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All Journal e-Jurnal Perspektif Ekonomi dan Pembangunan Daerah JDM Jurnal Manajemen Terapan dan Keuangan Jurnal Paradigma Ekonomika Jurnal Keuangan dan Perbankan Journal of Educational, Health and Community Psychology El Dinar JAM : Jurnal Aplikasi Manajemen Wacana, Jurnal Sosial dan Humaniora Infestasi JAKU (Jurnal Akuntansi & Keuangan Unja) (e-journal) Jurnal Ilmiah Universitas Batanghari Jambi Inovasi : Jurnal Ekonomi, Keuangan, dan Manajemen EKONOMIS : Journal of Economics and Business IRJE (Indonesian Research Journal in Education) J-MAS (Jurnal Manajemen dan Sains) Jurnal Sains Sosio Humaniora Dinasti International Journal of Management Science Dinasti International Journal of Education Management and Social Science Dinasti International Journal of Digital Business Management Jurnal Aisyah : Jurnal Ilmu Kesehatan Jurnal Ilmu Manajemen Terapan (JIMT) Jurnal Pengabdian Masyarakat Madani Humantech : Jurnal Ilmiah Multidisiplin Indonesia JOURNAL OF HUMANITIES, SOCIAL SCIENCES AND BUSINESS (JHSSB) Utsaha: Journal of Entrepreneurship Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Business Studies and Management Review EJOIN : Jurnal Pengabdian Masyarakat Manajemen Kreatif Jurnal Journal of Social Science and Business Studies Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Manajemen Kewirausahaan dan Teknologi International Journal of Business and Quality Research International Journal of Economics, Business and Innovation Research Greenation International Journal of Economics and Accounting AICOS
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PENGARUH KEMUDAHAN, MANFAAT, KETERSEDIAAN FITUR TERHADAP PENGGUNAAN LAYANAN MOBILE BANKING DENGAN KEPERCAYAAN SEBAGAI VARIABEL MEDIASI (STUDI KASUS MAHASISWA STRATA-1 MANAJEMEN FAKULTAS EKONOMI DAN BISNIS UNIVERSITAS JAMBI) Liu, Tri Supryjadi; Lubis, Tona Aurora; Zulkifli, Zulkifli
Jurnal Dinamika Manajemen Vol. 13 No. 2 (2025): Jurnal Dinamika Manajemen
Publisher : Prodi Magister Manajemen Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jdm.v13i2.26102

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh Kemudahan, Manfaat, Ketersdiaan Fitur terhadap Penggunaan Layanan Mobile Banking dengan Kepercayaan sebagai Variabel Mediasi. Objek pada penelitian ini adalah mahasiswa Strata-1 Manajemen Fakultas Ekonomi dan Bisnis Universitas Jambi. Teknik sampling yang digunakan adalah purposive sampling. Sampel dalam peneliti adalah sebanyak 284 Responden dengan penentuan jumlah sampel berdasarkan rumus Isaac & Michael. Teknik analisis yang digunakan dalam penelitian ini adalah teknik analisis statistik deskriptif dan SEM-PLS yang dijalankan menggunakan aplikasi SmartPLS 3. Hasil penelitian ini menunjukan bahwa manfaat, ketersediaan fitur, kepercayaan berpengaruh signifikan terhadap penggunaan layanan mobile banking sedangkan kemudahan tidak berpengaruh signifikan terhadap penggunaan layanan mobile banking. Kepercayaan berpengaruh signifikan sebagai variabel mediasi antara kemudahan, manfaat dan ketersediaan fitur terhadap penggunaan layanan mobile banking.
COMPETITIVE ADVANTAGE IMPROVEMENT MODEL OF PT. BANK PEMBANGUNAN DERAH JAMBI THROUGH DIGITAL LEADERSHIP AND ORGANIZATIONAL CULTURE MEDIATED BY INNOVATIVE WORK BEHAVIOR Ayu Anggraini; Fitriaty; Lubis, Tona Aurora
Journal of Business Studies and Management Review Vol. 8 No. 2 (2025): JBSMR, Vol 8 No.2 June 2025
Publisher : Management Department, Faculty of Economics and Business, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jbsmr.v8i2.41922

