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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura Tazkia Islamic Finance and Business Review Jurnal Manajemen STIE Muhammadiyah Palopo Madania: Jurnal Ilmu-Ilmu Keislaman Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN SEIKO : Journal of Management & Business JMKSP (Jurnal Manajemen, Kepemimpinan, dan Supervisi Pendidikan) Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JIKA: Jurnal Ilmu Keuangan dan Perbankan JOURNAL OF APPLIED BUSINESS ADMINISTRATION Journal of Humanities and Social Studies JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) JESI (Jurnal Ekonomi Syariah Indonesia) Competitive Jurnal Akuntansi dan Keuangan JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Pena Justisia: Media Komunikasi dan Kajian Hukum Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Proaksi Informatika Tasharruf: Journal Economics and Business of Islam International Journal of Economics Development Research (IJEDR) Ilomata International Journal of Management Management Studies and Entrepreneurship Journal (MSEJ) SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Jurnal Akuntansi, Manajemen dan Ilmu Ekonomi (JASMIEN) Quantitative Economics and Management Studies Bisnis Net : Jurnal Ekonomi dan Bisnis JURNAL MANAJEMEN AKUNTANSI (JUMSI) Dynamic Management Journal Humantech : Jurnal Ilmiah Multidisiplin Indonesia Journal of Indonesian Management Indonesian Journal of Innovation Studies Journal of Computer Science and Information Systems (JCoInS) Balance : Jurnal Akuntansi dan Manajemen International Journal of Accounting & Finance in Asia Pasific EKONOMIKA SYARIAH : Journal of Economic Studies Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economics Lariba Journal of Public Representative and Society Provision Amkop Management Accounting Review (AMAR) Research Horizon Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties GEMAH RIPAH: Jurnal Bisnis IIJSE Jurnal Akuntansi dan Keuangan Islam (JAKIs) As-Syirkah: Islamic Economic & Financial Journal
Rahmani, Nur Ahmadi Bi
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Interaction Use Paylater Regarding Student Decisions with Lifestyle as Variables Moderation in the Perspective of Islamic Economics : A Case Study of FEBI Students at UIN North Sumatra Iqbal, Muhammad; Syahbudi, Muhammad; Rahmani, Nur Ahmadi Bi
Journal of Applied Business Administration Vol 9 No 2 (2025): Journal of Applied Business Administration
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.10693

Abstract

The advancement of financial technology has given rise to Paylater services, which are increasingly favored by university students, particularly for fulfilling their consumption needs directly. However, this convenience has the potential to trigger consumer behavior that conflicts with it. Based on this phenomenon, this study formulates the following question: Does the use of a Paylater perspective influence students' consumption decisions, and does lifestyle moderate this relationship? This study aims to analyze the effect of Paylater usage on student decisions and to examine the role of lifestyle as a moderating variable. The method employed is a quantitative approach using multiple regression and Moderated Regression Analysis (MRA). A sample of 98 students from the Faculty of Islamic Economics and Business at UIN North Sumatra was obtained through purposive sampling. The results indicate that Paylater usage has a significant effect on students' consumption decisions. Furthermore, lifestyle is proven to moderate this relationship, where a consumptive lifestyle strengthens the influence of pay later on consumption decisions. These findings indicate a shift in student consumption patterns toward instant and emotional behavior. Therefore, financial literacy education based on Sharia principles and promotion is necessary to address the penetration of digital financial services.
Supply Chain Management (SCM) Analysis in the Distribution Flow of 3 Kg LPG Gas at UD. Fitri Depot in Karo Regency Nikira, Nikira; Rahmani, Nur Ahmadi Bi; Lubis, Fauzi Arif
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2552

