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Loso Judijanto
IPOSS Jakarta Indonesia
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E-COMMERCE APPLICATION DEVELOPMENT WITH SECURE PAYMENT METHOD INTEGRATION Bekti Utomo; Kristiurman Jaya Mendrofa; Loso Judijanto
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 4 (2025): APRIL
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This research discusses the development of e-commerce applications with the integration of secure payment methods. The focus of this literature is to analyze the various approaches and technologies used to ensure secure financial transactions in e-commerce platforms. In the current digital era, payment security is an important factor that influences user trust and comfort. Through a study of various literature sources and previous research, we found that encryption technology, tokenization, and compliance with industry standards such as PCI-DSS (Payment Card Industry Data Security Standard) play a key role in preventing fraud and protecting customer data. Additionally, diversification of payment methods to include credit/debit cards, e- wallets, and bank transfers, not only enhances security but also provides more flexibility for users. This research also highlights the importance of regular evaluations and audits to keep systems up-to-date with the latest threats. The conclusion of this study confirms that the integration of secure payment methods not only increases the level of customer trust and loyalty but also becomes a critical business strategy for the long- term sustainability of e-commerce platforms.
OPTIMIZING INVESTMENT DECISIONS USING A REAL OPTIONS-BASED PROJECT EVALUATION MODEL: IMPLEMENTATION IN THE RENEWABLE ENERGY SECTOR Loso Judijanto; Bambang Sugeng Dwiyanto
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 5 (2025): MAY
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Investments in the renewable energy sector face the challenge of high uncertainty due to energy price volatility, regulatory changes and technological developments. Traditional investment evaluation methods such as Net Present Value (NPV) and Internal Rate of Return (IRR) are often less effective in dealing with these dynamics because they do not consider flexibility in decision making. Therefore, the Real Options approach emerged as an alternative solution that allows investors to adjust investment strategies based on changing market conditions. This research is a literature review which aims to analyze the effectiveness of Real Options in optimizing investment decisions in the renewable energy sector. Through literature studies from journals, academic books, and research reports, comparisons were made between traditional methods and Real Options, as well as identification of key factors that influence the application of this model, such as government policy, technological innovation, and access to funding. This study shows that the Real Options approach provides advantages in managing risk, increasing the flexibility of investment strategies, and optimizing project value by considering strategic options such as delaying, expanding, or canceling projects. The results of this research have important implications, both theoretically and practically. Theoretically, this research reinforces the concept that investment must be dynamic and adaptive, especially in an environment full of uncertainty such as renewable energy. Practically, applying this model can help investors optimize investment decisions and reduce financial risk. However, challenges such as the complexity of calculations and limited access to accurate data are still obstacles in its implementation. Therefore, it is necessary to develop simpler analytical tools and more stable policies to support Real Options-based renewable energy investment.
ANALYSIS OF THE INFLUENCE OF DIGITAL MARKETING ON CONSUMER PURCHASING DECISIONS IN THE DIGITAL ECONOMY ERA Loso Judijanto; I Putu Gede Didik Widiarta; Luckhy Natalia Anastasye Lotte
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 6 (2025): JUNE
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This research aims to analyze the influence of digital marketing on consumer purchasing decisions in the digital economy era through a literature review approach. The development of information technology has fundamentally changed the marketing landscape, where consumers are now increasingly active and selective in making purchasing decisions. This study was carried out using the library research method, by examining various scientific sources such as journals, books and research reports published in the last five to ten years. The analysis results show that digital marketing elements such as social media marketing, content marketing, and influencer marketing have a significant and consistent influence on the purchasing decision stages, especially in creating awareness, building interest, and encouraging action. Apart from that, this research also found that the influence of digital marketing is strengthened by factors such as consumer trust, brand loyalty, and the quality of digital content which act as mediators and moderators. The implications of these findings indicate that an effective digital marketing strategy must prioritize an integrated, relevant and consumer experience-oriented approach. Thus, strategic use of digital marketing can be the key to winning business competition in an increasingly competitive digital economy era.
TRANSPARENCY AND ACCOUNTABILITY IN THE MANAGEMENT OF HAJJ FUNDS BY BPKH: A LITERATURE REVIEW Loso Judijanto
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 6 (2025): JUNE
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This study aims to examine the implementation of the principles of transparency and accountability in the management of Hajj funds by the Hajj Financial Management Agency (BPKH) based on a literature review. Hajj fund management in Indonesia is regulated in Law No. 34/2014 which requires BPKH to manage Hajj finances in an open, accountable, and accountable manner to the public, especially prospective pilgrims as fund owners. This study uses descriptive-analytic method with data obtained from various literature sources, financial reports, and related regulations. The results of the study show that BPKH has implemented various transparency mechanisms, such as periodic financial reporting, external audits by the Supreme Audit Agency (BPK), as well as the utilisation of information technology through virtual account services and the Integrated Hajj Financial System (Siskehat) that allows pilgrims to monitor the balance and value of their fund benefits directly. The level of disclosure of Hajj financial management information by BPKH is considered high and in line with good governance standards, although there are still challenges in delivering information on the value of benefits proportionally and in real time to all prospective pilgrims. Overall, the management of Hajj funds by BPKH has fulfilled the principles of transparency and accountability as mandated by the regulation, marked by an Unqualified Opinion (WTP) from BPK and an increase in the value of Hajj fund benefits every year. However, strengthening socialisation, supervision, and the development of more varied Islamic investment instruments are still needed so that public trust in the management of Hajj funds can continue to increase and the benefits are more optimal for pilgrims and the benefit of Muslims in Indonesia.
