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Religious Moderation in Addressing Gender, Human Rights, and Ecology Issues: A Study from the Perspective of Contemporary Islamic Studies Ridwan, Mohammad; Andaryuni, Lilik
International Journal on Advanced Science, Education, and Religion Vol 8 No 3 (2025): IJoASER (International Journal on Advanced Science, Education)
Publisher : Sekolah Tinggi Agama Islam Al-Furqan, Makassar - Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33648/ijoaser.v8i3.1285

Abstract

The family is the smallest social unit and serves as a fundamental foundation for shaping individual character and values within society. Ideally, family relationships should foster balanced and equitable interactions among members. However, various forms of gender inequality continue to persist in family life. These inequities are reflected in unequal role distribution, limited involvement of women in decision-making, disproportionate domestic workloads, and the occurrence of gender-based violence. This study aims to identify and analyze manifestations of gender inequality in family relations and to explore strategic efforts to promote equality. Using a descriptive qualitative approach and a literature study method, the research examines academic literature, legal documents, and previous studies through the lens of gender perspectives and family sociology. The findings reveal five major forms of gender inequality—marginalization, subordination, stereotyping, violence, and excessive workload—all of which have systemic impacts on the well-being of family members, particularly women and children. To address these issues, it is essential to deepen understanding of gender concepts, ensure fair distribution of household responsibilities, promote shared decision-making, and practice transparent financial management. Achieving gender equality within the family not only supports healthy emotional and social development of individuals but also contributes to building an inclusive, harmonious, and gender-just society.
Strategi Komunikasi Biro Perjalanan Umrah dalam Membangun Kepercayaan Jamaah Melalui Media Digital: Studi Kasus Arrahmah Tour Sriyono Sriyono; Mohammad Ridwan; Sukamto Sukamto; Sulistyo Suharto
JURNAL ILMIAH PENDIDIKAN KEBUDAYAAN DAN AGAMA Vol. 4 No. 2 (2026): April : Jurnal Ilmiah Pendidikan Kebudayaan dan Agama
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jipa.v4i2.1854

Abstract

This study aims to analyze the digital communication strategy of Arrahmah Tour in building pilgrims’ trust through digital media. This research employs a qualitative approach with a case study method. Data were collected through interviews, observation of the company’s official digital media, particularly the website Arrahmah Tour, and documentation of various digital contents such as company profiles, travel packages, pilgrims’ testimonials, and service information. Data analysis was conducted using a descriptive-qualitative technique focusing on identifying patterns of digital communication strategies in building trust. The findings show that Arrahmah Tour implements a digital communication strategy focused on building digital trust through three main elements: information transparency, social proof, and communication consistency. Digital media functions not only as a promotional tool but also as an organizational legitimacy instrument and a mechanism for reducing perceived risk among prospective pilgrims. The company’s website serves as an information hub as well as a primary reference in the decision-making process. Thus, the implemented digital communication strategy significantly contributes to building pilgrims’ trust in the context of high uncertainty within the Umrah travel industry.
FACTORS THAT AFFECT THE QUALITY OF FINANCIAL REPORTING AT BAITUL MAAL WAT TAMWIL (BMT) CENTRAL JAVA PROVINCE Puja Nirma Rizki; Andwiani Sinarasri; Mohammad Ridwan
Jurnal Ilmiah Ekonomi Islam Vol. 12 No. 3 (2026): Jurnal Ilmiah Ekonomi Islam
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v12i3.19715

Abstract

The quality of financial statements is a crucial indicator in assessing the accountability and performance of financial institutions, including Baitul Maal wat Tamwil (BMT). Factors such as Accounting Information Systems, Internal Control Systems, Financial Accounting Standards, and Accounting Understanding are considered to influence the quality of financial reporting. This study employed a quantitative approach using a random sampling technique, involving 126 BMTs in Central Java Province as research respondents. Data were collected through questionnaires and analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). The results indicate that Accounting Information Systems, Internal Control Systems, and the implementation of Financial Accounting Standards have a positive and significant effect on the quality of financial statements. Meanwhile, accounting understanding shows a positive but not significant effect. Simultaneously, the four variables explain 66.6% of the variance in financial statement quality, while the remaining percentage is influenced by other factors beyond the scope of this study. These findings highlight the importance of strengthening systems, internal controls, and compliance with accounting standards to improve the quality of financial reporting in BMT institutions.
Peran Mediasi Literasi Keuangan Syariah terhadap Kinerja Keuangan UMKM: Perspektif Kompetensi, Fintech, dan Pengendalian Internal Mohammad Ridwan; Sukamto Sukamto; Sulistyo Suharto
Jurnal Riset Ekonomi dan Akuntansi Vol. 4 No. 1 (2026): Maret: JURNAL RISET EKONOMI DAN AKUNTANSI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrea-itb.v4i1.4071

