Claim Missing Document
Check
Articles

Qualitative characteristics of accounting information in the belief revision of the users for the securities prospects in Indonesia Stock Exchange (IDX) MF. Arrozi Adhikara; Maslichah Maslichah; Nur Diana
Journal of Economics, Business, & Accountancy Ventura Vol 17, No 1 (2014): April 2014
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v17i1.269

Abstract

The research attempts to reveal, in explanatory causality, the effect of the use of ac- counting information on the belief revision of stock selection for the security prospects in Indonesia Stock Exchange. The data were collected using survey on investment managers with individual unit analysis, through simple random sampling. They were analyzed using structural equation model (SEM). The result shows that there is posi- tive effect of the usefulness of accounting information on belief revision and return preferences; there is positive effect of the usefull of price information on belief revision and return preferences; there is positive effect of systematis risk on the usefulness of price information, and there is positive effect of belief revision on return preferences. This result also indicates negative effect of the usefulness of accounting information on the unsystematic risk; the negative effect of systematic risk on belief revision, as well as the negative effect of unsystematic risk on belief revision. Variables of unsystematic risk and belief revision are a mediating variable because it is increasing the effect and the relationships among variables. Yet, the use of price information is as a mediating because it lowers the effect between variables.The study also shows that accounting information is very useful because it contains value, relevan, reliabel, comparative information and has prospect in the future in decision making. Investment managers shlod be sophisticated, rational, prudent, and have risk preferences that can make a positive contribution in the advisory to investors.
Financial Accounting Standards for Micro, Small & Medium Entities (SAK EMKM) Implementation and Factors That Affect It Nur Diana Adhikara
JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen Vol 15, No 2 (2018): JEMA: Jurnal Ilmiah Bidang Akuntansi dan Manajemen
Publisher : University of Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (218.61 KB) | DOI: 10.31106/jema.v15i2.1126

Abstract

The low understanding of accounting and financial accounting standards is a fundamental problem for Micro, Small & Medium Enterprises (MSMEs) in Indonesia. This makes it difficult to prepare and manage financial statements. The presence of the Financial Accounting Standards for Non-Publicly-Accountable Entities (SAK-ETAP) on January 1, 2011, is expected to accommodate small and medium enterprises in making easy, transparent and accountable financial statements. But In fact, many MSMEs that have not been able to apply SAK ETAP properly because it is considered to be too complex and not by the financial reporting needs of MSMEs. On January 1, 2018, SAK EMKM was enacted as a standard that could help about 57.9 million MSME entrepreneurs in Indonesia in properly preparing their financial statements without having to get caught up in the complexity of it. SAK EMKM is a much simpler financial accounting standard than SAK ETAP. This study aims to provide empirical evidence on the perception of MSME business actors regarding the importance of financial bookkeeping and reporting for their business and the factors that affect the level of understanding of MSME’s related to SAK EMKM. The sample of research was MSMEs business actors in Malang Raya with purposive sampling method with the total of 225 respondents. The results showed that company size, educational background, and level of education affect the MSME business entrepreneurs' perception of the importance of financial bookkeeping and reporting. While the level of understanding of MSME business entrepreneurs of SAK EMKM is affected by the level of information on SAK EMKM, educational background and education level of the MSME business actors.
The Benefits of Accounting Information On The Intention of Stocks Selections In Indonesia Stock Exchange (IDX) Mf. Arrozi Adhikara; Maslichah Maslichah; Nur Diana
The Indonesian Journal of Accounting Research Vol 20, No 1 (2017): IJAR January 2017
Publisher : The Indonesian Journal of Accounting Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (568.547 KB) | DOI: 10.33312/ijar.370

