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Implementasi Akad Mudharabah pada produk Mitra Mabrur Plus: Studi Kasus Asuransi Jiwa Syariah Bumiputera Cabang Medan Ayu Rahmawati; Muhammad Arif; Nurul Jannah
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 1 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Penelitian ini dilaksanakan di PT. Asuransi Jiwa Syariah Bumiputera Kantor Pemasaran Syariah medan. Jenis penelitian yang digunakan yaitu penelitian kualitatif, sumber data yang diperoleh berasal dari data primer dan sekunder. Dalam pengumpulan data penelitian ini menggunakan teknik kepustakaan, wawancara, observasi, dan dokumentasi. Kesimpulan yang diperoleh dari hasil penelitian ini adalah: Implementasi akad mudharabah yaitu peserta menyertakan 100% modalnya kepada pengelola untuk dikelola berdasarkan prinsip syariah sehingga keuntungan dibagi bersama sesuai dengan kesepakatan yang telah disepakati, sedangkan kerugian ditanggung oleh pemilik modal saja, pengelola tidak menanggung kerugian material karena pengelola menanggung kerugian lain berupa tenaga dan waktu. Perhitungan bagi hasil (mudharabah) di PT. Asuransi Jiwa Syariah Bumiputera Kantor Pemasaran Syariah Medan, dalam prakteknya sudah tersistem sehingga jika ada peserta yang bergabung, maka karyawan hanya memasukan data peserta ke komputer dan perhitungan dananya akan muncul secara otomatis. Berdasarkan polis Mitra Mabrur Plus, bagi hasil (mudharabah) yaitu 70:30 dimana 70% untuk peserta dan 30% untuk perusahaan.
PANDANGAN MAQASID SYARIAH DALAM PENGELOLAAN DANA HAJI MELALUI SUKUK Gina Maulida Ndraha; Marliyah Marliyah; Muhammad Arif
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 6 No 1 (2023): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v6i1.6896

Abstract

From the results of the analysis of this study it was found that the Hajj funds managed by the Ministry of Finance were combined with funds from debt financing sources which then entered into the state treasury which was allocated to debt financing in the budget financing section which functioned to cover short-term cash shortages where cash differences appeared when the available state treasury is unable to suffice for expenditures that cannot be postponed. The effectiveness of the management of the Hajj funds can be seen from the improvement in the quality of organizing the Hajj (lodging, catering and transportation) and the Cost of Organizing the Hajj (BPIH). With BPIH in 2018 of Rp. 31 million pilgrims have received the best facilities with 3 star accommodation, safe and secure transportation and timely catering, clean and healthy food is also delivered according to time and portion. This is proof that the management of haj funds at SDHI is effective because the results of these yields can cover half of the service needs and costs of Indonesian haj.
Rekonstruksi Hukum Harta Bersama dalam Perkawinan Widya Sari; Muhammad Arif
UNES Law Review Vol. 6 No. 1 (2023): UNES LAW REVIEW (September 2023)
Publisher : LPPM Universitas Ekasakti Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/unesrev.v6i1.745

Abstract

This paper aims to examine the potential for disputes in the problem of joint property in marriage. Normatively, both Article 85 KHI and 86 paragraph {1} KHI and Article 171 letter e KHI have the potential for turbulence of law which has implications for social turbulence which leads to legal uncertainty itself. This research is a literature study (library research) with the data analysis method used is content analysis. The results of this study indicate that the legal norms contained in Article 85 KHI and 86 paragraph {1} KHI, as well as Article 171 letter e KHI, basically require an agreement as a form of manifestation of separation, possession of marital assets and legal actions that can be performed each party over their respective assets without neglecting their respective obligations in marriage, so that with an agreement on marital assets, the clustering of assets controlled by each party both on innate assets, gifts, inheritance and assets acquired by each party during the marriage become a stressing point in minimizing the potential for disputes while at the same time providing legal certainty when disputes occur both during the divorce phase and the death phase of one of the parties
Risk Management Analysis of Future Package Financing (PMD) with a Murabaha Contract at PT. Bank BTPN Syariah Rantau Prapat Branch Office Elsa Hafe Eza Lubis; Maryam Batubara; Muhammad Arif
Quantitative Economics and Management Studies Vol. 4 No. 5 (2023)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.qems1919