Abstract

This study aims to analyze the influence of manager competence, financial technology, and internal control systems on MSME financial performance, both directly and indirectly through Sharia financial literacy as a mediating variable. This study uses a quantitative approach with an exploratory design. Primary data were obtained by distributing questionnaires to 400 MSMEs in Semarang City selected using a purposive sampling technique. Data analysis was conducted using SEM-PLS. The results show that manager competence and financial technology have a positive and significant influence on MSME financial performance, while internal control systems do not have a significant direct influence. Manager competence, financial technology, and internal control systems are proven to have a positive and significant influence on Islamic financial literacy. Furthermore, Sharia financial literacy has a positive and significant influence on MSME financial performance and is able to mediate the influence of manager competence, financial technology, and internal control systems on MSME financial performance. These findings confirm that Sharia financial literacy is a strategic capability that plays a role in transforming an organization's internal resources into improved financial performance. This research contributes to the development of the Resource-Based View and Dynamic Capability theories and offers a model for improving the financial performance of MSMEs based on Islamic financial literacy.
Dinamika Kebijakan Ekonomi Turki di Era Kepemimpinan Recep Tayyip Erdogan : Kajian Literatur Mira Yuli; Septia Arum Ningsih; Mohammad Ridwan
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 4 No. 2 (2026): Juni: Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v4i2.2332

Abstract

Turkey enjoys a strategic position as a link between Asia and Europe, and a long history stretching from the Ottoman Caliphate to its secular republic under Mustafa Kemal Atatürk. Since the victory of the Justice and Development Party (AKP) led by Recep Tayyip Erdoğan in 2002, Turkish economic policy has undergone significant changes. This study aims to analyze the development of Turkish economic policy during Erdoğan's administration, encompassing periods of economic growth, the challenges of the crisis, and the development of the Islamic financial sector. The method used is a literature review, reviewing various scientific sources, such as journals, books, and relevant research reports. The results show that during the 2002–2013 period, the Turkish economy experienced rapid growth, characterized by an increase in per capita income, a decrease in the ratio of public debt to gross domestic product (GDP), and increased foreign direct investment. However, in the 2013–2023 period, the Turkish economy faced various challenges due to geopolitical tensions, international sanctions, and unconventional monetary policies, triggering high inflation, reaching 85.5% in 2022. Meanwhile, the government continued to encourage the strengthening of Islamic finance through the development of banking participation, optimization of waqf assets, and the use of zakat as a social protection instrument. This study concludes that Erdoğan's leadership has brought significant economic transformation to Turkey, both through various achievements and challenges faced.
Peran Ekonomi Islam dalam Mengatasi Permasalahan Ekonomi Global di Pakistan Muhammad Nurjati; Hamam Mishbakhuzzein; Dea Safitri; Mohammad Ridwan
Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi Vol. 4 No. 2 (2026): Juni: Anggaran : Jurnal Publikasi Ekonomi dan Akuntansi
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/anggaran.v4i2.2340

Abstract

Global economic problems such as inflation, unemployment, financial crises, economic inequality, and increasing foreign debt are challenges faced by many countries, including Pakistan. As a country with a Muslim majority population, Pakistan has the potential to implement an Islamic economic system as a solution to overcome these various economic problems. This study aims to determine the condition of global economic problems in Pakistan, understand the concept of Islamic economics in addressing economic problems, and analyze the role of Islamic economics in helping overcome global economic problems in Pakistan. The research method used is qualitative research with a descriptive approach through library research. Data were obtained from various sources such as scientific journals, books, articles, and relevant documents, then analyzed using qualitative descriptive analysis techniques. The results of the study indicate that global economic problems faced by Pakistan are influenced by dependence on foreign debt and investment, energy and environmental crises, political instability, limited green financing, economic policy uncertainty, and global geopolitical risks. Islamic economics plays a role in overcoming these problems by implementing a riba-free financial system, maintaining the stability of the value of money, encouraging productive financing, realizing justice and income equality, avoiding excessive speculation, and increasing transparency and responsibility in economic activities. By applying these Sharia principles, Islamic economics can be an alternative solution to creating a more just, stable, and sustainable economic system for the people of Pakistan.  
Analisis Peran Kebijakan Fiskal dalam Meningkatkan Kesejahteraan Sosial Masyarakat Arifahtul Hikmah; Halimah Halimah; Syalaisha Sevia Aulianisya; Mohammad Ridwan
SANTRI : Jurnal Ekonomi dan Keuangan Islam Vol. 4 No. 3 (2026): Juni: SANTRI : Jurnal Ekonomi dan Keuangan Islam
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/santri.v4i3.2335