Abstract

The purpose of this study is to investigate the stages of the supply chain process involved in distributing 3 kg LPG gas at the UD distribution center in Karo Regency, as well as to identify the causes of delays in delivery and reductions in the quantity of goods requested by retailers at the distribution center. Fitri in Karo Regency, as well as to identify the causes of delivery delays and reductions in the quantity of goods requested by retailers at the distribution center. The method used in this study is a qualitative survey analysis, conducted through Lean Search, based on direct observation at the LPG gas distribution center. Data collection techniques included observation, interviews, and documentation conducted directly at the gas distribution center. The results of the study indicate that the 3 kg LPG gas distribution center is located at UD. Fitri in Karo Regency has three supply chain flows: product flow, information flow, and financial flow. Delays in the delivery of goods from the distribution center to retailers are caused by transportation limitations of the distribution center, which cannot transport large quantities of LPG gas to multiple retailers at once, as well as transportation issues such as flat tires and the distance between the distribution center and retailers, and unexpected road conditions that occasionally cause traffic congestion, leading to delays in goods delivery. Additionally, discrepancies between the quantities ordered by retailers and those delivered by the distribution center are caused by the limited supply available at the distribution center, which must allocate the available LPG gas among multiple retailers. Based on the analysis conducted by the author, the LPG distribution center UD. Fitri should establish and implement a scheduling system for retailers by dividing days and times for placing LPG gas orders. Additionally, the distribution center should consider the distance traveled for deliveries to retailers to minimize the risk of delivery delays. It should also calculate distribution costs for deliveries to retailers by avoiding and reducing excessively long distances, thereby saving on distribution costs in the event of fuel price increases while maintaining an efficient distribution process.
The Influence of Student Interest in Stock Investment in the Banking Sector: A Case Study at KSPMS Golden UIN Sumatera Utara Hani, Hani Widari; Daulay, Aqwa Naser; Rahmani, Nur Ahmadi Bi
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2645

Abstract

This study aims to analyze the influence of financial literacy, risk perception, and minimum capital on students’ interest in investing in banking sector stocks. The research subjects are students and members of the Sharia Capital Market Study Group (KSPMS) Golden at the State Islamic University of North Sumatra. The research employed a quantitative associative approach with purposive sampling technique, involving 100 respondents. Data were analyzed using multiple linear regression with the assistance of SPSS version 30. The results show that financial literacy and minimum capital have a positive and significant effect on students' investment interest. In contrast, risk perception does not significantly affect investment interest. These findings indicate that increasing financial understanding and providing affordable capital can encourage more active student participation in stock investment, particularly in the banking sector. Therefore, the role of communities like KSPMS is crucial in educating and guiding students to become more knowledgeable and confident investors.
The Effect of Third-Party Funds and Financial Ratios on Net Profit with Financing as an Intervening Variable Utami, Rizky Ananda; Nawawi, Zuhrinal M.; Rahmani, Nur Ahmadi Bi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8622

Abstract

PT. Bank Mega Syariah Tbk is one of the Islamic financial institutions in Indonesia that plays an important role in supporting economic growth through fund mobilization and financing distribution. The bank’s financial performance is inseparable from its ability to manage Third Party Funds (TPF) and financial ratio indicators such as ROA, ROE, and NPF. Net profit, as the main measure of bank profitability, can be influenced by various factors, both directly and indirectly through intervening variables such as financing. Therefore, this study examines the effect of Third-Party Funds and Financial Ratios on Net Profit with Financing as an intervening variable at PT. Bank Mega Syariah Tbk during the period 2016–2024. The sample was determined using purposive sampling, resulting in 216 data points, with analysis conducted using descriptive statistics and Structural Equation Modeling (SEM). The results show that Third Party Funds (X₁) have a positive and significant effect on Financing (Z), Third Party Funds (X₁) have a positive and significant effect on Net Profit (Y), Financial Ratios (X₂) have a positive and significant effect on Financing (Z), Financial Ratios (X₂) have a positive and significant effect on Net Profit (Y), Third Party Funds (X₁) have a positive and significant effect on Net Profit (Y) through Financing (Z), and Financial Ratios (X₂) have a positive and significant effect on Net Profit (Y) through Financing (Z) at PT. Bank Mega Syariah. This study indicates that the bank’s success in mobilizing TPF and maintaining healthy financial ratios not only directly affects profitability but also improves financing performance, which ultimately strengthens net profit. In other words, proper fund management and risk management strategies are key to sustaining customer trust, strengthening liquidity, and enhancing the bank’s competitiveness in the Islamic banking industry.
THE EFFECT OF LOAN ACCESSIBILITY AND FINANCIAL PLANNING ON ONLINE LOAN CONSUMER BEHAVIOR Yumna, Afrian Andika; Rahmani, Nur Ahmadi Bi; Yanti, Nursantri
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12628

