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All Journal At-Taradhi: Jurnal Studi Ekonomi Jurnal Al-Iqtishad Islamic Ecomonics Journal Jurnal Al-Qardh Al Tijarah NUANSA: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam al-Uqud : Journal of Islamic Economics Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah EQIEN - JURNAL EKONOMI DAN BISNIS Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Jurnal Pengabdian Kepada Masyarakat MEMBANGUN NEGERI Kumawula: Jurnal Pengabdian Kepada Masyarakat EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business JIEB : Jurnal Ilmiah Ekonomi Bisnis Journal of Islamic Economics and Finance Studies Journal of Islamic Economics and Philanthropy Jurnal Penelitian Mahasiswa Ilmu Sosial, Ekonomi, dan Bisnis Islam (SOSEBI) Empowerment: Jurnal Pengabdian Masyarakat AMALA Jurnal Pengabdian Kepada Masyarakat el hisbah: Journal of Islamic Economic Law Al-Aflah JCAIP: Journal of Contemporary Applied Islamic Philanthropy Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Jurnal Penelitian Mahasiswa Ilmu Sosial, Ekonomi, dan Bisnis Islam (SOSEBI) Alkasb: Journal of Islamic Economics Mitsaq : Islamic Family Law Journal Al-Infaq : Jurnal Ekonomi Islam
Atika Zahra Maulida
UIN Antasari Banjarmasin
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IMPLEMENTASI ISLAMIC FINANCIAL PLANNING DALAM PERENCANAAN KEUANGAN PENGUSAHA MUSLIM ALUMNI GONTOR YOGYAKARTA Agus Purnomo; Atika Zahra Maulida
NUANSA: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam Vol. 14 No. 1 (2017)
Publisher : Research Institute and Community Engagement of IAIN MADURA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/nuansa.v14i1.1315

Abstract

Wealth is something very important in human life, Islam has set wealth managementclearly both personal and public. Today the concept of Islamic Financial Planning is being developed as modern wealth management for Moslems which have been modified to adjust the demands of the times. The concept of Islamic Financial Planning is trying to accommodate the particula rneeds of the Muslim entrepreneurs. This study al soreviews and discusses about the implementation of Islamic Financial Planning among Muslim entrepreneurs. This study aims to capture and analyze the application of Islamic Financial Planningin business practices of Muslim entrepreneurs.This research is a field research. The object of this studyis entrepreneurs of Gontor’s Alumni (10 informants), who are assumed to have been very familiar with the Islamic property management. Data are collected through interviews, observation and documentation. It was then analyzed using a qualitative descriptive method. The result ofthis studyis that almost of the 10 informants have implemented both Islamic Financial Planning and Islamic wealth management. In the instruments of Investment, saving, and filantropy all of the ten informants have implemented. but the other instrument, like insurance, testament, and bequest, all informants haven’t implemented yet. All informants have also implemented The guidance of Islamic Wealth Management, are: seeking for wealth (kasb), purchasing (infaq), and saving. Gontor also contributed in the business of informants, both in learning and networking. 
Green Sukuk Retail Towards Sustainable Development in Indonesia Atika Zahra Maulida; Noormailati; Agus Purnomo
Islamic Economics Journal Vol. 9 No. 1 (2023)
Publisher : University of Darussalam Gontor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21111/iej.v9i1.9362

