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ANALISIS DAMPAK KELAYAKAN PEMBIAYAAN BANK SYARIAH TERHADAP USAHA MIKRO KECIL DAN MENENGAH Rodhiatul Aslamah Meuraxa; Dita Zakia Rahmah Siahaan; Zuhrinal M. Nawawi
JURNAL ILMIAH EDUNOMIKA Vol 7, No 1 (2023): EDUNOMIKA : Vol. 07, No. 01, 2023
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i1.7750

Abstract

Bank Syariah adalah bank yang berpropesi dengan tidak mengandalkan pada bunga. Bank Islam atau biasa disebut dengan bank tanpa bunga, adalah lembaga keuangan/perbankan yang operasional dan produknya dikembangkan berdasarkan pada Al-qur’an dan hadis, sedangkan pembiayaan adalah salah satu tugas pokok bank, yaitu pemberian fasilitas penyediaan dana untuk memenuhi kebutuhan pihak-pihak yang merupakan defisit unit. Metode penelitian pada penelitian ini bersifat deskripti kualitatif dimana penelitian ini bersumber dari studi pustaka (libary research) dimana studi pustaka dilakukan untuk mencari landasan taori dari berbagai literatur yang berkaitan dengan masalah penelitian. Dengan mengumpulkan refrensi-refrensi yang baik serta pembambilan dari jurnal atau artikel sejenisnya. Hasil dari penelitian ini yaitu analisis dampak pembiayaan pada UMKM ini memiliki tujuan utama untuk memperoleh keyakinan apakah nasabah atau Costumer punya kemauan dn kemampuan dalam memenuhi kewajibannya secara tertib yaitu pembayaran pada pinjaman pokok.
MANAJEMEN RISIKO PADA PEMBIAYAAN USAHA KECIL DAN MIKRO Iqbal Fahri Tobing; Muhammad Suhaimi; Zuhrinal M. Nawawi
JURNAL ILMIAH EDUNOMIKA Vol 7, No 1 (2023): EDUNOMIKA : Vol. 07, No. 01, 2023
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v7i1.8057

Abstract

Risk is an effect that cannot be eliminated from business activities but can be minimized by implementing risk management. Risk management is a step to manage the possibility of obstacles that will occur in a company or business. This research is a library research method. Literature research is a data collection technique by examining books, journals, literature, and notes on various reports relating to the problem to be solved. From the results of the research above, it can be seen that the implementation of financing risk management really needs to be implemented on an ongoing basis in line with the increasing risk of financing arrears. Financial institutions (including LKMS) need to be active in reviewing customers or members who are likely to experience loan arrears so that financial institutions can anticipate from the start. Islamic financial institutions must identify the financing risks inherent in all their products and activities.
Analisis Pengaruh Mata Kuliah Kewirausahaan dan Motivasi Kewirausahaan Terhadap Minat Untuk Menjadi Pengusaha Muda Islami (Young Entrepreneur) Bunga Mawar; Zuhrinal M. Nawawi
Cakrawala Repositori IMWI Vol. 6 No. 1 (2023): Cakrawala Repositori IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v6i1.201

Abstract

A college or university is an institution that develops its graduates into smart, creative, and independent individuals with quality soft and hard skills. Universities must be able to produce students who are adventurous and entrepreneurial. Students' low interest in entrepreneurship stems from their belief that being an employee is better than being an entrepreneur. Similarly, students are more willing to seek information about job vacancies and are ready to follow the selection process for new employees in government agencies and private companies, rather than preparing themselves to create jobs and work through entrepreneurship. With the growth and development of entrepreneurship science, it will increase the enthusiasm of the Indonesian people, especially the younger generation or students to participate in entrepreneurship and create jobs, not just as job seekers. Entrepreneurship is a major issue in developing countries. The progress or decline of a country's economy is highly dependent on the existence and role of the entrepreneurial group.
Pertumbuhan Penduduk dan Kualitas Manusia dalam Meningkatkan Ekonomi Syariah di Indonesia (Literatur Review) Sinambela, Elizar; Harahap, Isnaini; M. Nawawi, Zuhrinal
Ekonomikawan: Jurnal Ilmu Ekonomi dan Studi Pembangunan Vol 24, No 2 (2024)
Publisher : UNIVERSITAS MUHAMMADIYAH SUMATERA UTARA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/ekonomikawan.v24i2.18186