Abstract

Fiscal policy is one of the government’s main instruments in managing the national economy through the regulation of state revenue and expenditure in order to achieve economic stability, growth, and equitable social welfare. This study aims to analyze the role of fiscal policy in improving social welfare through various development programs, income distribution, and public service provision. The method used is a descriptive qualitative approach by analyzing various literature sources, government policies, and data related to fiscal implementation. The results show that fiscal policy has a strategic role in improving social welfare through tax management, subsidies, social assistance, infrastructure development, education, and healthcare. Effective fiscal policy can reduce social inequality, increase people’s purchasing power, create employment opportunities, and strengthen national economic stability. However, the effectiveness of fiscal policy is also influenced by budget management transparency, accurate program targeting, and the level of public compliance with tax obligations. Therefore, synergy between the government and society is essential so that fiscal policy can be implemented optimally in achieving social justice and equitable welfare. This study emphasizes that fiscal policy is not only an economic tool but also an important means of creating sustainable development and social welfare for all levels of society.
Evaluasi Kepatuhan Syariah pada Akad Musyarakah dalam Pembiayaan Usaha Mikro Halimah Halimah; Defina Alfiyanti; Serly Amelika Putri; Muhamad faozi alrizki; Falah Alkautsar; Dian Agustin; Viandilan Viandilan; Feby Aristrianti; Afif al khaedar; Mohammad Ridwan; Abu Lubaba
Maslahah : Jurnal Manajemen dan Ekonomi Syariah Vol. 4 No. 3 (2026): Juli: Maslahah : Jurnal Manajemen dan Ekonomi Syariah
Publisher : STAI YPIQ BAUBAU, SULAWESI TENGGARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59059/maslahah.v4i3.3077

Abstract

This study aims to evaluate the level of sharia compliance in musyarakah contracts within micro-enterprise financing. Musyarakah is a partnership-based financing contract that emphasizes cooperation, profit-sharing based on an agreed ratio (nisbah), and proportional risk sharing in accordance with each party’s capital contribution. In practice, the implementation of musyarakah contracts in micro-enterprise financing must be assessed against the Fatwa of the National Sharia Council–Indonesian Ulema Council (DSN-MUI), principles of fiqh muamalah, and Islamic banking regulatory frameworks in Indonesia. The findings show that the implementation of musyarakah working capital financing in Islamic banking is generally in the good category. However, two non-compliance issues with sharia principles were identified. First, there is an imbalance in work participation, where the business is fully managed by the customer while the bank only provides supervision and guidance without active involvement, whereas active participation of partners is a fundamental principle of musyarakah. Second, there is an element of riba due to the use of a fixed profit-sharing scheme, even though profits in musyarakah should be uncertain and based on actual business performance. The study implies that Islamic banks need to improve musyarakah implementation to ensure full compliance with DSN-MUI fatwas, particularly in terms of active bank participation and non-fixed profit-sharing arrangements. Properly implemented, musyarakah financing can strengthen micro and small enterprises by promoting justice-based and risk-sharing economic cooperation.
Islamic mutual funds: risk and return management Adi Gunanto; Lubna M. Omar Hamzalouh; Sunarmi Sunarmi; Mohammad Ridwan
Journal of Islamic Accounting and Finance Research Vol. 6 No. 1 (2024)
Publisher : Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiafr.2024.6.1.18034