Abstract

Green Sukuk is one of the products in the Sharia capital market that wants to be developed to encourage the country's economic growth by applying Sharia principles. Green sukuk buying and selling transaction agreement using wakalah contract and ijarah. The issuance of Green Sukuk on retail sukuk products issued by issuers can encourage the country's economic growth. This study aims to determine the development and economic growth through green sukuk products in retail sukuk products.   This research uses qualitative methods with a literature review approach from previous research. The data collection method examines previous research in articles and progress reports, transactions, and economic growth from 2019 to 2022. The results of the data that have been collected will be used to answer the growth and development of green sukuk transactions on ST0060 retail sukuk products issued by the government and by private companies. The study's results explain that the performance improvement in retail sukuk products has increased yearly.  The performance of the Net Asset Value of retail sukuk (green sukuk) NAV in 2019 increased by 3.56%; in 2021, the performance value of the Net Asset Value of Bersi h decreased by 2.83% due to the impact of the Covid-19 pandemic.  In FY2022, the performance value of net assets increased by 41% due to stable economic performance. The role of government encouragement and economic performance growth has an impact on increasing Sharia capital market investors in retail sukuk products in 2022. The impact of performance, growth, development, and transaction growth on retail sukuk ST006 can be illustrated in the pattern. The graph shows a positive direction affecting the country's economic growth.
The Effect of Dividends and Capital Gains on Underlying Assets in Green Sukuk Agus Purnomo; Atika Zahra Maulida
Journal of Islamic Economics and Finance Studies Vol 4 No 2 (2023): JIEFeS, December 2023
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v4i2.6473

Abstract

Underlying assets are one of the required instruments for issuing sukuk to attract investors to invest in the Sharia capital market. Green sukuk is one of the sharia investment instruments issued by companies for retail sukuk products and has the aim of obtaining funding through debt securities or securities to encourage the company's growth and development performance through underlying assets. This research aims to determine the effect of dividends and capital gains on the underlying assets in retail sukuk. This research method uses a quantitative method with a descriptive approach. In collecting data, the random sampling method was used, where the research determined the number of samples using the Slovin method to know the number of samples and determine the sample categories for distributing questionnaires. The results of dividend research do have a significant influence on underlying assets. Based on the graph, dividend distribution has increased every year, thereby influencing the growth performance of underlying assets. A company will be said to be good if the income it earns is greater than its expenses, so it affects the company's assets. While capital gains also have a significant effect on the underlying assets in retail sukuk, it does not rule out the possibility that they will be influenced by other factors that are related to capital gains.   Underlying aset merupakan salah satu instrumen yang diperlukan dalam penerbitan sukuk untuk menarik minat investor berinvestasi di pasar modal syariah. Green sukuk merupakan salah satu instrumen investasi syariah yang diterbitkan perusahaan untuk produk sukuk ritel dan bertujuan untuk memperoleh pendanaan melalui surat utang atau surat berharga untuk mendorong pertumbuhan dan perkembangan kinerja perusahaan melalui aset yang mendasarinya. Penelitian ini bertujuan untuk mengetahui pengaruh dividen dan capital gain terhadap underlying asset pada sukuk ritel. Metode penelitian ini menggunakan metode kuantitatif dengan pendekatan deskriptif. Dalam pengumpulan data digunakan metode random sampling, dimana penelitian menentukan jumlah sampel dengan menggunakan metode Slovin untuk mengetahui jumlah sampel dan menentukan kategori sampel untuk penyebaran kuesioner. Hasil penelitian dividen memang mempunyai pengaruh yang signifikan terhadap aset dasar. Berdasarkan grafik, pembagian dividen mengalami peningkatan setiap tahunnya sehingga mempengaruhi kinerja pertumbuhan aset dasar. Suatu perusahaan akan dikatakan baik apabila pendapatan yang diperoleh lebih besar dibandingkan dengan pengeluarannya, sehingga mempengaruhi kekayaan perusahaan. Meskipun capital gain juga berpengaruh signifikan terhadap aset dasar sukuk ritel, namun tidak menutup kemungkinan hal tersebut akan dipengaruhi oleh faktor lain yang terkait dengan capital gain.
PEMANFAATAN LIMBAH BIJI KARET MENJADI OLAHAN MAKANAN KRIPIK BERNILAI EKONOMIS Purnomo, Agus; Purnamasari, S.; Hadi, Abdul; Zahra Maulida, Atika
Kumawula: Jurnal Pengabdian Kepada Masyarakat Vol 6, No 2 (2023): Kumawula: Jurnal Pengabdian Kepada Masyarakat
Publisher : Universitas Padjadjaran