Abstract

The development of Sharia Economics in Indonesia is currently accelerating. The government is mobilizing all available resources, including human resources. The development of sharia business activities is carried out by strengthening the capacity of sharia business actors. This research aims to determine the impact of population growth and human quality in improving the sharia economy in Indonesia. The research method used is a qualitative method using literature review analysis. The results of this research show that the growth of Indonesia's population, which is predominantly Muslim, has great potential in improving the sharia economy in Indonesia. To improve Sharia Economics, qualified people are needed with qualifications that have soft skills and hard skills. Education and skills are hard skills that must be possessed, while soft skills must be supported by 4 main characteristics, namely having the quality of faith, knowledge, quality of good deeds, and social quality, so that the goals of the sharia economy as a sustainable economy can be realized.
Optimizing Ecotourism Management Strategies for Mangrove Forests: A Maqashid Sharia Approach in Batu Bara Regency Husyairi, Mhd. Alwi Syam; Nawawi, Zuhrinal M
BASKARA : Journal of Business and Entrepreneurship Vol 7, No 1 (2024): BASKARA: Journal of Business and Entrepreneurship
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54268/baskara.v7i1.24495

Abstract

Mangrove ecotourism was developed to promote the welfare of local communities by leveraging natural resources in a sustainable manner. This study investigated strategies to increase visitor numbers to Batu Bara Mangrove Park (BBMP) and improve the socio-economic conditions of the surrounding community. A descriptive mixed method was utilized, employing SWOT (Strength, Weakness, Opportunity, Threat) analysis to analyze data collected through interviews, observations, and questionnaires. The research sought to understand key factors contributing to the growth in visitor numbers while addressing challenges faced by park management. Additionally, the study included a welfare analysis based on the principles of Maqashid As-Syariah, which provided an Islamic perspective unique to this research. The findings identified various strategies that could be implemented to better meet visitor needs and preferences, enhancing the overall visitor experience. These strategies focused on improving facilities, services, and aligning development efforts with tourist expectations. By doing so, BBMP could establish itself as a more appealing and sustainable ecotourism destination. The study concluded that addressing visitor satisfaction through tailored development strategies not only holds the potential to increase tourism but also significantly contributes to the economic and social welfare of the local community. This research offers valuable insights into the sustainable management of ecotourism in similar regions.
Analisis Dampak Bulan Ramadhan Dalam Peningkatan Pendapatan Usaha Mikro Di Kelurahan Harjosari Kecamatan Medan Amplas Wahyudi, Ilham; Nawawi, Zuhrinal M.; Syarvina, Wahyu
Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Vol 4, No 1: 2023
Publisher : LPPM Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/ebma.v4i1.4350

Abstract

In general, in the month of Ramadan, Muslims focus on themselvesTo do more worship, to hold thirst and hunger, automaticallyShould have reduced consumption needs, but in fact, it isIn the month of Ramadan the need and consumption increases. The purpose of the researchThis is to find out the results of the analysis of the impact of the month of Ramadan inIncrease in the income of micro businesses in the Harjosari sub-districtSandpaper Field. This research is a qualitative descriptive study. WithUsing data collection techniques through interviews, observation, andDocumentation. The results of this study indicate that there is a positive impactOn increasing micro business income in the Harjosari sub-districtMedan Sandpaper, due to increased consumption patterns of society inMonth of Ramadan, which causes an increase in business incomeMicro, due to the increasing need of the community to shop for needsFood or drink to eat when breaking the fast. As well as impactNegative consequences arising from increased consumption patterns, namely potentialEmergence of extravagance and wastefulness. And the factor of opening hours becomes a problemAgainst several micro entrepreneurs.
Paradigma Ekonomi berkelanjutan di Negara Berkembang Dalam Perspektif Islam Asriadi, Ari; Harahap, Isnaini; Nawawi, Zuhrinal M.
Jurnal Ilmiah Ekonomi Islam Vol 10, No 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.12794

