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Challenges Faced by Islamic Higher Education Students in English Writing Classes: A Qualitative Approach Amrizal, Amrizal; Setiawan, Anjar
Journal Corner of Education, Linguistics, and Literature Vol. 5 No. 001 (2025): Special Issues
Publisher : CV. Tripe Konsultan

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

Abstract

This study looks at the challenges university students face in English writing classes at STAIN Mandailing Natal, Indonesia, using a qualitative approach. Writing is often seen as one of the hardest skills in English as a Foreign Language (EFL), especially at the university level, where students must produce academic texts. Although English academic writing is becoming more important in higher education, there has been little qualitative research on students’ writing challenges in Indonesian Islamic universities, particularly in regional areas.This study employed a descriptive qualitative design and included undergraduate students enrolled in English writing courses at STAIN Mandailing Natal. Data were collected through semi-structured interviews and students’ reflections on their writing experiences. Thematic analysis was used to find common patterns in students’ writing difficulties and their views on teaching practices.The findings reveal four major themes of challenges: linguistic challenges, cognitive and rhetorical challenges, affective challenges, and instructional challenges. Students reported difficulties in grammar usage, limited vocabulary, and sentence construction. They also struggled with organizing ideas, developing arguments, and maintaining coherence in academic writing. Affective factors such as writing anxiety, low confidence, and fear of making mistakes further hindered students’ engagement. In addition, students perceived that instructional practices and feedback were often insufficient to support their writing development. The study concludes that English writing challenges among Indonesian EFL university students are multidimensional and context-dependent. The findings suggest the need for more student-centered, process-oriented, and context-sensitive writing instruction. This study contributes to the EFL writing literature by providing empirical insights from an under-researched Islamic higher education context in Indonesia.
Analysis of the Influence of Financial Technology, Internal Performance, Macroeconomic Factors on Profitability of Islamic Banks In Indonesia Nurjanah, Nunung; Amrizal, Amrizal
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.14178

Abstract

This study aims to analyze the profitability of Islamic Banks in Indonesia by considering internal performance factors, macroeconomic factors, and the influence of financial technology. Profitability is a crucial indicator in evaluating the financial performance of banks and maintaining their operational viability in a competitive market. This study uses a quantitative approach with secondary data from the financial statements of 10 Islamic Banks in Indonesia over a certain period (10 years). Internal performance variables that are the focus of the study include traditional profitability ratios such as Return of Assets (ROA) and Return on Equity (ROE), as well as factors such as NPF (Non-Performing Financing). In addition, macroeconomic factors such as interest rates, national economic growth, and inflation, are also considered in this analysis. The results showed that partially the variables FDR (X1), INFLATION (X5), INTEREST (X6), INTEREST RATE (X7), GDP (X8), FINTECH (X9) had no effect on ROA (Y). However, the variables BOPO (X2), DPK (X3) and SIZE (X4) have an effect on ROA (Y), where the value obtained based on the probability is 0.0000 (X2), 0.0153 (X3) and 0.0548 (X4). However, when viewed simultaneously, the Independent variables jointly affect the dependent variable.
Analisis Dampak AI terhadap Model Bisnis Keuangan Syariah: Pendekatan Teknologi Informasi dan Etika Amrizal, Amrizal; Fitriansyah, Reza; Herlini, Herlini
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 7 No. 3 (2026): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v7i3.11136

Abstract

The rapid evolution of information technology, particularly artificial intelligence (AI), has substantially transformed diverse sectors, including Islamic finance. This study aims to explore the impact of AI on Islamic finance business models, focusing on the interplay of technological integration and ethical considerations. Despite being in the early stages of technological adoption, AI demonstrates potential to enhance operational efficiency, minimize human error, and improve customer experiences. Data reveals that the global Islamic finance market reached USD 2.88 trillion in 2021; however, challenges persist in the integration of modern technologies. Employing qualitative research methods, in-depth interviews were conducted with 30 stakeholders in the Islamic finance sector to gather insights into the implications of AI. Findings indicate that AI can bolster risk analysis, personalize service offerings, and ensure compliance with Sharia principles, while raising important ethical and privacy concerns. This research contributes to a deeper understanding of how AI can reinforce Islamic finance business models in the digital age.
PKM Peningkatan Kemandirian Umkm Melalui Penggunaan Aplikasi Penyusunan Laporan Keuangan Pada Usaha Waroeng Cemilan Amimi Hasibuan, Raya; Desfrida, Mardelia; Nofianna, Siti Asnida; Amrizal, Amrizal
Amaliah: Jurnal Pengabdian Kepada Masyarakat Vol 8 No 1 (2024): Amaliah: Jurnal Pengabdian Kepada Masyarakat
Publisher : LPPI UMN AL WASHLIYAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/ajpkm.v8i1.2883