DIGITAL CURRENCIES AND INFORMAL ECONOMIES: ASSESSING THE FINANCIAL INCLUSION POTENTIAL OF CBDCs IN EMERGING MARKETS Loso Judijanto; Ajeng Faizah Nijma Ilma; Farikhul Muafiq
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 10 (2025): JULY
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This research aims to explore the potential of central bank digital currencies (CBDCs) to increase financial inclusion in emerging markets, particularly in the context of the informal economy, which still dominates economic activity in many regions. Through a comprehensive literature review of previous studies, policy reports, and international regulatory documents, this research analyzes how the design and implementation of CBDCs can bridge the financial access gap faced by marginalized groups and workers in the informal sector. The study finds that CBDCs have significant potential to provide cheaper, safer, and more accessible payment systems, as well as increase trust in the formal financial system. However, these benefits are highly dependent on factors such as technical design, public trust, digital infrastructure, and privacy protection policies. This research recommends that the development of CBDCs in developing countries seriously consider the local socio-economic context and foster close collaboration between governments, the private sector, and local communities to ensure inclusive and sustainable adoption.
THE ECONOMICS OF AI-DRIVEN PRODUCTIVITY: ARE TRADITIONAL GROWTH MODELS OBSOLETE? Loso Judijanto; Novira Fazri Nanda; Baskoro Ajie
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 12 (2025): SEPTEMBER
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This study aims to analyze the relevance of traditional economic growth models in the context of artificial intelligence-driven productivity gains. The rapid development of AI has triggered significant changes in the structure of production, distribution, and consumption, raising questions about whether classical theoretical frameworks such as the Solow growth model, endogenous theory, and human capital-based models are still capable of explaining modern growth dynamics. Using a literature review, this study examines recent empirical and theoretical findings related to AI's contribution to productivity, its impact on labor markets, and its implications for income distribution. The analysis shows that AI introduces a new factor of production, "algorithmic capital," characterized by high scalability and low marginal costs, potentially shifting the fundamental assumptions of conventional growth models. Furthermore, the disruptive nature of AI has the potential to create wider productivity gaps between countries and industries, not fully captured by traditional models. The study concludes that while classical growth models remain relevant as a foundation for analysis, adaptations to the theoretical framework are needed to integrate the role of AI technology as a key determinant of 21st-century productivity. The study also recommends the development of a hybrid growth model capable of capturing the dynamics of exponential technology and the more asymmetric distribution of benefits.
GOVERNMENT POLICIES IN DRIVING LOCAL AND NATIONAL ECONOMIC GROWTH AND THEIR IMPACT ON STATE REVENUE THROUGH TAXES AND LEVIES Loso Judijanto; Al-Amin
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 12 (2025): SEPTEMBER
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Economic growth is one of the main indicators of a country's development success, both at the local and national levels. The government plays a strategic role in driving this growth through fiscal and monetary policies, infrastructure development, strengthening the productive sector, and empowering MSMEs. Synergy between central and regional policies is a key factor in creating inclusive, sustainable, and equitable growth across regions. This study uses a literature review method by analysing various academic sources, official government publications, and research reports related to the relationship between government policies, economic growth, and state revenue. The results of the study show that positive economic growth can expand the tax base, increase state revenue through income tax, value-added tax, local taxes, and levies. In addition, equitable growth contributes to an increase in local revenue, which supports fiscal independence. To optimise the contribution of economic growth to tax and fee revenue, adaptive and integrative policies are needed, along with tax reforms that emphasise broadening the tax base, digitalising services, and improving taxpayer compliance. These findings confirm that the integration of economic and fiscal policies is a determining factor in strengthening the capacity for national development financing and improving public welfare.
THE ROLE OF GOVERNMENT FISCAL POLICY IN ENHANCING ECONOMIC GROWTH AND STATE REVENUE THROUGH THE TAXATION SYSTEM Loso Judijanto; Mohd Syahrin; Hydzulkifli Bin Haji Hashim
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 2 No. 12 (2025): SEPTEMBER
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Fiscal policy is one of the main instruments used by the government to manage the national economy through the regulation of state expenditure and revenue, particularly from the taxation sector. This study aims to analyse the role of government fiscal policy in promoting economic growth and increasing state revenue, with a focus on the taxation system as the main instrument. The method used is a literature review of various scientific sources, official government reports, and international institution publications. The results of the study indicate that effective fiscal policy, through productive expenditure allocation and fair and efficient taxation policies, can stimulate economic activity, increase investment, strengthen purchasing power, and expand the tax base. The tax system plays a dual role, namely as a source of development funding and as a tool for regulating economic behaviour, which, if implemented appropriately, will create a multiplier effect on economic growth. However, challenges such as low tax compliance, tax avoidance and evasion practices, and limited administrative capacity need to be addressed immediately through structural reforms, system digitalisation, and strengthening the principles of fiscal justice. Therefore, synergy between sound fiscal policies and a modern and equitable tax system is key to achieving inclusive, sustainable economic growth that supports improved public welfare.
DIGITAL TRANSFORMATION IN CORPORATE GOVERNANCE: IMPLICATIONS FOR ACCOUNTING TRANSPARENCY AND MANAGERIAL ACCOUNTABILITY Loso Judijanto; Yunia Oktari
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 2 (2025): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
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This study aims to analyze the implications of digital transformation in corporate governance on accounting transparency and managerial accountability using a literature review method. Digital transformation has brought fundamental changes to corporate management systems through the adoption of technologies such as big data analytics, blockchain, artificial intelligence, and cloud computing, which impact oversight, reporting, and managerial decision-making mechanisms. This literature review examines various previous studies to understand how digitalization strengthens corporate governance practices by improving information accessibility, audit efficiency, and financial data integrity. Furthermore, this study explores emerging challenges, such as cybersecurity risks, algorithmic bias, and the digital competency gap among stakeholders. The study's findings indicate that the appropriate application of digital technology in corporate governance systems can strengthen accounting transparency by improving reporting accuracy and speed, and foster managerial accountability through real-time data-based monitoring systems. However, successful implementation depends on the organization's commitment to balancing technological innovation with ethical principles in governance. Therefore, digital transformation is not merely a technological adaptation but also a process of recontextualizing governance principles, requiring strategic collaboration between technology, regulations, and business ethics.