Abstract

Abstract: This research objective is to both examine and provide empirical evidence concerning analysts' decision-making intentions in choosing stocks at the Indonesian stock exchange by using accounting information. This research uses a causal-explanatory approach in examining the analysts' intentions on selecting stocks. This research uses primary data with questionnaire-surveys and adopts single study. In explaining the analysts’ intentions, this research uses a causal-explanatory approach. This research shows that the benefits of accounting information (1) positively affect beliefs revisions; (2) positively affect unsystematic risk perceptions; (3) positively affects the intention of stock selections; (4) positively affect the intention of stock selections; (5) positively affect the intention of stock selections; (6) negatively affects the intention of stock selections; and (7) positively affect the intention of stock selections.  Further, this research also finds that securities analysts behaved sophistically in analyzing accounting information for decision-making purposes. Accounting information has characteristics (i.e., relevant, reliable, and fair) that in alignment with the interests of its users. The intention for stock selection is driven by the knowledge and experiences of both the respondents as well as other people. This condition shows that there is a halo effect surrounding the intention for stock selections that come from people that other than respondents (e.g., respondents' colleagues). Therefore, securities analysts tend to act prudence, sophisticated, volitional, and risk neutral.Abstrak: Tujuan penelitian ini adalah untuk menguji dan memberikan bukti empiris tentang niat pengambilan keputusan analis dalam memilih saham di bursa efek Indonesia dengan menggunakan informasi akuntansi. Penelitian ini menggunakan pendekatan kausal-explanatory dalam menguji niat analis untuk memilih saham. Penelitian ini menggunakan data primer dengan survei kuesioner dan mengadopsi studi tunggal. Dalam menjelaskan niat analis, penelitian ini menggunakan pendekatan penjelasan kausal. Penelitian ini menunjukkan bahwa manfaat informasi akuntansi (1) secara positif mempengaruhi revisi keyakinan; (2) secara positif mempengaruhi persepsi risiko yang tidak sistematik; (3) secara positif mempengaruhi niat pemilihan saham; (4) secara positif mempengaruhi niat pemilihan saham; (5) secara positif mempengaruhi niat pemilihan saham; (6) secara negatif mempengaruhi niat pemilihan saham; dan (7) secara positif mempengaruhi niat pemilihan saham. Selanjutnya, penelitian ini juga menemukan bahwa analis sekuritas berperilaku secara canggih dalam menganalisis informasi akuntansi untuk tujuan pengambilan keputusan. Informasi akuntansi memiliki karakteristik (yaitu, relevan, andal, dan adil) yang selaras dengan kepentingan penggunanya. Niat untuk pemilihan saham didorong oleh pengetahuan dan pengalaman baik dari responden maupun orang lain. Kondisi ini menunjukkan bahwa ada efek halo yang mengelilingi niat untuk pemilihan saham yang berasal dari orang-orang yang selain responden (misalnya, rekan responden). Oleh karena itu, analis sekuritas cenderung bertindak bijak, canggih, kehendak, dan risiko netral.
Profesionalisme Auditor dan Tingkat Materialistik dalam Pemeriksaan Laporan Keuangan: Studi pada Kantor Akuntan Publik Area Wilayah Kota Malang Nur Diana
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 2 No 2 (2018)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (420.393 KB) | DOI: 10.33379/jihbiz.v2i2.772

Abstract

Penelitian ini dilakukan untuk memberikan bukti empiris tentang profesionalisme auditor dengan tingkat materialistik dalam pemeriksaan laporan keuangan. Metode pengumpulan data dalam penelitian ini menggunakan kuesioner yang disebarkan kepada seluruh Kantor Akuntan Publik di wilayah kota malang, metode analisis yang digunakan adalah dengan menggunakan uji t (parsial) dan uji F (simultan). Hasil pengujian hipotesis menunjukkan adanya pengaruh yang signifikan antara tingkat profesionalisme yang terdiri dari dimensi dedikasi terhadap profesi, dimensi kemandirian, dimensi kepercayaan terhadap regulasi profesi, dan hubungan antar rekan kerja terhadap tingkat materialistik. Hal ini menunjukkan bahwa seorang auditor yang memiliki dedikasi yang tinggi terhadap profesi dan pekerjaannya akan selalu menggunakan segala kemampuan dan independensinya dalam melaksanakan proses auditnya, dan seorang auditor yang memiliki hubungan ikatan yang luas akan dapat menilai dengan lebih baik tingkat materialistik. Sedangkan kewajiban sosial tidak berpengaruh signifikan terhadap materialistik pemeriksaan laporan keuangan.
PENGARUH LABELISASI HALAL, HARGA PRODUK, DAN KUALITAS PRODUK TERHADAP KEPUTUSAN PEMBELIAN PRODUK MAKANAN IMPOR DI KALANGAN MAHASISWA (Studi Empiris pada mahasiswa Universitas Islam Malang Fakultas Ekonomi dan Bisnis Angkatan 2018) Putri Ningsih; Nur Diana; M Cholid Mawardi
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (334.745 KB)

