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Analisis Dampak Roa, Roe & Npm Terhadap Nilai Saham Perbankan Negara (Bumn) Tercatat Pada Bei (Bursa Efek Indonesia) Dengan Ratio Eps Yang Merupakan Variabel Intervening (Studi Kasus Perbankan Negara (BUMN) di BEI Jangka Waktu 2021-2023) Imam Argianto; Osly Usman; Umar Hasan
Journal of Innovative and Creativity Vol. 5 No. 2 (2025)
Publisher : Fakultas Ilmu Pendidikan Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i2.988

Abstract

Tujuan dari penelitian ini adalah untuk mengetahui bagaimana Return on Equity (ROE), Return on Assets (ROA), dan Net Profit Margin (NPM) memengaruhi harga saham bank-bank milik negara yang tercatat di Bursa Efek Indonesia (BEI) antara tahun 2021 dan 2023. Variabel interveningpenelitian ini adalah laba per saham, atau EPS. Metode analisis yang digunakan adalah analisis jalur, yang didukung oleh regresi linier berganda, pengujian hipotesis, dan uji asumsi tradisional. Temuan penelitian menunjukkan bahwa, baik secara langsung maupun tidak langsung, laba per saham (EPS) memiliki sedikit dampak pada harga saham. Namun, harga saham dipengaruhi secara signifikan oleh ROA. Selain itu, ROE dan NPM tidak secara langsung memengaruhi harga perusahaan melalui laba per saham (EPS). Lebih buruk lagi, EPS, ROA, ROE, dan NPM semuanya menunjukkan dampak yang signifikan pada saat yang bersamaan. Karena telah dibuktikan bahwa semua rasio ini bekerja sama untuk menaikkan harga saham perusahaan, disarankan agar rasio ROA, ROE, NPM, dan EPS ditingkatkan lebih lanjut mengingat penemuan ini. Meskipun demikian, sebagai langkah yang diperhitungkan untuk meningkatkan nilai saham, manajemen bank milik negara dapat lebih fokus pada peningkatan ROA.
Positive Attitude of Users in Mediating the Impact of Perceived Benefits and Convenience on the Interest in Using QRIS Regularly in Daily Life Prima, Resti; Suryadi, S.; Usman, Osly
Golden Ratio of Data in Summary Vol. 6 No. 2 (2026): February - April
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v6i2.1410

Abstract

Digital transformation in the financial sector encourages the use of payment systems rather than cash methods, such as QRIS (Quick Response Code Indonesian Standard). However, behavioral intentions to use QRIS routinely still face challenges, particularly regarding user perceptions and attitudes. This study aims to analyze the influence of perceived usefulness and perceived ease of use of QRIS (perceived ease of use) on the intention to use QRIS regularly (behavioral intention to use), with a positive attitude toward QRIS's benefits and ease (attitude toward using) as a mediating variable. A quantitative approach was used through a survey of 160 respondents who lived in one of the apartments in Tebet, South Jakarta, who were actively using QRIS. The analysis was carried out using SmartPLS software version 4.1.1.2 with the Partial Least Squares Structural Equation Modeling (PLS-SEM) analysis method. The results showed that the benefits obtained and the ease of use of QRIS had a significant effect on positive attitudes and intentions to use QRIS regularly, and that positive attitudes mediated the relationship between the two. These findings reinforce the relevance of the Technology Acceptance Model (TAM) for cashless payments in urban areas.
Faktor-Faktor yang Memengaruhi Niat Menggunakan Teknologi Virtual Try-On Produk Make-Up pada Gen Z Pratiwi, Viyonila; Parlyna, Ryna; Usman, Osly
Jurnal Ilmu Sosial dan Humaniora Vol. 2 No. 1 (2026): JANUARI-MARET
Publisher : Indo Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/6qyxd923