Abstract

This article aims to uncover the dynamics of economic development in developing countries and analyze the influencing factors, focusing on identifying opportunities and challenges in achieving sustainable development. The research method utilized Systematic Literature Review (SLR), enabling the collection, evaluation, and synthesis of diverse literature related to the economic development of developing countries from 2018 to 2023. The results indicate that this study highlights the paradigm shift in the economy from the agricultural sector to the industrial and service sectors while emphasizing significant challenges such as economic inequality, limited access to healthcare and education, and negative environmental impacts. The principles of state and sustainability in Islamic economics, which are based on justice and balance, can be a strong foundation in facing economic challenges.
Systematic Literature Review (Slr): The Effect Of Appraisal Value On Customers' Decisions To Use Gold Pawn Services Andini Al Khoiri, Putri; Nawawi, Zuhrinal M; Anggraini, Tuti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 3 (2024): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3..10890

Abstract

Pawning gold is a popular alternative source of funding in Indonesia. However, a customer's decision to use gold pawning services is influenced by various factors, including the estimated value. This study's goal is to perform a Systematic Literature Review (SLR) in order to determine how the projected value affects consumers' choices when it comes to utilizing gold pawn services. The Systematic Literature Review (SLR) approach is the research methodology employed in journals published between 2020 and 2023. This research method uses SLR by searching for relevant articles from academic databases, such as Google Scholar, Scopus, and Web of Science. The selected articles must meet the inclusion criteria, namely articles that discuss the influence of the estimated value on customers' decisions in using gold pawning services. The research findings indicate that customers' decisions to use gold pawn services are significantly influenced by the assessed value. A high estimated value can boost client confidence in gold pawn services and encourage more people to use them. On the other hand, a low assessed value may make users less trusting of the service and less likely to use it.
Analysis Of The Performance Of The Medan City Public Regional Market Enterprise In Market Retribution Management Putra, Randy Tama; Nawawi, Zuhrinal M.; Harahap, Muhammad Ikhsan
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 1, No 2 (2017): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v4i3.11306

Abstract

This research aims to determine the performance of the Regional Public Company of Medan City Market in managing the market retribution of Medan City. This research uses a qualitative research method. The research subject is PUD Pasar Kota Medan. The data collection techniques are document study and field research by conducting interviews. The data analysis technique uses the Balanced Scorecard analysis tool. The research results show that the performance of the Medan City Public Regional Market Company through the Balanced Scorecard approach is based on four perspectives, namely 1). The financial perspective shows good results, with the economic ratio falling within the economic criteria, the effectiveness ratio falling within the effective criteria, and the efficiency ratio needing improvement as the results indicate it is still less efficient. Based on the Islamic economic perspective, it aligns with the value of ownership. 2). The customer perspective shows that traders feel satisfied through validity and reliability tests. Based on the Islamic economic perspective, the customer perspective aligns with the values of justice in Islamic economics. 3). The internal business perspective indicates that Pud Pasar Kota Medan has provided good service and has innovated by implementing market retribution payments through Virtual Accounts. Based on the Islamic economic perspective, it aligns with the value of balance. 4). The growth and learning perspective shows that employee loyalty is very good and employee satisfaction indicates that employees feel satisfied based on validity and reliability tests. However, training for employees has not been well implemented. Based on the Islamic economic perspective, it aligns with the values of brotherhood and togetherness. Keywords: Company Performance, Market Retribution Management, Balanced Scorecard
Systematic Literature Review (SLR): Optimizing the Potential of Sharia Tourism in Indonesia to Improve Competitiveness and Local Economic Prosperity Pasaribu, Yogi Oriena; Nawawi, Zuhrinal M; Syahriza, Rahmi
Islamiconomic : Jurnal Ekonomi Islam Vol 16, No 1 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i1.825