Abstract

This study aims to examine whether simultaneously and partially the variables of halal labeling,product prices, and product quality on purchasing decisions of imported food products. This studyuses a quantitative method by distributing questionnaires using a google form via online. Thisstudy took a sample of students from the Islamic University of Malang, the Faculty of Economicsand Business, batch 2018. The results obtained from this study are that the halal labeling variables,product prices, and product quality have a significant effect on purchasing decisions. Partiallyhalal labeling has a significant effect on purchasing decisions, partially product prices have asignificant effect on purchasing decisions, and partially product quality has a significant positiveeffect on purchasing decisions.
PENGARUH KEPERCAYAAN DAN KEMUDAHAN LAYANAN DIGITAL TERHADAP KEPUASAN NASABAH BANK SYARIAH INDONESIA DALAM MELAKUKAN TRANSAKSI DI MASA PANDEMI COVID-19 Nanda Dian Rahmadani; Nur Diana; Harun Alrasyid
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (184.089 KB)

Abstract

Perkembangan teknologi yang pesat dimanfaatkan secara langsung oleh industri perbankan,khususnya bank syariah, dengan melakukan inovasi produk digital untuk melayani nasabah di masapandemi covid-19. Layanan digital perbankan syariah terkait mobile banking menggambarkan prosesvirtual yang mendukung semua layanan yang diharapkan dapat meningkatkan tingkat literasiperbankan syariah secara signifikan. Tujuan dari penelitian ini adalah untuk mengklarifikasi dampakkeandalan dan kenyamanan layanan digital terhadap kepuasan nasabah Bank Syariah IndonesiaKota Malang. Metode penelitian ini memakai kuantitatif. Metode pengambilan sampel yangdigunakan adalah metode sampling bertarget. Pengumpulan data dilakukan melalui Google Formyang dibagikan kepada 100 responden. Untuk pengujian hipotesis menggunakan SPSS 2022. Hasilsurvei ini menunjukkan bahwa kepercayaan pelanggan yang fluktuatif (X1) berpengaruh positif dansignifikan terhadap kepuasan pelanggan (Y). Variabel serviceability (X2) untuk layanan digitalberpengaruh positif dan signifikan terhadap kepuasan pelanggan (Y). Variabel kepercayaanpelanggan dan kemudahan penggunaan layanan digital berpengaruh positif dan signifikan terhadapkepuasan pelanggan. Hal ini dibuktikan dengan nilai signifikansi sebesar 0,000 (p˂o, o5). Nilaikoefisien determinasi adalah 0,832, artinya kontribusi layanan digital terhadap kepuasan pelanggansebesar 83%, sisanya sebesar 17% dipengaruhi oleh variabel lain.
Pengaruh Faktor Emosional dan Faktor Rasional Terhadap Keputusan Mahasiswa dalam Memilih Produk Bank Syariah Indonesia (Studi Pada Mahasiswa Universitas Islam Malang) Sabariah Sabariah; Nur Diana; Harun Alrasyid
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (405.097 KB)

