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IMPLEMENTASI MULTI AKAD PRODUK GADAI EMAS DI PT BANK SYARIAH INDONESIA TBK KANTOR CABANG MAMUJU (TINJAUAN EKONOMI SYARIAH) Sahabuddin, Sahabuddin; Mahsyar , Mahsyar; Damirah, Damirah; Semaun, Syahriyah; S, Andi Bahri
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 3 (2024): Vol. 7 No. 3 (2024): Volume 7 No 3 Tahun 2024 (Special Issue)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i3.30963

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana pengimplementasian multi akad gadai emas serta mengetahui alur proses transaksi gadai menurut pandangan ekonomi syariah pada PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju. Metode yang digunakan dalam penelitian ini adalah metode deskriptif kualitatif menggunakan pendekatan studi kasus. Sumber data dalam penelitian ini terdiri atas sumber data primer dan sumber data sekunder. Penelitian ini dilaksanakan di Lokasi penelitian ini adalah PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju Yang Jl Urip Sumoharjo No 44 kel. Karema Kec. Mamuju Kab. MAmuju Sulawesi Barat. Subjek peneltian ini berjumlah 19 orang yang terdiri dari 4 orang Pegawai dan 15 orang Nasabah. Hasil penelitian menunjukkan bahwa PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju merupakan hasil merger tiga bank syariah anak Perusahaan Bank BUMN yaitu BSM, BNIS dan BRIS. PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju dari ex BSM dimana sebelum merger sudah memiliki konter layanan gadai dan konter layanan gadai inilah yang berlanjut sampai saat ini. Skema multi akad yang digunakan adalah skema tiga akad yaitu rahn sebagai pengikatan jaminan emas qard sebagai akad pinjaman dan ijarah sebagai akad pengenaan biaya titipan (mu’nah) dalam penerapa akadnya dicantumkan dalam SBGE dan ditandatangani nasabah dengan petugas bank. Gadai memiliki beberapa tahapan transaksi yaitu tahap awal proses pencairan kemudian proses penyinpanan agunan proses perpanjangan dan yang terakhir proses pelunasan gadai emas. Dalam penerapannya gadai emas harus sesuai dengan prinsip prinsip ekonomi islam yaitu ketauhidan kemaslahatan dan prinsip keadilan sesuai dengan syariat Islam dan tertuang dalam Al-Qur’an maupun Hadist. Hasil penelitian menunjukkan keseluruhan proses transaksi multi akad gadai emas pada PT Bank Syariah Indonesia Tbk Kantor Cabang Mamuju sudah sesuai dengan prinsip hukum ekonomi syariah.
STRATEGI PEMBERDAYAAN MASYARAKAT DAN PENGELOLAAN LINGKUNGAN MELALUI PROGRAM BANK SAMPAH DI KOTA PAREPARE Ayu, Sinar; Semaun, Syahriyah; Muliati, Muliati; Suarning, Suarning; S, Andi Bahri
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 3 (2024): Vol. 7 No. 3 (2024): Volume 7 No 3 Tahun 2024 (Special Issue)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i3.31550

Abstract

Penelitian ini bertujuan untuk menganalisis strategi pemberdayaan masyarakat dan pengelolaan lingkungan melalui program bank sampah di Kota Parepare. Penelitian ini menggunakan pendekatan kualitatif dengan metode studi kasus. Data dikumpulkan melalui wawancara, observasi, dan dokumentasi, serta dianalisis menggunakan model interaktif dari Miles dan Huberman. Hasil penelitian menunjukkan bahwa program bank sampah di Kota Parepare berhasil meningkatkan partisipasi masyarakat dalam pengelolaan sampah dan memberikan manfaat ekonomi bagi masyarakat. Terdapat 12 bank sampah aktif yang beroperasi di berbagai kelurahan, yang berfungsi sebagai tempat pengumpulan sampah yang telah dipilah sebelum dijual atau didaur ulang. Partisipasi masyarakat dalam program ini cukup signifikan, dengan beberapa nasabah menyatakan bahwa program ini membantu mengelola sampah rumah tangga dan memberikan tambahan penghasilan. Namun, program ini masih menghadapi kendala seperti rendahnya kesadaran masyarakat dan keterbatasan fasilitas. Rekomendasi yang diberikan termasuk peningkatan fasilitas, edukasi dan sosialisasi, kolaborasi dengan sektor swasta, dan pemberian insentif kepada masyarakat yang berpartisipasi aktif. Dengan demikian, diharapkan program bank sampah di Kota Parepare dapat berjalan lebih efektif dan memberikan manfaat yang lebih besar bagi masyarakat dan lingkungan
PENGARUH FINANCIAL LITERACY DAN INVESTMENT PLATFORM TERHADAP MINAT BERINVETASI PADA PASAR MODAL SYARIAH (Studi Generasi Millenial Kota Parepare): (Studi Generasi Millenial Kota Parepare) Wardana, Wisnu; Suarning, Suarning; Kamal Zubair, Muhammad; Semaun, Syahriyah; Muliati, Muliati
Jurnal Istiqro Vol. 10 No. 1 (2024): Januari 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i1.2824