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24198/kumawula.v6i2.42025

Abstract

Banjarmasin merupakan daerah yang memiliki sungai yang luas dan pertanian dan perkebunan. Kalimantan selatan merupakan penghasil perkebunan karet terbanyak di pulau Kalimantan. Setiap hari para petani memetic hasil dari perkebunan karet sebesar 6,7 juta ton karet. Masyarakat Kalimantan selatan mengambil dari hasil pohon karet dalam bentuk getah yang bisa di jual. Adanya limbah biji karet yang tidak dimanfaatkan sehingga, limbah biji karet menjadi busuk dan mencermari lingkungan di sekitarnya. Adanya pemanfaatan limbah biji karet untuk dioleh menjadi olahan makanan yang memiliki nilai jual tinggi. Tujuan pelaksanaan pengabdian kepada masyarakat untuk memberikan pelatihan kepada masyarakat dalam memanfaatkan limbah biji karet dan menambah pendapatan masyarakat petani karet melalui olahan biji karet. Wanaraya adalah salah satu daerah di provinsi Kalimantan selatan kabupaten barito kuala memiliki luas lahan perkebunan karet terbesar di kabupaten barito kuala. Hasil dari perkebunan yang didapatkan di daerah wanaraya seperti:  pohon karet, pohon kelapa sawit, dan padi. Metode pelatihan pembuatan biji karet menjadi olahan makan seperti kripik biji karet dan kacang koro. Dalam pelatihan pembuatan makanan berbahan biji karet sebagai berikut: pertama memilih biji karet yang baru jatuh dari pohon, kedua, memisahkan kulit biji karet dari cangkang buah biji karet, ketiga, merebus daging biji karet, keempat, memisahkan buah biji karet dari kulit ari, kelima, pembuatan kripik dan kacang koro, keenam penjemuran, ketuju pengorengan kripik dan kacang koro, kedelapan pemberian rasa pada kripik dan kacang koro. Adanya pelaksanaan kegiatan ini berupa pelatihan pembuatan makanan ringan berbahan biji karet kepada masyarakat petani karet untuk memberikan peluang usaha dan penambahan pendapatan masyarakat petani karet dalam memanfaatkan limbah biji karet menjadi olahan makanan yang bermanfaat, memiliki nilai jual, menambah pendapatan, dan mengurangi tingkat limbah biji karet yang tidak dimanfaatkan. Banjarmasin is an area that has a large river and agriculture and plantations. South Kalimantan is the largest producer of rubber plantations on the island of Kalimantan. Every day the farmers memetic the yield from rubber plantations amounting to 6.7 million tons of rubber. The people of south Kalimantan take from rubber tree products in the form of sap that can be sold. The existence of rubber seed waste that is not used so that rubber seed waste becomes rotten and pollutes the surrounding environment. Rubber seed waste is used to be obtained into processed food with a high selling value. The purpose of implementing community service is to train the community in utilizing rubber seed waste and increase the income of the rubber farmer community through processed rubber seeds. Wanaraya is one of the areas in the southern Kalimantan province of Barito Kuala regency, which has the largest rubber plantation area in Barito Kuala regency. The results of plantations obtained in the wanaraya area include rubber trees, oil palm trees, and rice. Training methods for making rubber seeds into processed foods such as rubber seed chips and koro beans. In training on making food made from rubber seeds, as follows: first, choose rubber seeds that have just fallen from the tree. Second, separate the rubber seed skin from the shell of the rubber seed fruit. Third, boil the rubber seed flesh. Fourth, separate the rubber seed fruit from the epidermis. Fifth, the manufacture of chips and koro beans. The sixth is drying, the aiming of chips frying and koro beans, and the eighth gives flavour to the chips and koro beans. The implementation of this activity is in the form of training on making snacks made from rubber seeds for the rubber farmer community to provide business opportunities and increase. The income of the rubber farmer community in utilizing rubber seed waste into processed foods that are useful, have selling value, increase income, and reduce the level of rubber seed waste that is not used.
Young Entrepreneur Financial Planning Training (Pkpm) During the Covid 19 Pandemic Purnomo, Agus; Purnamasari, S.; Hani, Umi; Zahra Maulida, Atika
Amala Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 1 (2023): May 2023
Publisher : Faculty of Economics and Islamic Business State Islamic University of Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/amala.v2i1.79