THE INTERACTION BETWEEN TAX POLICY INNOVATION AND CORPORATE TAX AVOIDANCE STRATEGIES IN THE DIGITAL ECONOMY Loso Judijanto; Devia Septyani; Amirah Andika Rifdayanti
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 7 (2026): INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE (INJOLE)
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The development of the digital economy has fundamentally changed the way companies create value, conduct business activities, and manage tax obligations across jurisdictions. This transformation has prompted governments in various countries to develop innovative tax policies aimed at maintaining the tax base, improving fiscal fairness, and curbing corporate tax avoidance practices. On the other hand, multinational corporations in the digital era also continue to adapt increasingly complex tax avoidance strategies by exploiting digital economic characteristics such as intangible assets, profit mobility, and platform-based business structures. This study aims to analyze the interaction between tax policy innovation and corporate tax avoidance strategies in the context of the digital economy through a literature review method. The review was conducted on scientific articles, international organization reports, and relevant global tax regulations, including digital tax policies, Base Erosion and Profit Shifting (BEPS), and the global minimum tax. The results of the study indicate that tax policy innovation is often reactive to evolving tax avoidance practices, while companies tend to respond to these policies with more sophisticated strategic adjustments. This dynamic interaction creates a cycle of mutually influencing policies and strategies, which demands an adaptive, collaborative, and global governance-based regulatory approach. This research is expected to provide a conceptual contribution to understanding the relationship between tax policy and corporate behavior in the digital era and serve as a reference for formulating more effective and sustainable tax policies.
Co-Authors . Syamsulbahri A Fadel Muhammad A. Hamid Abd Razak Musahib Abdul Azizs Abdul Muiz Abdul Muiz Abdul Rochman Abdul Rosid Abdul Rozak Abdul Tiar Mokodompit Abdul Wahab Syakhrani Abdul, Elfis Mus Abdulrival Hartoyo Abdurohim Abdurohim Abdurohim Abrar Hiswara Acep Fatchuroji Ach. Afin Achmad Choerudin Achmad Farchan Achmad Fitrian Achmad Harristhana Mauldfi Sastraatmadja Achmad Ridwan Achmad zahruudin Achmad Zaki Ade Onny Siagian Ade Suhara Adelia Angraeni Adelia Angraeni Adel Adelia Podomi Adelina Lubis Adi Mursalin Adi Suroso Adih Supriadi Adih Supriadi Adih Supriadi Adnan Adnan Afdhal Chatra Aferiaman Telaumbanua Afif Syarifudin Yahya Afif Syarifudin Yahya Agi Nanjar Aglis Andhita Hatmawan, Aglis Andhita Agung Zulfikri Agung Zulfikri Agung Zulfikri Agung, Eka Adnan Agus Septima Ridwan Agus Setiyawan Agustin Nurya Savitri Agustinus F. Paskalino Dadi Agustinus Sri Wahyudi Ahmad Eko Saputro Ahmad Hanafie Ahmad Junaidi Ahmad Junaidi Ahmad Novindri Aji Sukma Ahmad Rizani Ahmad Rizani Ahmad Rizani Ahmad Sholikin Ahmad Winanto Ahmad Yanuar Syauki Ahmad Zaelani Adnan Ahmadi Ahmadi Ahmadi Ahmadun Ahmadun Ai Siti Nurmiati Aida Fitriani Ainil Mardiah Ainur Rofiq Aisyah Ali Ajeng Faizah Nijma Ilma Akhlaqur Rahman Akhmad Akram Hirman Akka Latifah Jusdienar Akmal Abdullah Al- Amin Al-Amin Al-Amin Al-Amin Al-Amin Al-Amin Albert Yansen Aldi Bastiatul Fawait Fawait Aldo, Novian Aldrin Watson Gainau Alfa Santoso Budiwidjojo Putra Alfiana Alfrin Ernest M. Usmany Alim Hardiansyah Aloysius Jondar Alvianita Gunawan Putri Amândio de Araújo Sarmento Amândio de Araújo Sarmento Ambar Kusuma Astuti Ambarwati, Retnoning Amelia S. Sarungallo Amina Ramadana N Amir, Firlie Lanovia Amirah Andika Rifdayanti Amruddin Amruddin Andi Haslinah Andi Primafira Bumandava Eka Andi Wahyuni Syam Andika Isma Andina