p-Index From 2021 - 2026
14.885
P-Index
This Author published in this journals
All Journal JURNAL ECONOMIA Jurnal Manajemen Bisnis Jurnal Wira Ekonomi Mikroskil JURNAL ILMIAH MANAJEMEN & BISNIS Journal of Educational Science and Technology Journal of Consumer Science Al Ishlah Jurnal Pendidikan International Journal of Artificial Intelligence Research Jurnal Manajemen & Keuangan Journal of Economic, Bussines and Accounting (COSTING) Jurnal Mantik Penusa Jurnal Ilmiah Professional Indonesia Primanomics : Jurnal Ekonomi & Bisnis Jurnal Abdi Ilmu Jurnal Mantik JOURNAL OF BUSINESS STUDIES EKONOMI BISNIS Jurnal Ekuivalensi International Journal of Economics Development Research (IJEDR) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ilmiah Manajemen Kesatuan International Journal of Business Economics (IJBE) Enrichment : Journal of Management Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Ekonomi Bisnis Manajemen Prima Janaka : Jurnal Pengabdian Masyarakat GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Journal of Management and Bussines (JOMB) International Journal Of Science, Technology & Management (IJSTM) Economics and Digital Business Review International Journal on Social Science, Economics and Art Jurnal Manajemen Retail Indonesia (JMARI) Jurnal Ekonomi Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Jurnal Ilmiah Mahasiswa Perbankan Syariah (JIMPA) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Manajemen dan Bisnis JEKKP (JURNAL EKONOMI, KEUANGAN DAN KEBIJAKAN PUBLIK) International Journal of Applied Finance and Business Studies Jurnal Bina Bangsa Ekonomika Arus Jurnal Sosial dan Humaniora ProBisnis : Jurnal Manajemen Jurnal Minfo Polgan (JMP) Indonesian Journal of Social and Educational Studies Journal of Applied Sciences in Travel and Hospitality CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Startupreneur Business Digital (SABDA Journal) Proceeding of The International Conference on Economics and Business The International Conference on Education, Social Sciences and Technology (ICESST) International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) JAMPARING: Jurnal Akuntansi Manajemen Pariwisata dan Pembelajaran Konseling Jurnal Penelitian Pendidikan Indonesia Blockchain Frontier Technology (BFRONT) JER International Journal of Economics, Business and Innovation Research Society Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi) Journal of Business Integration Competitive Journal of Finance Integration and Business Independence Jurnal Mahkota Bisnis (Makbis) International Journal of Economics and Management Research Journal of Computer Science and Technology Application KREATIF: Jurnal Pengabdian Masyarakat Nusantara
Claim Missing Document
Check
Articles

Shariah-Based Ethical Frameworks and Their Role in Shap-ing Islamic Finance in Asia: A Systematic Literature Review Nurul Syafiqah Azman; Affendy Abu Hassim; Said Nasser Al-Amrani; Nasib, Nasib; Fathoni, Muhammad
Journal of Finance Integration and Business Independence Vol. 2 No. 1 (2026): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jofibi.v2i1.87

Abstract

The purpose of this research is to examine the role played by regional ethical codes in Islamic banking's development, adoption and the integration of this financial system at the international level. A comprehensive review of the last 6 years' research in the field is given, covering 86 academic papers from 2020 to 2025. The PRISMA methodology is applied in order to identify, appraise and merge the findings from the studies in areas like ethical and cultural values, Shariah compliance, governance, and socio-economic goals. In fact, research shows that regional ethical frameworks are crucial in ensuring that Islamic financial services are truly ethical and in addition are a key factor in differentiating Islamic financial services from conventional ones within the global marketplace. In the integration of Islamic finance with global norms there are a number of challenges, including the integration of Islamic finance with community-based ethics, the need to harmonise Islamic law with transnational financial dealings and the impact of technological advancements such as the development of financial services companies (fintech). The key theme in this study is the integration of Islamic financial practices with the values of their community, the strategies employed by financial institutions to reconcile local Shariah law with international finance systems, and the role of ethical governance in establishing trust and promoting economic growth. In light of these implications, it is essential that regulatory agencies, industry leaders and government officials work towards ensuring international business practices align with local standards of ethics. Further research is required in such areas as the implications of sustainable finance for conventional financial structures, digitalisation and its impact on the role of the business community and the finance industry, and in cross border issues of ethics.
The Effect of Work Motivation, Work Discipline and Work Environment on the Performance of ASN Employees at the North Sumatra Provincial Education Office David Christian Tambun; Prem Raaj; Dita Ibrena Luluina Br Tarigan; Melfrianti Romauli Purba; Nasib, Nasib
MAR-Ekonomi: Jurnal Manajemen, Akuntansi Dan Rumpun Ilmu Ekonomi Vol. 4 No. 02 (2026): Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi), 2026
Publisher : SEAN Institute