Abstract

This research analyzes the influence of emotional and rational factors on student decisions to chooseIndonesian Islamic Bank products at the University of Islam Malang students. The sample in this study was 99students of the Islamic University of Malang. Data was collected by distributing questionnaires. Analysis of thedata used in this study using validity test, reliability test, normality test, multicollinearity, heteroscedasticity,simultaneous F test, coefficient of determination, and t-test. The results of this study show that variableemotional factors and rational factors significantly affect the decision to choose a product. While partially 1)the emotional factor variable partially has a significant and positive effect on the decision to choose a product,2) the rational factor variable partially has a significant and positive effect on the decision to choose a product.
Pengaruh Pengetahuan Nasabah , Reliogiousity Dan Lingkungan Sosial Terhadap Minat Menabung Menggunakan Bank Syariah (Studi Kasus Mahasiswa Universitas Islam Malang) Dinda Dewi Anggraeni; Nur Diana; Harun Alrasyid
El-Aswaq Vol 3, No 1 (2022): Vol 3, No 1 (2022) : El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (599.568 KB)

Abstract

This study aims to determine and analyze the effect of customer knowledge, religiosity, and social environment oninterest in saving in Islamic banks among students of the Islamic University of Malang. The type of research used iscorrelational research. The sample in this study was 99 students of the Islamic University of Malang. Data wascollected by distributing questionnaires. Analysis of the data used in this study using validity test, reliability test,normality test, multicollinearity, heteroscedasticity, simultaneous F test, coefficient of determination, and t-testresults. The results of this study simultaneously the variables of customer knowledge, religiosity, and socialenvironment have a significant effect on interest in saving in Islamic banks. While partially 1) the variable ofcustomer knowledge partially has a significant positive effect on interest in saving, 2) religiosity partially has asignificant and positive effect on interest in saving, and the social environment partially has a significant andnegative effect on interest in saving.
Pengaruh Persepsi Kemanfaatan, Kemudahan Penggunaan, Kenyamanan Dan Risiko Terhadap Minat Nasabah Menggunakan E-Banking Bank Syariah Indonesia Di Masa Pandemi Covid-19 (Studi Pada Pengguna E-BankingDi Kota Malang) Nur Aidah; Nur Diana; Junaidi Junaidi
El-Aswaq Vol 1, No 2 (2020): El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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

Abstract

This study aims to determine the effect of perceptions of benefit, convenience, comfort, and risk on customer interest in using e-banking Bank Syariah Indonesia during the covid-19 pandemic in malang city. Samples were taken using purposive sampling method. The method used in this study uses quantitative methods using multiple linier regression analysis technique and hypothesis testing with SPSS. The result of data analysis show that the perception of benefit convenience, comfort, and risk simultaneously affects customer interest in using Bank Syariah Indonesia e-banking during the covid-19 pandemic. Partially, perceptions of convenience and comfort affect customer interest in using Bank Syariah Indonesia during the covid-19 pandemic, while perceptions of benefit and risk have no effect on customer interest in using e-banking Bank Syariah Indonesia during the covid-19 pandemic in the city of malang.
PENGARUH HALAL AWARENESS TERHADAP MINAT BELI KONSUMEN PRODUK MINUMAN KOREAN SPARKLING WATER MOJISO (Studi Pada Mahasiswa Muslim Penggemar Drama Korea) Cynthia Renita Putri; Nur Diana; Harun Al Rasyid
El-Aswaq Vol 1, No 2 (2020): El-Aswaq
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Malang