Abstract

This research aims toanalyzing the influence of digital leadership and organizational culture on the competitive advantage of Bank Jambi, through innovative work behavior. The research sample used was 242 respondents, taken using a simple random sampling technique. The types of data collected include primary data in the form of questionnaires on digital leadership, organizational culture, innovative work behavior, and competitive advantage, as well as secondary data in the form of other publications such as; books, journals and other documents related to the topic of this research. The data that has been collected is then analyzed using descriptive statistical analysis methods and verification analysis in the form of Partial Least Square (PLS). The results of the direct effect analysis prove that; (1) digital leadership and organizational culture directly have a significant effect on innovative work behavior, (2) digital leadership, organizational culture, and innovative work behavior directly have a significant effect on competitive advantage, (3) digital leadership indirectly has a significant effect on competitive advantage, through innovative work behavior, and (4) organizational culture indirectly has a significant effect on competitive advantage, through innovative work behavior. The results of this study have implications for efforts to improve innovative work behavior and competitive advantage of Bank Jambi, through a more adaptive corporate culture, as well as improving the quality of digital leadership, especially in terms of change management competency
ASSESSING THE IMPACT OF CONTENT MARKETING, INFLUENCER MARKETING, AND ELECTRONIC WORD OF MOUTH ON SUBSIDIZED HOUSING PURCHASE DECISIONS: THE MODERATING EFFECT OF E-WOM Budi Susanto; Yacob, Syahmardi; Lubis, Tona Aurora
Journal of Business Studies and Management Review Vol. 8 No. 2 (2025): JBSMR, Vol 8 No.2 June 2025
Publisher : Management Department, Faculty of Economics and Business, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jbsmr.v8i2.44443

Abstract

This study aims to examine the influence of Content Marketing, Influencer Marketing, and Electronic Word of Mouth (e-WOM) on purchase decisions for subsidized housing, as well as to evaluate the moderating role of e-WOM in the relationship between digital marketing strategies and consumer purchasing decisions. The research was conducted at PT. Digdaya Cipta Harjita, involving 190 respondents who had purchased subsidized housing in Jambi City and Muaro Jambi Regency. Employing a quantitative approach with Partial Least Square-Structural Equation Modeling (PLS-SEM), the results indicated that Content Marketing (β = 0.125; T = 2.117; p = 0.036), Influencer Marketing (β = 0.261; T = 3.195; p = 0.002), and e-WOM (β = 0.254; T = 3.012; p = 0.003) have a positive and significant impact on purchase decisions. Furthermore, e-WOM demonstrates a significant negative moderating effect on the relationship between Content Marketing and purchase decisions (β = –0.153; T = 2.314; p = 0.022), and a positive moderating effect on the relationship between Influencer Marketing and purchase decisions (β = 0.161; T = 2.067; p = 0.040). The model's R-square value of 0.267 indicates that the proposed variables explain 26.7% of the variance in purchasing decisions. These findings suggest that the effectiveness of digital marketing strategies in promoting subsidized housing is influenced not only by the quality of content and social influence but also by consumer perceptions shaped through digital word-of-mouth interactions, highlighting the critical role of online reputation management in enhancing marketing outcomes.
PENGARUH EKSPEKTASI PENDAPATAN, PENGETAHUAN KEWIRAUSAHAAN DAN MINDSET WIRAUSAHA TERHADAP MINAT BERWIRAUSAHA PEGAWAI NEGERI SIPIL BADAN PENGELOLAAN KEUANGAN DAN PENDAPATAN DAERAH PROVINSI JAMBI Rosadi, Ichsan; Yacob, Syahmardi; Lubis, Tona Aurora
Journal of Business Studies and Management Review Vol. 8 No. 2 (2025): JBSMR, Vol 8 No.2 June 2025
Publisher : Management Department, Faculty of Economics and Business, Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jbsmr.v8i2.44840