Abstract

This study aims to analyze the factors that influence behavioral intention in using virtual try-on (VTO) technology for makeup products. The variables tested in this study include perceived usefulness, perceived ease of use, social influence, and perceived trust. This study used a quantitative approach with an online survey method. Data were collected from 170 respondents who were Generation Z, domiciled in DKI Jakarta, and knew or had used the virtual try-on feature for makeup products. The sampling technique used was purposive sampling. Data were collected through an online questionnaire. The data analysis technique used was Structural Equation Modeling (SEM) with a Partial Least Squares (PLS) approach to test the relationship between variables in the research model. The results showed that perceived ease of use had a positive and significant effect on behavioral intention and perceived usefulness. In addition, social influence had a positive and significant effect on behavioral intention and perceived trust. Perceived trust was also shown to have a positive and significant effect on behavioral intention in using virtual try-on technology. However, perceived usefulness did not show a significant effect on behavioral intention. Furthermore, the test results show that perceived trust mediates the effect of social influence on behavioral intention, indicating that social influence can increase intention to use virtual try-on technology by building user trust. This study recommends that beauty brands focus their virtual try-on technology development on aspects of ease of use, increasing user trust, and leveraging social influence through digital media to increase usage interest among Generation Z.
Determinasi Behavioral Intention Pada Mahasiswa Pengguna Aplikasi BCA Mobile di Jakarta Timur Adhar, Ranisya Refanka; Parlyna, Ryna; Usman, Osly
Jejak digital: Jurnal Ilmiah Multidisiplin Vol. 2 No. 2 (2026): MARET 2026
Publisher : INDO PUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63822/d89rhc06

Abstract

This study aims to explore the connection between trust, perceived ease of use, perceived enjoyment, and perceived usefulness towards user’s behavioral intention on BCA Mobile application. Through the framework, this study examines how trust, perceived ease of use, perceived enjoyment, and perceived usefulness influence their behavioral intention to use BCA Mobile application. This study also adopts perceived usefulness as a mediating variable that mediates the relationship between independent variables and dependent variables. The research method was conducted using quantitative methods through questionnaire instruments and purposive sampling with 100 college student respondents in East Jakarta who use the BCA Mobile application. Data processing was analyzed through structural equation modeling (SEM) with the partial least squares (PLS) method and using Smart PLS 4 software. The results showed that (1) trust has no effect on perceived usefulness, (2) perceived ease of use has a significant effect on perceived usefulness, (3) perceived enjoyment has a significant effect on perceived usefulness, (4) perceived usefulness has no effect on behavioral intention, (5) perceived usefulness didn’t mediate trust’s influence on behavioral intention, (6) perceived usefulness didn’t mediate perceived ease of use’s influence on behavioral intention, and  (7) perceived usefulness didn’t mediate perceived enjoyment’s influence on behavioral intention.
PENGARUH CUSTOMER EXPERIENCE DAN BRAND IMAGE TERHADAP CUSTOMER SATISFACTION DAN CUSTOMER LOYALTY PADA PENGGUNA APLIKASI MOBILE KOPI KENANGAN DI JABODETABEK Puspa Nuraini Putri; Osly Usman; Nofriska Krissanya
Jurnal Riset Multidisiplin Edukasi Vol. 3 No. 3 (2026): Jurnal Riset Multidisiplin Edukasi (Maret 2026)
Publisher : PT. Hasba Edukasi Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71282/jurmie.v3i3.1754

Abstract

This study aims to analyze the direct influence of customer experience dimensions, comprising cognitive, affective, relational, and sensorial experience, as well as brand image, on customer satisfaction and customer loyalty among Kopi Kenangan mobile application users in Jabodetabek. Primary data were collected from 226 active users through an online questionnaire using purposive sampling and analyzed using Structural Equation Modeling-Partial Least Squares (SEM-PLS) with SmartPLS 4.0. Of 11 hypotheses tested, 9 were accepted. Cognitive experience emerged as the strongest predictor of satisfaction (β=0.297), followed by brand image (β=0.254), affective experience (β=0.191), and relational experience (β=0.161). Relational experience exerted the largest direct effect on loyalty (β=0.187), while customer satisfaction was the overall strongest loyalty predictor (β=0.273). Sensorial experience was non-significant in both paths, indicating its transition to a hygiene factor at the current stage of app maturity. These findings offer actionable implications for digital F&B companies in optimizing customer experience design and brand management.
Driving Business Performance in Jakarta’s Fried Chicken MSMEs: The Role of Product and Service Innovation in Creating Competitive Advantage Fadhillah, Anindita; Saparuddin Mukhtar; Osly Usman
Journal of Strategic Innovation in Economics and Business Vol. 1 No. 2 (2025): Journal of Strategic Innovation in Economics and Business
Publisher : Yayasan Cerdas Pedia Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.65101/sinebis.v1i2.166

