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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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BSI Digital Financial Transition Mechanism in Improving the Financial Literacy of Urban and Rural Communities in Majene Rahmawati Rahmawati; Syahriyah Semaun
Journal of Economics and Social Sciences (JESS) Vol. 5 No. 1 (2026): Journal of Economics and Social Sciences (JESS)
Publisher : CV. Civiliza Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59525/jess.1627

Abstract

The transformation of digital finance in the Islamic banking sector has become inevitable due to rapid technological progress and rising demand for inclusive efficient services. This study examines the digital transition mechanism implemented by Bank Syariah Indonesia in enhancing financial literacy in urban and rural communities of Majene Regency. Using a qualitative case study approach, data were collected through interviews, observations, and documentation involving bank staff, customers, MSMEs, and community leaders. Thematic interactive analysis reveals that digital banking, especially mobile applications, functions as an informal learning medium that gradually improves financial literacy. Urban users benefit more due to better infrastructure and digital skills, while rural communities face barriers including limited access, low technological understanding, and trust issues. Religiosity and adherence to sharia principles also shape adoption decisions. Thus, literacy is influenced not only by knowledge and skills but also by social norms and beliefs. Overall, digital financial transformation represents a multidimensional social process requiring integrated innovation, community engagement, and supportive infrastructure to ensure inclusive and sustainable outcomes. Future strategies should emphasize localized education, user experience adaptation, and trust building initiatives to bridge the urban rural divide and maximize the impact of Islamic digital finance development across diverse community settings effectively.
PENDAPATAN NASIONAL DALAM PERSPEKTIF EKONOMI ISLAM: KAJIAN DAN TEORITIS Serliyana Serliyana; Syahriyah Semaun
NATUJA: Jurnal Ekonomi Syariah Vol. 5 No. 2 (2026): Mei (2026)
Publisher : Department of Sharia Economics, Faculty of Islamic Economics and Business, Universitas Islam Ibrahimy Banyuwangi, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69552/kn5rtt44

Abstract

This study examines the concept of national income comprehensively in both conventional and Islamic economics. The main objective of this research is to gain a more complete understanding of the definition of national income as well as the Islamic economic perspective on this concept. This study uses a literature review method by analyzing various sources related to national income in both conventional and Islamic economics. The findings show that Islamic economics places justice, equitable distribution, and compliance with Sharia principles as the main foundations in managing national income. Instruments such as zakat, infaq, sadaqah, waqf, jizyah, kharaj, and ushr function as redistribution mechanisms to reduce social inequality. Therefore, national income in Islamic economics is not only oriented toward growth, but also toward achieving comprehensive and equitable societal welfare.
Strategi Digital Marketing dan Optimalisasi Media Sosial Dalam Peningkatan Infak, dan Sedekah Di Yayasan Jannahqu Kabupaten Bogor Abdul Halim Mahmud; Syahriyah Semaun; Musmulyadi Musmulyadi
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 6 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ps2nqa68

Abstract

Perkembangan teknologi digital telah mengubah pola penghimpunan dana sosial keagamaan, khususnya infak dan sedekah. Yayasan JannahQu memanfaatkan media sosial sebagai sarana digital fundraising, namun implementasinya masih menghadapi kendala seperti rendahnya engagement media sosial, keterbatasan sumber daya manusia digital, serta belum optimalnya segmentasi donatur. Penelitian ini bertujuan untuk menganalisis strategi digital marketing yang diterapkan Yayasan JannahQu, mengetahui dampak penggunaan media sosial terhadap peningkatan infak dan sedekah, serta mengidentifikasi tantangan dan peluang dalam optimalisasi media sosial sebagai sarana penghimpunan dana. Metode penelitian yang digunakan adalah penelitian kualitatif deskriptif dengan pendekatan fenomenologis. Penelitian dilakukan di Yayasan JannahQu Kabupaten Bogor. Data primer diperoleh melalui wawancara dengan pengurus yayasan, admin media sosial, dan donatur, sedangkan data sekunder diperoleh dari dokumentasi, laporan penghimpunan dana, buku, jurnal, dan artikel ilmiah yang relevan. Teknik pengumpulan data dilakukan melalui observasi, wawancara, dan dokumentasi. Hasil penelitian menunjukkan bahwa: (1) Strategi digital marketing Yayasan JannahQu dilakukan melalui pemanfaatan Instagram, WhatsApp, dan TikTok dengan konten edukasi, dakwah, dokumentasi kegiatan sosial, serta storytelling. (2) Penggunaan media sosial memberikan dampak positif terhadap peningkatan infak dan sedekah karena memudahkan akses donasi, memperluas jangkauan masyarakat, serta meningkatkan kepercayaan donatur melalui transparansi informasi. (3) Tantangan yang dihadapi meliputi rendahnya engagement media sosial dan keterbatasan kemampuan digital sumber daya manusia, sedangkan peluang yang dimiliki yaitu meningkatnya penggunaan media digital dan minat masyarakat terhadap donasi online yang praktis dan transparan.
The THE EFFECT OF PROFITABILITY AND SOLVENCY ON FIRM VALUE IN ISLAMIC BANKS IN INDONESIA Halfiah Rustamin; Syahriyah Semaun; Damirah Damirah; Muliati Muliati; Andi Ayu Frihatni
Economos : Jurnal Ekonomi dan Bisnis Vol. 9 No. 1 (2026): ECONOMOS : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31850/economos.v9i1.4237