Abstract

Purpose - This research aims to provide a deeper understanding of the risks associated with investing in sharia fixed income mutual funds and how these risks can affect investment returns.Method - This research adopts a quantitative descriptive research approach that focuses on numerical data. The operational definition of mutual fund risk in this study refers to the concept of risk defined as the variability of returns from the type of securities that will form the portfolio. The securities that are the focus of this research are sharia fixed income mutual funds.Result - The performance of sharia fixed income mutual funds from 2021 to 2022 shows positive and significant developments.Implication - The findings of this research have significant implications for financial policymakers and investors. Furthermore, this research emphasizes the importance of ethical investment choices and compliance with sharia principles, providing investors with financial security and ethical satisfaction.Originality - This research contributes to the field of research by providing a comprehensive analysis of the risk and return characteristics of sharia fixed income mutual funds. Additionally, this research offers a more holistic view of investment performance.
Enhancing Accessibility and Inclusivity of Digital-Based Hajj-Umrah Services for Muhammadiyah KBIHU Hajj-Umrah Guides in Semarang City Sriyono; Mohammad Ridwan; Sukamto; Danusiri; Ilham Bayu Pamuji
Society : Jurnal Pengabdian Masyarakat Vol. 5 No. 3 (2026): Mei
Publisher : Edumedia Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55824/7tgm5b81