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

Abstract

This study was to determine the effect of Halal Awareness on Interest Buy consumer Korean beverage products Sparkling Water Mojiso. This type of research is correlational quantitative research. In this study, the samples taken were Muslim students who were fans of Korean dramas in Malang City who knew and were interested in buying Korean products Sparkling Water Mojiso, which numbered 95 people. Taking the number of samples using the Non Probability technique Sampling with Accidental Approach Sampling to obtain respondents. The analytical tool used is analysis Simple Linear Regression using SPSS 25 tool. The results showed that the t value was 5.247 with a significance of 0.000 the value was < 0.05, which means Ho is rejected and Ha is accepted. This means that the Halal Awareness (X) variable partially has a positive and significant effect on Buying Interest (Y) of Consumer Products Korean Sparkling Water Mojiso Drink.
Co-Authors Abd. Basit Abdul Kadir Jailani Abdul Lathif Abdul Navir Bil’id Bafadal Adi Mas Setra Aenul Huda Affifudin Affifudin Afifah Tsuraya Afifudin Afifudin Agustina Isviandari Ainia Fajrin Ainun Jariyah Aisyah Nur Baity Sa’diyah Ajeng Pratiwi Akbar Akbar Akhmal Firdhaus Ibnusolikhin Alifia Udlhiyana Shifa Alifiah Salsabilah Almaidah Khoiriah Amelda Amelda Amelya Patipelang Lewaha An-Nisa Soeni Ana Silva Anggraini Andrean Supriadi Anggraini Agustina Ani Luluk Mauludiyah Anis Rochmawati Anisa Fahrina Amalia Annisa Nurul Imani Annisa Syafitrah Sakeh Annisa Zeny Wankhar Aqidatul Firly Ardianita Thresnasari Arini Mafaza Arista Fauzi Kartika Sari Asmi Zuri Nawu Asriani Asriani Assrofei Laily Faddillah Atik Rohmah Maghfiroh Ayu Octavia Listiana Ayu Tri Andiani Badris Sholeh Bayu Kurnia Rizki Chalisa Amalia Putri Chandra Febyani Putri Mulyadi Cindy Widyawati Cynthia Renita Putri David Wahyu Hemawan Deby Septiani Putri Desi Puji Astuti Devi Ardhelia Devi Trining Tyas Devinda Larasati DEWI DIAH FAKHRIYYAH Dewi Hurwardani Dewi Putri Ariana Dhuratun Nuskha DIAH RAHMAWATI Diah Utami Putri Dian Almahri Abd. Kadir Dian Antika Sari Diawati Diawati Dimas Adik Ragil Putra Dinar Dhea Safitri Dinda Dewi Anggraeni Dinda Faisyatun Nurohniah Dinda Septian Nur’aini Diyah Anisa Diyan Naturrohmah Durotin Masruroh Dwi Dosi Kurniawati Dwi Mila Oktaviani Dwiyani Sudaryanti Dyah Pitaloka Dyah Putri Novitasari Efendi Trias Yusnita Efi Kumala Eka Maylinda Nurafifah Ema Maliawati Emy Puji Puspitasari Enggar Tiyas Yuliyanti Enis Setiawati Erina Sasmita Arjuni Ernia Taufiqoh Ervinda Irawati Evita Tri Wahyuni Evy Nur Sugiarti Fachry Rahmatullah Aditama Fadel Baha Faizatur Hafidhoh Fajar Ashshiddiqi Farida Rengifuryaan Farizka Ananda Safitri Ferina Firdayanti Fetrin Puri Kartikasari Fika Putri Rahayu Firda Rahayu Aisyah Fitri Rahmatika Geya Adiptadaniar Gildha Mita Amalia Gusti Habibah Mutiara Islamiyah Habibatut Thoyibah Hairunisah Hairunisah Hanik Masruroh Hariri Hariri Hariri, Hariri Harun Al Rasyid Harun Alrasyid Harun Alrasyid Hidayatun Nisa Hiqmahtunnisah Hiqmahtunnisah Hoiriyah