Abstract

This study investigates the strategic pathways through which product quality and service quality drive business performance in Jakarta's fried chicken micro, small, and medium enterprises (MSMEs), with competitive advantage as a mediating variable. Using a quantitative approach with structural equation modeling based on partial least squares (SEM-PLS) analysis of 101 MSME owners, the research empirically validates the Resource-Based View (RBV) theory in the emerging market context. Findings reveal that both product quality (path coefficient = 0.456 to competitive advantage) and service quality (path coefficient = 0.536 to competitive advantage) significantly enhance competitive advantage, which subsequently amplifies business performance. Service quality demonstrates the strongest direct effect on business performance (path coefficient = 0.425), while competitive advantage partially mediates the relationships between quality dimensions and performance. The exceptional explanatory power of the structural model (R² = 0.992 for business performance) confirms that quality-based competition strategies yield superior performance outcomes compared to price-based approaches in the post-pandemic culinary market. These findings demonstrate that resource-constrained MSMEs can achieve sustainable competitive advantages through strategically leveraging difficult-to-imitate quality capabilities and emotional service connections, extending RBV theory's applicability to emerging market MSME contexts and providing actionable implications for MSME strategic management and policymakers.
PENGARUH PENDIDIKAN KEWIRAUSAHAAN, MOTIVASI BERWIRAUSAHA, DAN LINGKUNGAN KELUARGA TERHADAP MINAT BERWIRAUSAHA DI SMK NEGERI 9 JAKARTA Latip, Nadia Salsabila; Eryanto, Henry; Usman, Osly
JURNAL RISET PENDIDIKAN DAN PENGAJARAN Vol. 2 No. 2 (2023): JULY
Publisher : Transpublika Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55047/jrpp.v2i2.462

Abstract

This study aims to determine the influence of entrepreneurship education, entrepreneurial motivation, and family environment on entrepreneurial interest in SMK Negeri 9 West Jakarta. The population in this study is all class XI and XII students from five majors at SMKN 9 Jakarta. The sample in this study was 191 students, this number was obtained from calculations based on Isaac and Michael's table. Data collection in this study is primary data using questionnaires based on Likert scale. The analytical technique used in this study is Structural Equation Modelling with the Partial Least Square (SEM-PLS) model. The results of this study show: (1) there is a positive and significant direct influence of entrepreneurship education on entrepreneurial interest, (2) there is a positive and significant direct influence of entrepreneurial motivation on entrepreneurial interest, (3) there is a positive and significant direct influence the family environment on entrepreneurial interest.
A FACTOR INFLUENCING THE REPURCHASE INTENTION ON TIKTOK FOR BABY BOTTLES Daniel Pungkas Prastia Wibowo; Daru Putri Kusumaningtyas; Osly Usman; Verry Febriansyah
JRMSI - Jurnal Riset Manajemen Sains Indonesia Vol. 17 No. 1 (2026): Jurnal Riset Manajemen Sains Indonesia
Publisher : Fakultas Ekonomi, Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/JRMSI.017.1.4

Abstract

This study aims to analyze the factors that influence repurchase intention of baby bottle products through TikTok Shop, focusing on the roles of short video content, customer experience, perceived value, and customer satisfaction. The research uses a quantitative method with purposive sampling, involving 118 respondents who have made at least two purchases via TikTok Shop. Data were collected through an online questionnaire using a six-point Likert scale and analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). The results show that customer satisfaction has the most significant and strong effect on repurchase intention, while short video content, customer experience, and perceived value influence repurchase intention indirectly through customer satisfaction. The model demonstrates high explanatory and predictive power, with R-square values of 0.642 for customer satisfaction and 0.781 for repurchase intention. This study concludes that building customer satisfaction is key to encouraging repeat purchases. Engaging short video content and positive customer experiences contribute significantly to perceived value and satisfaction. The findings highlight the importance of optimizing video-based digital marketing strategies in social commerce platforms like TikTok Shop. Marketers should focus on content that is informative, visually appealing, and relevant to enhance customer loyalty and purchasing decisions.
The Influence of Financial Literacy and Financial Behavior of FEB UNJ Students on Crypto Investment Decisions Nanda Melandri; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 1 No. 1 (2025): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.01.1.01

