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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
Syahriyah Semaun
Institut Agama Islam Negeri Parepare
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Nursing Public Health Social Sciences Other

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PERSEPSI PEGAWAI NEGERI SIPIL KEMENTERIAN AGAMA PADA PRODUK BANK SYARIAH DAN RELEVANSINYATERHADAP INKLUSI KEUANGAN DI KABUPATEN PANGKEP Murhim, Murhim; Semaun, Syahriyah; Haq, Islamul
SOCIAL : Jurnal Inovasi Pendidikan IPS Vol. 5 No. 3 (2025)
Publisher : Pusat Pengembangan Pendidikan dan Penelitian Indonesia (P4I)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51878/social.v5i3.6941

Abstract

The purpose of this article is to analyse the perceptions of civil servants at the Ministry of Religious Affairs towards Islamic banking products available in Pangkep Regency. The research method used in this study is qualitative. The type of research used is field research. The study's results indicate that, despite facing challenges such as strict bureaucracy, limited understanding among informants, and potential social bias in responses, civil servants at the Ministry of Religion in Pangkep Regency hold positive perceptions of Islamic banking products. However, despite these limitations, the interview results indicate an appreciation for Sharia principles, product transparency, and the commitment of Islamic banks to provide financial services that align with Islamic values. This study not only enriches the scientific knowledge on civil servants' perceptions of Islamic financial products but also serves as a positive foundation for improving financial literacy, encouraging more responsive product innovation, and strengthening the role of Islamic banks as ethically based financial inclusion instruments. With a wise and cautious approach, the author hopes that these findings can contribute meaningfully to the sustainable development of the Islamic economy in Indonesia. ABSTRAKTujuan dari artikel ini adalah untuk menganalisis persepsi Pegawai Negeri Sipil di Kementerian Agama terhadap produk bank syariah yang tersedia di Kabupaten Pangkep. Metode penelitian yang digunakan dalam penelitian ini adalah metode kualitatif. Jenis penelitian yang digunakan adalah penelitian lapangan atau Field Research. Hasil penelitian menunjukkan bahwa; persepsi Pegawai Negeri Sipil di Kementerian Agama Kabupaten Pangkep terhadap produk bank syariah, meskipun dihadapkan pada tantangan birokrasi yang ketat, keterbatasan pemahaman informan, dan potensi bias sosial dalam jawaban. Namun, di balik keterbatasan tersebut, hasil wawancara menunjukkan adanya apresiasi terhadap prinsip syariah, transparansi produk, dan komitmen bank syariah dalam menyediakan layanan keuangan yang sesuai dengan nilai-nilai Islam. Penelitian ini tidak hanya memperkaya khazanah ilmiah tentang persepsi PNS terhadap produk keuangan syariah, tetapi juga menjadi dasar positif untuk meningkatkan literasi keuangan, mendorong inovasi produk yang lebih responsif, serta memperkuat peran bank syariah sebagai instrumen inklusi keuangan berbasis etika. Dengan pendekatan yang bijak dan penuh kehati-hatian, penulis berharap temuan ini dapat memberi kontribusi nyata bagi pengembangan ekonomi syariah yang berkelanjutan di Indonesia.  
Disorientasi Moral sebagai Tantangan Etika Bisnis dalam Transformasi Ekonomi Digital lukman, nurhidaya; Syahriyah Semaun
Sipakainge: Inovasi Penelitian, Karya Ilmiah, dan Pengembangan (Islamic Science) Vol 3 No 7 (2025): Edisi Khusus Perbankan (Juli)
Publisher : IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/sipakainge.v3i7.14141