Abstract

This study investigates the influence of income expectations, entrepreneurial knowledge, and entrepreneurial mindset on entrepreneurial intention among civil servants at the Regional Revenue and Financial Management Agency (BPKPD) of Jambi Province, Indonesia. Employing a quantitative approach with a descriptive-verificative design, the research utilized Partial Least Squares Structural Equation Modeling (PLS-SEM) for data analysis, processed using SmartPLS 3.0. Data were collected through structured questionnaires from a purposive sample of 156 respondents, determined using Slovin's formula from a total population of 296. The findings reveal that all three independent variables exert a statistically significant and positive effect on entrepreneurial intention. Income expectation (β = 0.302; t = 3.161; p < 0.01), entrepreneurial knowledge (β = 0.937; t = 9.754; p < 0.001), and entrepreneurial mindset (β = 0.347; t = 3.079; p < 0.01) significantly contribute to shaping entrepreneurial interest among civil servants. The model demonstrates a high explanatory power with an R-squared value of 0.976, indicating that 97.6% of the variance in entrepreneurial intention is explained by the model. These results underscore the importance of fostering entrepreneurial literacy, realistic income expectations, and a proactive entrepreneurial mindset in encouraging civil servant engagement in entrepreneurship. The study contributes to the literature by addressing a research gap concerning public sector entrepreneurship and provides practical implications for policy formulation aimed at promoting entrepreneurial development among state employees.
Business Behavior Model And Business Performance Of Areca Nut Farmers In Tanjung Jabung Timur District And Tanjung Jabung Barat Tona Aurora Lubis; Asep Machpudin; Sigit Indrajaya; Ahmad Nur Budi Utama; Muhammad Haris Saputra; Maryati Ningsih
International Journal of Business and Quality Research Vol. 3 No. 01 (2025): January - March, International Journal of Business and Quality Research (IJBQR
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v3i01.1495

Abstract

In its development, the Pinang commodity is a leading regional commodity in Jambi Province in general, and Tanjabtim and Tanjabbar districts in particular. Tanjung Jabung Timur and Tanjung Jabung Barat districts are the largest and best producers of Pinang commodities in Jambi Province. This makes Pinang one of the leading export products of the district. So that Pinang is widely used by the community as a source of livelihood both in the form of buying and selling businesses and field investments. As a leading commodity, the business behavior and business performance of Pinang farmers are needed to develop this Pinang business or business in the future. Research on the business behavior and business performance of Pinang farmers has never been studied before. This study has the ultimate goal of formulating a Model of Business Behavior and Business Performance of Pinang Farmers in Tanjung Jabung Timur and Tanjung Jabung Barat Districts. This study applies a combination research (mixed method) with the Sequential Exploratory Design type, namely the initial stage using qualitative research with NVivo software, then the second stage using quantitative research with SmartPLS software. The results of this study conclude that Pinang farmers consist of: hereditary pinang farmers and "new" pinang farmers. The performance of the areca nut farmer business is highly dependent on the collectors and/or areca nut entrepreneurs and areca nut exporters. This is because the purchase price of areca nuts from areca nut farmers is determined by the collectors, areca nut entrepreneurs and areca nut exporters. Meanwhile, other things can be concluded as follows: 1.) The purchasing behavior of areca nut buyers is unable to strengthen or weaken the business behavior of areca nut farmers. 2.) The higher the business behavior of areca nut farmers, the higher the business performance will be. 3.) This means that the higher the purchasing behavior of areca nut buyers, the higher the business performance will be
The Role of Financial Performance in Mediating the Influence of Green Finance and Competitive Advantage on Company Value (Company Case Study Energy Sub-Sector in 2021-2023) Muhammad Luthfi Faisal; Tona Aurora Lubis; Ahmad Nur Budi Utama
International Journal of Business and Quality Research Vol. 3 No. 01 (2025): January - March, International Journal of Business and Quality Research (IJBQR
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v3i01.1582