Abstract

The general purpose of implementing this activity is as a form of higher education tri dharma activities which are carried out every year using DIPA Polmed funds. While the special objective is to improve the ability of MSMEs in the business world and participate in efforts to develop regional economic capacity. PKM activities have been carried out at the Waroeng Cemilan Amimi Business. Community Partnership Service (PkM) activities are carried out with a focus on the development of MSMEs called Waroeng Cemilan Amimi. Through the implementation of PKM, assistance is carried out to increase the understanding of business owners related to making simple financial statements to support their business continuity. In addition, in response to the impact of the COVID-19 pandemic on the business, assistance was provided in the form of chest freezers and electric ovens to increase efficiency and product diversification. The results of this PkM activity show an increase in the understanding of Waroeng Cemilan Amimi owners in preparing financial statements, so that they are able to manage their business better. The provision of additional equipment such as chest freezers and ovens has helped in expanding production as well as increasing product competitiveness. Thus, this PKM activity has succeeded in making a positive contribution to the sustainability and development of local MSMEs, in line with efforts to support microeconomic recovery during the pandemic. Keywords: Waroeng amimi snacks, financial management, MSME production
Digital Technology-Based Education Transformation in The Capital of The Archipelago Amrizal, Amrizal; Setiawan, Andi; Wijayanti, Dian; Setiadi, Alpian; Rukma, Andi Satriani Nanda; Hikma, Muqtaridatul
JEMBA: Jurnal Ekonomi Pembangunan, Manajemen & Bisnis, Akuntansi Vol. 6 No. 1 (2026): JEMBA : Jurnal Ekonomi Pembangunan, Manajemen dan Bisnis, Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Palangka Raya (UPR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52300/jemba.v6i1.22761

Abstract

The rapid advancement of digital technology has significantly transformed various sectors, including education, requiring adaptive and innovative approaches to learning systems. This study aims to analyze the transformation of digital technology-based education in the Indonesian Capital City (IKN) and to examine the readiness of the community to adapt to such transformation. Using a qualitative approach with a literature review method, this research synthesizes findings from relevant academic sources, policy documents, and previous studies related to digital education, smart city development, and human resource readiness. The results indicate that the transformation of education in IKN is closely linked to the integration of digital infrastructure, such as e-learning platforms and hybrid learning systems, which enhance accessibility, flexibility, and learning effectiveness. Furthermore, the implementation of digital education supports the broader vision of IKN as a smart city by fostering a digitally literate and innovation-oriented society. However, several challenges remain, including unequal access to digital infrastructure, varying levels of digital literacy, and limited institutional readiness. These challenges highlight the importance of comprehensive strategies that integrate technological development with human resource capacity building. The study also finds that community readiness plays a crucial role in determining the success of digital education transformation, as it influences the adoption and sustainability of technology-based learning. Therefore, the government and educational institutions must prioritize digital literacy programs, infrastructure development, and inclusive policies to ensure equitable access to education. This research contributes to the existing literature by providing a comprehensive analysis of digital education transformation within the context of a newly developed capital city and offers practical implications for policymakers and stakeholders in designing sustainable and inclusive education systems in the digital era
Analisis Kebijakan Pemerintah terhadap Pemenuhan Hak atas Pendidikan di Tengah Prioritas Anggaran Program Makan Bergizi Gratis Amrizal, Amrizal; Asiah, Asiah; Sopian, Sopian
Jurnal Pendidikan dan Kebudayaan (JURDIKBUD) Vol. 6 No. 1 (2026): Maret : Jurnal Pendidikan dan Kebudayaan (JURDIKBUD)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurdikbud.v6i1.11045