Maharani Andiopenta Andrea Basworo Palestho Andree Tiono Kurniawan Andri Ardhiyansyah Andri Pitoyo Andri Sungkowo Andri Triyantoro Andri Triyantoro Andrie Oktavio Andriya Risdwiyanto Andriya Risdwiyanto Angga Aldilla Gussman Anggi Mamonto Anggi Oktawiranti Anggi Setya Prayoga Anggita Permata Yakup Anggriani Husain Ani Kusumaningsih Anif Istianah Anis Noviya Anisa Fitria Utami Anna Maria Gadi Djou Anna Sutrisna Sukirman Annasit Annasit Annisa Mokoginta Ansori Ansori Anton Susilo Anton Susilo Antoni Antoni Antonius Rino Vanchapo Antono Damayanto Anung Haryanto Aprih Santoso Apriyanto Apriyanto Apt. Irfan Ahsani Ardi Azhar Nampira Ardiyanti, Handrini Ari Purwanti Arie Fitria ARIEF BUDI PRATOMO Arief Fahmi Lubis Arief Yanto Rukmana Arif Saefudin Arifatul Hasanah Aris Susanto Arisanti, Ivon Arjang Arjang Arman Paramansyah Arnadi Arnadi Chairunnas Arnes Yuli Vandika Arnold Sultantio Hutabarat Arteurt Yoseph Merung Asdi Asdi Asep Abdul Aziz Asep Supriyanto Aslan Aslan Aslan Aslan Aslan Asma Karim Asmirin Noor Aspiati Samiun Asri Ady Bakri Asri Ady Bakri Asri Widiatsih Ata Amrullah Ayu Dewi Mayasari Ayuning Atmasari Bachtiar Rahman Halik Bahrun Thalib Baktiar Nasution Balla Wahyu Budiarto Bambang Eko Prayetno Bambang Purwoko Bambang Sugeng Dwiyanto Bambang Suharto Bambang Suharto Baskoro Ajie Basneldi Basneldi Baso Intang Sappaile Baso Intang Sappaile Bayu Purbha Sakti Bekti Setiadi Bekti Utomo Bekti Utomo Bekti Utomo Benediktus Rolando Berlin Barus Bernadus Wibowo Suliantoro Bhaswarendra Guntur Hendratri Bikah Kusti Noviani Boby Hidayat Tabilantang Brian Sebastian Salim Budi Harto Budi Mardikawati Budi Sulistiyo Nugroho Bunyani, Nur Aini Cahyono Cahyono Caroline Caroline Caroline Caroline Caroline Caroline, Caroline Carwadi Catarina Cori Pradnya Paramita Chairil Afandy Chevy Herli Sumerli Chin, Jacky Christine Riani Elisabeth CNAWP, Rizal Perlambang Cut Ita Erliana, Defi Irwansyah, Dahlan Abdullah Cut Susan Octiva D Yadi Heryadi Darma Jasuli DARMAN Darmawan Listya Cahya David Loba David Rindu Kurniawan Deasy Sandya Dede Gustian Dede Rustaman Dedi Harianto Dedy Irwan Degdo Suprayitno Denari Dhahana Edtiyarsih Deni Iskandar Deni Iskandar Desi Asmaret Desi Yuniarti Desty Endrawati Subroto Devi Susiati Devi Trenggani Devia Septyani Dewa Oka Suparwata Dewi Endah Fajariana, Dewi Endah Dhety Chusumastuti Diah Fauziah Dian Ofasari Dian Permatasari Kusuma Dayu Dian Saripujiana Diawati, Prety Didih Muhamad Sudi Didik Sugeng Widiarto Didik Suhariyanto Dikky Suryadi Dila Padila Nurhasanah Dila Padila Nurhasanah Dina Destari Dina Indriyani Dini Mardiani Dodi Setiawan Riatmaja Donny Dharmawan Donny Dharmawan Dudik Djaja Sidarta Duta Mustajab Dwi Budi Srisulistiowati Dwi Dersmi Selan Dwi Fitrianingsih Dwi Kartika Prananingrum Dwi Koerniawati Dwi Wahyono Dwi Yani Dwian Hartomi Akta Padma Eldo Dyah Ayu Dwi Kusumaningrum Dyah Ayu Suryaningrum Dyah Ayu Suryaningrum Dzul Arsyil Majid Eddy Silamat Edi Putra Berutu Ediaman Sitepu Edwin Aldrin W. Sanadi Edwin Sugesti Nasution Edy Arisondha Edy Azwar Edy Saputra Edy Setiawan Edy Setyo Wibowo Efa Irdhayanti Effy Roefaida Egidius Fkun Eha Hasni Wahidhani Eigis Yani Pramularso Eka Mustika Sari Ekha Sri Sugiarti Eko Nursalim Eko Sudarmanto Eko Sutrisno Eko Wahyudi Eksa Rusdiyana Eliagus Telaumbanua Elis Mediawati, Elis Elismayanti Rembe Elkana Timotius Elkana Timotius Ellina Rienovita Ellyta Ellyta Elmiwati Ely Ibrahim Emi Yulia Siska Emmi Rahmiwita Nasution Emmy Hamidah Encep Sopandi, Encep Endang Supriatna Endrixs Endrianto Entin Solihah Entin Solihah Entin Solihah Era Purike Era Purike Era Purike Erfendi Regar Eri Mardiani Erik Novianto Erik Saut H Hutahaean, Erik Saut H Erlin Dolphina Ermy Dikta Sumanik Ernawaty Usman Ernes Septina Azizi Erni Yuningsih Ervina Kaligis Erwin Erwin Erwin Erwin Setiawan Erwin Yulianto Erwina Kartika Devi Etin Indrayani Euis Eka