Abstract

Investment is a component that is used as a standard for measuring economic growth in a country. The high and low level of investment in a country will greatly affect the cycle and economic activity in the country. One of the investment instruments that is increasingly in demand by the public today is the capital market, including the Islamic capital market. This is based on the phenomenon of increasing the number of investors in the Islamic capital market, especially during the Covid-19 pandemic which is dominated by millennials and z generations. The increase in the number of millennial generation investors is supported by increasing awareness of financial literacy. Another supporting factor is the development of technology and information systems that make it easier to invest in investment platforms that can be accessed on gadgets. So the purpose of this study is to provide an overview of the interest of the millennial generation of Parepare City to invest in the Islamic capital market. The influencing factors are financial literacy and investment platform as independent variables and investment interest in the Islamic capital market as a dependent variable. The research method uses quantitative descriptive research with the type of Field Research research (field research). The population in this study is the millennial generation of Parepare City, with a sample of 100 people. Based on the results of data analysis, financial literacy variables positively affect the interest of the millennial generation to invest in the capital market. The investment platform variable has a positive effect on the millennial generation's interest in investing in the Islamic capital market.
IMPLEMENTASI PERATURAN WALIKOTA PAREPARE NO. 7 TAHUN 2018 TENTANG EFEKTIVITAS AKUNTABILITAS PENGELOLAAN ZAKAT DI BAZNAS PAREPARE Sarmila, Sarmila; Mahsyar, Mahsyar; Muliati, Muliati; Semaun, Syahriyah; Musyarif, Musyarif
Jurnal Istiqro Vol. 10 No. 2 (2024): Juli 2024
Publisher : Universitas KH. MUkhtar Syafaat (UIMSYA) Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/istiqro.v10i2.2832

Abstract

This thesis discusses the implementation of Parepare City Regulation No. 7 of 2018 regarding the effectiveness of accountability in zakat management at BAZNAS Parepare. The purpose of this research is to determine the implementation of Mayor Regulation No. 7 of 2018 on the effectiveness and accountability of zakat management at the National Amil Zakat Agency (BAZNAS) in Parepare City. The research method used is qualitative research with a field research design. The number of informants in this study was 3 people from BAZNAS, and the data collection techniques included observation, interviews, and documentation. Data analysis employed data reduction, presentation, and conclusion drawing. The results of this research indicate that: 1) The implementation of Mayor Regulation No. 7 of 2018 on zakat management at BAZNAS Parepare has been carried out well in accordance with legal provisions for zakat management. BAZNAS has demonstrated commitment to accountability and transparency by integrating open reporting mechanisms that are easily accessible and comply with Sharia principles. 2) The effectiveness of zakat management at BAZNAS Parepare shows effective management, as evidenced by an open and easily accessible reporting system for the public, and BAZNAS's ability to ensure that zakat funds are distributed appropriately in accordance with Sharia principles and community needs. 3) Accountability in zakat management at BAZNAS Parepare indicates that BAZNAS Parepare has shown a high level of accountability in zakat management. The independent audit process validates BAZNAS's performance in ensuring compliance with accounting standards and Sharia provisions, demonstrating BAZNAS's seriousness in maintaining transparency and integrity, and making zakat management responsive to community needs
PENGARUH KARAKTERISTIK PEMASARAN SYARIAH TERHADAP BUNGA TABUNGAN NASABAH DI BANK SYARIAH INDONESIA CABANG MAKASSAR Semaun, Syahriyah; Rasyid, Siti; Musmulyadi, Musmulyadi
Jurnal Riset Bisnis dan Manajemen Vol. 16 No. 2 (2023): August Edition
Publisher : Faculty of Economic and Business, University of Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jrbm.v16i2.7385