Abstract

This study aims to determine the influence of green finance and competitive advantage on company value through financial performance as a mediating variable in energy sub-sector companies listed on the Indonesia Stock Exchange in 2021-2023. There were 13 companies with 39 observations that met the criteria as a research sample. This study uses Structural Equation Model analysis based on Partial Least Square (PLS). The results of this study show that, green finance has a negative and significant effect on company value, competitive advantage has a positive and insignificant effect on company value, green finance has a positive and significant effect on financial performance, competitive advantage has a negative and significant effect on financial performance, financial performance has a positive and significant effect on company value, financial performance mediates the influence of green finance on the company's value positively and significantly, and financial performance can mediate the influence of competitive advantage on the company's value negatively and significantly
The Impact Of Occupational Safety Training On Employee Performance With Safety Culture As A Mediation Variable Adinda Irma Syahputri; Zulfina Adriani; Tona Aurora Lubis
International Journal of Business and Quality Research Vol. 3 No. 02 (2025): April - June, International Journal of Business and Quality Research (IJBQR)
Publisher : Citakonsultindo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63922/ijbqr.v3i02.1803

Abstract

This study examines the impact of Safety training on employee performance, with safety culture as a mediating variable at Pertamina Hulu Energi (PHE) Jambi Merang. The objectives of the research are to determine: (1) the direct effect of Safety training on employee performance, (2) the impact of safety culture on employee performance, and (3) the mediating effect of safety culture on the relationship between Safety training and employee performance. The research object consists of employees of PHE Jambi Merang, a company in the oil and gas sector with a high risk of workplace accidents. The population includes 70 employees, all of whom were selected as research participants using a total sampling technique. The analysis tool used in this study is Structural Equation Modeling (SEM), processed through SmartPLS software, to assess the relationship between Safety training, safety culture, and employee performance. The results are expected to provide valuable insights into improving the effectiveness of safety training programs and enhancing employee performance through strengthening the safety culture.
Penguatan UMKM Kue Tradisional di Kota Jambi melalui Optimalisasi Kemasan Produk dan Pengelolaan Keuangan Usaha: Pengabdian Tona Aurora Lubis; Agus Solikhin; Ida Masriani; Ade Perdana Siregar; Garry Yuesa Rosyid
Jurnal Pengabdian Masyarakat dan Riset Pendidikan Vol. 4 No. 1 (2025): Jurnal Pengabdian Masyarakat dan Riset Pendidikan Volume 4 Nomor 1 (Juli 2025 -
Publisher : Lembaga Penelitian dan Pengabdian Masyarakat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jerkin.v4i1.2869

Abstract

Produk kue tradisional tidak hanya memiliki nilai budaya dan kearifan lokal, tetapi berpotensi untuk dikembangkan menjadi komoditas unggulan daerah. UMKM kue tradisional di Kota Jambi, khususnya di Kelurahan Olak Kemang Kecamatan Danau Teluk menghadapi berbagai tantangan yang menghambat pengembangan usahanya. Permasalahan utama pada aspek manajemen usaha, proses produksi, dan teknologi yang digunakan, terutama dalam pengemasan produk dan pengelolaan keuangan. Metode yang digunakan dalam pencapaian tujuan tersebut adalah metode sosial memberikan pelatihan kepada mitra mengenai peningkatan kemampuan manajerial dengan pelatihan pada aspek manajemen, aspek produksi dan aspek teknologi. Hasil dari kegiatan pengabdian ini memberikan peningkatan kemampuan dan keterampilan mitra dalam aspek manajemen, aspek produksi, dan aspek teknologi.
KINERJA UMKM DIDUKUNG OLEH ORGANIZATIONAL AGILITY : KEUNGGULAN KOMPETITIF SEBAGAI VARIABEL INTERVENING PADA USAHA KECIL KULINER DI KOTA JAMBI Aprecia, Mitha Talitha; Adriani, Zulfina; Lubis, Tona Aurora
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 03 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i03.45235

