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All Journal Jurnal Pendidikan Sosiologi dan Humaniora Jurnal Mirai Management Jurnal Ilmiah Ekonomi Islam DIKTUM: Jurnal Syariah dan Hukum AL-MAIYYAH JIM UPB (Jurnal Ilmiah Manajemen Universitas Putera Batam) Jurnal Istiqro' Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Jurnal Hukum Ekonomi Syariah Journal on Education Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Review Pendidikan dan Pengajaran (JRPP) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Ulumuddin : Jurnal Ilmu-ilmu Keislaman Journal of Management and Business Innovations Community Engagement and Emergence Journal (CEEJ) Journal of Economic, Public, and Accounting (JEPA) Jurnal Ilmu Manajemen Profitability JURNAL MANAJEMEN DAN BISNIS EQUILIBRIUM El-kahfi : Journal of Islamic economics Al-Sharf: Jurnal Ekonomi Islam International Journal of Health, Economics, and Social Sciences (IJHESS) SOCIAL : Jurnal Inovasi Pendidikan IPS Jurnal Ar-Ribh Jurnal Penkomi : Kajian Pendidikan dan Ekonomi Jurnal Ekonomi dan Bisnis Transekonomika : Akuntansi, Bisnis dan Keuangan Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Banco: Jurnal Manajemen dan Perbankan Syariah Balanca : Jurnal Ekonomi dan Bisnis Islam Jurnal Riset Ilmu Ekonomi dan Bisnis Jurnal Al-Kharaj: Studi Ekonomi Syariah, Muamalah, dan Hukum Ekonomi Golden Ratio of Data in Summary Journal of Economics and Social Sciences DIKTUM: JURNAL SYARIAH DAN HUKUM Al-Iftah: Journal of Islamic studies and society Moneta: Jurnal Manajemen & Keuangan Syariah Economos : Jurnal Ekonomi dan Bisnis Ekalaya : Jurnal Ekonomi Akuntansi Al Rikaz : Jurnal Ekonomi Syariah RESLAJ: Religion Education Social Laa Roiba Journal Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan Horizon: Indonesian Journal of Multidisciplinary JER An-Nisbah: Jurnal Ekonomi Syariah Al-masharif: Jurnal Ilmu Ekonomi dan Keislaman Islamic Financial And Accounting Review Balance: Jurnal Ekonomi Natuja: Jurnal Ekonomi Syariah Jurnal At-Tanmiyah Ekonomi dan Bisnis Islam Oikonomia : Journal of Management Economics and Accounting Journal of Islamic Economy AL-MAIYYAH: Media Transformasi Gender dalam Paradigma Sosial Keagamaan Economics and Digital Business Review
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Price, Brand Image, and Promotion's Impact on Parepare City Online Transportation Customers Loyalty Annur, Destina Efri; Semaun, Syahriyah; Musmulyadi, Musmulyadi; Muliati, Muliati; Bahri, Andi
Journal of Management and Business Innovations Volume: 06, Number: 01, 2024
Publisher : Management Department Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/jombi.v6i01.23107

Abstract

The purpose of this study is to examine the variables that affect the loyalty of Parepare City's online transportation users, namely those who use Grab, Maxim, and Gojek. The research methodology combines an associative approach with quantitative descriptive research of the field study type. With a sample size of 90 samples and certain criteria, the population consists of the Parepare City Community users of Grab, Maxim, or Gojek. A Google Form questionnaire was utilised to collect data for the study. The study's findings indicate: Price and customer loyalty have an impact on each other, according to the t-test results, which indicate a value of 0.000 < 0.05. With a score of 0.000 < 0.05, brand image has an impact on customer loyalty. Additionally, there is a 0.007 < 0.05 correlation between customer loyalty and promotion. Additionally, according to the f test results, which indicate that the computed f value is higher than the f table where 52.912 > 2.71, it can be concluded that pricing, brand image, and promotion all significantly affect consumer loyalty either separately or in combination.Keywords: Brand Image, Customer Loyalty, Price, Promotion
Implementation of Good Corporate Governance towards Productive Zakat Distribution at BAZNAS Kab. Majene (Sharia Economic Review) Irmawati Irmawati; Darmawati Darmawati; Syahriyah Semaun; Muliati Muliati; Damirah Damirah
Jurnal Ilmu Manajemen Profitability Vol 9, No 1 (2025): FEBRUARY 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v9i1.15371