Abstract

This study analyzes government policy regarding the allocation of education budgets for the Free Nutritious Meal (MBG) Program and its implications for fulfilling the right to education in Indonesia. The MBG program is a cross-sectoral policy aimed at improving students’ health and learning readiness, but its inclusion in the education budget raises questions about the prioritization of public funds in line with constitutional mandates. This research uses a normative legal method with statutory and conceptual approaches, analyzing regulations, doctrines, and academic literature related to the right to education, public policy, and education budgeting. The findings indicate that the MBG program positively supports the learning process; however, education budget management must remain focused on the core needs of the national education system, including improving teacher quality, facilities, and learning outcomes. Therefore, integrating human development programs through MBG should be implemented proportionally to remain consistent with constitutional mandates and ensure the fulfillment of the right to education for all citizens.
Analisis Kebijakan Pemerintah terhadap Pemenuhan Hak atas Pendidikan di Tengah Prioritas Anggaran Program Makan Bergizi Gratis Amrizal, Amrizal; Asiah, Asiah; Sopian, Sopian
Jurnal Pendidikan dan Kebudayaan (JURDIKBUD) Vol. 6 No. 1 (2026): Maret : Jurnal Pendidikan dan Kebudayaan (JURDIKBUD)
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurdikbud.v6i1.11045

Abstract

This study analyzes government policy regarding the allocation of education budgets for the Free Nutritious Meal (MBG) Program and its implications for fulfilling the right to education in Indonesia. The MBG program is a cross-sectoral policy aimed at improving students’ health and learning readiness, but its inclusion in the education budget raises questions about the prioritization of public funds in line with constitutional mandates. This research uses a normative legal method with statutory and conceptual approaches, analyzing regulations, doctrines, and academic literature related to the right to education, public policy, and education budgeting. The findings indicate that the MBG program positively supports the learning process; however, education budget management must remain focused on the core needs of the national education system, including improving teacher quality, facilities, and learning outcomes. Therefore, integrating human development programs through MBG should be implemented proportionally to remain consistent with constitutional mandates and ensure the fulfillment of the right to education for all citizens.
Analisis Kebijakan Amnesti Pajak dan Program Pengungkapan Sukarela Perspektif Maqashid Syariah Setiawan, Aris; Amrizal, Amrizal
Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Vol. 7 No. 12 (2025): Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/alkharaj.v7i12.9914

Abstract

The main objective of this study is to evaluate the tax amnesty policy and voluntary disclosure program in the context of the principles of Maqashid Syariah, which include the protection of religion, life, mind, descendants, and property. The tax amnesty policy in Indonesia, introduced in 2016, managed to collect IDR 147 trillion from 1.1 million taxpayers, demonstrating the potential of this policy in improving tax compliance. However, challenges such as lack of public understanding and negative stigma towards taxes still need to be addressed. Voluntary disclosure programs have also shown mixed results, with the need to increase participation through better education. This study concludes that in order to achieve the objectives of maqashid syariah, this policy must be implemented with transparency, accountability, and social justice, so that it can provide significant benefits to society and the state. Recommendations to improve the effectiveness of this policy include better socialization, a strict monitoring system, and allocation of funds raised for social programs.
Analisis Faktor-faktor Determinasi Jasa Layanan Pembiayaan Syariah Pada LPDB Amrizal, Amrizal; Siddiq, Abu Bakar
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i12.9828

Abstract

This research aims to analyze the factors determining services at Revolving Fund Management Institutions. The research uses secondary data in the form of time series data. The data analysis method used in this research is multiple linear regression analysis. This model is used to explain the relationship and influence of independent variables on the dependent variable using eviews 12. Multiple linear regression analysis in this research is used to determine the influence of Operational Cost Levels, People's Purchasing Power (Inflation), Principles of Justice and Properity (Business Sector), and Fair Competition (Tariffs for Similar Industry Services) on the determination of services at Revolving Fund Management Institutions for the 2020-2023 period. Based on the research results, it was found that only the business sector influences the determination of service rates for financing at Revolving Fund Management Institutions. Meanwhile, the variables Operational Costs, inflation and similar service rates do not have a significant influence in determining the service rates applied. This shows that Revolving Fund Management Institutions are more focused on providing services by paying attention to the business sector in determining service rates. The business sector consideration is a form of justice and propriety, where businesses run by the community vary according to business scale, turnover and income/profits.
Peran Auditor Internal dalam Meningkatkan Kualitas Laporan Keuangan di LAZ Mizan Amanah Rohman, Dadan; Amrizal, Amrizal; Gusneli, Dea
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 12 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i12.9959