Abstract

The study aims to measure, investigate, and examine how Islamic This study aims to determine the influence of the characteristics of Sharia Marketing which consists of Theistic (Rabbaniyyah), Ethical (Akhlaqiyyah), Realistic (Al-Waqi'yyah) and Humanistic (Al-Insaniyyah) variables on the interest in saving and to find out the dominant variable that simultaneously influences the characteristics of Sharia Marketing on the interest in saving. This is a quantitative research with descriptive method. The data collection by distributing questionnaires. The methods used to test the hypothesis is Multiple Regression Analysis. The results are: (1)the variable Theistic (Rabbaniyyah), Ethical (Akhlaqiyyah), and Realistic (Al-Waqi'yyah) has a positive and insignificant influence on the variable of interest in saving, (2)the variable Humanistic (Al-Insaniyyah) has a positive and significant influence on the variable of interest in saving and the variable Humanistic (Al-Insaniyyah) has the most dominant influence simultaneously on interest in saving. That influence can be interpreted by increasing customer interest in saving at Bank Syariah Indonesia.
Analysis of M-Banking Service Factors on Customer Satisfaction at Indonesian Sharia Banks Kc Mamuju Mandasari, Puti; Muhammadun, Muzdalifah; Semaun, Syahriyah; Aminah, St; S, Andi Bahri
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.13959

Abstract

Business competition in the banking sector is now increasingly fierce, both in domestic and international markets. The quality of customer service is the main key for banking companies to maintain customer trust and satisfaction. In providing optimal service, the bank integrates technology through Mobile Banking (m-banking) services to meet customer needs. This research aims to evaluate the influence of various aspects of m-banking, such as system security, company credibility, ease of use, and speed on customer satisfaction at Bank Syariah Indonesia KC Mamuju. Quantitative research methods were used by collecting data through questionnaires to 94 respondents. The research results show that the variables of system security, company credibility, and m-banking speed positively influence customer satisfaction, with a joint influence reaching 56.4%. Multiple linear regression analysis shows that system security (X1), company credibility (X3), and speed (X4) have a significant positive influence on customer satisfaction (Y). The resulting regression equation is Y = 2.624 + 0.227 X1 + 0.211 X3 + 0.407 X4 + e. Thus, it can be concluded that the higher the quality of m-banking services, the greater customer satisfaction at Bank Syariah Indonesia KC Mamuju will increase. However, there were 2% complaints, indicating that improvements are still needed to improve the m-banking user experience.
Micro, Small and Medium Enterprise Strategies for Women in Facing Competition in Bacukiki District, Parepare City Dewintara, Eka; Aminah, St.; Semaun, Syahriyah; Muliati, Muliati; S, Andi Bahri
Jurnal Ekonomi Balance Vol. 20 No. 2 (2024): Desember 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i2.14021

Abstract

This research discusses the strategies of women's micro, small and medium enterprises in facing competition in Bacukiki sub-district, Parepare city. This research is descriptive qualitative research with a type of field research, phenomenological research approach. The main problem in this research is how women's micro, small and medium enterprises face competition in Bacukiki sub-district, Parepare city. It was found that women in micro, small and medium enterprises in the Bacukiki subdistrict of Parepare city had high motivation in running their businesses. It can be seen that women run businesses because of their hobbies, dreams of owning a business and becoming successful entrepreneurs and wanting to help the family economically. The steps taken by women so that their business continues to run as desired are that they carry out regular evaluations, both monthly and weekly evaluations, then seek more knowledge about the business they are running so that their business can develop further, and they determine their target market, carry out planning and provide promotions or discounts to consumers.
Implementation of Policy Regarding Distribution of BLT for Extreme Poverty in Tambolongan Village, District. Bontosikuyu District. Selayar Patmawati, Andi Kiki; Mahsyar, Mahsyar; Damirah, Damirah; Muliati, Muliati; Semaun, Syahriyah
Jurnal Ekonomi Balance Vol. 20 No. 1 (2024): June 2024
Publisher : Perpustakaan dan Penerbitan Unismuh Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/jeb.v20i1.15303