Abstract

The purpose of this study is to ascertain how State Islamic University of North Sumatra (UINSU) Faculty of Economics and Islamic Business (FEBI) students use online loan services in connection to loan accessibility and financial planning. The background of this study is the rise in student use of online loan services, which are typically used to finance lifestyle needs rather than necessities. Through purposive sampling, 100 students were chosen to take part in the survey for this associative quantitative study. SPSS version 25 and multiple linear regression were used for data analysis. Purposive sampling was used to select 100 students for this study, which employs an associative approach and survey method. A p-value of 0.000 and a regression coefficient of 0.638 demonstrate that loan accessibility has a significant and positive impact on consumer behavior.  A regression coefficient of 0.438 and a p-value of 0.000 show that financial planning has a significant and advantageous effect.  Both variables have a significant impact on consumer behavior, as evidenced by the significance value of 0.000 and the F-count value of 93.419 (which is higher than the F-table value of 3.09), respectively.  With a coefficient of determination (R2) of 0.658, financial planning and loan accessibility account for 65.8% of the variation in student consumption patterns.  The remaining 34.2% are affected by factors that are not part of the research model
SHARIA-BASED MSME DEVELOPMENT STRATEGY IN TEBING TINGGI CITY Lubis, Radja Janna; ,., Sugianto2; Rahmani, Nur Ahmadi Bi
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32070

Abstract

The purpose of this study is to develop a development plan for sharia-based MSMEs in Tebing Tinggi City to encourage more equitable and inclusive regional economic development. This study used a qualitative descriptive method. Five MSMEs that have implemented sharia principles in their operations were observed and interviewed to collect data. The collected data were then analyzed thematically to identify trends, obstacles, and development tactics. The study findings demonstrate that sharia-based MSMEs in Tebing Tinggi City have adopted Islamic values such as being free from usury, using halal materials, and contributing to social welfare. However, they still face significant challenges such as limited access to sharia financing, a lack of Islamic economic literacy, and suboptimal utilization of digitalization. Recommended development strategies include improving sharia literacy, partnerships with Islamic financial institutions, training in digitalization and halal marketing, and facilitating halal certification. An integrative approach based on spiritual values, technology, and institutionalization is needed to strengthen the competitiveness of sharia-based MSMEs sustainably. This study contributes to the strategic framework for sharia-based MSME development at the regional level, integrated with Islamic economic principles and local challenges. The uniqueness of this study lies in the focus on the local context of Tebing Tinggi City and the direct interview approach to formulate sustainable strategies.Keywords: Sharia-compliant MSMEs, development strategy, finance, local economy, Tebing Tinggi City
PENGARUH NILAI TUKAR RUPIAH, HARGA KOPI INTERNASIONAL TERHADAP NILAI EKSPOR KOPI INDONESIA DENGAN INFLASI SEBAGAI VARIABEL INTERVENING PERIODE 2002-2021 Lubis, Ridwan Azhari; Rahmani, Nur Ahmadi Bi
JURNAL EKONOMI PENDIDIKAN DAN KEWIRAUSAHAAN Vol. 11 No. 2 (2023)
Publisher : UNIVERSITAS NEGERI SURABAYA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jepk.v11n2.p135-152

Abstract

Indonesia menjadi salah satu negara yang melakukan perdagangan internasional, yaitu ekspor. Salah satu komoditi ekspor Indonesia adalah kopi yang merupakan produk ekspor sektor perkebunan. Penelitian ini bertujuan untuk mengetahui pengaruh nilai tukar rupiah dan harga internasional terhadap nilai ekspor kopi Indonesia. Kebaharuan penelitian ini adalah peneliti mencoba untuk menambahkan variabel inflasi sebagai variabel intervening untuk mencari tahu pengaruh secara tidak langsung antara nilai tukar rupiah dan harga kopi internasional terhadap nilai ekspor kopi melalu inflasi. Teknik analisis yang dipakai menggunakan uji analyisis jalur. Hasil penelitian menunjukkan bahwa Nilai Tukar Rupiah berpengaruh terhadap Nilai Ekspor Kopi. Harga Kopi Internasional berpengaruh positif dan signifikan terhadap Nilai Ekspor Kopi. Nilai tukar rupiah, harga kopi internasional secara simultan berpengaruh positif dan signifikan terhadap nilai ekspor kopi di indonesia tahun 2002-2021. Hasil path analysis menunjukkan bahwa secara tidak langsung nilai tukar rupiah dan harga kopi melalui Inflasi tidak mempunyai pengaruh signifikan terhadap Nilai ekspor kopi di indonesia tahun 2002-2021.
The influence of religiosity, service, and premium rates on customer satisfaction through the sharia insurance decision as an intervening variable at Askrida Syariah Insurance Company Medan Branch Radianti, Ami; Rahmani, Nur Ahmadi Bi; Syarbaini, Ahmad Muhaisin B.
Journal of Islamic Economics Lariba Vol. 9 No. 1 (2023)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss1.art13