Abstract

Objective: This study seeks to examine the effects of Financial Literacy and Financial Behavior on Crypto Investment Decisions in students UNJ Faculty of Economics and Business (FEB), with Investment Motivation as the mediator. Based on the quantitative method, a total of 102 received for this study and analyzed by using SEM-PLS. The results indicate that Financial Literacy and Financial Behavior have a positive and significant influence on Investment Motivation, in turn, it influences Investment Decisions. Crucially, mediation analysis demonstrates that Investment Motivation mediates the path from Financial Literacy to decisions but fails to mediate Financial Behavior. Instead, Financial Behavior exerts a strong direct influence on decisions. It is concluded that while knowledge requires a motivational bridge to translate into action, financial discipline acts as a direct enabler. These findings imply that financial education should integrate rational motivational strategies with practical habit formation to mitigate investment risks.
The Effect of Ease of Transaction and User Interface (UI) Design on User Interest in Using the Bank Jago Application with User Satisfaction as an Intermediary Variable Raniyah Kamilah; Afidah Nur Aslamah; Osly Usman; Ryna Parlyna
Journal of Strategic Marketing and Innovation Vol. 1 No. 1 (2025): Journal of Strategic Marketing and Innovation
Publisher : Asosiasi Transformasi Digital Dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64243/JOSMI.01.1.02