Abstract

Wealth is something that is very dharuri in human life, Islam has clearly regulated the management of wealth both personally and publicly. With possessions, humans can meet the needs of life both material and immaterial. The concept of Islamic Financial Planning (Sharia) or Islamic Financial Planning has a universal nature that can not only be applied to entrepreneurs during the Covid 19 virus pandemic so that business actors can plan products and finances when the Covid 19 virus outbreak hits the Indonesian homeland. In financial planning, entrepreneurs are able to provide training and financial preparation when experiencing a decrease in sales or a decrease in income due to the outbreak of the Covid-19 virus which results in a decrease in business performance and a decrease in business performance in financial design in the form of business and non-business. The implementation of this service activity is using training methods on how to prepare financial planning, marketing preparation, preparation of product quality results with the aim of being able to maintain business during the outbreak of the covid 19 virus.The outcome of this service activity is that business actors can plan finances, sales / marketing, and produce quality products that can compete in the market during the disaster of the covid 19 virus outbreak so that, A business that can survive and not suffer losses when a virus outbreak strikes.
Islamic Public Finance: Productive Zakat and Taxes As Instruments of The Country's Economy Zahra Maulida, Atika; Purnomo, Agus
Journal of Contemporary Applied Islamic Philanthropy Vol. 1 No. 2 (2023): JCAIP
Publisher : Nuban Jagadhita Centre

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62265/jcaip.v1i2.45

Abstract

Purpose: This research aims to determine productive zakat and taxes in the management and distribution of funds for economic activities, education, health, and infrastructure. Zakat and taxes are instruments of income obtained by the community that must be spent based on the provisions stipulated in the Al-Quran and Hadith, while taxes are instruments of state income collected from the community from income tax, land, and building tax, value-added tax, income tax, and others. Methodology: The research method in this study uses a qualitative method with a descriptive approach using interview data and report data on the collection and distribution of productive zakat funds and taxes for the country's economic growth. This research data was collected using structured interviews regarding the collection and distribution of funds in economic activities, education, health, and infrastructure to provincial BAZNAS staff and South Kalimantan provincial tax staff. Findings: There are findings in research conducted by researchers that the contribution of productive zakat funds and taxes distributed in economic activities, education, health, and infrastructure development has an impact on regional economic growth of 56% from 2022-2023, and while the instrument is equal to 87 %.
PENGARUH GAYA KEPEMIMPINAN DAN MOTIVASI KERJA TERHADAP KINERJA KARYAWAN PEGADAIAN SYARIAH CABANG KEBUN BUNGA BANJARMASIN putra, muhammad satria wahyu eka putra; Maulida, Atika Zahra
Jurnal Ilmiah Ekonomi Bisnis Vol 10 No 1 (2024): JURNAL ILMIAH EKONOMI BISNIS
Publisher : Jurnal Ilmu Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35972/jieb.v10i1.1452