Abstract

IntroductionCustomer satisfaction is important aspect for an insurance company, including sharia, to succeed. For sharia insurance company many factors can lead to customer satisfaction including religiosity.ObjectivesThis research aims to analyze the influence of religiosity, service and premium rates on customer satisfaction with sharia insurance purchasing decisions as an intervening variable at the Askrida Syariah insurance company, Medan Branch. MethodThis research method is a path analysis method with a quantitative approach. The population in this study were customers who joined the Medan Branch of the Askrida Syariah Insurance Company. Samples were taken at random (random sampling) by distributing questionnaires to 100 respondents of Askrida Syariah insurance customers, Medan Branch, using the Slovin formula. The data collection method uses two approaches, namely the library approach and distributing questionnaires. The data analysis technique used in this approach is PLS with the SmartPLS program Version 3.2.8.ResultsThe research results show that religiosity and service have a positive and significant impact on customer satisfaction, while premium rates have a negative and insignificant impact. Religiosity and service have a negative and insignificant effect on customer satisfaction through sharia insurance decisions, while premium rates have a positive and significant effect. ImplicationsInsurance companies need to increase customer satisfaction, this can be done by building the concept of religiosity, especially sharia insurance, this is done to increase customer and prospective customer trust in the insurance program provided.Originality/NoveltyThis research contributes to the development of the sharia insurance business which prioritizes the dimensions of religiosity, service and premium rates.
Analisis Pengaruh Total Asset dan Hasil Investasi Terhadap Laba Perusahaan Asuransi Jiwa Syariah di Indonesia Periode 2015-2020 Quraniyah, Fike; Rahmani, Nur Ahmadi Bi; Inayah, Nurul
As-Syirkah: Islamic Economic & Financial Journal Vol. 2 No. 1 (2023): As-Syirkah: Islamic Economic & Financial Journal 
Publisher : Ikatan Da'i Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56672/w42fp416

Abstract

This study aims to determine the effect of total assets and investment returns on profits of Islamic life insurance companies in Indonesia for the 2015-2020 period. This study consists of total assets and investment returns as independent variables and company profits as the dependent variable. company during the period 2015 to 2020. The results of the study showed that Total Assets (X1) showed an alpha coefficient of 5% (t-stat = 2.737>1.667) and prob. 0.008 < 0.05. Then the hypothesis is accepted, namely Total Assets has a significant effect on Net Profit at PT. Sharia Life Insurance Period 2015-2020. Investment returns (X2) show a 5% alpha coefficient (t-stat = 2.498>1.667) and prob. 0.015 < 0.05. Then the hypothesis is accepted, namely the investment return has a significant effect on net income at PT. Sharia Life Insurance Period 2015-2020. Total Assets (X1) and Investment Returns (X2) show a 5% alpha coefficient (t-stat = 4.807>2.76) and prob. 0.011 < 0.05. Then the hypothesis is accepted, namely Total Assets and Investment Returns have a significant effect on Net Profit at PT. Sharia Life Insurance Period 2015-2020.  
Analysis of Stock Valuations in Estimating Stock Prices in the Covid-19 Period And Investment Decision Br Silalahi, Noni Novita Sari; Rahma, Tri Inda Fadhila; Rahmani, Nur Ahmadi Bi
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 6 No. 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v6i1.5377