Abstract

This study aims to analyze the risk management of the Future Package (PMD) financing with a Murabaha contract at PT. Bank BTPN Syariah Rantau Prapat Branch Office. PMD is one of the financing products offered by Islamic banks, and a Murabahah contract is one of the financing mechanisms in the Islamic banking system. The research method used is a case study with a qualitative approach. Data was collected through interviews with related parties at PT. Bank BTPN Syariah Rantau Prapat Branch Office and analysis of documents related to risk management. The results of the research show that PT. Bank BTPN Syariah Rantau Prapat Branch Office has implemented good risk management in PMD financing with a Murabahah contract. The identified risks, such as credit risk, liquidity risk, operational risk and market risk, have been properly managed through various policies and procedures that have been established. However, there are several challenges faced by banks in managing PMD financing risks with Murabaha contracts, such as market fluctuations and regulatory changes that affect the Islamic banking business. This research is expected to contribute to the development of PMD financing risk management with a Murabaha contract at PT. Bank BTPN Syariah and provide insights for other Islamic financial institutions in managing risk more effectively and efficiently.
TINJAUAN YURIDIS PUTUSAN MAHKAMAH KONSTITUSI NOMOR 106/PUU-XVIII/2020 TENTANG PENGGUNAAN NARKOTIKA UNTUK KEBUTUHAN MEDIS Muhammad Arif; Emilda Firdaus; Zainul Akmal
Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum Vol 10, No 2 (2023): Juli - Desember 2023
Publisher : Jurnal Online Mahasiswa (JOM) Bidang Ilmu Hukum

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Abstract

Whereas according to the Petitioners, the Elucidation of Article 6paragraph (1) letter a and Article 8 paragraph (1) of Law 35 of 2009 concerningNarcotics has resulted in the loss of the Petitioners' rights to obtain healthservices as stipulated in Article 28H paragraph (1) of the 1945 ConstitutionArticle 7 paragraph (1) Law Number 35 of 2009, Article 7 stipulates thatnarcotics can only be used for the benefit of health services and/or scientificdevelopment knowledge and technology. But in article 8 paragraph 1 of Lawnumber 35 of 2009.Regarding this research, it can be classified into the type of normativelegal research related to the Constitutional Court decision number 106/puu-xviii/2020. From the results of the research problem there are two main thingsthat can be concluded. First, there is a discrepancy or unconstitutionality becausethere is a difference in sound, so a review is needed. Because in Article 7 it isclear that for health it may be used by any group as long as it is still usedaccording to doctor's recommendations and according to Health Law number 36of 2009 concerning health.Second, the Constitutional Court should not at all close the loophole onthe use of Narcotics Category I, which not only cannabis can be used for thebenefit of health services. The Constitutional Court realizes that for the use ofNarcotics Category I for the benefit of health services it must be supported by thereadiness of facilities and infrastructure as well as supporting scientific evidence,so that the Government needs to start by conducting comprehensive studies andresearch.Key Words : Decision, Constitutional Court, Narcotics, Medical.
The Comparison of Financial Performance of Sharia Banks Registered in the Jakarta Islamic Index (JII) Using Fundamental Analysis Haidir Arianja; Marliyah Marliyah; Muhammad Arif
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i3.3924