Abstract

This study aims to analyze the role of internal auditors in improving the quality of financial reports at the Mizan Amanah Zakat Institution (LAZ). The research method used is a descriptive qualitative approach with data collection techniques through in-depth interviews, observation, and documentation studies. Research informants consisted of internal auditors, financial management, and the leadership of LAZ Mizan Amanah. Data analysis was carried out using triangulation techniques to ensure the validity and reliability of the research results. The results of the study indicate that internal auditors at LAZ Mizan Amanah have a strategic role in improving the quality of financial reports through several aspects: (1) Conducting periodic reviews and evaluations of internal control systems; (2) Ensuring compliance with sharia accounting standards and applicable regulations; (3) Providing recommendations for improvements to system weaknesses found; (4) Monitoring the implementation of consistent accounting policies; and (5) Acting as an early warning system to prevent material errors in financial reports. Internal auditors have a vital role in improving the quality of LAZ Mizan Amanah's financial reports through effective monitoring, evaluation, and consultation functions. This study recommends the need to strengthen the capacity of internal auditors, increase the independence of the internal audit function, and develop an integrated accounting information system to support the preparation of higher quality financial reports.
Co-Authors AA Sudharmawan, AA Abda Abda Ade Putra Afrizal, Ardi Agus Firmansyah Ahmad Riadi Ahmad Syuhada Ahmad Yonanda Ahmad Yonanda Alfiani Alfiani, Alfiani Alfiani, Prika Almuna Waro, Tri Amaliyah, Amaliyah Amelia, Amie Amrul Amrul Andi Setiawan Andiza, Reno Try Angga Darma Prabowo Anggraini, Ratu Anita Putri, Anita Ansori , Ansori ansori ansori Aoyama, Tosyiko Aris Setiawan Arwin Juli Rakhmadi Aryeni Aryeni, Aryeni Asiah Asiah Asmidar Asmidar Avrilliana, Rayya Ade awi, masni awi Aziz, Qithfirul Bagus Riyono Bahrun Bahrun Buana, Mohamad Torik Langlang Budiman Budiman Butarbutar, Frans Tomy Cabiles, Roldan C. Canrhas, Amril Chanafiah, Yayah Chandra Chandra Chatarina Umbul Wahyuni Choiruddin, Choiruddin Dahranawati, Rina Dali, Nuradli Ridzwan Shah Mohd Damayanti, Elok Damayanti, Wulan Aprilia Dani Dani Dani Setiawan, Priantoro Kartika Dani, Rian Darmansah, Darmansah Daulay, Desya Indah Marwiyah Davical Latuperissa, Dandy Defrian, Angga Desfrida, Mardelia Deswani Panggabean, Deswani Dewi Amaliah Nafiati Dewi Apriyani, Sukma Dewi, RD. D. Lokita Pramesti Dian Candra Prasetyanti, Dian Candra Dian Wijayanti Dinnie Ananda Rizky Dipati, Angga Dodi Mulyadi Domikeos, Mahena Efendi, Ashari Eko Tama Putra Saratian Elidar Sari Elisa, Erlin Ely Djulia Emi Agustina, Emi Euis Saribanon, Euis Fachrizal Ambia Fadli Fadli Farida Fattah, Farida Faridah, Farah Fatahillah, Fatahillah Fatimah, Wiwin Fazlimi, Fazlimi Febriamto, Adi Febrian, Wenny Desty Feronia, Orenda Olympia Ginting, Agus Gugat, Rudy Max Damara Gultom, Selfi Afriani Gumelar, R Tommy Gusneli, Dea Gusri Akhyar Ibrahim Haki, Wildan Afifah Hakim, Naufal Halim Simatupang Halim, Abd Haq, Chairul Haqq, Muhammad Faliyyul Harahap, Holijah Hardi, Rulli HARIYANTO, MASHUDI Harman, Rika Harmen, Harmen Harun Harun Hasibuan, Beni Saputra Hasibuan, Raya Hasibuan, Winda Sri Aton Hasruddin Hayati, Izzah Heriyadi, Dedi