA). This research employs a quantitative approach using panel data from 39 infrastructure companies, resulting in 195 observations. Multiple linear regression analysis is applied to test both partial and simultaneous effects of the independent variables on profitability. Classical assumption tests, including normality, multicollinearity, and heteroskedasticity, are conducted to ensure the robustness of the regression model. The results of the F-test indicate that DAR, DER, and LTDtA simultaneously do not have a significant effect on ROA. However, the t-test reveals that LTDtA has a positive and significant effect on profitability, while DAR and DER show no significant influence. These findings suggest that overall leverage does not necessarily enhance profitability in infrastructure companies, but the appropriate use of long-term debt can improve performance through tax shield benefits and support long-term project financing. This study contributes to the literature by providing empirical evidence on capital structure decisions in Indonesia’s infrastructure sector during the post-pandemic period. The findings offer practical implications for corporate managers, investors, and policymakers in formulating effective financing strategies that balance financial risk and profitability.
The Effect Of Asset Growth And Debt To Equity Ratio (DER) On Price To Book Value (PBV) Putri; Muhammad Ilham Wardhana; Andi Mustika Amin; Abdul Rahman; Annisa Paramaswary Aslam
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 2 No. 2 (2025): December 2025
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v2i2.1141

Abstract

Manufacturing companies play an important role in Indonesia’s economy, and this sector comprises several subsectors, one of which is the miscellaneous industry sector. The miscellaneous industry sector is important because it is considered a national priority industry with development potential and also attracts investors. However, during the 2020–2024 period, the sector experienced a decline in asset growth alongside a decrease in market valuation. These conditions motivated this study, which aims to examine the effect of company growth and capital structure on company value, both partially and simultaneously, in manufacturing companies in the miscellaneous industry sector listed on the Indonesia Stock Exchange during the 2020-2024 period. This study uses a causal associative quantitative approach with the Statistical Package for Social Sciences (SPSS) method, and samples are determined using the Purposive Sampling technique on companies that meet the research criteria. The research results indicate that asset growth (TAG) and capital structure (DER) do not have a significant effect on firm value (PBV), both partially and simultaneously. The coefficient of determination (R2) value of 0,009 shows that only 0,9% of the variation in firm value can be explained by these two variables, while 90,1% is influenced by other factors outside the study, such as profitability, company size, and capital market conditions. Thus, the findings indicate that asset growth and capital structure are not dominant determinants of firm value within the diversified industrial sector on the IDX during the 2020–2024 period. These results reinforce the view that other fundamental factors, such as operational efficiency, profitability, and investor confidence, play a greater role in shaping a company's market value.
The Influence of Profitability and Capital Structure on Stock Returns (Study of Retail Companies Listed on the Indonesia Stock Exchange for the Period 2020 – 2024) Evi Puspita Sari; Anwar; Andi Mustika Amin; Nurman; Abdul Rahman
Journal of Studies in Academic, Humanities, Research, and Innovation Vol. 2 No. 2 (2025): December 2025
Publisher : Ponpes As-Salafiyyah Asy-Syafi'iyyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71305/sahri.v2i2.1146

Abstract

This study analyzes the effect of profitability (measured by Return on Equity, ROE) and capital structure (measured by Debt to Equity Ratio, DER) on stock returns in 10 retail sector companies listed on the Indonesia Stock Exchange (IDX) during the period 2020–2024. The background of the study is based on fluctuations in stock returns in the retail sector, which are influenced by internal factors such as profitability and capital structure, as well as theories such as Signaling Theory and Trade-Off Theory. The main objective is to test whether these two independent variables significantly affect stock returns. The method used is multiple linear regression with secondary data analysis through SPSS 27, after conducting classical assumption tests such as normality, multicollinearity, and heteroscedasticity. The results show that capital structure (DER) has a positive and significant effect on stock returns, supporting the Trade-Off Theory, while profitability (ROE) has no significant effect, which contradicts the Signaling Theory. Simultaneously, both variables have a significant effect on stock returns. This conclusion suggests that retail companies should focus more on optimizing capital structure to increase stock returns. The implications of this research provide empirical contributions for investors and company management in facing economic uncertainty..
The Effect of Work-Life Balance on Work Motivation of Members of the South Sulawesi Provincial DPRD Tri Kurniawan; Andi Mustika Amin; Tenri Sayu Puspitaningsih Dipoatmodjo; Zainal Ruma; Uhud Darmawan Natsir
Journal of Innovative and Creativity Vol. 6 No. 1 (2026)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v6i1.5074