Abstract

Policy implementation is any action taken by the government, both individually and in groups, to achieve a goal. Extreme poverty generally means the inability of a community to meet basic needs such as food, drinking water, proper sanitation, health, housing, education and access to information about income and social services. The purpose of this research is the BLT program to help households that are vulnerable to the impact of the Covid-19 pandemic. Qualitative descriptive research method. Primary data comes from direct interviews with direct beneficiaries of extreme poverty in Tambolongan village. The results of this study are: (1) The village government in determining extreme poverty communities still refers to Perkades 01 of 2023 which as been agreed upon with community leaders.    (2). Policy implementation carried out by the Tambolongan Village government includes communication, implementing attitudes, bureaucratic structure, and resources. The team involved in the policy of distributing Aid to extreme poverty communities is the implementing team carrying out the Fund Budgeting proposed by the coaching team for evaluation. After that, the Village Fund is ready to be distributed to people of extreme poverty. (3). The concept of economic empowerment for the people guided by the Al-Qur'an lies in the utilization and distribution of wealth evenly which is carried out properly and correctly. There are two provisions recommended in the    Al-Qur'an, the first is the command to provide assistance to the poor through infaq, alms and orders to feed the poor (ṭa'am almiskin), apart from being a form of first aid to the poor to maintain their survival, it can also It is understood that this is one way of Islam in empowering poverty
MODEL PERILAKU KONSUMEN MUSLIM DALAM PERSPEKTIF TEORI UTILITY ISLAM: IMPLIKASI TERHADAP TABUNGAN DAN INVESTASI SYARIAH Anggi, Anggeryani Syam; Syahriyah Semaun
Moneta: Jurnal Manajemen & Keuangan Syariah Vol 4 No 1 (2025): MONETA : Jurnal Manajemen dan Keuangan Syariah
Publisher : Program Studi Manajemen Keuangan Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/moneta.v4i1.15259

Abstract

Penelitian ini bertujuan untuk menganalisis dan membangun model perilaku konsumen Muslim dalam perspektif Islamic utility serta menelaah implikasinya terhadap tabungan dan investasi syariah. Fokus utama kajian ini adalah bagaimana nilai-nilai spiritual seperti keberkahan (barakah), amanah, dan maslahah dapat direkonstruksi sebagai bagian integral dari fungsi preferensi ekonomi konsumen Muslim yang selama ini didominasi oleh paradigma utilitas konvensional. Metode penelitian yang digunakan adalah pendekatan kepustakaan (library research) dengan analisis tematik, di mana berbagai literatur ekonomi Islam, teori perilaku konsumen, serta hasil penelitian empiris dianalisis secara mendalam untuk mengidentifikasi tema-tema konseptual utama. Hasil penelitian menunjukkan bahwa model Islamic utility menempatkan keseimbangan (wasathiyyah) dan keberkahan sebagai orientasi utama konsumsi, amanah sebagai dasar perilaku menabung, dan maslahah sebagai tujuan investasi. Integrasi antara edukasi teknis dan pembingkaian nilai menjadi strategi efektif untuk meningkatkan partisipasi masyarakat dalam tabungan dan investasi syariah
Keadilan Ekonomi dalam Intervensi Harga Gabah oleh Bulog: Kajian Nilai Maslahah bagi Petani di Duampanua Gustia; Syahriyah Semaun; An Ras Try Astuti; Muliati; Damirah
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 10 No 5 (2025)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v10i5.29004