Abstract

Penelitian ini dilatarbelakangi oleh suatu fenomena dimana dalam suatu perusahaan sumber daya manusia yang terdiri dari pemimpin dan karyawan merupakan suatu permasalahan dan penentu yang cukup penting bagi perusahaan. Selain itu pemimpin melalui penerapannya memiliki pengaruh yang sangat besar bagi perusahaan yang dipimpinnya karena gaya kepemimpinannya dan cara memotivasi bawahannya akan mempengaruhi kualitas kinerja yang dihasilkan oleh karyawannya. Dalam hal ini peneliti menguji Pengaruh Gaya Kepemimpinan Dan Motivasi Kerja Terhadap Kinerja Karyawan Pegadaian Syariah Cabang Kebun Bunga Banjarmasin. Jenis penelitian yang dilakukan oleh peneliti ini adalah penelitian lapangan (field research) menggunakan metode penelitian pendekatan deskriptif kuantitatif. Sampel yang digunakan pada penelitian ini sebanyak 30 responden, metode pengumpulan data yang dilakukan peneliti dengan menyebarkan kuesioner atau angket ke masing-masing karyawan yang ada di ruang lingkup Pegadaian Syariah Cabang Kebun Bunga Banjarmasin. Hasil penelitian menunjukkan bahwa (1) Adanya pengaruh simultan pada variabel Gaya Kepemimpinan dan Motivasi Kerja terhadap Kinerja Karyawan Pegadaian Syariah Cabang Kebun Bunga Banjarmasin. Hasil ini dapat dilihat dari nilai F hitungnya 28.560 > 3.35 dan pada nilai signifikansi 0.000 < 0.05. (2) Adanya pengaruh parsial pada masing masing variabel bebas terhadap Kinerja Karyawan Pegadaian Syariah Cabang Kebun Bunga Banjarmasin. Hal ini dapat dilihat dari Variabel X1 terhadap Y nilai T hitungnya 6.674 > 2.052 dan pada nilai signnifikansi 0.000 < 0.05. Kemudian pada Variabel X2 terhadap Y nilai T hitungnya 6.605 > 2.052 dan pada nilai signifikansi 0.000 < 0.05.
Penerapan Sistem QRIS Dalam Penghimpunan Dana dan Penyaluran Dana Infaq Untuk Pemberdayaan Ekonomi Purnomo, Agus; Hadi, Abdul; Purnamasari, Shofia; Maulida, Atika Zahra
EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan) Vol 8 No 2 (2024): EKSISBANK (Ekonomi Syariah dan Bisnis Perbankan)
Publisher : STIES INDONESIA PURWAKARTA Dan MES PURWAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37726/ee.v8i2.1377

Abstract

Penerapan sistem QRIS dalam pengumpulan dana infaq dapat memudahkan, cepat, aman, dan praktis dalam menyalurkan dana infaq. Dana Infaq yang terkumpul akan dikelola untuk kegiatan pemberdayaan ekonomi guna mendorong pertumbuhan ekonomi dan mengurangi pengangguran. Tujuan Penelitian mengetahui penghimpunan dana dan penyaluran dana infaq untuk pembangunan ekonomi umat. Melalui kegiatan kegiatan pemberian modal usaha, Pendidikan, Kesehatan dan wirausaha kepada masyarakat fakir miskin. Metode Penelitian mengunakan pendekatan deskriftif kualitatif dengan saple menggunakan purposive sampling. Teknik pengambilan sampel dengan metode wawancara dengan menentukan informan didasarkan pada ketentuan kategori sampel yang telah ditentukan oleh peneliti. Sumber data Dana Infaq yang terkumpul dan disalurkan dalam kegiatan pemberdayaan ekonomi umat. Kesimpulan data penelitian dalam bentuk laporan dan dicatat berdasarkan sistem transaksi digital. Penagihan dana Infak selain menggunakan QRIS dapat dengan cara lain seperti transfer antar bank Syariah dan lainnya. Setiap dana infaq yang diberikan kepada pelaku UMKM dan masyarakat miskin akan dipantau dan dievaluasi untuk menghindari risiko yang terjadi. Kegiatan pemberdayaan ekonomi umat dalam kegiatan pemberian modal usaha, Pendidikan, Kesehatan dan wirausaha kepada masyarakat fakir miskin. Dana infaq yang di himpun dan disalurkan sebagai solusi pengentasan kemiskinan dan pertumbuhan ekonomi daerah melalui program pemberdayaan ekonomi umat untuk mengurangi angka kemiskinan.
Strategic Management Analysis on Sharia Cooperative Problems in South Kalimantan in the Digital Era Naimah, Naimah; Zahra Maulida, Atika; Mahfuzah, Annisa
Tasharruf: Journal Economics and Business of Islam Vol 9, No 2 (2024): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v9i2.3151