Pramiarsih Eva Desembrianita Eva Purnamasari Eva Yuniarti Utami Evaf Maulina Evracia Turukay Evy Febryani Evy Indriasari Eyad Saleh Bani-Domi Fachrizal Anwar Fadli Firdaus Fadlullah Fajar Rahmat Aziz Farhan Ferian Farida Arinie Soelistianto Farida Asy'ari Farida Asy'ari Farikhul Muafiq Farkhatun Zaidah Fatma Sarie Fauzan Fauzan Fauzi, Muhammad Sukron Fauziah Nur Hutauruk Febriawan Ardi Nugroho Febrina Annisa Febry Lodwyk Rihe Riwoe Ferry Arfiansyah Festus Evly R.I. Liow Filbert Ivander Fina Diana, Ridwan Fiqrul Mustanir Firayani Firayani Firdayetti, Firdayetti Firmansyah Firmansyah Firmansyah Fisy Amalia Fitriani Fitriani Tobing Fitriyani Flora Grace Putrianti Frans Sudirjo Frans Sudirjo Fryan Sopacua Fuadah Johari Gabriel Amadeus Sitompul Gautama Sastra Waskita Gede Bagus Wira Diputra Gia Lestia Mokodongan Gilang Pranajasakti Gingga Prananda Godlif Sianipar Gopur Gopur Gopur Gopur Grace Citra Dewi Grace Kelly Hadi Putri Sihombing Grace Tahapary Gunawan Widjaja Gusti Rusmayadi H.M.Anwar Hadenan Towpek Hadenan Towpek Hadi Purnomo Hafidurrahman, Moh Hafsah Us Hajar Mukaromah Hakim Muttaqim Halek Mu'min Halek Mu'min Halilurrahman Hamzah Al Imran Hanifah Nurul Muthmainah Harahap, Irwan Musriza Haris Numan Aulia Harlen Silalahi Harlina Kurniaty Harlina, Sitti Harsano Jayadi Harsya, Rabith Madah Khulaili Hartatik Hartatik Haruni Ode Haryadi Haryadi Haryono Haryono Hasan Ashari Hasdiana Hasibuan, Faisal Umardani Hasiun Budi Hasmia Melati Arifin Hasni Noor Hasrullah Hasrullah Hayu Lusianawati Hazmi, Muhammad Helda Marlin Ala Helda Yusita Helda Yusita Helmi Ali Hendra, Joni Hendri Khuan Hendri Khuan Hendri Khuan Heni Widyaningsih, Heni Henny Noviany Henny Noviany Henry Kristian Siburian Heppy Agustiana Vidyastuti Heri Setiyawan Heri Setiyawan Heri Susanto Heriani Heriani Herlina Lidiyawati Herny Constantia Fanggidae Herry M Polontoh Herwanto Herwanto Herwantono Hety Devita Hevi Susanti Hildawati Hiljati Hiljati Himawan Sutanto Hommy Dorthy Ellyany Sinaga Hosaini Hosaini Hurulaini Sekar Azzahra Husain Ali Husna Amin Husnah Katjina Husnayetti Husnayetti Hutabarat, Metyria Imelda Hydzulkifli Bin Haji Hashim I Dewa Gede Sayang Adi Yadnya I Dewa Gede Sayang Adi Yadnya I KETUT KUSUMA WIJAYA I Putu Gede Didik Widiarta I Putu Gede Didik Widiarta I Wayan Adi Pratama I Wayan Gede Suacana I Wayan Karang Utama Ia Kurnia Ibadurrahman Ibadurrahman Ibrahim Mallam Fali Ichsan Sjuhudi Ida Ayu Putri Suprapti Ignatius Septo Pramesworo IGP Ratih Andaningsih Ihat Subihat Ika Zakiah Ikhyanuddin Ikhyanuddin Ilham Ilham Akbar Bunyamin Ilham Akbar Bunyamin Ilham Ilham Illa Susanti Ilwandri Ilwandri Imam Hanafi Imam Jayanto Imam Subasman Imam Widodo Indah Rahayu Indah Sulistiani Indah Wati Indah Wati Indra Krishernawan Indra Rustiawan Indra Tjahyafi Indriastiningsih, Erna Ingrid Panjaitan Iradat Rayhan Sofyan Irma Irma Hakim Irmayanti Irmayanti Irsal Fauzi Irsyad Kamal Irwan Suryadi Irwan Suryadi Isah Fitriani Iskandar Iskandar Ismail Fahriassin Birah Ismail Nasar Ismaul Fitroh Ismed Wijaya Isnanto Bidja Istiarsyah, Istiarsyah Istiqomah Nur Rahmawati Ita Nurcholifah Ita Soegiarto Iwan Adinugroho Iwan Harsono Iwan Joko Prasetyo Iwan Kusnadi Iwan Kusnadi, Wahab Iwan Setiawan Iyad Abdallah Al- Shreifeen Iyad Abdallah Al- Shreifeen Iyad Abdallah Al-Shreifeen Izharuddin Pagala Ja'far Amir Jackson Yumame Jaka Darmawan Jamaluddin Majid Jan Horas Veryady Purba Januar Ida Wibowati Jasiah Jasiah Jasman Jasmin Jasmin Jata, I Wayan Jeheskial Saudale Jemmy Christian Rakinaung Jenuri Jhon Hericson Purba Jitu Halomoan Lumbantoruan Johan Wahyudhi Johni Eka Putra Johnny Chandra Joko Rianto Joko Sangaji Joni Bungai Joni Wilson Sitopu Jonni Mardizal Juni Iswanto K. M. Faisal Reza Kadek Dedy Herawan Kalijunjung Hasibuan Kalijunjung Hasibuan Kalsum, Ummy Khaeruman Khaerunnisa Khairul Nur Adli Khalid Rahman Khamaludin Khamaludin Klemens