Abstract

The purpose of this study was to determine the differences in financial performance among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah by using fundamental analysis of Earnings Per Share (EPS), Price to Earning Ratio (PER), Return on Equity (ROE), and Debt to Equity Ratio (DER). The research approach is quantitative. Data analysis techniques Normality Test, Homogeneity of Variance Test, Analysis of Variance Test (ANOVA), and Post Hoc Test. The results showed that the calculated F value of earnings per share was 2.437 while the f table value was 2.87, this means that f count f count (7.128) > f table (2.87) so it can be concluded that H0 is accepted which means there is no difference in Earnings Per Share among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The calculated F value of the Price to Earning Ratio is 8,935 while the f table value is 2.87, this means that f count (34,720) > f table (2.87) so it can be concluded that H0 is rejected, which means that there is a difference in Earnings Per Share among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The calculated F value of Return on Equity is 3.150 while the value of f table is 2.87, this means that f count (3.150) > f table (2.87) so it can be concluded that H0 is rejected which means that there is a difference in Return on Equity among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah, and Bank Bukopin Syariah. The F calculated Debt to Equity Ratio value is 3,330 while the f table value is 2.87, this means that f count (14,602) > f table (2.87) so it can be concluded that H0 is rejected which means there is a difference in Debt-to-Equity Ratio among Bank Panin Syariah, Bank Syariah Indonesia, Bank BTPN Syariah and Bank Bukopin Syariah.
Green Economy-Based Tourism Village Development Strategy in Denai Lama Village, Deli Serdang Ilham Habibi Lubis; Maryam Batubara; Muhammad Arif
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 3 (2023): Sharia Economic: November, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

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Abstract

This study aims to find out how the main priority strategy for the development of a Green Economy-based tourism village in Denai Lama Village, Deli Serdang, is by presenting the internal and external conditions that have been carried out so far. Then in addition, the researcher also explained some of the handling urgency that needs to be implemented so that the development of Green Economy-based tourist villages can be more focused. The method used is a qualitative method using SWOT analysis and QSPM. The number of respondents who filled out the questionnaire was 5 respondents from SMEs in the market and 5 respondents from experts. Based on the results of the SWOT analysis, the strategy quadrants obtained after being processed in the IFE and EFE matrices are in Quadrant I. This indicates that the strategy used is a progressive strategy. This strategy means that tourism villages have strengths and opportunities. Furthermore, in the QSPM analysis, the results show that the main priority strategy that must be carried out is to make the entertainment of native Indonesian art a characteristic of your market so that it attracts the attention of local and foreign tourists.
Education of Disaster Awareness through Disaster Readiness Socialization as an Effort to Increase Community Knowledge around the Nobita Hill Tourism Area on Disaster Mitigation Marzuki Marzuki; Mutya Vonnisa; Harmadi Harmadi; Dwi Pujiastuti; Arif Budiman; Dwi Puryanti; Sri Oktamuliani; Imam Taufiq; Meqorry Yusfi; Rahmat Rasyid; Astuti Astuti; Sri Handani; Sri Rahayu Alfitri Usna; Dian Fitriyani; Elvaswer Elvaswer; Muhammad Arif; Muhammad Kahfi; Naela Amalia Zulfa; Iqbal Ramadhan; Nurul Hasanah; Feriska Handayani Irka
Warta Pengabdian Andalas Vol 31 No 2 (2024)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LPPM) Universitas Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/jwa.31.2.353-361.2024

Abstract

Nobita Hill, a tourist site in Padang City, is undergoing development as a tourist destination that offers a bird's-eye view of Padang City. Unfortunately, the hilly topography with steep slopes increases the risk of landslides in this area. In order to address the problem, the community service team from the Physics Department of Andalas University has carried out a six-month community service program from July to December 2022. It focused on disaster awareness education and used a qualitative approach. This activity aims to socialize disaster mitigation efforts, especially those related to landslides and earthquakes, considering that Padang City is also prone to earthquakes. The results of this activity showed an increase in the knowledge of the local community after the socialization, but repeated activities are needed to achieve optimal results. This ongoing activity is essential to ensure continuous improvement in the community's understanding of disaster mitigation and to support efforts to make Bukit Nobita a disaster-resilient area. Thus, this activity makes a positive contribution to shaping a safe, sustainable, and disaster-resilient tourism environment.
Analisis Kinerja Keuangan Pajak Daerah Berdasarkan Metode Value For Money Pada Badan Pengelola Pajak Dan Retribusi Daerah Kota Medan Tahun 2016-2020 Rizky Nurul Huda; Muhammad Arif; Kusmilawaty Kusmilawaty
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 1 No. 4 (2023): October : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v1i4.710