Abstract

Entering the era of globalization, paradigm transformations in the world of internet, telecommunications, and mobile technology have a tremendous impact on the business world, including one of the areas that must be expanded and exploited optimally: cooperatives that assist low- and middle-income residents. There is a shift in cooperative management strategies employing digital transactions by adopting the following SWOT analysis: 1) the existence of digital transactions in Sharia cooperatives reduces money loans through loan sharks, 2) digital services are easy to understand and implement, transactions may be made anywhere and anytime, 3) lack of human resources who understand digital transactions, 4) ecosystem expansion and digitization in the financial sector, and 5) digital cybersecurity threats that can jeopardize both data and cooperative reputation. This research approach is a qualitative analysis using field-based interview standards. Data was collected using a purposive sampling strategy, with informants selected from Sharia cooperative managers, consumers, and directors. Strengths, weaknesses, threats, and opportunities were identified using SWOT analysis based on the interview data. The outcome of this study is the growth of sharia cooperatives in South Kalimantan, which face both internal and external challenges. These include a lack of human resources, the accessibility of digital-era infrastructure, cooperative management, the types of businesses and products that are offered, product marketing, cooperative institutions, and banking administration management. Based on the study's findings, the researcher came to the conclusion that applying the digital age to Sharia cooperatives has strengths, weaknesses, opportunities, and threats. These include assessing the community's needs, developing strategies and techniques for achieving cooperative goals, creating budgets and programs, and monitoring and managing the digital economic transformation applied to sharia cooperatives.
Efektivitas Kebijakan Penghimpunan Dana Zakat Infaq Dan Sodaqoh (ZIS) Dengan Menggunakan Payroll System Aminah, Siti; Maulida, Atika Zahra
el hisbah Journal of Islamic Economic Law Vol 4 No 2 (2024)
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/elhisbah.v4i2.9272

Abstract

This study aims to analyze the effectiveness of the ZIS fund collection policy using  the payroll system for civil servants by BAZNAS Banjarmasin City as the fund collector and manager.  The type of research used is empirical legal research with a combination approach (mix methods). The population of this study is 4,562 people. The research sample is 4,442 people with purposive sampling technique. Data analysis uses interactive analysis techniques and descriptive statistics. The results of the study are known from the collection of the ZIS payroll system for Banjarmasin City civil servants by BAZNAS Banjarmasin City in the process of  the payroll system is carried out through a 2.5% salary  deduction for muzakki civil servants  in groups III and IV. Then deductions of Rp. 5,000 and Rp. 10,000 for civil servants of groups I and II by the treasurer in each work unit. This policy is considered quite effective in collecting ZIS funds with the fulfillment of the indicators of substance, structure and legal culture. However, due to the policy being applied without coercion and is not required to all civil servants, the potential for ZIS payroll system funds for Banjarmasin City civil servants in 2023 is not in line with its realization. The contribution of this research is the evaluation of the implementation of the ZIS collection policy using the payroll system. In addition, the results of this study can be a model for implementation in other regions, especially in building a more structured, transparent, and legal-based ZIS collection system.
Co-Authors Abdul Hadi Agus Purnomo Agus Purnomo Agus Purnomo Agus Purnomo Agus Purnomo Agus Purnomo Alrusjdah, Sabiqah Insani Annisa Mahfuzah ANNISA SAYYID Asyahri, Yusuf Difi Dahliana Fatimah Tuzahra, Siti Hafizah Hafizah Hani, Umi Ilmiah, Maeyza Kholisyatul Khairina, Nadia Lestari, Dian Ayu Maulidatul Islami Ma’mun, Muhammad Yulian Muhammad Arsyad Al Banjari Banjarmasin Muhammad Rifqi Hidayat Muzdalifah Muzdalifah Naimah Naimah Noormailati Normailati, Normailati Purnamasari, S Purnamasari, S. Purnamasari, Shofia Purnomo, Agus putra, muhammad satria wahyu eka putra Radhiati, Raisa Risda Risdiana Siti Aminah Zakiyah Zakiyah Zakiyah Zakiyah