Abstract

This research analyzes the implementation of Good Corporate Governance towards the distribution of productive zakat in BAZNAS Kab. Majene (Sharia Economic Review). The aim of this research is to determine the productive zakat distribution system, the implementation of Good Corporate Governance and an overview of sharia economics at BAZNAS Kab. Majene. The research method used is a qualitative method. The research results show that (1). Management of productive zakat funds goes through the stages of planning, implementation, control (evaluation), reporting and accountability. Collecting productive zakat funds at BAZNAS BAZNAS Majene Regency is through socialization, forming zakat collection or payments that do not yet use application features to facilitate transactions between Muzakki and zakat Amil so that zakat Amil still use a manual system. (2). BAZNAS Kab. Manjene has implemented the principles of good corporate governance in the distribution of zakat funds. BAZNAS District. Manjene routinely provides open financial reports to the muzakki, divides the organizational structure and assigns tasks according to areas of expertise, zakat distribution is in accordance with the institutions responsible for the muzakki and the needs of the mustahik. (3). Distribution of productive zakat at BAZNAS Kab. In carrying out its duties, Manjene has implemented GCG, carried out its duties honestly, responsibly, disciplined and sincere, these characteristics are a description of the characteristics of tabligh, trust, fatonah and siddiq. The distribution of professional zakat is not fully in accordance with the Qur'an because it is mostly distributed to the poo.
Comparative Analysis of Bank Soundness Levels Using the RGEC Method at PT. Bank Muamalat and PT. Indonesian Sharia Bank Nurfadillah Nurfadillah; Andi Bahri S; Damirah Damirah; Syahriyah Semaun; Muliati Muliati
Jurnal Ilmu Manajemen Profitability Vol 9, No 1 (2025): FEBRUARY 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v9i1.17353

Abstract

Comparison between the health levels of Bank Muamalat , a national private bank, and Bank Syariah Indonesia, a state-owned enterprise, is based on their published 2022 annual financial statements. This study aims to assess the financial health of both banks and compare their health levels using the RGEC method (Risk Profile, Good Corporate Governance, Earnings, and Capital). The research employs a quantitative approach with a comparative field research type, focusing on financial health by analyzing financial performance in 2022 through the RGEC method. This study uses secondary data sourced from the 2022 annual reports of both banks, published by the Financial Services Authority (OJK). The findings indicate that Bank Muamalat performed well in liquidity and capital but needs improvement in profitability, particularly in return on assets. The composite rating for Bank Muamalat in 2022 was 68.57%, placing it in the PK-3 category, meaning it is 'Quite Healthy.' Bank Syariah Indonesia exhibited excellent performance in risk profile, capital, and operating margins. Its composite rating in 2022 was 74.28%, classifying it under the PK-2 category, meaning it is 'Healthy.' The different composite rankings suggest variations in financial health between the two banks. Future research is recommended to incorporate additional assessment factors and continue using the RGEC method to provide a more comprehensive evaluation of bank health.
Factors Influencing Consumptive Behavior of Students of UPT SMA Negeri 5 Parepare Nurhamida Nurhamida; Syahriyah Semaun; Firman Firman; Suarning Suarning; Damirah Damirah
Jurnal Ilmu Manajemen Profitability Vol 8, No 2 (2024): AGUSTUS 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/profitability.v8i2.13648