Abstract

Abstract The fluctuation of rice grain prices in Duampanua District, Pinrang Regency, reflects structural market imbalances dominated by middlemen (tengkulak). This condition creates economic injustice for farmers who are forced to sell their harvests below the Government Purchase Price (HPP). This study aims to analyze economic justice within Bulog’s price intervention policy and to assess the extent to which the policy embodies the value of maslahah (public benefit) for farmers from the perspective of Islamic economics. This research employs a qualitative approach with a case study method. Data were collected through in-depth interviews with farmers, middlemen, and Bulog officials, as well as documentation of policies and relevant literature. Data analysis was carried out through reduction, presentation, and conclusion drawing based on distributive justice and maslahah principles. The results show that Bulog’s intervention through the establishment of HPP and direct purchase mechanisms has contributed to price stability; however, its effectiveness remains limited due to bureaucratic constraints, lack of socialization, and limited farmer access. From an Islamic economic perspective, Bulog’s policy reflects elements of economic justice and protection for the weak (al-mustadh‘afin), yet the value of maslahah has not been fully realized since most farmers still depend on middlemen. Therefore, strengthening Bulog’s institutional capacity and enhancing coordination with local governments are essential to achieving a fair and sustainable grain distribution system in line with Islamic economic principles. Keywords: Economic Justice, Price Intervention, Bulog, Maslahah, Rice Farmers Abstrak Fenomena ketidakstabilan harga gabah di Kecamatan Duampanua, Kabupaten Pinrang, menunjukkan adanya ketimpangan dalam struktur pasar yang didominasi oleh tengkulak. Kondisi ini menimbulkan ketidakadilan ekonomi bagi petani yang terpaksa menjual hasil panennya di bawah Harga Pembelian Pemerintah (HPP). Penelitian ini bertujuan untuk menganalisis keadilan ekonomi dalam kebijakan intervensi harga yang dilakukan oleh Perum Bulog serta menilai sejauh mana kebijakan tersebut mencerminkan nilai maslahah bagi petani dalam perspektif ekonomi Islam. Penelitian ini menggunakan metode kualitatif dengan pendekatan studi kasus. Data diperoleh melalui wawancara mendalam dengan petani, tengkulak, dan pihak Bulog, serta dokumentasi kebijakan dan literatur terkait. Analisis dilakukan melalui proses reduksi data, penyajian data, dan penarikan kesimpulan berdasarkan prinsip keadilan distributif dan nilai maslahah. Hasil penelitian menunjukkan bahwa intervensi Bulog melalui penetapan HPP dan pembelian langsung telah berkontribusi terhadap stabilitas harga, namun efektivitasnya masih terbatas akibat kendala birokrasi, minimnya sosialisasi, dan keterbatasan akses petani. Dalam perspektif ekonomi Islam, kebijakan Bulog mengandung unsur keadilan ekonomi dan perlindungan terhadap pihak yang lemah (al-mustadh‘afin), namun nilai maslahah belum sepenuhnya terwujud karena sebagian besar petani masih bergantung pada tengkulak. Oleh karena itu, diperlukan penguatan kelembagaan Bulog dan sinergi dengan pemerintah daerah untuk mewujudkan sistem distribusi gabah yang berkeadilan dan berkelanjutan sesuai prinsip ekonomi syariah. Kata Kunci: Keadilan Ekonomi, Intervensi Harga, Bulog, Maslahah, Petani Gabah
Co-Authors Abdul Hamid Abdullah Fauzan Adani S, Andi Putri Zahirah Ade Hastuti Ahmad Dzul Ilmi Syarifuddin Ainul Fatha Isman Akbar, Muh. Ali Wardani Ali, St Nurhayati Alifkah, Ayu Amin, Sitti Jamilah Aminah, St An Ras Try Astuti Andi Bahri S Andi Bahri, Andi Andi Bahri. S Andi Muhammad Fawzy Ramadhan Anggi, Anggeryani Syam Arqam Arqam, Arqam Asia, Nurul Astuti, An Ras Try Ayu, Sinar Bahri. S, Andi Bunga, Purnamasari Cahya, Nilam Cakrah, Yuyun Andira Citra Dewi Damirah Damirah Damirah Damirah Damirah Damirah Damirah DAMIRAH DAMIRAH, DAMIRAH Darmawati Darmawati Darmawati Darmawati Darmawati Darwis Darwis Darwis Dewi Setiyawati Dewintara, Eka Emily Nur Saidy Fadhliyah Ulfah Rustan Fatmawati, Fatmawati Firman Firman Firman Frihatni, Andi Ayu Gusnawati Nurbaba Gustia H, Muh Ilyas Hannani Hikmawati hilda, Evi Andriana Hj. St Nurhayati Husnul Khatimah Husnur Raja' Idris, Mahsyar Imamah, Ayu Nur Irmawati Irmawati 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 Minhajuddin Madi Moh. Yasin Soumena Muh. Ahsan Kamil Muhammad Ilham Muhammad Kamal Zubair Muhammad Kamal Zubair Muhammad Kamal Zubair, Muhammad Kamal Muhammad Rusydi Navri Muhammad Said Muhammad Suras Muhammadun , Muzdalifah Muliati Muliati Muliati Muliati, Muliati Mulyadi, Mus Murhim, Murhim Musakkir , Musakkir Musdalifah Musdalifah Musmulyadi Musmulyadi Musmulyadi, Musmulyadi Musyarif Musyarif, Musyarif Muzdalifah Muhammadun Muzdalifah Muhammadun Muzdalifah Muhammadun, Muzdalifah Nurfadilah Sindika Sari Nurfadillah Nurfadillah Nurhamida Nurhamida, Nurhamida Nurhayati, St. Nurjannah Nurjannah Patmawati, Andi Kiki Putri, Winda Reskiyan Rachman, Mawaddah Rahim, Rahmatika Rahman Rahman Rahmatillah, Sri Fatimah Rasyid, Siti Rasyid, St. Cheriah Ridlo, Muhammad Rasyid Rini Purnamasari, Rini Riska Rismah Rukiah Rukiah Rusanda, Risman S, Andi Bahri Sadli, Nurhemifitrah SAHABUDDIN SAHABUDDIN Sahara, Ira Sardia Sarmila, Sarmila Siti Nuraeni Sitti Aminah Sitti Jamilah Amin Sri Fatimah Rahmatillah St Aminah St. Aminah St. Aminah St. Nurhayati St. Nurhayati Suarning Suarning, Suarning Sumi Susianti, Susianti Umar, Umrah Yani Wahyuni, A Widodo, Uun Purwati Wisnu Wardana, Wisnu Zyahratul Wilda