Abstract

This community service program aims to enhance the competencies of Hajj–Umrah instructors through the utilization of digital service solutions that improve accessibility and effectiveness of guidance. The program was implemented using the Kurt Lewin Classroom Action Research (CAR) model, consisting of planning, action, observation, and reflection stages, and involved 125 instructors and participants from KBIHU Muhammadiyah Kota Semarang. The evaluation results indicate consistent improvement in participants’ abilities. Initial observations showed a comprehension level of 56%, which increased to 76% after the first action using conventional learning. In the final post-test following digital service–based instruction, participants’ understanding further improved to 86%. These findings demonstrate that digital service effectively strengthens learning through more accessible and interactive material delivery.  Overall, the program confirms that integrating digital technology into Hajj–Umrah guidance enhances instructor competence and supports KBIHU’s transformation toward more adaptive and inclusive service delivery.
Co-Authors Abdul Aziz Abdul Hanan Abu Lubaba Adi Gunanto Adi Gunanto Adi Setiawan Adipurno, Setyo Afif al khaedar Afriantari, Vidya Lintang AFRIZON AFRIZON, AFRIZON Agus Rohmat Hidayat Agus Salim Agustine, Dine Ahmad Fikri Ahmad Iskandar Rahmansyah Ahmad Risandi Ahmad Zaki Mubarok, Ahmad Zaki Ai'iny, Iffah Nur Aldin Radam Kholid Alfan, Aulia Ahmad Alfidayanti, Ina Ali Achmad Muhajir Alirahman, Agus Dian Alvi Fauziyah Alwiyah Alwiyah Amelya Fenna Agustin Amri Effendi Amri, Saeful Ananda Citra Apriliana Sari Anastasia Dian Putri.S Andwiani Sinarasri Aneng Maria Angelica, Inggrid Twi Anggraini, Yulia Anindya P. R. Z. Putri Anindya P.R.Z Putri Anisa Maya Umri Hayati Annisa Diah Arofah Apriyanto Apriyanto Ara Hidayat, Ara Arifahtul Hikmah Arnelia Putri Pratiwi Arniwita, Arniwita Aryanti Aryanti, Yosi Azizah, Lelatul Azriel Khoerul Ihsan Baehaqi Baenudin, Muhamad Barnamij, Najhah Cahyati, Ananda Tri Cahyono, Davit Chatarina Umbul Wahyuni Chrisia, Rahel Dania Juniati Danusiri Danusiri Danusiri Darmawan, Almira Dea Safitri Dede Ipan Rizky Agung Dede Saeroji Defina Alfiyanti Della Wahyuningsih Deswan, Roki Ade Dian Agustin Dini Selasi Diva Nazmi Laila Dwi Aprilia Dyah Nirmala Arum Janie Ebrison, Muhamad AlHafidz Edy Saputra Effendi, Amri Eko Sudarmanto Eman Suherman Erliyana Saputri Ermaini Ermaini Eva Dahlia Evi Novida Ginting Manik Faadhilah, Nur Fadilla Muhammad Mahdi Faizin, Moh. Falah Alkautsar Farhana, Farhana Fariska Arlinda Putri Fatah Syukur, Fatah Fatiha, Belgheddouche Fatmasari Sukesti Fauziah Fauziah Fazri Rahmadani Feby Aristrianti Gama Pratama Grasio Barlia Gunanto, Adi Hairan, Hairan Halimah Halimah Hamam Mishbakhuzzein Hamdanil, Hamdanil Hamzalouh, Lubna M. Omar Hani Bela Puspita Hanipah Hardiwinoto Hardiwinoto Hardiwinoto Hardiwinoto, Hardiwinoto Hardiyanto , Feri Hardiyanto Nugroho, Asep Hasan Basri Herdi Herdi Heru Cahyono Hestianah, Sudiah Icha Asaroh iim rohimah, iim Ikhwanudin Ilham Bayu Pamuji Ilmi, Irfan Indriana, Nina Ingkak Chintya Wangsih Iqbal, Muhamad Fajrul Irmasani Daulay Irwan Sembiring Islamia, Ratu Iwan Setyawan Judijanto, Loso Junemi Junemi Kembaren, Andree Axel Augusta Kharimah, Kharimah Kia Rahman, Radit Kohhar, Wildan Wafa Amrul Kristanto, Eri Larasati, Putri Dewi Lilik Andaryuni Lubna M. Omar Hamzalouh M Daffa Dhiya Ulhaq Mafulla, Dian Maharani, Andi Rezti Mahfud Junaedi Mahmud Mahmud Manongga, William Eric Maulidiyah Al Adawiyah Maya Ayu Ningsih Meilandri, Detti Meli Amelia Mira Yuli Mohammad Debby Rizani Muarif, Muhamad Ari Muh Nur Rochim Maksum Muhamad Aliraja Muhamad faozi alrizki Muhammad Danil, Muhammad Muhammad Haidar Muhammad Husni Abdulah Pakarti Muhammad Nurjati Muk Andhim Munzir Munzir Munzir Munzir, Munzir Mustofa Anwar Muzdhalifah, Muzdhalifah Nabela, Alfi F Nasikhin, Nasikhin Natasya Dwi Aida Putri Nike Nur'aini Ningsih, Ana Mardiana Ningsih, Maya Ayu Ningtyas, Dyah Ayu Noor, Iqbal Hidayatsyah Novitasari Agus Saputri Nuha Luthfiana Khamila Nur Haida Nur'aini, Nike Nurchamin, Nafiz Nurul Hasanah Nurul Khasanah Paturohman, Paturohman Penty, Penty Pratama, Achmad Galih Pratama, Fidya Arie Pratama, Gama Prizka Rismawati Arum Prizka Rizmawati Arum Puja Nirma Rizki Puspitasari, Listi Putra, Iwan Eka Putri, Anindya P. R. Z. putri, anindya p.r.z Putro, Dwi Purnomo Qiqi Yuliati Zaqiah, Qiqi Yuliati Qudsy, Cintamani Zahrotul R. Ery W. A. Santosa R. Ery Wibowo A.S. Rahman Wiyono, Agung Abdul Rahman, Anggia Rahmat Hidayat Rahmatunnisa, Frida Eka Ratna Siti Fauziah Ratu Islamia Ria Puspitasari Rifa Maulina Rita Defriza Riyani, Ade Riyanti Wahyuni Riyanto Setiawan Suharsono Rizky, Robby Rochdi Wasono Rohmat, Saepur Rohmini Indah Lestari Rosyadi, Nabil Safitri Safitri Safriani, Laela Sally Badriya Hisniati Salmah Salmah Salsabila, Syafira Samuel Febriary Khristyson Saputra, Heri Selasi, Dini Sella Auni Aprilia Septia Arum Ningsih Serly Amelika Putri Setyo Utomo, Ponco Edy Shandya, Jihan Siregar, Mahmud Ar Rasyid Ridho Sistyawan, Dwanda Julisa Siti Aisyah Siti Azizah Siti Wulan Sari Sofyan Syamsuddin Sohibul Migfar, Muhammad Sriyono Sriyono Sriyono Sriyono Sriyono Sriyono Sriyono, Sriyono - Suhaimi Suhaimi Suharto, Sulistyo Sukamto Sukamto Sukamto Sukamto Sukamto Sukamto Sukamto Sukisno Sukisno, Sukisno Sulistyo Suharto Sulistyo Suharto Sumarno . Sumper Mulia Harahap, Sumper Mulia Sunarmi Sunarmi Sunarmi Suparman Supiana, Supiana Supriyadin, Supriyadin Syalaisha Sevia Aulianisya Syamsiar, Syamsiar Syukri Iska, Syukri Taufik Hidayat Taufik, Rizki Tri Winarsih Triska Juliyani Ulfatun Nadalia Umar Faruq Untung Prasetyo Ilham Viandilan Viandilan Vidiati, Cory Vina Rakhmawati Wahyudi, Fajar Satriyawan Warsudi Warsudi Wibawanthi, Annisa Wyati Saddewisasi Yanto Maulana Restu Yulia, Devi Yulianti, Neni Yusim, Adi Kurniawan