Abstract

A description of the consumer behavior of SMA Negeri 5 Parepare students is the aim of this research. Consumer behavior is the dependent variable, and financial literacy, hedonic lifestyle, and social environment are factors that influence it. Field research is a type of research whose research method uses quantitative descriptive research. The total population was 387 people, and 80 samples were taken. Questionnaires are used in research to obtain data. The research results show: Based on the results of the t test, it shows that there is an influence between Financial Literacy and Consumptive Behavior with a value of 0.000 0.05, so H1 is accepted. There is an influence of Lifestyle on Consumptive Behavior with a value of 0.001 0.05, so H2 is accepted. Furthermore, there is no influence between the Social Environment and Consumer Behavior with a value of 0.115 0.05, so H3 is rejected. Furthermore, the variable that most dominantly influences Consumptive Behavior is the Financial Literacy variable with a value of 0.868.
INFLUENCE OF ISLAMIC SOCIAL REPORTING (ISR) DISCLOSURE ON THE QUALITY OF PROFITS IN REGISTERED COMPANIES IN JAKARTA ISLAMIC INDEX (JII) Sadli, Nurhemifitrah; Semaun, Syahriyah; Sahara, Ira
Islamic Financial And Accounting Review Vol 2 No 2 (2024): Islamic Financial And Accounting Review
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v2i2.10604

Abstract

Islamic Social Reporting (ISR) is one way to demonstrate full disclosure in an Islamic context. Earnings quality refers to the extent to which a company's reported earnings reflect its true economic performance. This research aims to determine the influence of the independent variable, namely Islamic Social Reporting, on the dependent variable, namely Profit Quality, and to find out how big it isThe influence of Islamic Social Reporting disclosure on Profit Quality in companies listed on the Jakarta Islamic Index. This research uses research methodsquantitative, associative approach, with field research. The data used in this research is in the form of company annual reports on the Indonesia Stock Exchange for 2019-2021. In collecting data, this research uses two methods, namely count analysis and dummy variables. The analysis technique used is simple linear regression. The results of this research show that the Islamic Social Reporting disclosure score is more than 59%, which means that the disclosures made have reached more than 48 disclosure score items. Meanwhile, the average value of earnings quality reached 2.8388. The results of the Spearman rank correlation test show that there is a fairly strong relationship between the Islamic Social Reporting variable and earnings quality. The results of testing the coefficient of determination show that the ability of the independent variable in this study to influence the dependent variable is only 9.9%. Furthermore, the partial test results show that Islamic social reporting disclosure has a positive and significant effect on earnings quality with a significance value of 0.008 <0.05. By implementing Islamic Social Reporting, companies not only focus on achieving maximum profits, but also pay attention to the social and environmental impacts of their business activities. This can attract the interest of investors, especially Muslim investors, to invest in the company.
THE INFLUENCE OF GOOD CORPORATE GOVERNANCE ON COST OF EQUITY IN COMPANIES IN THE JAKARTA ISLAMIC INDEX (JII) INDONESIA STOCK EXCHANGE Riska; Damirah; Semaun, Syahriyah
Islamic Financial And Accounting Review Vol 1 No 2 (2023): Islamic Financial And Accounting Review (iFAR)
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v1i2.10657

Abstract

Good corporate governance is important in maintaining the integrity and sustainability of the company, including in a sharia-based business environment. This research aims to find out how good Good Corporate Governance is at companies listed on the Jakarta Islamic Index (JII) and the effect of implementing Good Corporate Governance on the Cost of Equity during the 2020-2022 period in companies listed on JII. Quantitative research method with an associative research approach, namely field research (Filed Research) using documentation techniques in the form of secondary data, annual reports and historical data of companies listed on the JII Indonesia Stock Exchange. The results of the research show that the Good Corporate Governance implemented by companies on the Jakarta Islamic Index (JII) during the 2020-2022 period is included in the good category in the analysis of the company's annual report and the shares are suitable for investment. The results of the Pearson correlation coefficient test were obtained at 0.639 (63.9%) indicating a strong and positive relationship that was significant at the significance level or Sig. (2-tailed) 0.04 and the test results from the partial test (t) show that the significant value is 0.004 <0.05 or the Sig t value is smaller than 0.05 so it can be concluded that the Good Corporate Governance variable has an effect on the Cost of equity.
The Effect of Cash Flow, Net Profit, And Dividend Policy on Stock Prices in Companies in The Jakarta Islamic Index (JII) : English Cakrah, Yuyun Andira; Musmulyadi, M.; Syahriyah Semaun; Emily Nur Saidy
Golden Ratio of Data in Summary Vol. 5 No. 3 (2025): May - July
Publisher : Manunggal Halim Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52970/grdis.v5i3.1103