Mere KMT Lasmiatun Komang Shanty Muni Kosasih Krisdiana Kristiono, Natal Kristiurman Jaya Mendrofa Kristopo Kukuh Lukiyanto Kundori Kushariyadi Kushariyadi La Ili La Ode Rasidun Lapas Zoni Latif Karim Latifa Dinar Rahmani Hakim LAUNTU, ANSIR Lenny Nadriana Lensi Megah Retta Leonora Puspa Lia Nurina Liasulistia Ningsih Lina Maulidiana Listian Indriyani Achmad Listiana Sri Mulatsih Lola Mandasari Lola Yustrisia Luckhy Natalia Anastasye Lotte Lucky Mahesa Yahya Lukis Alam Lukmanul Hakim Luluk Faridah Lusiana Pratiwi Lutpi Samaduri Lydia Gustina Putri M Khoiri M Nuruz Zaman M Safii M. Ali Mauludin M. Amin Fatulloh M. Ammar Muhtadi M. Andri Juniansyah M. Anwar M. Anwar Aini M. Anwar Karnadi M. Aris Pujiyanto M. Fakhriansyah M. Masrukhan M. Masrukhan M. Rifqi Atsani M. Siddiqi M. Yemmardotillah M.Ammar Muhtadi M.M, Besse Faradiba Machzumy, Machzumy Made Susilawati Made Susilawati Magfira Mamonto Mahadi Pardede Mahardika Catur Putriwana Malik Mahardika, Aisyah Putri Rawe Mahdalena Mahdi Mahdi Mahdi Mahidin Fahmie Mahidin Fahmie Mahmuddin Mahmuddin Mahmudin Mahmudin Mahmudin, Tono Maiza Fikri Maiza Fikri Majidah Khairani, Majidah Maman Hariana Manu, Charisal B.S. Maria Yosefina Meinadia Sekar Kinanti Aswirawan Marita Damanik Marjuki Marjuki Maruf, Irma Rachmawati Marwan Effendi Marzuki Masri Ramadhan Masruri Masyaili Matnur Ritonga Maya Indriani Yacob Impak Mayndarto, Eko Cahyo Mazayatul Mufrihah B11212091 Mega Andani Mega Ilhamiwati Megandhi Gusti Wardhana Mei Rani Amalia Meiske Wenno Meisuri, Sri Apulina br Ginting and Mekar Meilisa Amalia Melati Dama Melia Roza, Melia Melly Susanti Melly Susanti Melyana R Pugu Mesak Yandri Masela Miftachul Amri Mira Miranda Mis F Situmeang Mislan Sihite, Mislan MISMIWATI, MISMIWATI MISMIWATI Mitra Musika Lubis Mitranikasih Laia Moch. Subekhan Moch. Sya'roni Hasan Mochamad Gilang A Mubarok Mochamad Irfan Moh Gifari Sono Moh. Erkamim Moh. Gufron Romadhoni Moh. Miftahul Arifin Moh. Samsul Arifin Mohamad Khairi Bin Haji Othman Mohammad Ahmad Bani Amer Mohammad Edy Nurtamam Mohammad Kus Yunanto Mohammad Taqiuddin Mohamad Mohd Kasturi Nor Abd Aziz Mohd Syahrin Mohd Syahrin Mokhamad Eldon Muh Syamsul Arifin Muh. Abduh Anwar Muh. Dzihab Aminudin S Muh. Ihsan Said Ahmad Muh. Rezky Naim Muh. Rezky Naim Muh. Safar Muhaimin Muhamad Akbar Muhamad Ammar Muhtadi Muhamad Ammar Muhtadi Muhamad Ammar Muhtadi Muhamad Ammar Muhtadi Muhamad Stiadi Muhamad Syafii Muhammad Abdul Ilah Muhammad Afief Mubayyin Muhammad Aga Sekamdo Muhammad Ammar Muhtadi Muhammad Arsyad Muhammad Faisal Muhammad Faqih Annshori Muhammad Furqon Muhammad Haridah Saputra Muhammad Ichsan Abda Muhammad Ihsan Dacholfany Muhammad Iqbal Muhammad Irfan Aditma Muhammad Irwan Muhammad Lucky Muhammad Rusdi Muhammad Sabir Muhammad Syafri Muhammad Syahrul Munir Muhammad Syaiful Muhammad Taswin MUHAMMAD YUSUF AR Muhammadong Muhammadong Muhdi Late Mukti Ali Mulyadi Mulyadi Munir Tubagus Munir Tubagus Muslahuddin As'ad Musran Munizu Mustofa Mustofa Mustopa Muthalib, Dzulfikri Azis Myra Cahyati Nadia Dwi Irmadiani Naf’an Torihoran Naiyun Untung Utama Najamuddin Petta Solong Najdah Thalib Najdah Thalib Nana Rolina Masloman Nana Suryapermana Nanang Qosim Nanang Yusroni Nanang Zakaria Nanda Hidayati Nanny Mayasari Narendra Jumadil Haikal Ramadhan Nasaruddin Nasaruddin Nashirotun Nisa Nurharjanti Nasruddin Nasruddin Natal Kristiono Navel Oktaviandy Mangelep Nekky Rahmiyati Nenden Hendayani Nenni Triana Sinaga Ngurah Pandji Mertha Agung Durya Ngurah Pandji Mertha Agung Durya Ni Desak Made Santi Diwyarthi Ni Luh Sri Suryaningsih Ni Nyoman Suarniki Ni Putu Suda Nurjani, Ni Putu Suda Nicko Albart Nicko Albart Niken Savitri Primasari Nina Triolita Nindy Puspitasari Ningsih, Nurul Hidayati Indra Ningsih, Sulistio Ningsih, Tri Widyastuti Nirwan Mulyatno Nisa Miftachurohmah Nofirman, Nofirman Noor Fazariah Handayani Nopianti, Rina