Abstract

ABSTRAK Transformasi ekonomi digital telah menciptakan peluang besar dalam dunia bisnis, namun juga menimbulkan tantangan etis yang signifikan, salah satunya adalah disorientasi moral. Fenomena ini menggambarkan situasi ketika pelaku bisnis kehilangan kejelasan dalam membedakan tindakan yang etis dan tidak etis akibat tekanan sistem digital yang cepat dan kompleks. Dalam konteks Indonesia, percepatan digitalisasi belum sepenuhnya diiringi dengan penguatan nilai moral dan regulasi yang adaptif, sehingga memunculkan risiko penyimpangan etika dalam praktik bisnis digital. Studi ini bertujuan untuk menganalisis disorientasi moral dalam ekonomi digital dan mengeksplorasi kontribusi prinsip-prinsip etika bisnis syariah sebagai pendekatan alternatif untuk mengatasi tantangan tersebut. Melalui studi literatur yang komprehensif, artikel ini menemukan bahwa integrasi nilai-nilai Islam dalam etika bisnis digital dapat menjadi fondasi penting bagi pembangunan ekosistem digital yang berkeadilan, transparan, dan bertanggung jawab secara sosial. Kajian ini memberikan kontribusi teoritis dalam memperkaya diskursus etika bisnis kontemporer serta implikasi praktis dalam perumusan kebijakan bisnis digital berbasis nilai.
Strategies for Preventing Prohibited Transactions in Islamic Digital Finance: A Reflection on Riba, Gharar, and Maysir Asia, Nurul; Semaun, Syahriyah
El-kahfi | Jurnal Ekonomi Islam Vol 6 No 02 (2025): Islamics Economics
Publisher : Sekolah Tinggi Ekonomi Syariah Manna Wa Salwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58958/elkahfi.v6i02.591

Abstract

The rapid expansion of digital financing products presents both opportunities and challenges to maintaining compliance with Islamic financial principles, especially concerning prohibitions against riba and gharar. This study analyzes Islamic financial management strategies to prevent non-compliant transactions within the digital financing ecosystem. Using a qualitative literature approach combined with thematic analysis of academic works, fatwas, and regulatory documents, the study identifies five dominant factors influencing sharia compliance: contractual clarity, information transparency, internal supervision, technological integration, and user literacy regarding digital contracts and transaction risks. The thematic analysis further revealed that institutions applying integrated monitoring and user education frameworks demonstrate higher compliance levels than those relying solely on contractual formalities. The findings suggest the necessity of a measurable Islamic financial management model that aligns contract design, risk control, and technology-based supervision to ensure that digital financing products are not only sharia-compliant but also effective in achieving the objectives of maqāṣid al-syarī‘ah.
Analisis Dampak Pemberdayaan Ekonomi pada Program DD Farm dalam Meningkatkan Pendapatan Mustahik Muh. Ahsan Kamil; Syahriyah Semaun; Rachmat Sugeng; Ainul Fatha Isman; Abdullah Fauzan
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 9 No 2 (2025)
Publisher : Universitas Islam Negeri Alauddin Makassar

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

Abstract

There are various zakat-based economic empowerment models managed by amil zakat institutions in Indonesia, one of which is the Dompet Dhuafa Farm program. It uses a quantitative method, with data collection techniques such as interviews and documentation. The data obtained was analysed using the Wilcoxon t-test. The findings of this study are that the DD Farm program's mustahik economic empowerment model creates a livestock business by appointing mustahik as stable employees who manage on-farm and of farm processes so that they get a steady income. The results of the Wilcoxon t-test show that Mustahik's income was different before and after working in the DD Farm program. The DD Farm empowerment model has a positive impact on increasing mustahik income but is not yet perfectly adequate because some mustahiks still have incomes below the regional minimum wage.
Good Corporate Governance Optimizing Community Awareness in the Distribution of ZIS Khatimah, Husnul; Idris, Mahsyar; S, Andi Bahri; Semaun, Syahriyah; Suarning, Suarning
Jurnal Ar-Ribh Vol. 8 No. 2 (2025): October 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/8be2v698