Herlini, Herlini Hermalinda, Indah Hiasa, Fina Hierdawati, Trie Hierdawaty, Trie Hikma, Muqtaridatul Hubbul Wathan Irmanelly, Irmanelly Irnawan, Roni Ismail Ismail Iwan Setiadi Jafril Khalil Jamaluddin Jamaluddin Jaya, Indar Julianto Julianto Juni S Br Tarigan, Pagit Junidy, Muhammad Raihan Kasful Anwar Khomarudin, Agus Nur Kristi Agust, Kristi Kurniasih, Endah Tri Kurniawan, Dondi Kusumadi Laia, Katarina Lailasari Ekaningsih Leksono, Poniran Yudho Lesfatia, Engi Lestari, Mira Nur Indah Liem, calven Lubis, Bustanuddin M. Dyan Susila M. Haviz Manik, Nurammah Mansur, Achmad Marel Lisa, Putri Dian Marlinda, Widya Antika Martinus, Martinus Maulana, M. Faisal Mawadda, Iga Michael Michael Mira Rangkuty, Sailana Mizanuddin Sitompul Mufti Sudibyo, Mufti Mughni Sulubara, Seri Muhajir Muhajir, Muhajir Muhamad Sapta Riyaldi, Muhamad Sapta Muhammad Afif Muhammad Irsyad Muhammad Kharis Fadillah Muhammad Qorib Muhammad, Jefano Riezki Mukhaer Pakkanna Mukhlis Mukhlis Muksalmina Muksalmina Munandar, Asep Nurimam Nafri Yanti Nasution, Fanny Fatia Neni Hendaryati Nofianna, Siti Asnida Nofriadi Nofriadi Nopriadi Nopriadi NUGRAHANI, MEIGA Nunung Nurjanah Nuraizah, Andi Siti Nurhairani Nurhairani, Nurhairani Nurhidayat, Bella Rahma Nurul Khasanah, Nurul Oktaviani, Tetra Pahmi Pahmi Pasaribu, Eni Debora Perdana Putera, Perdana Pitri Yandri Pramono, Egi Prasetyo, Muhammad Dody Pratama, Raihan Ade Prayugo, Prayugo Pryla Rochmahwati Purba, Leo Jhon Sinar Putra, Andika R Putri, Mas Fierna Putri, Mega Sobri Putri, Sintia Putri, Wirdatun Nafiah Qadafi, Muamar Rabby Nazli Radiman, Radiman Rahmat Fauzi Rahmawati, Miftah Sigit Rahmi, Mutia Ramadani. H, Rizka Salsabila Ramadi Ramadi, Ramadi Rangkuty, Sailana Mira Rantaujaya, Agus Reschiwati, Reschiwati Restiana, Dwi Reza Fitriansyah Reza, Reza Fitriansyah Riahdo Akim Sitio Riana Eka Budiastuti, Riana Eka Ricky Bakara Rina Novita Riszal, Akhmad Riszal, Akmad Rizal Mukra Rohman, Dadan Romy Aulia Rosiana, Arriza Avi Rosiska, Evan Rukma, Andi Satriani Nanda Rusman Rusman Sabyan, Muhammad Safari, Arief Safrizal Safrizal Sahrani, Khairi Saiful Anwar Salomo Lumban Tobing, Ruben Alpha Salsabillah, Angelia E. Samiran, Samiran Sapriandi, Sapriandi Saputra, Andra Sara, Rineke Saragih, Darman Ferianto Sari, Mita Puspita Sarwono, Sarwit Sawati, Sawati Sawitry, Maryanti Sayahdin, Sayahdin Sembiring, Tamaulina Br. Septiana, Nurlaila Winda Setiadi, Alpian Setiawati, Yasinta Dewi Shohenudin, Shohenudin Siddiq, Abu Bakar Sigit Apriyanto Silviana, Vina Ayu Silvy Cinthia Adelia Sinaga, Jorfri Boyke Siska Siska Siswahyudianto Sitanggang, Rohana Siti Munawaro, Siti Siwi, Utari Rachma Solihin Solihin Sopian sopian Steven Tan, Steven Subuh Tugiono, Subuh Suci Rahmawati, Suci Sucipto, Annisa Widya Sukatin, Sukatin Sukmawati, Fitri Dini Supadi Supadi Surya Kusuma Wardana Syamsiar, Syamsiar Syukriadi, Syukriadi Tajudin Tajudin Talis, Novrida Tari, Najwa Rahmanda Tarigan, Sumatera Tauratiya, Tauratiya Thani, Shira Tiur Merry Bunga Silalahi, Tiur Merry Bunga Tukino, Tukino Umiati, Titik vallerin, anggie Wiarta, Iqra Widia Sri Ardias Wijatiningsih, Testiana Deni WIJAYA WIJAYA, WIJAYA Wijayatiningsih, Testina Deni Willy, Willy Winar, Sri Wiwik Handayani Yanti Budiasih, Yanti Yapari, Denny Yulian, Aji Muhammad Yulius Rief Alkhaly Yusnidar Yusnidar Yusrizal Yusrizal Zahra, Laila Thursina Zailani Zailani Zainal Abidin Zainuddin, Zulfa Zebua, Oswald Motani Zohri Hamdani, Zohri Zulfakri Zulfikar, Gilang