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All Journal Jurnal Paradigma Ekonomika Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura I-ECONOMICS: A Research Journal on Islamic Economics Journal of Business Management Education (JBME) Jurnal Ilmiah Ekonomi Islam Tadbir : Jurnal Studi Manajemen Pendidikan Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam SEIKO : Journal of Management & Business Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Jurnal Hukum Ekonomi Syariah NISBAH: JURNAL PERBANKAN SYARIAH Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies GEMA EKONOMI JEMPER (Jurnal Ekonomi Manajemen Perbankan) Jurnal Tabarru': Islamic Banking and Finance JESI (Jurnal Ekonomi Syariah Indonesia) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Review Pendidikan dan Pengajaran (JRPP) SULTANIST: Jurnal Manajemen dan Keuangan JURNAL EKSBIS International Journal of Economics, Business and Accounting Research (IJEBAR) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Socius: Journal of Sociology Research and Education Dinasti International Journal of Education Management and Social Science Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Ilomata International Journal of Management RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Academia Open LEGAL BRIEF Accounting and Business Journal Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Quantitative Economics and Management Studies Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) Economics, Business and Management Science Journal Golden Ratio of Marketing and Applied Psychology of Business Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Journal of Student Development Informatics Management (JoSDIM) Islamiconomic: Jurnal Ekonomi Islam Studi Akuntansi, Keuangan, dan Manajemen Jurnal Ilmiah Mahasiswa Raushan Fikr Media Ekonomi JRAP (Jurnal Riset Akuntansi dan Perpajakan) IDARAH : Jurnal Pendidikan dan Kependidikan Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research J-ISACC : Journal of Islamic Accounting Competency Amkop Management Accounting Review (AMAR) Jurnal Akuntansi Manado (JAIM) e-Jurnal Apresiasi Ekonomi Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties Journal of Management, Economic, and Accounting International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Jurnal REP (Riset Ekonomi Pembangunan) IIJSE Majapahit Journal of Islamic Finance dan Management Jurnal Akuntansi dan Keuangan Islam (JAKIs) Majapahit Journal of Islamic Finance dan Management Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Indonesian Journal of Humanities and Social Sciences Landraad Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran As-Syirkah: Islamic Economic & Financial Journal
Tuti Anggraini
Technology of Agricultural Product Faculty Agriculture Technology Kampus Limau Manis Andalas University, 25163 Padang West Sumatra Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Veterinary Other

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Murabahah Financing, Interest Rates, Inflation, and Margin Income of Islamic Banks: Pembiayaan Murabahah, Suku Bunga, Inflasi, dan Pendapatan Margin Bank Syariah Wijaya, Rio; Anggraini, Tuti; Indra, Ahmad Perdana
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11803

Abstract

Background (General): Islamic banks play a crucial role in Indonesia’s financial system, with murabahah financing serving as a primary income source. Background (Specific): While murabahah margins are fixed and independent of interest rate fluctuations, macroeconomic variables such as interest rates and inflation may still indirectly affect bank profitability. Knowledge Gap: Previous studies largely focused on annual pre-pandemic data, overlooking quarterly dynamics during the post-pandemic period, when monetary and market conditions changed significantly. Aim: This study examines the effects of murabahah financing, interest rates, and inflation on murabahah margin income in Indonesian Islamic banks during 2020–2024 using quarterly data. Results: Multiple regression analysis of 30 observations from six banks shows murabahah financing has a significant positive effect on margin income, whereas interest rates and inflation show no significant individual impact. Jointly, all three variables significantly influence margin income. Novelty: The research introduces a post-pandemic, quarterly dataset and simultaneously tests three key financial and macroeconomic variables in the murabahah context. Implications: Findings affirm the strategic importance of murabahah financing as a stable revenue driver, suggesting Islamic banks should prioritize financing expansion and operational efficiency over short-term macroeconomic fluctuations when formulating pricing and portfolio strategies.Highlight : Murabahah financing has a significant positive effect on margin income. Interest rates and inflation have no partial effect. All three variables have a simultaneous significant effect. Keywords : Murabahah Financing; Interest Rates; Inflation; Murabahah Margin Income; Islamic Banks
The Influence of Cross Selling and Up Selling in Increasing Customer Loyalty Restu Tanjung, Dwi; Ikhsan Harahap, Muhammad; Anggraini, Tuti
Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Volume 11, Issue 1, 2024
Publisher : Pendidikan Administrasi Perkantoran, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71309/administrare.v11i1.2416