Ali Holil Holil Husni Firdausi Ika Nur Faiza Indah Kurnia Pebri Innes Septya Putri Intan Kurnia Ira Puspita Sari Irma Hidayati Irnanda Khabilah Umayta Ismi Istihanah Hermawan Isnaini Arofatul Azizah Iva Yuliana Pratama Jamli La Nasir Junaidi Junaidi Junaidi Junaidi Juriyandi Juriyandi Jusuf Al Fahmi Kamisa Delasari Karina Murngnysih Karina Wahyu Ariyanti Khoirotul Kiptiyah Khoridha Rizky Amalia Panda Kiki Dwi Anggraini Kiki Veronica Agatha Kinanthi Widya Larasati Kresna Murti Kumala Faiza Amalia Laila Nur Rosyidah Lailatul Mufidah Lailla Anggriani Laily Faradhiba Larasati Puspaharisti Latisha Ananda Rezha Lesi Anjaliati Lika Yunistiyawati Lindy Aulia Nuryatni Lisa Alvionita Lita Noviani Lucky Ayu Damayanti Luis Wijaya Kusuma Luluk Jihan Fahiroh Lutfiati Choridah M. Cholid Mawardi M. Yusuf Alfandi Hasan Malik Abdul Aziz Maria Ulfa Marita Nining Astutik Maslichah, Maslichah Masrurotul Jannah Ferdiana Maulidia Nur Zahrotun Na’imah Melly Meilani MF. Arrozi Adhikara Mf. Arrozi Adhikara Miftakhul Huda Mila Karmelia Mirdad Mirdad Misbahul Mun’im Mita Putri Lestari Moch Syaifudin Mohamad Indra Ardhiansa Muhammad Erdin Riduwani Muhammad Farhan Arsyad Muhammad Fatahilah Ferdiansah Muhammad Syahril Ramadhan Muhdor Muhdor Munifajri Dwi Nurmanto Nafisa Insha Nahlatul Janah Nailiatul Virohiyyatun Ni’mah Naimatul Hasanah Nanda Dian Rahmadani Nengnis Uswatul Kasanah Nila Wardhani Hermianti Putri Nisa Amelia Ramdani Noraida Hafni Novaya Eky Aidha Pravitasari Novia Andriana Putri Novia Herawanti Novia Rosy Pratiwi Novita Dian Kusuma Putri Novyta Diah Ayu Putri Inandi Nur Aidah Nur Aini Eka Putri Nur Chabibah Nur Chalimatussa’diyah Nur Halisa Nur Hizbiyatul Jannah Nur Hofifah Nur Maina Nurhayati Nurhayati Nurul Elliyana Oktavia Maimatul Magviroh Oktaviana Imami Mahmudah Olivia Rizqiatul Jannah Putri Ningsih Putri Nurfadilah Putri Permata Sari Putri Septianita Rachmawati Qonita Lutfiyah Qurratul Aini Rafika Tri Cahya Rahma Nur Hamida Raudlatul Izzah Rayi Mifta Pradifta Retno Sudyanti Reyvina Yuandani Putri Rifana Wahyu R.S. Rimawati Qadariah Rindit Pranandari Rini Cahyanti Risa Levia Setyawati RISKA AMALIA Riski Lasiba Risma Novitaningsih Riyani Safitri Rumain Rizka Dwi Ayunin Tisna Rizki Fitrian Putra Rizkiyatul Komariyah Rizky Nikmatul Wakhidah Rofiatul Jannah Sabariah Sabariah Safitri Safitri Salimatul Adawiyah Salina Salina Salma Kholis Arjunawati Shela Susanti Shofiyah Shofiyah Siti Aminah Anwar Siti Choirul Umatin Siti Nur Aini Arum Lestari Sofiana Sofiana Sri Sinta Wardani Suci Nurul Izzah Teguh Teguh Tiara Putri Margiota Trixie Anatasya Bella Safitri Tsibat Vozi Kinaza Ufairoh Rohmawati Uhela Mawadati Uji Sri Dewi Binto II Umi Hoeroh Umi Masruroh Umi Nandiroh Ummy Sholihah Uswatun Chasanah USWATUN KHASANAH Venisa Ayu Syafira Vivi Dyah Sripenganti Wahyu Ningsih Wahyuni Irhami Wanda Alisah Sastiana Wardatul Jannah Wendi Asmorojati Widodo Prasetyo Utomo Widya Andreyna Yenia Rizki Sella Yulia Zahro Yunita Adelia Putri Yusrotul Widad Yusuf Chusaeri Yuyun Hanifatusa’idah Zahrotul Jannah Zainal Abidin Zelvi Ainun Naja Zuhrotun Nisa Zuli Alfina