Abstract

The purpose of this study was to determine whether the intrinsic value of the stock is in undervalued, overvalued, and fair-valued conditions. Quantitative research methods were applied to eleven companies listed on ISSI, mainly Telecommunication, Pharmaceutical, and Finance companies. Based on the use of the PER and PBV methods and the results of the independent sample T-Test test, it was revealed that there is a significant difference between the average results of PER and PBV stock valuations. Through PER, 5 companies have shares with undervalued price conditions, namely TLKM, KAEF, KLBF, PYFA, and SIDO and 6 shares are in overvalued price conditions, namely ISAT, DVLA, MERK, TSPC, BRIS, and BTPS. Based on the use of the PBV method, 5 companies have shares with undervalued price conditions , namely DVLA, KAEF, KLBF, MERK, and SIDO,  6 companies are in overvalued price conditions, namely ISAT, TLKM, PYFA, BRIS, BTPS, and TSPC, and 6 companies with the same conditions using PER and PBV, namely KAEF, KLBF, SIDO, TSPC, BRIS and BTPSTujuan penelitian ini adalah untuk mengetahui nilai intrinsic saham apakah berada pada kondisi undervalued, overvalued, dan fairvalued. Metode penelitian kuantitatif diterapkan pada 11 perusahaan yang terdaftar dalam subsektor Telekomunikasi, Farmasi, dan Keuangan yang tergabung dalam ISSI. Berdasarkan penggunaan melalui metode PER dan PBV didapatkan hasil uji independent sample t-test sebesar 0,032 < 0,05 maka H0 ditolak dan H1 diterima artinya bahwa terdapat perbedaan signifikan antara rata-rata hasil valuasi saham PER dan PBV. Root Mean Square Error digunakan untuk mengetahui tingkat kesalahan didapatkan bahwa nilai RMSE PER (1786) < PBV (1935) artinya metode PER lebih baik dibandingkan PBV karena memiliki tingkat kesalahan lebih kecil. Melaui PER didapatkan 5 perusahaan memiliki saham dengan kondisi harga undervalued yaitu TLKM, KAEF, KLBF, PYFA, dan SIDO dan 6 saham berada dalam kondisi harga overvalued yaitu ISAT, DVLA, MERK, TSPC, BRIS, dan BTPS. Berdasarkan penggunaan metode PBV didapatkan 5 perusahaan memiliki saham dengan kondisi harga undervalued yaitu DVLA, 
Co-Authors ,., Sugianto2 Afriza Ulfa Ritonga, Afriza Ulfa Ritonga Amaliah, Riska Aminuyati Amir, Afriza Andri Soemitra Antony Wijaya Aqwa Naser Daulay Arifin Fauzi Lubis Arsyadona, Arsyadona Atha, Muhammad Alwan atika Atika Atika Atikah, Rahmi Atmaja, Ardi Azhar Maksum Batubara, Maryam Boangmanalu, Rahmat Syahputra Br Silalahi, Noni Novita Sari Budi Prianto Chaniago, Alia Devyana, Melati Dharma, Budi Dzuljastri, Dzuljastri Fachrozie, Ridho Fadhil, Muhammad Irsyad Fahani, Tania Azura Febriana, Vinni Firjatullah, Fairuz Fitri Susanti Siregar Giawa, Jevon Monahan Hani, Hani Widari Hanin, Fadya Harahap, Jamiah Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Muthia Hafsari Hendra Harmain Hendri Tanjung ilham khairi, ilham Indradewa, Rhian Jannah, Nurul Juniartkik, Irma Kaswinata, Kaswinata Kembaren, Nurul Fadhilah Yusri Khaira Amalia Fachrudin Khairani, Umi Khairi, Mhd Rizki Khairun Nisa Kusmilawaty, Kusmilawaty Lubis, Muhammad Azizi Akbar Lubis, Radja Janna Lubis, Ridwan Azhari Mahira, Nazla Minda Mandani, Putih Manurung, Nabila Tasya Nurhafifah Marliyah Marliyah, Marliyah Matondang, Sabrina Natasya Muhammad Iqbal Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan muhammad Syahbudi, muhammad Muhammad Yafiz, Muhammad Murizal, Irvan Mustapa  Khamal  Rokan Nasada, Kayla Zahara Putri Nasution, Juliana Nikira, Nikira NST, Muhammad Latief Ilhamy Nst, Nurul Hafizah Nurbaiti Nuri Aslami Nursantri Yanti Nurul Inayah Nurwani Nurwani, Nurwani Prasetyo, Aris Kukuh Qarni, Waizul Qoyum, Muhammad Quraniyah, Fike Radianti, Ami Rahma, Tri Inda Fadhila Rahmadhani, Layla Rahman, Zikri Rahmi Syahriza, Rahmi Ramlan, H. Rianti, Irna Sarah, Fitria Siagian, Melsa Siagian, Riza Rasyid Silalahi, Amlys Syahputra Silalahi, Purnama Ramadani Simanungkalit, Gustin Tamara Sinaga, Abigail Theresa Siregar, Efrida Rahma Sari Siregar, Eva Syahrida Siti Jubaidah, Siti Sitorus, Friska Olavia Sugianto Surbakti, Agung Grafika Suripto, Rahul Al Fatah Syah, Dwiki Wardana Syahputra*, Angga Syarbaini, Ahmad Muhaisin B. Tambunan, Sagdiyah Fitri Andani Tanjung, Rizki Ramadhan Tiawan, Tegar Adit Utami, Rizky Ananda Vanessa Vanessa Wahyu Syarvina Wiwik Handayani Yanti, Nur Santri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yumna, Afrian Andika Zuhrinal M. Nawawi