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

Abstract

This study aims to determine the influence of work motivation, work discipline, and the work environment on the performance of civil servant employees at the North Sumatra Provincial Education Office. Employee performance is a crucial factor in improving the quality of public services and achieving organizational goals. Therefore, supporting factors such as high work motivation, good work discipline, and a conducive work environment are needed to improve employee performance. The research method used was a quantitative survey approach. Data collection was conducted by distributing questionnaires to 88 respondents, who were civil servant employees at the North Sumatra Provincial Education Office. The data obtained were analyzed using multiple linear regression analysis with the assistance of statistical software. The results of this study indicate that motivation has a negative and insignificant effect on employee performance, work discipline has a positive and significant effect on employee performance, and the work environment has a positive and significant effect on employee performance. Simultaneously, motivation, discipline, and the work environment have a significant effect on civil servant employee performance at the North Sumatra Provincial Education Office.
Upaya Peningkatan Loyalitas melalui Brand Image, Brand Trust, dan Kepuasan sebagai Variabel Intervening Martin Martin; Nasib Nasib
Society Vol 9 No 1 (2021): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v9i1.303

Abstract

Polytechnic is a university focusing on vocational education. Politeknik Unggul LP3M is to provide an appropriate vocational education in supporting industrial demand. This study focuses on maximizing students’ loyalty influenced by brand image and trust, where students’ satisfaction is an intervening variable. Path analysis was chosen for this study. As many as 125 people were chosen as respondents, and the technique sampling used purposive random sampling. The study showed that brand image and trust significantly impact students’ loyalty and satisfaction in Politeknik Unggul LP3M. Students’ satisfaction has a crucial role in mediating brand image and brand trust on students’ loyalty.
Keputusan Memilih Perguruan Tinggi Ditinjau dari Personal Selling, Citra Merek, dan Kepercayaan Merek sebagai Variabel Intervening Adelina Lubis; Ihsan Effendi; Nasib Nasib; Manda Dwipayahi Bhastary; Ahmad Fadli
Society Vol 11 No 2 (2023): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v11i2.579

Abstract

In pursuing enhancing human resources’ quality, the state has ensured that private universities also have rights and obligations. The main objective of this study is to investigate whether personal selling and brand image influence college decision-making through the mediating role of brand trust. This research was conducted at the Politeknik Unggul LP3M in Medan, Indonesia. The study’s population was comprised of active students from the 2019/2020 academic year, totaling 257 individuals. A stratified sampling technique was employed, using the Slovin formula with a 5% margin of error, resulting in a sample size of 157 respondents. The study utilized a quantitative approach, with data collected through structured questionnaires. The analysis included descriptive statistics, reliability tests, and path analysis to determine the direct and indirect effects of personal selling and brand image on college decision-making through brand trust. The findings indicate that personal selling significantly affects brand trust, suggesting that effective strategies can enhance students’ trust in the institution’s brand. Similarly, brand image significantly directly affects brand trust, underscoring the importance of a positive brand image in building trust among potential students. Furthermore, the results show that personal selling indirectly influences college decision-making through brand trust, indicating that the trust developed through personal selling efforts can lead to positive college choice decisions. Likewise, brand image indirectly affects college decision-making through brand trust, highlighting the role of a strong brand image in shaping students’ enrollment decisions. In conclusion, personal selling and brand image are crucial in influencing college decisions, with brand trust as a key mediating variable. These findings provide valuable insights for educational institutions aiming to enhance their marketing strategies and build stronger relationships with prospective students. Future research could explore additional factors influencing college decision-making and examine these relationships in different educational contexts.
Pengaruh Managerial Coaching dan Team Autonomy terhadap Kinerja Karyawan di Perusahaan Perkebunan dan Pengolahan Kelapa Sawit di Pulau Sumatera Fajar Rezeki Ananda Lubis; Syaifuddin Syaifuddin; Yusniar Lubis; Nasib Nasib
Society Vol 11 No 2 (2023): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v11i2.587