Abstract

This study aims to analyze the effect of cash flow, net profit, and dividend policy on stock prices in the Jakarta Islamic Index (JII) companies from 2019 to 2023. The research method uses a quantitative approach with multiple regression analysis. The study results show that Cash Flow positively and significantly affects the Stock Price of companies listed in the Jakarta Islamic Index (JII) for 2019-2023. This is evidenced by the t-count value (2.389) > t-table (2.080) and the significance value of 0.026 < 0.05., Net Profit has been proven to positively and significantly influence the stock price. This conclusion is supported by the t-count value (2.603) > the t-table (2.080) with a significance of 0.016 < 0.05. The Spearman correlation also shows a strong positive relationship (0.712) with a significance of 0.000. The IV policy shows a positive and significant influence on the Stock Price, as evidenced by the t-count value (2,510) > t-table (2,080) and the significance of 0.020 < 0.05. The Spearman correlation showed a strong positive relationship (0.683) with a significance of 0.000. Moreover, simultaneously, the three independent variables significantly affected the Stock Price. This is shown by the value of F-count (18.147) > F-table (3.07) with a significance of 0.000 < 0.05. The coefficient of determination (R²) of 0.717 shows that the three independent variables can explain 71.7% of the stock price variation. In contrast, 28.3% is explained by other factors outside the research model that have satisfied all classical assumptions, including normality, multicollinearity, autocorrelation, and heteroscedasticity. The Chi-Square test also confirmed a significant relationship between all independent variables and the Stock Price. Thus, it can be concluded that this research model is valid and reliable in explaining the influence of cash flow, net profit, and dividend policy on stock prices in companies listed in the Jakarta Islamic Index (JII).
Analisis Deskriptif Kebijakan Pendanaan dalam Manajemen Keuangan Syariah Jumaini. S, Jumaini. S; Semaun, Syahriyah
Jurnal Ekonomi dan Bisnis Vol 17 No 1 (2025): JEB Vol 17 No 1 Januari 2025
Publisher : Sekolah Tinggi Ilmu Ekonomi Port Numbay Jayapura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55049/jeb.v17i1.386

Abstract

Penelitian ini membahas kebijakan pendanaan dalam manajemen keuangan syariah dengan fokus pada biaya ekuitas dan biaya utang. Sistem keuangan syariah berlandaskan prinsip larangan riba, gharar, dan maysir, yang membedakannya dari keuangan konvensional. Dalam keuangan syariah, pembiayaan berbasis ekuitas melalui mekanisme seperti mudharabah dan musyarakah menjadi alternatif utama, di mana pembagian keuntungan dan kerugian dilakukan secara adil. Penelitian ini juga mengkaji modifikasi model Capital Asset Pricing Model (CAPM) dalam investasi syariah, dengan mengganti tingkat bebas risiko (risk-free rate) berbasis bunga dengan imbal hasil sukuk sebagai alternatif yang halal. Hasil penelitian menunjukkan bahwa biaya ekuitas dalam keuangan syariah lebih dipengaruhi oleh risiko bisnis murni dan etika investasi, sementara biaya utang lebih berkaitan dengan margin keuntungan dari kontrak-kontrak berbasis syariah seperti murabahah dan ijarah. Selain itu, investasi berbasis syariah cenderung memiliki risiko sistematis yang lebih rendah karena menghindari sektor-sektor berisiko tinggi seperti perjudian dan alkohol. Kesimpulannya, keuangan syariah menawarkan struktur pendanaan yang etis dan berkelanjutan, yang dapat mendorong stabilitas keuangan dan kesejahteraan masyarakat.
The Role of Zakat in the Islamic Economy: A Case Study on Zakat Literacy in Parepare, Indonesia Alifkah, Ayu; Hannani, Hannani; Damirah, Damirah; Semaun, Syahriyah; Bahri, Andi
Jurnal Ilmu Manajemen Profitability Vol. 9 No. 2 (2025): AGUSTUS 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/9jdt6f62