Abstract

This study examines how the implementation of Good Corporate Governance (GCG) principles enhances community awareness in the distribution of Zakat, Infaq, and Sadaqah (ZIS) through ZIS management literacy at BAZNAS Enrekang Regency, Indonesia. Using a descriptive qualitative approach with a case study design, data were collected through in-depth interviews, observation, and documentation involving BAZNAS administrators, sub-district zakat collection units (UPZ), muzakki (donors), and mustahik (beneficiaries). The results reveal that BAZNAS Enrekang applies GCG principles—transparency, accountability, responsibility, independence, and fairness—in managing ZIS funds. Transparency is realized through regular financial reporting and open access to information, while accountability is ensured by internal and external audits. However, limited community literacy regarding ZIS management reduces understanding and participation in zakat programs. To overcome this, BAZNAS conducts literacy campaigns, simplifies financial information, and involves muzakki in verification and distribution processes. The findings highlight that strengthening GCG-based literacy programs is essential to increase public trust, awareness, and active involvement in ZIS distribution. This study contributes to the literature on Islamic social finance governance by linking corporate governance mechanisms with public literacy and engagement outcomes.
Village Financial System, Accountability, Transparency, and Sharia Economic Analysis Fatmawati, Fatmawati; Semaun, Syahriyah; Astuti, An Ras Try; Muhammadun, Muzdalifah; Bahri, Andi
Jurnal Ar-Ribh Vol. 8 No. 2 (2025): October 2025
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/5knnyg22

Abstract

This research analyzes the Islamic Economic Analysis of Accountability and Transparency of the Village Financial System (SISKEUDES) in Cempa Pinrang District. The purpose of this research is to analyze the implementation of accountability, identify the level of transparency, and conduct an Islamic Economic Analysis of the Village Financial System (SISKEUDES) in Cempa Pinrang District. The research method used is descriptive qualitative. This type of research is field research. This research approach employs a case study approach. The data sources used are primary data in the form of direct interviews with village officials, the community, and secondary data in the form of books, journals, and articles related to the discussed topic. The results of this research show: 1). Overall, Siskeudes has successfully improved various aspects of accountability in village financial management, although it is important to continue monitoring it. This system encourages honesty and legal compliance, makes financial processes more orderly and easier to supervise, and makes the planning and implementation of village programs and policies more transparent with active support from the community and the BPD. 2). The transparency of Village Funds in Cempa Pinrang District is good in providing data. However, the main issue is that the community still has difficulty understanding information that is too technical and not all residents have equal access. Therefore, true transparency means that information must be easy to understand and accessible to everyone, so that accountability in the use of Village Funds can truly be realized3). Siskeudes has reinforced the principles of Islamic economics in village financial management: encouraging honesty (Siddiq) in data, enhancing responsibility (Amanah) through transparency and oversight, and honing the intelligence (Fathonah) of village officials in digital administration. However, the main challenge of Tabligh (information dissemination) is to ensure that transparent data can be easily understood and accessed by all layers of society, so that transparency truly empowers and encourages public participation.
Critical Study on Bekerja Program Implementation as Economic Empowerment: Sharia Economic Perspective H, Muh Ilyas; Idris, Mahsyar; Semaun, Syahriyah; Ali, St Nurhayati; Damirah, Damirah
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.11021

Abstract

The research aims to assess BEKERJA program's effectiveness in reducing poverty in Salutambung Village by providing farm animals. It evaluates the program's impact on economic empowerment, food security, and its alignment with Islamic economic principles, while addressing challenges like resource misallocation and dependency. The research methodology involves qualitative analysis to evaluate the program's impact in Salutambung Village through interviews and observations as field research. Data collection includes examining economic empowerment, food security, collaboration with Social Affairs Department, and alignment with Islamic economic principles. The study concludes that the BEKERJA program effectively reduces poverty by providing livestock to needy households, enhancing economic empowerment and food security. The program's collaboration with the Social Affairs Department has improved community welfare and economic conditions. However, some social assistance programs, including BEKERJA, face challenges such as resource misallocation and lack of technical support. The research lacks analysis that could contribute to further improving BEKERJA program
The Impact of Productive Zakat on Improving the Welfare ofMustahik Micro EnterprisesAt the National ZakatAmil Agency (BAZNAS) Parepare City Rachman, Mawaddah; Semaun, Syahriyah; Suarning, Suarning; Mahsyar, Mahsyar; Zubair, Muhammad Kamal
Jurnal Ar-Ribh Vol. 7 No. 1 (2024): April 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jei.v7i1.13911