Abstract

Sharia tourism is one of the sectors that has great potential in supporting economic growth and the welfare of local communities in Indonesia. Considering that Indonesia is the country with the largest Muslim majority population in the world, optimizing the potential of sharia tourism can be an important strategy to attract domestic and international tourists who are looking for a tourism experience that is in accordance with Islamic principles. This study aims to identify various challenges and solutions needed in optimizing the potential of sharia tourism in Indonesia through the Systematic Literature Review (SLR) approach. This study is based on 13 research journals published between 2018 and 2023. The results of the analysis show that low competitiveness, lack of infrastructure, and limited understanding of the concept of sharia tourism are the main obstacles in the development of this sector. The proposed solutions include the development of supporting infrastructure, education of industry players about sharia principles, innovation in halal tourism products, and synergy between the government, industry players, and local communities. Optimizing sharia tourism in Indonesia is expected to improve local economic welfare by creating jobs and encouraging the growth of sharia-based MSMEs.
Co-Authors Abd. Rahman Abda Abda Ade Khadijatul Z. Hrp Ade Khadijatul. Z Hrp Ade Teo Wardana Adek Iskandar Siregar Adinda Putri Adinda Rizki Fadilah Adisty Anggraini Adisty Aulia Zahra Agustin, Elisa Ahmad Muhaisin B. Syarbaini Ahmad Rajin Siregar Aida Lasmi Aida Malan Sari Ainun Jakia Ritonga Aisha Alvia Akbar, Ahmad Yusuf Al Tasya Fitrah Alfi Amelia Alfin Agung Az’har Alifa Adzra Siregar Alya Sahbrina Amalia Munajah Nasution Amanda Mutiara Hasibuan Amanda, Dea Putri Ami Radianti Amsari, Syahrul Ananda, Chadisa Rizky Andini Al Khoiri, Putri Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Anggara, Windu Anggraini, Adisty Anisa, Khotiza Anjali Marwiyah Siregar Annisa Aprilia Annisa Aprilia Annisa Edelia Annisa Fajaria Annisa Hafizzah Hutabarat Annisa Karimah Annisa Putri Siregar Aprina Tanjung Aqwa Naser Daulay Arieffan Syah Arpin Dalimunthe Arsyaf Tampubolon Asri Lestari Asri Lestari Asriadi, Ari atika Atika Atika Atika Atika Atika Atika Audina Rizka Zahra Aulia Monica Aulia Monica Aulia Syahfitri Ayu Andini Azhari Akmal Tarigan Azizah Rahmah Azmi, Syahfrilla Al Risa Nurul Azzahra, Salwa Baehaqi Balqis Anisa Janati Batubara, Zulfa Khairina Bayu Prabowo Bunga Mawar Burhanuddin Cahya Purwati Sinulingga Chintya Pradilla Putri Cici El Dirrah Syafitri Simanungkalit Cindy Antika Dahrul Siregar Dahrul, Siregar Dalimunthe, Mahfuzah DAYU, Wulan Dea Putri Amanda Dewi Herlina Dharma, Budi Diah Hafni Pardede Dian Irmawani Dian Irmawani Diba Nur Rahman Dicky Mahendra Dinda Melani Putri Dini Safarina Dita Zakia Rahmah