Abstract

ABSTRAK Tujuan penulisan penelitian ini untuk mengetahui Kinerja UMKM didukung oleh Organizational Agility dengan Keunggulan Kompetitif sebagai Variabel Intervening pada Usaha Kecil Kuliner di Kota Jambi. Pengumulan data dilakukan melalui penyebaran kuesioner dengan skala likert terhadap 100 pelaku usaha kecil kuliner di Kota Jambi. Teknik pengujian data yang digunakan meliputi uji validitas, uji reliabilitas, uji R-Square, uji Q-Square, uji hipotesis dan uji mediasi dengan bantual SmartPLS 4. Hasil penelitian menunjukkan bahwa organizational agility berpengaruh positif dan signifikan terhadap kinerja UMKM pada usaha kecil kuliner di Kota Jambi, organizational agility berpengaruh positif dan signifikan terhadap keunggulan kompetitif pada usaha kecil kuliner di Kota Jambi, keunggulan kompetitif memiliki pengaruh positif dan signifikan terhadap kinerja UMKM pada usaha kecil kuliner di Kota Jambi, organizational agility memiliki pengaruh positif dan signifikan terhadap kinerja UMKM di Kota Jambi dengan keunggulan kompetitif sebagai variabel intervening. Bagi usaha kecil kuliner di Kota Jambi diharapkan selalu menjaga kinerja dengan selalu meningkatkan kelincahan organisasi dalam menghadapi perubahan pasar dan meningkatkan keunggulan kompetitif. Bagi peneliti selanjutnya diharapkan dapat mengembangkan ke variabel-variabel lain yang didigua dapat mempengaruhi kinerja UMKM. Kata Kunci : Organizational agility, kinerja UMKM, keunggulan kompetitif ABSTRACT The purpose of this research is to analyze the performance of MSMEs supported by Organizational Agility, with Competitive Advantage as an intervening variable in small culinary businesses in Jambi City. Data collection was conducted through a questionnaire survey using a Likert scale on 100 small culinary business owners in Jambi City. The data testing techniques used included validity testing, reliability testing, R-Square testing, Q-Square testing, hypothesis testing, and mediation testing with the assistance of SmartPLS 4. The results of this study indicate that: Organizational agility has a positive and significant impact on the performance of MSMEs in small culinary businesses in Jambi City. Organizational agility has a positive and significant impact on competitive advantage in small culinary businesses in Jambi City. Competitive advantage has a positive and significant impact on the performance of MSMEs in small culinary businesses in Jambi City. Organizational agility has a positive and significant impact on MSME performance in Jambi City, with competitive advantage as an intervening variable. For small culinary businesses in Jambi City, it is recommended to maintain performance by continuously improving organizational agility in responding to market changes and enhancing competitive advantage. Future researchers are expected to explore other variables that may influence MSME performance. Keywords : Organizational agility, MSME Performance, Competitive Advantage
Pengaruh Kompensasi terhadap Implementasi Entrepreneurial Government dan Kinerja Aparatur Sipil Negara pada Dinas Kehutanan Provinsi Jambi Octora, Shinta; Lubis, Tona Aurora; Indrawijaya, Sigit
Ekonomis: Journal of Economics and Business Vol 9, No 2 (2025): September
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/ekonomis.v9i2.2376