Nova Erliyana Novianty Djafri Novianty Djafri Novidayanti M. Novira Fazri Nanda Ns. Naziyah Nun Arinal Haqqa El Mustafa Nuniek Yuniarti Ningsih Renggaala Nunut Asniar NUR AWWALUNNISA Nur Aziza Komalasari Nur Hakim Nur Hakim Nur Hikmah Huba Nur Khotijah Nur Kurniasari Nurbeti Nurbeti Nurchayati Nurchayati Nurdin I. Muhammad Nurhikmah Paddiyatu Nuridayanti Nuridayanti Nurjanna Ladjin Nurlaili Rahmi Nurlina Aris Nurnaningsih, Rita Nurul Aini Nurul Fadhilah Nurul Hasanah Nurul Saila Nurussama Nuryati Solapari Oggy Akmadani Okevanrianus Putra Hernat Okta Karneli Olyvia Rosalia Opan Arifudin Oskar Hutagaluh Otong Sulaeman PA Andiena Nindya Putri PA Andiena Nindya Putri Pandu Lesmana Paramita Andiani Pardin Lasaksi Parni Parni Pertiwi, Yuarini Wahyu Petrus Jacob Pattiasina Petrus Loo Pirmanta Sebayang Poetri AL-Viany Maqfirah Pramudi Harsono Pratama Dahlian Persadha Pratiwi Subianto Prihantini Prihantini Puji Wahyu Mulyani Pupung Purnamasari Purnamasari, Etika Purwidi Sumaryanto Purwinahyu Purwinahyu Purwoko, Purwoko Puspita, Kori Puspitarini, Erri Wahyu Puteri Aprilani Putra, Trimardi Jaya Putu Gede Subhaktiyasa Qubaila Fazrin Ega Soraya R. Nurhayati Rabith Madah Khulaili Harsya Rachmadi Indra Praja Rachmawati Novaria Raden Ayu Trisnayoni Radityo Kusumo Santoso Rafika Nisa Rahadiyan Surya Rahayu Retnaningsih Rahma Hayati Harahap Rahma Helal Al_ Jbour Rahman Tanjung Rahmat Joko Nugroho Rahmat Joko Nugroho Rahmat Joko Nugroho Rahmat Ramdhani Rahmat Shodiqin Rahmawati Dian Nurani Rahmi Setiawati RAHMI, ELVI Raihana Raihana Ralahallo, Fransiska Natalia Ram, St Wijdanah Ramadhani, Muhammad Ridho Ramdan Yusuf Ramli Semmawi Ramli, Kaharuddin Rani Eka Arini Rani Eka Arini Rani Noeraeni Rasmi Rasna Ratih Andaningsih Ratih Pratiwi Ratna Ayu Dewi Ratna Jaya Ratnawati Yuni Suryandari Ratnawita Ratnawita Raymond Wahyudi Refiana Yuliawati Reihan Putri Rendi Mark Sowaha Duha Rendro Laksmono Rendy Renaldy, S.H., M.Kn.,C.P.Li.,C.P.Arb.,C.P.M.,C.P.C. Rengga Yudha Santoso Rengga Yudha Santoso Renika Hasibuan Renny Lubis Rerin Maulinda Resma Bintani Gustaliza Restu Auliani Retnawati Siregar Retno Dewi Prisusanti Reza Ronaldo Reza, Heru Kreshna Rezky Nurbakti Rhisty Frida Utami Rian Ardianto Rian Mitasari Riani Prihatini Ishak Rianti Setyawasih Ribut Musprihadi Richa Fionasari Rida Ristiyana Rif'ah Shafwah Rifky Lana Rahardian Rika Lidyah Rika Nurhayati Rika Santina, S.H., M.H Riki Astafi Rina Destiana Rinda Riztya Rini Ariyanti Rini Fitrianingrum Rini Fitrianingrum Rini Fitrianingrum RINI HADIYATI Ris Akril Nurimansjah Risa Juliadilla Risman Saripudin Risqah Amaliah Kasman Rissa Megavitry Rita Hayati Rita Zulbetti Rival Pahrijal Rival Pahrijal Riyanti, Apriani Rizal R. Manullang Rizky Abdillah Robby Kurniawan Rollys Suriani Romadhon Rosa Fitriana Rosdiana Rosdiana Arief Tang Rosdiana Imroati Kurnia Tanjung Rosma Ndiak Rostini Rostini Rostini Rosyid Nurrohman Roy Setiawan Rudi Kurniawan Rudy Badrudin Rukimin Rukimin Rully Fildansyah Rully Fildansyah Runik Machfiroh Rusdi Rusdi Rusdi Rusdi Rusdianto Rusdianto Rusiadi Rustiyana, Rustiyana Rusydi Rusydi Ryketeng, Masdar S Pentanurbowo Saadah Erliani Sabalius Uhai Sabda Imanirubiarko Sabil Mokodenseho Safruddin Safruddin Safruddin Safruddin Sagira Sagira Sahrul Said Hamzali Saida Said Saida Said Salwa Aulia Novitasari Salwa Aulia Novitasari Salwa Aulia Novitasari Samalua Waoma Samsidar Samsu . G Samuel PD Anantadjaya Saparman Saparman Sapta Nur Fallah Saputri, Dwi Yuniasih Sari Mariahma Nova Sipayung Sari, Efti Novita Sarlota Singerin Sarpika Datumula Saryanto Saryanto Satya Arisena Hendrawan Sehan Rifky Sella Antesty Selly Swandari Selvia Junita Praja Selvita Meilansari Septiana Na'afi Septina Elida Sherly Etika Sari Shohib Muslim Shohib MUSLIM Silvia Ekasari Silvia Rahayu Silvia Rahayu Siminto Siminto Siminto Siminto Siminto Sisca Cletus Lamatokan SISKA