Abstract

Zakat is not only an act of worship to Allah but also a vital instrument for enhancing social welfare when managed effectively. In Ajatappareng, the potential for zakat is substantial; however, actual collections have yet to meet targeted levels. This shortfall is largely attributed to limited understanding and awareness among potential payers. This study aims to examine the collaborative governance process in zakat management by BAZNAS Ajatappareng. The research adopts the collaborative process framework of Ansell and Gash, which includes four dimensions: initial conditions, leadership, institutional design, and collaborative process. A qualitative phenomenological approach was employed, with data collected through observation, interviews, and supporting documents. Informants were selected via purposive sampling, and data analysis followed three stages: reduction, presentation, and conclusion drawing. Findings indicate that while BAZNAS Ajatappareng has engaged in collaborative efforts with multiple stakeholders, certain aspects particularly human resource capacity and impact assessment remain suboptimal. The study recommends adopting best practices from other BAZNAS branches with proven success in zakat collection to strengthen future collaborative strategies.
Analysis of BAI' Muzayadah in the Auction of Collateral Items at the State Property and Auction Services Office (KPKNL) Imamah, Ayu Nur; Semaun, Syahriyah; Muliati, Muliati; Islamulhaq, Islamulhaq; Bahri, Andi
Jurnal Ilmu Manajemen Profitability Vol. 9 No. 2 (2025): AGUSTUS 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/qm3hmb84