Abstract

The background of this research is that tax collection is less than optimal by government agencies and the low revenue from parking fees is still low, even though parking fees are a potential tax sector if the government continues to maximize its collection. This is what causes a decrease in revenue because revenue targets are not realized properly. The aim of this research is to find out the condition of local tax financial performance as measured using the value for money method through economic ratios, efficiency ratios, and effectiveness ratios. The research was conducted at the Medan City Regional Tax and Retribution Management Agency. And using a qualitative descriptive approach, with data collection techniques, namely interviews and documentation, and the data analysis technique used is descriptive analysis. The results in this study indicate that the measurement of the Economic Ratio is in the Less Economical criteria by obtaining an average value of 72.62%, this shows that the Medan City BPPRD cannot carry out cost management in an economical way. The measurement of the Efficiency Ratio is in the Very Efficient criteria with an average of 9.16% obtained, these results show that the financial performance of the Medan City BPPRD is very efficient. The measurement of the Effectiveness Ratio is in the Very Effective criteria by obtaining an average value of 110.33%. This shows that the Medan City BPPRD has succeeded in managing its performance.
Analisis Sistem Pengendalian Internal Persediaan Barang Dagang Menggunakan The Committee Of Sponsoring Organization Of Treadway Commission (COSO) Pada Distributor Sparepart Kendaraan Bermotor Oriens Jaya Medan Salsabilla Febriani; Muhammad Arif; Nurwani Nurwani
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 2 No. 1 (2024): January : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v2i1.996