Abstract

This  researchaimsto  analyze  the  methods  and  effect  of  effective  zakat  on  improving  the  welfare  of  mustahik  micro  groupsat  the Parepare metropolis country  wide  Zakat  Amil  organization.  This  studieschanged  intoexecuted  to  BAZNAS  leaders  to  find  outproductive  zakat  tactics,  even  as  to  mustahik  to  find  out  the  impact  on  improving  the  welfare  of  mustahik  micro-firms.  by  way  ofusing  qualitative  studiesmethods  and  subjectresearchtypes,  as  well  asthe  use  of  a  case  take  a  look  atresearchtechnique.  The statisticsobtainedmay  be  concluded  that  commercial  enterprise  capital  from  effective  zakat  given  to  mustahik  can  enhance  the  welfare  of  mustahik  micro-businesses.  the  extent  of  mustahik  welfare  is  seen  from  al-Ghazali's  approach,  particularly  welfare  primarily  based  on  ad-Diin,  an-Nafs,  al-Aql,  an-Nahl,  and  al-Mall.
Peran Akuntansi Zakat terhadap Transparansi dan Akuntabilitas di Lembaga Amil Zakat Muhammadiyah Kota Parepare Nurhamida; Idris, Mahsyar; Semaun, Syahriyah
Reslaj: Religion Education Social Laa Roiba Journal Vol. 6 No. 4 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i4.1148

Abstract

This research employs a qualitative, descriptive research approach. The primary data sources consist of employees from LAZISMU Parepare City and representatives of the muzakki, while secondary data include necessary documents from LAZISMU Parepare City. The researcher, assisted by interview guides, documents, and a mobile phone for documentation and recording processes, acts as the research instrument. The research findings indicate that (1) LAZISMU Parepare City has been following PSAK No. 109 in its accounting processes as instructed by LAZISMU Central. Despite not yet adopting the latest revisions of PSAK No. 109 in its financial reporting process, LAZISMU Parepare City is committed to implementing the revised PSAK No. 109 in the near future. (2) In efforts to enhance transparency and accountability, LAZISMU has reported its financial statements to internal stakeholders, including muzakki who are civil servants, and has undergone audit processes by both external auditors and the Ministry of Religious Affairs. However, LAZISMU Parepare City has not reported its financial statements to external parties, particularly the wider community and non-civil servant muzakki. (3) The compliance of LAZISMU Parepare City's financial statements with Sharia principles outlined in Surah Al-Baqarah: 282 meets the criteria, as confirmed by the Sharia compliance audit conducted by the Ministry of Religious Affairs. Nevertheless, certain points in the process need to be adjusted to align with the current conditions of Parepare City.
Critical Study on Bekerja Program Implementation as Economic Empowerment: Sharia Economic Perspective H, Muh Ilyas; Idris, Mahsyar; Semaun, Syahriyah; Ali, St Nurhayati; Damirah, Damirah
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 12, No 1 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v12i1.11021

Abstract

The research aims to assess BEKERJA program's effectiveness in reducing poverty in Salutambung Village by providing farm animals. It evaluates the program's impact on economic empowerment, food security, and its alignment with Islamic economic principles, while addressing challenges like resource misallocation and dependency. The research methodology involves qualitative analysis to evaluate the program's impact in Salutambung Village through interviews and observations as field research. Data collection includes examining economic empowerment, food security, collaboration with Social Affairs Department, and alignment with Islamic economic principles. The study concludes that the BEKERJA program effectively reduces poverty by providing livestock to needy households, enhancing economic empowerment and food security. The program's collaboration with the Social Affairs Department has improved community welfare and economic conditions. However, some social assistance programs, including BEKERJA, face challenges such as resource misallocation and lack of technical support. The research lacks analysis that could contribute to further improving BEKERJA program
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'arif Umar, Umrah Yani Widodo, Uun Purwati Wisnu Wardana, Wisnu Yulia Faradhiba Zyahratul Wilda