Abstract

This study aims to analyze the effect of compensation on the implementation of the Entrepreneurial Government concept and the performance of State Civil Apparatus (SCA) at the Jambi Provincial Forestry Service. This study used a quantitative approach with a survey method. Primary data were obtained through questionnaires distributed to 74 respondents, consisting of SCA within the Jambi Provincial Forestry Service. Data analysis was conducted using Partial Least Squares-Structural Equation Modeling (PLS-SEM). The results indicate that compensation has a positive and significant effect on the implementation of Entrepreneurial Government and the performance of SCA. Furthermore, the implementation of Entrepreneurial Government has been shown to significantly improve the performance of SCA.
Co-Authors . Zulkifli Addion Nizori Ade Erma Suryani Ade Octavia Ade Octavia Adinda Irma Syahputri Afkari, Nabilah Afrizal Afrizal Afrizal Afrizal Afrizal Agil Muharya Agus Sholikhin Agus Solikhin, Agus Agus Syarif Ahfazhi Ahfazhi Ahmad Nur Budi Utama Albetris Aliyardi, Aliyardi Amri Amir Amri Amir Amri Amir Andang Fazri Andi Subandi Aprecia, Mitha Talitha Arief Prasetyo Ario Gusmansyah Asep Machpuddin Asep Machpudin Asep Machpudin Asep Machpudin Asih Retno Pungki Ayu Anggraini Aziexho Vornandes Besse Wediawati Billy Alberto Budi Susanto Cindy Larasati Dahmiri Dalizanolo Hulu Dewi , Erwita Dhimas Kurniawan Dios Nugraha Putra Djumahir Djumahir Dwi Noerjoedianto Efi Herawati Elliyana, Dessy Enggar Diah Puspa Arum Enggar Diah Puspa Arum Enjanita, Sanci Erwita . Erwita Dewi Firmansyah . Firmansyah Firmansyah Firmansyah Firmansyah Fitri Chairunnisa Fitri Eka Wahyui Fitri, Mahdaliyah Fitriaty Fitriaty, Fitriaty Garry Yuesa Rosyid Gustina, Evi Haekal, Muhammad Hardiani Hardiani Hendriyaldi Ida Masriani Ida Masriani, Ida Ingepuri, Pebriana Ira Febrianti Ira Febrianti Ira Febrianti Iskandar Iskandar Jhon Riahman Sinaga Jihan, Salsandra Johannes Johannes Johannes Johannes Johannes Johannes Simatupang Junaidi Junaidi Kristanto, Raja Bastian Levi Febri Damayanti Liu, Tri Supryjadi Luthfi Anan , Fatih M, Zulkifli M. Syurya Hidayat Made Sudarma Martasudira, Yosse Maryati Ningsih Maryati Ningsih Maryati Ningsih Maryati Ningsih Meilina, Dira MISMIWATI, MISMIWATI MISMIWATI Moeljadi Moeljadi Moh Ihsan Muhammad Haris Saputra Muhammad Luthfi Faisal Muhammad Putra Rasmi Muhammad Safri Mukhzarudfa, Mukhzarudfa Mulia Inda Purwati Munawar - Ismail musnaini musnaini Musnaini Musnaini NAJMI FUL HANIF Nilamsari, Nurul Ningsi Trilianah Ningsih, Maryati Nofrans Eka Saputra, Nofrans Eka NORIA SAPUTRI Novita Sari Novita Sari Nurputri, Syafda Nopta Octarina Suma Putri Octora, Shinta Oktaviani, Singki Pratiwi, Anggie Putri, Dian Septiani Qisha Qisha Raja Penungkunen Surbakti Raja Sarah Rendi Aditya Alfanza Rike Setiawati Riman Abimayu Rina Mardiana Rina Nurarifah Rohsalin Belle Romauly Manihuruk Rosadi, Ichsan Rusfa, Dilla Dwi Rahmatin Saiful . Savana, Zeta Ferli Selvia, Levi Shadiq, Annurusshadiq Sholihat, Iis Sigit Indrajaya Sigit Indrawaijaya Sigit Indrawijaya Siregar, Ade Perdana SRI RAHAYU Sri Rahayu Sry Rosita Sry Rosita Steven Kurniawan Suhairi, Khairul Sumantri Sumantri Sumarni Sumarni Sutan Adil Hendra Syahmardi Yacob syahmardi yacob Syamsurijal Tan Tiarifani, Tasya TITIN HARTINI Ubud Salim Vilano, M. Afif Vilano Fitrah Wawan Anggara Widiastuti, Fitri Widyanti Fitri Wirmie Eka Putra Yayuk Sriayudha Yosi Fadhillah YULHASMIDA YULHASMIDA Yuliarnita Yuliusman Yunira, Sabrino Pratama Zarkani Zarkani Zera Fitrizon Zuhratul Aulia Zulfina Adriani Zulfina Adriani Zulkifli Zulkifli Zulkifli Zulkifli