Abstract

Abstract This study aims to analyze the effect of profitability and solvency on firm value in Islamic banks in Indonesia. Firm value reflects investors’ perceptions of a company’s performance and future prospects, making it an important indicator in investment decision-making. This study employs a quantitative approach using secondary data obtained from the financial statements of Islamic banks in Indonesia. Multiple linear regression analysis is applied to examine the effect of profitability and solvency, both partially and simultaneously, on firm value. The results show that profitability has a significant effect on firm value, indicating that the ability of Islamic banks to generate profits plays an important role in increasing investor confidence. Meanwhile, solvency also has a significant effect on firm value, suggesting that the banks’ ability to meet their financial obligations is a key consideration in firm valuation. Simultaneously, profitability and solvency have a significant effect on firm value in Islamic banks in Indonesia. These findings are expected to contribute to the development of Islamic banking financial studies and to serve as a reference for management and investors in making informed decisions. Keywords : Profitability, Solvency, Firm Value, Islamic Banks.
ANALISIS AKAD MURABAHAH TERHADAP PEMBIAYAAN KPR BTN BERSUBSIDI IBDI BANK BTN SYARIAH Yulia Faradhiba; Andi Bahri; Damirah Damirah; Hj. Muliati; Hj. Syahriyah Semaun
Jurnal PenKoMi : Kajian Pendidikan dan Ekonomi Vol 8 No 1 (2025): Jurnal Penkomi : Kajian Pendidikan dan Ekonomi
Publisher : Sekolah Tinggi Keguruan dan Ilmu Pendidikan (STKIP) Bima

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33627/pk.v8i1.2274

Abstract

In BTN Sejahtera iB KPR financing, one of the obligations given by the bank to subsidized Sharia KPR customers is to pay home ownership credit before the 20th of each month. In providing subsidized Sharia KPR financing, BTN Syariah Parepare collaborates with subsidized housing in Parepare City. The aim of this research is to analyze murabahah contracts for sharia mortgage financing for subsidized housing, a case study at Bank BTN Syariah Parepare. This study used qualitative research methods. The location of this research is Bank BTN Syariah Parepare City Branch. The interviewees were 3 people from marketing at Bank BTN Syariah, Parepare City and 10 customers of Bank BTN Syariah, Parepare City, who took subsidized mortgages. The data analysis techniques in this research are data reduction, data presentation, and drawing conclusions. The research results show that the forms of financing at the BTN Syariah Bank in the city of Parepare are divided into three, namely FLPP (Housing Financing Liquidity Facility), Public Housing Savings (TAPERA), and Savings-based housing financing assistance (BP2BT). Where Islamic banks provide financing with the aim of obtaining income and helping customers or other communities who need these financing funds in developing their various businesses so that the economy becomes prosperous
REVITALIZING SUMITRO DJOJOHADIKUSUMO'S ECONOMIC LEGACY: PATHWAYS TO INDONESIA'S ECONOMIC SELF-RELIANCE IN THE DIGITAL AND GLOBALIZATION ERA Muhammad Said; Syahriyah Semaun; Ahmad Dzul Ilmi Syarifuddin; Minhajuddin Madi; M. Rafly Al Farezy Arif
JURNAL PROFIT Vol 9, No 2 (2025): Economic And Financial Institutions
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i2.12783

Abstract

This study aims to develop a conceptual framework for revitalizing the economic thought of Prof. Dr. Sumitro Djojohadikusumo as a strategic roadmap toward Indonesia’s economic sovereignty in the digital and globalization era. Using a qualitative approach based on library research, this study systematically examines primary and secondary literature on Sumitro’s thought, development theory, and contemporary digital economic dynamics through content analysis. The findings introduce the concept of “Digital Economic Nationalism” as an adaptation of Sumitro’s development trilogy economic growth, national stability, and equitable development into the digital context, operationalized through the “Digital Gotong Royong Economy” model. This model integrates rural digital infrastructure, local economic platforms, digital cooperatives, sustainable financing, and the protection of national economic value. The results demonstrate that Sumitro’s intellectual legacy remains relevant and offers a theoretical and practical alternative to the dominant neoliberal model in the digital economy, while opening new avenues for nationally grounded digital political economy studies.
Analysis of M-Banking Service Factors on Customer Satisfaction at Indonesian Sharia Banks Kc Mamuju Puti Mandasari; Muzdalifah Muhammadun; Syahriyah Semaun; St Aminah; Andi Bahri S
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.
Dividend Policy and Equitable Profit Distribution in Islamic Banking Management: A Maqasid al-Shariah Perspective on Shareholder Value Orientation and Stakeholder Welfare Syahriyah Semaun; Nurul Asia; Muhammad Taqdir
Al-Sharf: Jurnal Ekonomi Islam Vol 7, No 2 (2026)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v7i2.13492