Abstract

This study aims to examine the influence of managerial coaching and team autonomy on employee performance and to evaluate the mediating role of work climate on the influence of managerial coaching and team autonomy on work engagement. Additionally, this study investigates the role of work engagement as a mediator between managerial coaching, team autonomy, and work climate on employee performance in palm oil plantations and processing companies in Sumatra. The sample consists of 523 employees. Structural Equation Modeling Partial Least Squares (SEM PLS) is the analysis method. The results indicate that managerial coaching significantly influences work climate and work engagement, and team autonomy also significantly influences work climate and engagement. Work climate significantly influences work engagement and employee performance, and work engagement significantly influences performance. The indirect effects analysis shows that work climate mediates the influence of team autonomy on work engagement, and work engagement mediates the influence of managerial coaching and team autonomy on performance.
Peran Motivasi dalam Memoderasi Pengaruh Kecerdasan Emosional, Keseimbangan Kehidupan Kerja, Kepemimpinan, dan Etos Kerja terhadap Kinerja Karyawan Yusniar Lubis; Fajar Rezeki Ananda Lubis; Syaifuddin Syaifuddin; Nasib Nasib
Society Vol 11 No 2 (2023): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v11i2.588

Abstract

This research assesses the direct and indirect impact of emotional intelligence, work-life balance, leadership, and work ethics on employee performance at the Camait office in Central Tapanuli Regency, North Sumatra. Employing a quantitative analytic approach, the study sampled 146 workers, from which 88 employees were selected using the Slovin formula. Data analysis was conducted using Structural Equation Modeling-Partial Least Squares (SEM-PLS). The findings reveal that emotional intelligence, work-life balance, leadership, and motivation directly, positively, and significantly impact employee performance. In contrast, work ethic does not significantly affect employee performance. Moreover, motivation is a moderating variable that can indirectly influence the relationships between work-life balance, leadership, work ethic, and employee performance. However, motivation alone cannot effectively moderate the relationship between work ethic and employee performance at the Central Tapanuli Regency Head Office. This study underscores the importance of enhancing emotional intelligence, achieving a better work-life balance, and cultivating effective leadership to boost employee performance. Furthermore, it highlights the crucial role of motivation as a moderating factor in improving overall job performance. However, it emphasizes that motivation should be complemented with other strategies to address work ethic issues effectively.
Peran Employee Green Behavior terhadap Green Teacher Performance dalam Lingkungan Madrasah Kota Medan dengan Pendekatan Organizational Ambidexterity dan Green Self-Efficacy Manda Dwipayani Bhastary; Amin Hou; Thomas Sumarsan Goh; Nasib Nasib; Wily Julitawaty
Society Vol 12 No 2 (2024): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v12i2.729

Abstract

This study examines the influence of employee green behavior on the performance of green instructors in the Madrasah context in Medan City, using the frameworks of organizational ambidexterity and green self-efficacy. Adopting a quantitative research methodology, the study utilized surveys as the primary data collection tool. The research population consisted of all Madrasah instructors in Medan City, totaling 229 individuals, who also served as the research sample. Data analysis was conducted using quantitative statistical methods, specifically path analysis. Primary data were collected through surveys, while secondary data were obtained from official Madrasah records. The findings reveal that instructors’ green self-efficacy in Madrasahs in Medan City is significantly influenced by their green behavior. Moreover, environmentally sustainable practices positively impact organizational ambidexterity, which in turn affects teacher performance. However, organizational ambidexterity does not have a direct significant influence on green teacher performance. Conversely, employee green behavior indirectly enhances teacher performance through its effects on organizational ambidexterity and green self-efficacy.
Menelusuri Pengaruh Kreativitas Hijau Karyawan terhadap Kinerja Hijau melalui Perilaku Hijau Sukarela Yusniar Lubis; Wan Suryani; Siswa Panjang Hernosa; Fajar Rezeki Ananda Lubis; Nasib Nasib
Society Vol 13 No 1 (2025): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v13i1.771

Abstract

This study aims to analyze the effect of employee green creativity on green performance through voluntary green behavior at Hotel Grand Aston Medan. A quantitative approach was employed, utilizing a survey method with 150 hotel employees conducted during 2023. The data were analyzed using path analysis to test the relationships between variables. The results indicate that employee green creativity has a significant direct effect on both voluntary green behavior and green performance. Furthermore, voluntary green behavior was found to be a significant mediator between employee green creativity and green performance. These findings highlight the importance of employee creativity in generating environmentally friendly solutions, which in turn contribute to enhancing the hotel’s green performance. This study provides strategic insights for the management of Hotel Grand Aston Medan to improve sustainable performance by empowering employee creativity and voluntary green behavior.
Mengungkap Peran Mindfulness dalam Meningkatkan Niat Kunjungan Ulang: Studi pada Pariwisata Tangkahan, Langkat Nikous Soter Sihombing; Ruth Meivera Siburian; Elfitra Desy Surya; Jamaluddin Jamaluddin; Nasib Nasib
Society Vol 13 No 1 (2025): Society
Publisher : Laboratorium Rekayasa Sosial, Jurusan Sosiologi, FISIP Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/society.v13i1.801