Abstract

This study aims to examine the effect of work-life balance on the work motivation of members of the South Sulawesi Provincial DPRD. The research employs a quantitative method to analyze data and seeks to explain the reciprocal influence between the variables under investigation. The results indicate that work-life balance (X) has a positive and significant effect on work motivation (Y) among DPRD members in South Sulawesi. The research instruments used were declared valid and reliable, making them trustworthy for measuring both work-life balance and work motivation. The simple regression analysis shows that the higher the level of work-life balance, the higher the work motivation of DPRD members. This implies that when members are able to maintain a balance between their work responsibilities and personal life, they tend to feel more enthusiastic, focused, and responsible in carrying out their legislative duties. Conversely, disruptions in the balance between work and personal life tend to decrease work motivation. It is recommended that factors supporting the work-life balance of DPRD members be considered, such as implementing a more structured session schedule, providing sufficient rest periods, and supporting both physical and mental health. By maintaining this balance between personal and professional life, work motivation among DPRD members can be enhanced.
Co-Authors A Muh Ridha R Abadi, Rahmat Riwayat Abadi, Ridfan Rifaldy Abdi Akbar Idris Abdul Rahman Abdul Rahman Abdullah, Nur Hudaya Agung Widhi Kurniawan Agung Widhi Kurniawan Akbar, Andi Muhammad Amelia Wijayanti Azis Amin, Andi Nurzakiah Amiruddin Tawe Amiruddin Tawe Amiruddin Tawe Amiruddin Tawe Ananda Putri Rahmadani Anastashia Maharani Muhadi Andi Amelia Putri Andi Aryani Hardiyanti Andi Dewi Angreyani Andi Marwah Andi Muhammad Hanif Andi Nurfadhilah Azizah Annisa Paramaswary Aslam 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 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 Burhanuddin Burhanuddin Chalid Imran Musa Chalid Imran Musa Chalid Imran Musa Darmawan Natsir, Uhud Darmawinata, Widhi Nugraha Sumiharja Desri Yanti Manalu Diva Ariska Ananda Dwiyanti, Astri Eka Astria Evi Puspita Sari Fadhil Nur Makkaraeng Hasanuddin Fadhil Nur Makkaraeng Hasanuddin Fatmawati Fatmawati Fatwa, Nur Apriani Fausyah, Nur Fauziah Reski Aprilia Febinda Firah Nur Rizky Said Fitriani Rahim Haeruddin , M. Ilham Wardhana Haeruddin , Muhammad Ilham Wardhana Haeruddin, M. Ilham Wardhana Hasanuddin, Rismayanti Hasbiah, Siti Hasnidar Hasnidar Hery Maulana Arif Hety Budiyanti Hety Budiyanti Hety Budiyanti Hety Budiyanti Hety Budiyanti, Hety Hety Budiyanty Husnia 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'ad Muhammad Imaduddin As'ad Muhammad Nur Dzaky Putra Basir Muhammad Rafli Muhammad Wahyu, Muhammad Musa , Muhammad Ichwan Musa, M. Ichwan Musa, Muh Ichwan Musa, Muhammad Ichwan Musfira, Nur Fauziah Musfirah Mushawwir, Shaleh Afief A Mustafa, Muh. Yushar Nabila Salsabila Suparman Nadia Mawaddah Nanda Febry Malangi Ngabe Joyti, Devi Adnyaswari Nisaul Husna Ramadhani Ilham Nur Aisyah Nur Apriani Fatwa Nur Intan Pratiwi Nurafni Nurafni Nurasizah Nurasizah Nurfadhilah Azizah, Andi Nurfarhana Nurhaedah Nurhaedah 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 Rahmadani, Dwi Rahmiani Rahmiani Ramadhani, Gina Ramadhani, Khusnul Khatimah Putri Ramli , Anwar Rasmawati, Rasmawati Rauf, Anwar Rezki Amaliah Rezky Amalia Hamka Ridfan Rifadly Abadi Ridho, M. Yunasri Ridwan, Rini Rizky Amelia Riska Rismawati Rismawati Romansyah Sahabuddin Ruma, Zainal Sah, Nurul Alfadiza Saiful Sardiah Satria Satria, Satria Sayyed Muhammad Fikri Assagaf Sebrina, A. Saddiyah 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 Taufik, Finta Anindhita Taufiq, Farah Ramadhani Tawe, Amiruddin Tawe, Andi Amiruddin Tenri S.P. Dipoatmodjo Tenri Sayu Puspitaningsih Dipoatmodjo Tri Kurniawan Uhud Darmawan Natsir Widhi Kurniawan, Agung Widya Putri Clarissa Wahid Woeichandra, Rachmat Yuliana Yuliana Zainal Ruma Zainal Ruma Zainal Ruma