Siahaan Divia Zulianti Dona Zahra Hasibuan Dwi Kresna Riyadi Effendy, M. Ridho Effendy, Muhammad Eidho Eka Lestari Eli Sugiarto Elizar Sinambela Ella Safitri Ellina Satyana Elvira Andriyani Enjely Putri Marpaung Ervina Yulia Angkat Evelyne Vagittha Tarigan Fadillatunnisa Fadillatunnisa Faisal Hamdani Harahap Fakhri, Muhammad Hafizhan Fandy Rangkuty, Muhammad Hafif Faris Andrawika Harahap Fauzan Najib Fauzi Ahmad Romadhon Fauziah Fauziah Fauziah Sarah Febriana Sakina Febriandi Akbar Sitompul Feby Maulydia Nasution Finik Kharianti Fiqkri Ardian Fuadi Fuadi Gita Kurniasari Sembiring Gusniati, Putri Habilla Asnhari Hafsyah Yasmita Haikal Dzikri Daulay Harahap, Faris Andrawika Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Harahap, Tawarni Roha Hari Setiawan Saragih Hasibuan, M. Hizbullah Hasibuan, Mardiah Khofifah HASIBUAN, MASDELIMA Hendra Harmain Herry Syahbanuddin Herwan Nafil Hilmiatus Sahla Husni Fazari Lubis Husni Pasarela Husyairi, Mhd. Alwi Syam Ilham Wahyudi Imel Santika Siregar Imran, Buhari Imsar Indah Mutiara Ayu Indradewa, Rhian Indry Anggraini Putri Iqbal Fahri Tobing Irhamna Tanjung Irma Chairani Tambunan Irma Rahmayani Marpaung irma rahmayani marpaung Ismail Ismail Ismail Isnaini Harahap Jaidil Kamal Jamaluddin Siregar Jannah, Nurul Jihan Humairoh Julia Hamdini Nasution Juliana Nasution Juliana Sari Harahap Kamal, Jaidil Kamaruddin Kamaruddin Kaswinata Kaswinata, Kaswinata Khairina Tambunan Khamal Rokan, Mustapa Kharianti, Finik Kharisma, Diah Ananda Khofifah Sari Hasibuan Khoiria Risky Tanjung Khoirun Nisa Lubis Kurinci, Ayu Ismah Azizah Kurnia Sandi Panjaitan Kusmilawaty Kusmilawaty Laila Fitria Lailan Safina Hasibuan Laiyinna Misqha Efendi Lasmi, Aida Lathifah Ananda Putri Latifah Laura Oktarani Br Torong Laylan Syafina Leni Lestari Simatupang Lestari Perdana Putri Lia Purnama Sari Lubis, Ilham Habibi Lutfiansyah, Irham Luthfia Masfa Nur M Rizky M. Hizbullah Hasibuan Mahfuzah Dalimunthe Marliyah Marliyah, Marliyah Marlya Fatira AK Marni Susi Susanti Harahap Masdelima Hasibuan Mashithoh Sitorus Mawaddah Irham Mawaddah Mawaddah, Mawaddah Maysa Chairani Mega Hasibuan Mega Hasibuan Mela Devita Mela Devita Melly Nia Fajriani Sinaga Miliantari, Dea Miranda, Miranda Miratul Imaniah Muhammad Adam Muhammad Andre Alkahfi Muhammad Arif Muhammad Fakhru Rizqi Muhammad Hasan Muhammad Iqbal Sayuti Harahap Muhammad Iqbal Sayuti Harahap Muhammad Istiftahu Syifa Muhammad Istiftahu Syifa Muhammad Rajab Ardiansyah Muhammad Ramadhan Muhammad Ramadhan Muhammad Sawal Pitriyadi Muhammad Suhaimi Muhammad Syahbudi Muhammad Umar Maya Putra Mulia Syahputri Munthe, Yusnita Ulfah Mutia Sari Dewi Mutiara Sari Mutiara Sari Mutiara Sawitri Pane Nabila Salsahbilah Nadia Ulfa Nailul Muna Namira Azani Nasution, Annio Indah Lestari Nasution, Juliana Nasution, Muhammad Irwan Padli Nawir Yuslem Nawir Yuslem, Nawir Nelsi Agustina