Abstract

This study seeks to examine the function of mindfulness in moderating the connection between happiness perception and perceived fairness regarding revisit intention among visitors at Tangkahan, Langkat. This research employs a quantitative methodology via a survey technique; the study population comprises tourists who have visited Tangkahan, Langkat, within the past year. The research sample comprised 300 respondents recruited through purposive selection, specifically targeting travelers with expertise in staying or engaging in tourism activities at the destination. The study's findings demonstrate that the perception of happiness significantly influences the intention to revisit and mindfulness. Moreover, perceived justice exerts a substantial direct influence on revisit intention, however not on mindfulness. Mindfulness does not directly influence revisit intention; instead, it serves as a substantial mediating variable in the association between happiness perception and revisit intention, as well as between perceived justice and revisit intention. These findings affirm that while the experience of happiness and perceived justice directly influence tourists' inclination to return, mindfulness has a significant mediating effect. The novelty of this study lies in its exploration of mindfulness as a psychological mechanism that strengthens the link between tourists' happiness, perceived fairness, and revisit intention—an aspect that has been underexplored in tourism research. By integrating mindfulness into the tourism experience, this study provides fresh insights into how psychological well-being can shape sustainable tourism behavior. From a practical perspective, the findings suggest that tourism managers and policymakers should implement mindfulness-oriented programs, such as guided reflection sessions, meditation spots, or immersive nature experiences, to enhance visitor engagement and loyalty. These initiatives can create a more profound and memorable tourism experience, fostering long-term commitments from travelers. Further research could explore the long-term impact of mindfulness on sustainable tourism behavior and the effectiveness of mindfulness-driven interventions in different tourism contexts.
The Influence of Job Satisfaction, Work Motivation, and Work Environment on Employee Morale at the Medan City Market Regional Public Company John Kerli; Muhammad Nabil Arya; Salman Faris; Nasib, Nasib
MAR-Ekonomi: Jurnal Manajemen, Akuntansi Dan Rumpun Ilmu Ekonomi Vol. 4 No. 03 (2026): Jurnal Manajemen, Akuntansi dan Rumpun Ilmu Ekonomi (MAR-Ekonomi), 2026
Publisher : SEAN Institute