Abstract

This study analyzes Bai’ Muzayadah in the auction of collateral assets at KPKNL Parepare. The objective of this research is to examine the implementation of collateral asset auctions at KPKNL Parepare based on the principles of Bai’ Muzayadah in Islamic economics and the collateral asset auction system from the perspective of Islamic economic law.  The research employs a descriptive qualitative method, categorized as field research. Data sources include primary data obtained through direct interviews at KPKNL Parepare and secondary data such as books, journals, and articles relevant to the topic. Data analysis techniques involve data collection, data reduction, data presentation, and conclusion drawing. The validity of the data is tested using source triangulation, technique triangulation, and time triangulation. The findings indicate that (1) the implementation of collateral asset auctions at KPKNL Parepare, from the perspective of Islamic economics, utilizes internet-based methods (e-auction) through open bidding and closed bidding systems. These systems incorporate mechanisms such as security deposits and minimum bidding limits. (2) The application of Islamic economic principles, including justice, transparency, and voluntary agreements in the auction process, aligns with the principles of transparency, legal certainty, and efficiency. Auction announcements are made via the website and leaflets. The auction process is conducted thoroughly to minimize errors, beginning with the preparation stage, auction determination, payment of participants’ security deposits, and the transfer of ownership or auction minutes as legal proof for the winning bidder. These practices are consistent with Islamic economic law principles and aim to promote societal welfare.
Co-Authors Abdul Halim Mahmud Abdul Hamid Abdullah Fauzan Adani S, Andi Putri Zahirah Ade Hastuti Ahmad Dzul Ilmi Syarifuddin Ainul Fatha Isman Ali, St Nurhayati Alifkah, Ayu An Ras Try Astuti An Ras Try Astuti Andi Ayu Frihatni Andi Ayu Frihatni Andi Bahri Andi Bahri Andi Bahri Andi Bahri S Andi Bahri S Andi Bahri S Andi Bahri S Andi Bahri S. Andi Bahri, Andi Andi Dinul Islam Firdaus Andi Muhammad Fawzy Ramadhan Anggi, Anggeryani Syam Annur, Destina Efri Arqam Arqam, Arqam Asia, Nurul Astuti, An Ras Try Ayu, Sinar Bahri, Andi Bahri. S, Andi Bunga, Purnamasari Cakrah, Yuyun Andira Citra Dewi Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah Damirah DAMIRAH DAMIRAH, DAMIRAH Darmawati Darmawati Darmawati Darmawati Darmawati Darwis Darwis Darwis darwis darwis, darwis Dewi Setiyawati Dewintara, Eka Eka Dewintara Emily Nur Saidy Fadhliyah Ulfah Rustan Fatmawati, Fatmawati Firman Firman Firman Firman Firman Frihatni, Andi Ayu Gusnawati Nurbaba Gusnawati Unna Gustia Gustia Gustia H, Muh Ilyas Halfiah Rustamin Hannani Hikmawati hilda, Evi Andriana Hj. Muliati Hj. St Nurhayati Husnul Khatimah Husnur Raja' Idris, Mahsyar Imamah, Ayu Nur Irmawati Irmawati Irmawati Irmawati Islamul Haq Islamul Haq Islamulhaq, Islamulhaq Isma Wulandari Pryatna Jumaini. S, Jumaini. S Juneda Juneda Juneda, Juneda Kamal Zubair, Muhammad Kartika Sabir Kurniawan, Andis lukman, nurhidaya M. Rafly Al Farezy Arif Mahsyar , Mahsyar Mahsyar, Mahsyar Marhani Marhani MARIA BINTANG MIftahul Jannah Minhajuddin Madi Moh. Yasin Soumena Muh. Ahsan Kamil Muh. Akbar Muhammad Ilham Muhammad Kamal Zubair Muhammad Kamal Zubair, Muhammad Kamal Muhammad Said Muhammad Suras Muhammad Taqdir Muhammadun , Muzdalifah Muliati Muliati Muliati Muliati Muliati Muliati Muliati Muliati, Muliati Muliati, Muliati Murhim, Murhim Mus Mulyadi Musakkir , Musakkir Musdalifah Musdalifah Musmulyadi Musmulyadi, Musmulyadi Musyarif Musyarif, Musyarif Mutmainna, Mutmainna Muzdalifah Muhammadun Muzdalifah Muhammadun Muzdalifah Muhammadun Muzdalifah Muhammadun, Muzdalifah Ni Wayan Lia Apriani Nilam Cahya Nur Afni Nurfadhilah, Nurfadhilah Nurfadilah Sindika Sari Nurfadillah Nurfadillah Nurfadillah Nurfadillah Nurhamida Nurhamida Nurhamida Nurhamida, Nurhamida Nurhayati, St. Nurul Asia Nurul Asmi Pratiwi Nurwijayanti Patmawati, Andi Kiki Puti Mandasari Putri, Winda Reskiyan Rachman, Mawaddah Rahman Rahman Rahmatika Rahim Rahmatillah, Sri Fatimah RAHMAWATI RAHMAWATI Raidatul Umanah Rasyid, St. Cheriah Rini Purnamasari Riska Risman Rusanda Rukiah Rukiah S, Andi Bahri Sadli, Nurhemifitrah Safwa Al Zafitri SAHABUDDIN SAHABUDDIN Sahara, Ira Sahrani, Sahrani Sahriani Sardia Sarmila, Sarmila Serliyana Serliyana Shonia Moons Siti Nuraeni Sitti Jamilah Amin Sitti Jamilah Amin Sitti Jamilah Amin Sri Fatimah Rahmatillah St Aminah St Aminah St. Aminah St. Aminah St. Aminah St. Aminah St. Nurhayati St. Nurhayati Suarning Suarning Suarning Suarning, Suarning Sumi Susianti, Susianti Syamsul Ma&#039;arif Umar, Umrah Yani Widodo, Uun Purwati Wisnu Wardana, Wisnu Yulia Faradhiba Zyahratul Wilda