Abstract

This research aims to determine the internal control system for merchandise inventory in the company and the internal control system for merchandise inventory using COSO as well as the obstacles faced in the internal control system for merchandise inventory. This research uses a qualitative method with a descriptive approach, with data collection techniques through interviews, observation and documentation. The data sources for this research are primary data and secondary data. The research results obtained from this research are: firstly, the internal control system for merchandise inventory at the Oriens Jaya Medan Motor Vehicle Spare Parts Distributor is implemented based on established procedures, secondly, the internal control system for merchandise inventory uses COSO from 5 (five) components which have 17 ( seventeen) the principles contained in all of these principles have been answered but there are some that do not yet exist in the company including code of ethics and ethical standards, officially written organizational structure, does not have an audit committee, does not have CCTV, does not set strict sanctions , and there was no bar code scanning device, and the third problem faced was human error which resulted in inventory differences and delays in sending goods by expeditions, damage to goods due to expeditions and customers (shops) taking a long time to send returned goods.
Co-Authors - Soeratno Achmad Ja’far Sodik Ade Tri Rahmadani Aditya Faziawan Azhar Afandi, Syed Agung Aftab Ali Agustina Abdullah Ahmad Nuruddin Akhmad Zulkifli Aldasari, Tita Aldasari Aldo Yuliano Alexander Syam, Alexander Am, Andri Nofiar Amili, Fadel Ananda Putri Mawaddah Andi Hasbi Andi Nilalowati Andrye Fernandes Angelina Sipayung Anggia Sari Lubis, Anggia Sari anhar, ziqhri Anisa Niwanda Anisa Prihatini Annisa Fajaria Anny Victor Purba Ansy, Dayat April Laksana Aqwa Naser Daulay Ardiansyah Ari Zaqi Al-Faritsy Arie Sulistyoko Arnida Wahyuni Lubis Arya Jalu Kuranto Aryati Arfah Asadullah Asadullah Asep Purwo Yudi Utomo Astri Hardina Amelia Astuti Astuti Aulia Dini Ayuningtias Aulia Khairani Ayaz Ahmed Soomro Ayu Rahmawati Ayu Ratna Wulandari Ayu Wulan Dari Azmi Bangkit Habiburrohman Batubara, Bunga Anggita Bayu Syahoutra Budi Yanto, Budi Budiman Mahmud Mustofa Burhanuddin AK. Mantau Chain, Jippo Chuzaimah Batubara Dani Rosdiana Daniswara Agung Pramana Darul Ilmi Darwin Agung Septian Miolo Dea Aulia, Mifta Dea, Dea Prameswari Dede Fadhillah dede yochi Def Primal Dela Setia Delmira Syafrini Delon Sitompul Deny Danar Rahayu Derita Ramai Durubanua Devikasari A.H Datau Dewi Sartika Silalahi Dian M. Nasution Dinda Andriani Marpaung Dwi Duta Mahardewantoro Dwi Pujiastuti Dwi Puryanti Dwi Sukmanila Sayska Dzuriati’ A Yuni Aceh Eka Rahmayani El Roy Gulo Elfayetti Elfayetti Elfera Febrianti Elok Rufaiqoh Elsa Hafe Eza Lubis Elsa Kardian Elsa Kardiana Elvaswer Elvaswer Emilda Firdaus ENDRI ENDRI Eni Setyowati Erika Kristina Pasaribu Ester Y.F Simamora Etik Winarni Fadli Nurfajar Fahmi, Muhammad Faisal Haitomi Faizatun Faizatun Falerisiska Yenere Fanisa Dwi Cahyani Farhan Lubis Fatimah Azzahra Fauzan Zulfikar Fefri Indra Arza Feriska Handayani Irka, Feriska Handayani Finta Aramita Firdaus Firman Darussalam Fitra Delita Fitratul Wahyuni Fyrdha Faradyba Hamzah Gina Maulida Ndraha H. U. Abdul Azis Habib Bachtiar Hafizah Ismayati Haidir Arianja Hamsiati Hanim Inayati Harahap, Muhammad Ikhsan Hario Tamtomo Harmadi Harmadi Hasanah Nur Ani Hasnan afif Hasyrani Windyatri Herdi Herdi Herry Wahyudi Hidayat, Vabella Maharani Hotdame Martina Sitanggang Ikhsan Adi Prayogo Ikhsan Fitriansyah Ilham Habibi Lubis Ilham Tri Wardana Ilyasa, Fahri Imam Taufiq Indah, Indah