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

Abstract

This study examines the effect of job satisfaction, work motivation, and work environment on employee morale at Medan City Market Regional Public Company. The population consisted of 418 employees, and a sample of 82 respondents. A quantitative approach was employed, with data collected through Likert-scale questionnaires. Data analysis was conducted using validity and reliability tests, classical assumption tests, and multiple linear regression analysis. The findings reveal that job satisfaction, work motivation, and work environment have a positive and significant effect on employee morale, both partially and simultaneously. The coefficient of determination (Adjusted R²) is 0.863, indicating that 86.3% of the variance in employee morale is explained by these variables, while the remaining 13.7% is influenced by other factors not examined in this study. These results highlight the importance of improving job satisfaction, strengthening work motivation, and creating a supportive work environment to enhance employee morale.
Co-Authors , Elfitra Desy Surya Abdiyanto Abdiyanto Ade Novalina Adelina Lubis Adelina Lubis Adi Harianto Affendy Abu Hassim Affendy Abu Hassim Agnes Agnes Agus Nuryatin Agus Susanto Agus Susanto Ahmad Fadli Ahmad Fadli Ahmad Rivai Albert Albert Albert Albert Aldila Dinanti Ali Syah Putra Ali Syah Putra Alimin, Erina Amalia, Fiqrida Amanda, Sharina Amin Hou Ananda, Fajar Rezeki Andre Andrian Andrian Andy Wijaya Angelika Subur Angeline Angeline Anggun R Sulistia Anisah Siregar Anita Anita Asda Ria Sitorus Astika, Enda Ayu Wirda Ningsih Az Zahrawani Ramadhan azzahra, an suci Bagus Hendra Wijaya Bangun, Jessica Bashira Bashira Beatrix Patricia Lee Beby Nofriza Bhaktiar Efendi Bunga Aditi Chandraj Chaniago, Sabaruddin Chatarina Umbul Wahyuni Chorin Tandean Clarisse Dadang Munandar Darwan Tanady David Christian Tambun Debora Tambunan Deby Siska Oktavia Pasaribu Deva Djohan Devia Febrina Dewi Mahrani Rangkuty Dewi Rafiah Pakpahan Dian Nuzulia Armariena, Dian Nuzulia Dilla Fadila Rusmawadi Dita Ibrena Luluina Br Tarigan Djakasaputra, Arifin Dolly Maulidin Hasibuan Dwi Septi Haryani Emiya Sindamaeysa Br Ginting Emma Novirsari Enjel Erica Mentari Br Purba Erina Alimin Eryc Ester Hervina Sihombing Ester Hervina Sihombing ESTER HERVINA SIHOMBING, ESTER HERVINA Eugenio Eugenio Fachry Abda El Rahman Fakhrul Hirzi, M. Farah Jihan Nabila Fathoni, Mahammad Fauzia Mei Salsabillah Felicya Tiopan Fina Nailatul Izzah Florentia Jasmine Ginting, Rika Adelina Br. Goh, Thomas Sumarsan Hamjah Arahman Hazmanan Kahir Heber Arihta Sitepu Helena Louise Panggabean Hendra Saputra Hendy Hendy Herlin Munthe Herlina Novita Herti Kristiyani Silalahi Hervina Sihombing, Ester Hery Syahrial Husni, Calysta Thedrica Hutagaol, Arnold Ida Ayu Putu Sri Widnyani Ihsan Effendi IKA PUSPA SATRIANNY Ikyboy Van Versie Indah Sari Indra Budiman Jamaluddin Jamaluddin Jansen Layoji Jasruddin Daud Malago Jelita. S. Srirahayu Situmorang Jesslyn Anggara Jhanita Fransisca Jhon Winfri Sitohang John Kerli Juliansyah, Roni Junaidi Junaidi Junaidi Junaidi Kelvin Halim Wijaya Kosasih, Hengky Kuandi Chandra Leami Manao Lenta Friska Purba Lia Nazliana Nasution Limbong, Ryandi Lubis, Fajar Rezeki Ananda Mahyudin Manda Dwipayahi Bhastary Manda Dwipayani Bhastary Marpaung, Durahman Marshella, Marshella Martin Martin Martin Martin Martin Mega Sanjaya Melfrianti Romauli Melfrianti Romauli Purba Melfrianti Romauli Purba Mexenro Gerael Hutagaol Mhd Ismail Magfur Mhd Restu Razaq Razaq Michael Novtriandy Sidabutar Mikhael, Mikhael Muh. Fahrurrozi Muhammad Arsyad Muhammad Fathoni Muhammad Fathoni, Muhammad Muhammad Fauzan Azhmy Muhammad Nabil Arya Muhammad Salim Muda Simanjuntak Nabila Azmi Nainggolan, Susan G.V. Nas Haryati Setyaningsih Naufal, M Dzaky Rafi Nicky Haitmen Nidya Banuari Nikous Soter Sihombing Nirmalasari Nirmalasari Nisa Kamelia Napitupulu Nur Ikhsan Umam nur subiantoro Nurhani Aviona Nurul Syafiqah Azman Nurul Syafiqah Azman Panjaitan, Torang Daud Parker, Jonathan Pebri, Prianda Prem Raaj Purnama Yanti Purba Rachel Rachel Raden Mohamad Herdian Bhakti Rafida Khairani Rafles Alexander Simanjuntak Ramzi Zainum Ikhsan Ratih Amelia Ratih Amelia Ray Muza Adam Knelissen Rezeki, Indra Richard Albert Rifda Daulay, Zulia Riki Rinaldi Gea Rita Rita, Rita Rivai, Ahmad Rivai, Ahmad Rivandy Anggesti Robin Roni Juliansyah Roseline Roseline Rulliyani, Rulliyani Ruth Meivera Siburian Sai Vinodhini Said Nasser Al-Amrani Said Nasser Al-Amrani Salman Faris SALMAN FARIS Salman Faris Saputra, Jumadil Sari, Devi Purnama Satria Tirtayasa Sharina Osman Sherly Tantriana Simbolon, Angelina Sindy Siswa Panjang Hernosa Siti Alhamra Salqaura Siti Sabrina Salqaura Srie Hartati Steven Gea Surya Surya Syaifuddin Syaifuddin Syaifullah Syaifullah Tantriana, Sherly Teguh Supriyanto Teja Rinanda Thamrin Thamrin Thamrin Tiffany Tanady Tony Honkley Tyus Windi Ayuni Valerie, Valerie Wan Suryani Widy Hastuty HS Wijaya, Elyzabeth Wijaya, Kelvin Halim Wiliam Wiliam Wiliam Wiliam, Wiliam William Wily Julitawaty Wily Julitawaty Winnie Yusniar Lubis Zahra, Aminatu Zakia Fadila Zi Xuan, Alvin Teo Zulia Rifda Daulay Zulia Rifda Daulay Zulia Rifda Daulay