Abstract

This study seeks to examine the influence of transaction convenience and user interface design on users’ intention to use the Bank Jago application, with user satisfaction serving as a mediating variable. The study employs a quantitative methodology using the SmartPLS application and a partial Least Squares-based Structural Equation Modeling (SEM-PLS) technique. Data were gathered using questionnaires administered to Bank Jago users aged 18 years and above who had conducted transactions. The findings demonstrate that user interest in the application is positively impacted by transaction ease and interface design. Furthermore, it has been demonstrated that user happiness functions as a mediating factor in the relationship between transaction wase, interface design, and interest in utilizing the Bank Jago application. These findings emphasize the importance of ease and quality of application design in increasing satisfaction and interest in using digital banking service.
Co-Authors Achmad Fauzi Adhar, Ranisya Refanka Adib Pradipta Adib, Sahal Afham Adnan Kasofi Adnan Kasofi Afidah Nur Aslamah Afidah Nur Aslamah Afif Khairi Agung Pangestu Agung Priambodo, Ervin Agung Wahyu Handaru Agus Sulistyono Alamsyah, Muhammad Fikri Alika Khairunisa Alimah Alda Fuadiyah Ammar Shiddiq Yulianto Ananda Mochammad Rizky Andi Muh Fachry Anggriawan Oktobisono Annisa Lutfia Annisa Lutfia Ansar, Rudy Arga Pramesty, Desnita Aris Muhamad Syukur Ariyo Alinugroho Singgih Arum Nur Anggraini Atia Tiara Trisnawan Ayu Aprilia Azalia, Farah Cantika Aziz, Sumayyah Azzahrani Hafshah Valiandri Bianca Ayu Anindira Bicky Maulana Bintang Muhamad Harsya budiantoro, Anandha Budisutiono, Clara Immanuella Caecilia Sheryl Kusuma Christian Wiradendi Wolor Corry Yohana Daniel Pungkas Prastia Wibowo Darma Rika Swaramarinda, Darma Rika Daru Putri Kusumaningtyas Dea Permatasari Devina Angistya Maharani Dewi Agustin Pratama Sari Dewi Susita Dhafin Syah, Muhammad Dhany Asmara Hidayat Diena Noviarini Diena Novirini Dinar Agus Sara Diya Aldin Fadeyushka Dwi Pangestuti Dyah Ratu Dwihapsari Elilia Nindy Prastika Elilia Elsha Melinda Evitasari, Kirayna Fadhillah, Anindita Fadli, Ghifari Aminudin Farhan Taruna Farhan Taruna Farlian Oktora Pramudia Fathir Fairuzzi Fatimah Ambarwati Faza Hibatul Haqqi Febi Ferdian Farhan Fikri Pirmansyah Firgiawan Akbar Ghea Agita Ghifari Aminudin Fad’li Hajar Mareti A Harits Ikbar Hasna Azzahidah Henry Eryanto HENRY ERYANTO, HENRY Herdian Akbar Hery Irawan Hery Widijanto Hilsya Faiqotul Innayah Hindra Yani Husnul Khotimah Ika Febrilia Ikbar, Harits Ikhsan Mawardi Imam Argianto Indriyana, Saoki Ismail, Shuja Azmi Jasmine Lamia Safira Jauza Aqhna Kamila Jihan Alya Rahma Putri Irmawan Jonathan Halomoan Simanjuntak Juan Wody Romansa Julianda Jahid Muttaqin Kasofi, Adnan Kayla Diandra Alisya Khansa Puti Zharifah Muza Krissanya, Nofriska Kusumaningtyas, Daru Putri Laily Musyrifah Latip, Nadia Salsabila Levi, Daud Maeka, Lita Maharani, Melwanda Rieka Maharrizki, Alif Mardiana Saharani Mardta, Rendy Marsofiyati Marsofiyati Maulana Amirul Adha Mellani Indriyani Meta Bara Berutu Mohammad Akeyla Zedidiah Monoarfa, Terrylina Arvinta Mufida Ahmad, Alfi Muhammad Faisal Muhammad Fardiansyah Hendratama Muhammad Fathi Farhan Muhammad Fathurrahman Muhammad Fawaiq, Muhammad Muhammad Ferry Hidayat Muhammad Iqbal Nurdwiratno Muhammad Rafli Muhammad Yusuf Mulya, Rika Noviana Munawaroh Musyaffi, Ayatulloh Michael Nada, Shafwatun Nanda Melandri Nayla Zannata Mugni Nazwa Eka Putri Nazwa Jelita Soleha Nazwa Ramadhani Nida Auliyah Ningsih, Rifa Silviaty Nirmala Fauziah Nofriska Krissanya Nopridawati Norjanah, Nika Fitri Nugroho, Dwi Alam Nurshinta, Nurshinta Oktobisono, Anggriawan Paquita, Shiva Silvia Ponco Dewi Karyaningsih Pratiwi, Viyonila Prihastomo, Galih Prima, Resti Purwana E.S., Dedi Puspa Nuraini Putri Putri Kusumaningtyas, Daru Putri Nabila Putri Wahyuningsih Putrianna Radja Rafi Aryawira Rafi, Narendra Pakala Rahmadghani, Taufiq Rahmi Rahmi Raihan Kamilun Amin Rangga Aksara, Frenda Raniyah Kamilah Ranty Pratiwi Regina Humaningtyas Purba Renandia Chandra Putri Reysa Almaira Anandita Riansyah, Raisan Agus Rida Prihatni Rika Vebina Tarigan Riswandi Riswandi Riyadi, Salsabila Annisa Riza Azzahra Rizki Firdausi Rachma Dania Rizky, Ananda Mochammad Robith Ali Zain Musyafa Romanus Mando Fransius Silaen Roni Faslah Roni Faslah Rukmana, Amelda Elsa Ryna Parlina Ryna Parlyna Ryna Parlyna Ryna Parlyna, Ryna Safira Balqis Siahaan Samsul Jamaludin, Muhamad Saparuddin Mukhtar Sari, Rindi Nurlaila Seilatu, Novan Yonatan Septamasurya, Rafli Setyawan, Muhammad Dimas Arbi Shandy Aditya Shandy Aditya, Shandy Siti Nurlaela Solly Aryza Suherman Suherman Sulastri, Tita Suparman, Ady Fahril Suparno Suparno Suryadi Suryadi Suryadi, S. Susan Febriantina SUSAN FEBRIANTINA, SUSAN Syadin Alivia Yusuf Syaputri, Shyndy Syarifah Nadira Assegaf Syukur, Aris Muhamad Tasha Dwi Oktora Tasya Aqilah Teja Supraba Terrylina A. Monoarfa Terrylina Arvinta Monoarfa Teuku Rio Febrian Alfa Risky Tri Hesti Utaminingtyas Tri Nada Nisrina Tri Nada Nisrina Ulfah Zulkarnain, Nadia Umar Hasan Umar Hasan Umi Widyastuti Umi Widyastuti Usep Suhud Vannisa Fahrani Verry Febriansyah Vina Devi Yekti Irawan Vina Devi Yekti Irawan Vinia Auliya Wahyu Eka Pratiwi, Sovia Wardani, Cintya Kusuma Wibowo, Daniel Pungkas Prastia Widya Parimita, Widya Witanti Putri Anggreani Yahya Abdurrahman Adib Yeni Hesti Verawati Manurung Zaahidah, Asmaa Zakky Chaidar Zillah, Isfanz Ainu Zulianto, Wahyu