APRIANTI, SRI HARTATY, INDRA SATRIAWAN Siska Armawati Sufa Siska Armawati Sufa Siska Dwi Yulianti Siska Yuli Anita Siska Yulia Defitri Siswahyudianto Siti Annisa Wahdiniawati Siti Chadijah Siti Indah Siti Madina Lantong Siti Maria Siti Masruroh Siti Nurhayati Siti Sumiati Siti Yayu Wattiheluw Siti Zuhroh Sitti Hasnah Sitti Rahmah Sitti Ramelan Chadidjah Sofia F Rahmani Solicha Solicha Solihin, Dadin Soni Suardi Sopyan Sopyan Sri Dewi Lisnawaty Sri Dewi Yusuf Sri Haryanto Sri Hermuningsih Sri Isfantin Puji Lestari Sri Mulyono Sri Nurhayati Sri Sumantri Sri Suryani Sri Widiastuti Suarni, Ertati Sudarmanto, Eko Sufri Mashuri Sugeng Karyadi Sugianto, Efendi Sugiarto Sugiarto Sugiharti Sugiharti Suhana Sarkawi Suharto Suharto Suhartono Suhartono Sukini Sukini Sukriyadi Sulaiman Sulaiman A Sulaiman Efendi Siregar Sulaiman Mansyur Sulaiman Sulaiman Sulfianty Sulistiani, Indah Sulistyo Andarmoyo Sulistyo Budi Utomo Sulistyowati, Nur Wahyuning Sumarni Sumarni Sunaeni Sunarmie Sunarmie Sunarmie Sunarto Supriandi Supriandi Supriandi Supriandi Supriandi Supriandi Suprihatin Suprihatin Suprihatin Supriyanto Suratman Suratman Suriadi Suriah Hanafi Suroso Suroso Suryani Sutarto Sutarto Sutono Sutono Suwandi, Prastika Tjeng Syaepudin Syaepudin Oe Syafaat Rudin Syafril Barus Syaiful Pakaya Syamsinar Syamsinar Syamsu Basiri Syamsu Rijal Syamsul Arifin Syamsuri Syamsuri Syarif Hidayatullah Syarif, Mohammad Syarifuddin Syarifuddin Syarifuddin Syarifuddin Syarifuddin Yusuf Syatria Adymas Pranajaya Syawal Aprian Syawal Zakaria T. Saiful Basri Tamrin Lanori Tania Prinita Aulia Mamonto Tanti Widia Nurdiani Tanti Widia Nurdiani Tasrip Tasrip Tati Handayani Tati Handayani Taufik Harahap Taufikin Taufikin Taufiqurokhman Taufiqurokhman Teddy Oswari Teguh Aprianto Teguh Wibowo Tehedi Tehedi Tengku Hasan Basri Tengku Ine Hendriana Tera Lesmana Tera Lesmana Teti Anggita Safitri, Teti Anggita Tharienna Dhesta Kusuma Dewi Thitus Gilaa Tia Tanjung Tindra Manangin Tirangga Ansori Tirta Yoga Titiek Rachmawati Titik Haryanti Titik Purwaningtyas Titik Purwati Titin Endrawati Titin Hartini Tomi Apra Santosa Tomi Apra Santosa Toto Heriyanto Tri Apriyono Trikoesoemaningtyas Trinandari Prasetya Nugrahanti Trinandari Prasetyo Nugrahanti Triyani Capeg Hadmandho Triyono, Bambang Triyugo Winarko Tungga Bhimadi Karyasa Tupan Tri M Tuti Hartati U. Yuyun Triastuti Ujang Suherman Ulfatun Wahidatun Nisa Ulin Naini Umar Kholil Umi Salawati Umi Setyorini Umi Zunaidah Unika Oktaviani Damau Untung Muhdiarta Upus Piatun Khodijah Urika Urip Sudiana Usman Tahir Usman Tahir Usmany, Paul Utomo, Jepri Vegitya Ramadhani Putri Vera Aryani Vierkury Metyopandi Vina Karina Putri Vivid Violin Wahab Wahab Wahyu Sri Atutik Wahyudin Rahman Wahyudin Wahyudin Wahyudin Wahyudin Wahyuni Istiqomah Adha Wahyuni Sri Astutik Walla Astianty Putri Wandi Sujatmiko Wawan Supriyanto Weda Febriyanto Weni Indah Doktri Agus Tapaningsih Wenny Desty Febrian Febrian Widya Armalia Widyatmike Gede Mulawarman Widyatmoko Widyatmoko Wigianto Budiawan Wijayanti, Indah Oktari Wilson Candra Teguh Pratama Wily Mohammad Winarto Ramlan Wira Pramana Putra Wirawati Abjan Wiwik Handayani Wulan, Dewi Putri Anjar Wulandari Wulandari Wulandari Yadi Suryadi Yahdinil Firda Nadirah Yahman Yahman Yahya Yahya Yamolala Zega Yamtana Yamtana Yana Priyana Yana Priyana Yance Manoppo Yendri Deswin Yenni Kurnia Gusti Yeti Rohayati Yocki Yuanti Yohanis Hukubun Yosep Heristyo Endro Baruno Yosep Heristyo Endro Baruno Yossy Dwi Erliana Yuarini Wahyu Pertiwi YUDI NUR SUPRIADI Yudithia Dian Putra Yuli Alam Yulistiyono, Agus Yumhi Yumhi Yunia Oktari Yunita Sopiana Yupiter Mendrofa Yusniar Yusniar Yusniar Yusniar Yusran Ilyas Yuswardi Yuswardi Yuyun Suprapto ZA, Saida Zainurossalamia Zainal Abidin Zainal Arifin Zainur Rafik Zami Furqon Zet Abdullah Zulfa Zainuddin Zulkifli Zulkifli Zulvia Trinova Zunan Setiawan