Siburian Nikmah Amalia Harahap Nila Rosdiana Nirmadarningsih Hiya Niswa Auliya Lubis NUR AHMADI BI RAHMANI Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani NUR ASRIZA PASARIBU Nur Fadhilah Ahmad Hsb Nur Sa’diah Saragih Nur Syafikah Lubis Nurfadillah Najwa Faraiddin Nurhalija Sitompul Nurhalisa, Siti Nurhaliza Nurhaliza Nurhidayah Nurhidayah Nuri Aslami Nursantri Yanti Nurul Inayah Nurul Inayah Nurul Inayah Nurul Inayah Nurul Izzah Nurul Jannah Pane, Ricky Pardede, Diah Hafni Pasaribu, Sri Pujiyama Pasaribu, Yogi Oriena Popi Dea Ananda Pratista Andanitya Siregar Puja Maharani Pasaribu Putra, Randy Tama Putri Gusniati Putri Sepfiani Putri Sepfiani Putri Siregar, Annisa Putri, Indry Anggraini Qarni, Waizul Rafika Ananda Putri Rahma Wulan Suci Nasution Rahma, Putri Rahmad Bahagia Rahmat Rahmat Rahmat Rahmi Syahriza, Rahmi Raihanah Daulay Ramayanti Simanjorang Raniwati Siregar Raudatun Sumi Reni Ria Armayani Reni Riswati Ridho Erianto Rifka Fachrina Rima Rizki Syahputri Rina Aldila Ririn Pebrianti Riska Nasution Risna Dewi Rivai Iqrok Tanjung Rivanka, Weny Rizky Ananda Utami Rizky Febriansyah Sinaga Rodhiatul Aslamah Meuraxa Rodiatul Husna Roza, Fitra Maulana Ruli Pebrina Br Sitepu Rusdi Hidayat, Ahmad Safinatunnaja Safrizan, Safrizan Sahri Aramiko Sakinah Sakinah Sakinah Sakinah Sallimah Ika Putri Malau Salsabila Sofiya Wardani Salsabila, Tri Utami Sani, Sri Aderafika Sekar Sari Septi Sanjaya, Rendy Septia Sakinah Rizki Seri Handayani Shopi Regina Siburian, Nelsi Agustina Simanjorang, Ramayanti Sindi Sihombing Sinta Sukma Ayu Siregar Dahrul Siregar, Almi Rahmadani Siregar, Bakia Sarmita Utari Siregar, Wardah Hinayah Siska Junianti Br Perangin-angin Siti Aisyah Siti Fahirah Sihotang Siti Nurhafizah Siti Nurhalimah Siti Sahara Siti Saleha Sitorus, Isnaini Faraz Azis Ilmi Sonia Purba Sovia Harahap Sri Aderafika Sani Sri Kartika Dewi Sri Ramadhani Sri Rezeki Widya Ritonga Sri Sudiarti Sri Wahyuni Subambang Harsono Suci Pranasari Suci Ramadhani Siregar Sucita Alfiani Sulistya Ningsih, Inten Syafitri, Mita Nur Syahla Ananda Syahla Nabila Syahputra, Angga Syakir, Ahmad Syarbaini, Ahmad Muhaisin B. Syuhada Fela Yudha Tambunan, Irma Chairani Tambunan, Khairina Tambunan, Kharina Tambusay, Basmaida Waty Tamima, Aqila Tasya Maulida Tasya Nadila Taufik Hidayat Tria Silvia Tria Wardani Trisna Eka Putri Triya Harti Sholihat Tuti Anggraini Tuti Anggraini Tuti Anggraini Vega Liana Vina Cynthiasari Vivi Juliana Siregar Wahyu Syarvina Wan Ronaldo Nasution Widya Anggraini Wildan Izzaty Winata, Bagas Anggi Windi Jihan Nabila Yeni Aulia Siagian YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yohana Ariska Putri Nasution YUDI SISWADI Yuli Anisyah Hasibuan Yunda Herliana Yuni Maryam Siregar Yusliani Yusliani Yusnita Ulfah Munthe Yustia Dewi Zidane, Muhammad Raihan Zulfahani Zulfahani Zulfitri Zulfitri Zulianti, Divia