Kurniawati Indra Prastya Iqbal Ramadhan Ira Afriani Irma Nuryani Inaku Irma Yunita Irwan Syari Tanjung Isnainiyah Iswantir M Ivan Rivaldo Jannah, Nurul Jernih Margaretha Siahaan Juliana Nasution Junaidi Junaidi Kelvin Ramadhan Khairil Juliana Khairina Maulida Paramitha Khairun Nisa Khairunnisah Khairunnisah Kinanti Putri Bestari Kurnia Sandi Panjaitan Kusmilawaty Kusmilawaty Laiyinna Misqha Efendi Lathifah Rabbaniyah Laylan Syafina lestari, Suci Shinta Lisa Tri Febriani Lisdayani Lisdayani Lisdayani Lisdayani, Lisdayani M Fajar Anugerah M Taufik Rahmadi M. Hadi M. Risa Mahesa Hendra Yoga Maria Joito Gultom Mario Sandro Mariza Elvira Marliyah Maryam Batubara Maryam Batubara Marzuki Marzuki Maulidiyah IH MaulidSitti Retno Faridatussalam Mawaddah Irham Meqorry Yusfi Mhd Zulkifli Hasibuan Miftakhul Azizah Mufti Hasan Alfani Muhamad Suhendra Muhammad Adri Farqan Muhammad Akbar Al-Ghifari Barus Muhammad Alfi Harahap Muhammad Alqodri Pratama Muhammad David Hendra Muhammad Hanif Ahda Muhammad Kahfi Muhammad Lathief Ilhamy Nasution Muhammad Purnomo Muhammad Ridwan Nur Hidayat Muhammad Rizal Abdul Aziz Muhammad Saad Muhammad Taufik Lesmana Muhammad Zaky Shafwan Abdurrahman Muhammad, Samsuddin Mujahid Damopoli Muniruddin Muniruddin Murni Asliyana Muslim Afandi Mutiara Lubis Mutya Vonnisa N. Oneng Nurul Bariyah Nabila Minhatusaniyah Nadia Ika Purnama Naela Amalia Zulfa Nafisah Azzharoh Nasution Naheed Akhtar Naik Parsaulian Najamuddin Petta Solong Natalia Fansiska Naufal Fawwazi Nawwar Irfan Neneng Ratnasari Nila nahfira Nining Silvia Suni Noor Khoni'ah Noveri Rahmawati Novi Angelica Novtafia Endri Nur Arifa Hasanah Nur Azmi Nurbaya Ambo, Sitti Nurhayati Nuri Aslami Nursyafni Nurul Ainiy Nurul Ilmi Nurul Rafiqoh Lubis Nurvelly Rosanti Nurwani Nurwani Nurwani Oneng Nurul Bariyah Orra Venta Ramdhany Harahap Poppy Meilina Pramio G. Sembiring Prima Danu Astri Susanti Putra, Iwan Eka Putri Adila Putri Amanda Putri Indriyanti Putri Rahmadani Putri Roito Lumbantobing Putri Utami Rahmalisa Oktadila Rahman Ali Nasution Rahman Ullah Rahman, Muhammad Iqbal Rahmat Daim Harahap Rahmat Rasyid Raja Sultan Ramadani Ramadhani Fahmi Regita Asiah Azzarah Reni Ria Armayani Hasibuan Retno Sri Rindi Yani Retno Wulan Ndari Rian Federico Rian Federico Ginting Riana Rika Rohmatin Ridho Amalan Saufi Rifqi Baihaqi Sabhan Ririn Anjani Rangkuti Riska Wulandari Sitorus Risma Ayu Istiqomah Rizkiyadi Rizky Nurul Huda Rohani Rohani Rosni Rosni Rosni Rosni Roy Eka Telaumbanua Rubby Ramadhani Ruly Habibah Al Ihsani Ryan Pramana Safran Safran Sahnan Rangkuti Salim Basalamah Salman Farisi Salsabilla Febriani Samsuddin Siregar Santi Widiasari Selfi Septiani Shika Andari Shinta Maghfirah Shofiya Hanifah Silvana Bayu Silvia Retri Aldona Tampubolon Sinta Dewi Purwanti Siti Maesaroh Bina Satya Pertiwi Siti Nurdjanah Siti Sovia Aprilia Soepatini Solly Aryza Sri Handani Sri Oktamuliani Sri Restuti Steven Parningotan Pardede Suandro Mangihut Manik Suci Fadhilah R. Lubis Sudi Fahmi Sugiharto Sugiharto Suhendra Suryana Daulay Sutaman Syahfitri, Mulia Syahriadi Kadir Syuja Ardyansyach Tasya Maria Natalia Pangaribuan Taufik Maulana Tengku Chairrani Tivany Ramadhani Toni Hidayat Tulus B. Sitorus Tuti Anggraini Umer Zada umi faridah Usna, Sri Rahayu Alfitri Uswatun Hasanah Lubis Veithzal Rivai Zainal Veni Vina Aulia Vinny Natasya Hura Wahdatun Thoibah Warhamna Syahri Wartono Widya Sari Winda Sari Panjaitan Winnugroho Wiratman, Manfaluthy Hakim, Tiara Aninditha, Aru W. Sudoyo, Joedo Prihartono Wulandari, Tri Ayu Yanti Ernalia Yenni Samri Juliati Nst Yenti Anita Harahap Yessi Andriani Yudistira Abdi Yunilawati Patrisa Panjaitan Yurdan Sihotang Yusriyyah Adibah Zahid Hussain Zainul Akmal Zuhrani Zukya Rona Islami