Abstract

Dividend policy is one of the strategic decisions in financial management that determines the distribution of corporate profits to shareholders. In Islamic banking, dividend policy is not merely related to financial considerations but must also reflect the principles of justice and public welfare in accordance with the objectives of Maqasid al-Shariah. However, dividend policies in Islamic banking are still predominantly assessed from a shareholder value perspective, while the issue of equitable profit distribution among stakeholders has received limited attention. This study aims to analyze the orientation of dividend policy in Islamic banking, its implications for stakeholder welfare, and the relevance of Maqasid al-Shariah as a framework for evaluating the fairness of profit distribution. The research employs a qualitative approach using a library research method. Data were collected from various literature sources, including scholarly journal articles, academic books, industry reports, and relevant documents, and were analyzed using thematic analysis techniques. The findings indicate that dividend policy in Islamic banking remains predominantly oriented toward shareholder value, positioning shareholders as the primary beneficiaries of profit distribution. Meanwhile, stakeholder theory and the Maqasid al-Shariah perspective emphasize the importance of a more equitable distribution of benefits among all parties contributing to corporate value creation. The study finds that the principles of ?if? al-m?l (protection of wealth), al-‘adl (justice), and ma?la?ah (public welfare) can serve as evaluative instruments to assess the extent to which dividend policy creates a balance between shareholder interests, stakeholder welfare, and corporate sustainability. As a theoretical contribution, this research proposes a Maqasid-Based Dividend Policy Framework as a dividend policy model that integrates financial objectives with Shariah objectives in Islamic banking. The proposed framework also provides practical implications for Islamic banking institutions in designing dividend policies that are sustainable, equitable, and aligned with Shariah objectives as well as stakeholder welfare.
Analisis Literatur Kontemporer tentang Peran Manajemen Keuangan Islam terhadap Penguatan UMKM di Indonesia Gusnawati Unna; Syahriyah Semaun
Al Rikaz: Jurnal Ekonomi Syariah Vol. 4 No. 2 (2026): Al Rikaz: Jurnal Ekonomi Syariah
Publisher : Program Studi Ekonomi Syariah IAIN Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/rikaz.v4i2.17062

Abstract

The conventional financial system, which relies on interest-based instruments and rigid collateral requirements, often creates financial exclusion and liquidity vulnerability for grassroots communities and Micro, Small, and Medium Enterprises (MSMEs). This study aims to construct and analyze the effectiveness of the Islamic Financial System as an alternative architecture for strengthening the economic foundation of society in Indonesia. The research employs a qualitative approach through library research using the Systematic Literature Review (SLR) method. The analysis was conducted on 25 reputable scientific articles published over the last ten years, focusing on the performance of Islamic financial instruments in Indonesia. Data were analyzed using content analysis and thematic analysis of reputable scholarly literature, secondary data, and relevant regulations. The findings reveal that community economic empowerment can be optimally achieved through integrative governance of two main pillars: the Islamic commercial sector (al-tijari), which applies the principle of risk-and-reward sharing, and the social philanthropy sector (al-ijtima'i), which is based on productive Zakat, Infaq, Sadaqah, and Waqf (ZISWAF). The synergy of this dual-pillar financial system, managed under the principles of transparency and accountability, is capable of promoting the structural transformation of underprivileged communities toward sustainable financial independence, thereby realizing distributive justice.
Analisis Ekonomi Syariah Terhadap Kearifan Lokal Mula Balu Sebagai Penglaris Di Pasar Sentral Sengkang Risman Rusanda; Syahriyah Semaun; Islamul Haq; Sitti Jamilah Amin; Andi Bahri S
Ulumuddin: Jurnal Ilmu-ilmu Keislaman Vol 15 No 1 (2025): Ulumuddin: Jurnal Ilmu-Ilmu Keislaman
Publisher : Universitas Cokroaminoto Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47200/ulumuddin.v15i1.2707

Abstract

The purpose of this study is to describe the understanding of traders in the Sengkang central market Wajo Regency, towards the practice of local wisdom Mula Balu as a sales booster in sharia economic analysis. The results of this empirical qualitative study are: 1) Traders' understanding of the concept of Mula Balu as something positive and not contrary to religion because it is not obtained from shamanic practices but is obtained from the process of learning sharia, tarekat, hakikat and ma'rifatullah and is understood as a manifestation of prayer or Assennung-sennungeng ri decenge (hope for goodness). 2) The practice is very diverse, some use mantras such as Arase Kursia, folded (Rekko ota) and stored normally. 3) Sharia economic analysis of the use of Mula Balu as a sales booster in the Sengkang central market, Wajo Regency shows three results of the analysis.
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