Abstract

Business competition between banks now shows increasingly tight competition to get customers, so banks are struggling to provide the best services and services. This research aims to find out whether there is an influence of Cross-Selling and up-selling in increasing customer loyalty at Bank Syariah Indonesia (BSI) KC Kuala Simpang. This research was conducted at BSI KC Kuala Simpang. This type of research uses quantitative methods, which collect data in the form of questionnaires that are distributed to users or customers of BSI KC Kuala Simpang. The population in this study was 1,200 customers with a sample size of 100. To determine the number of samples taken, the Slovin formula was used. Meanwhile, the analysis technique uses SPSS 25 software, which explains that the Cross Selling and up Selling variables have a positive and significant influence on customer loyalty. Cross-selling and up-selling are two strategies that companies often use to increase sales and increase customer satisfaction. Although they are two different techniques, they are closely related and often work together to maximize sales potential. Both strategies have the same goal, namely increasing the average transaction value per customer. Cross-selling involves selling additional products that are complementary or related to what the customer has already purchased, when it comes to up-selling, the aim is to persuade customers into buying a higher-priced or deluxe version of the product they initially planned to buy.
The Influence Of Fintech Technology In Digital Wallet Services On Gen Z Purchases On FEBI UINSU Students Febriani, Gymnasti; Nasution, Muhammad Irwan Padli; Anggraini, Tuti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8041

Abstract

This study aims to determine the effect of perceived convenience, trust, and supporting facilities as services from digital wallets. The research method used in this research is quantitative with multiple linear regression analysis as the analysis tool. The population of this study were economics and Islamic business students of UIN SU in 2024 as many as 1,130 students. The sample in this study was random sampling, namely by taking respondents randomly and producing 92 respondents. While data analysis uses SPSS 20, Classical Assumption Test, Multiple Linear regression and Hypothesis Test to test data statistically. The results of this study indicate that: (1) Significant value for Convenience of 0.780 and Trust of 0.556 this value> 0.05 from these results shows that there is no significant influence between the variables of Convenience and Trust on purchasing actors at UIN SU Students. (2) Significant value for Facilities, amounting to 0.000, this value is smaller than 0.05 from these results shows that there is a significant influence between the Facility variable on purchasing actors on UIN SU students which is supported by the high interest of students to use attractive features such as cashback and discounts offered by digital wallets to meet their transaction needs.
Analisis Kinerja Keuangan dan Risiko Pembiayaan dalam Penerapan Prinsip Syariah pada Bank Syariah Yunni, Yunni; Harahap, Rahmat Daim; Anggraini, Tuti
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 1 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i1.8248

Abstract

The rapid growth of the Islamic banking industry in Indonesia has not been matched by institutional strengthening at the micro level, particularly within Islamic Rural Banks (BPRS). This study aims to analyze the financial performance and financing risk of PT. BPRS Puduarta Insani from 2021 to 2024, and to evaluate the implementation of Sharia principles in operational practices from the perspective of Account Officers (AOs). Employing a qualitative approach, the research utilizes in-depth interviews supported by secondary financial data and applies thematic analysis. The findings reveal a significant phenomenon of pseudo-compliance, where Sharia principles are fulfilled formally but not substantively. This practice, driven by institutional pressure to achieve financing targets, directly contributes to a deteriorating portfolio quality and distortion in the application of Sharia contracts. The issue is further exacerbated by limitations in AO capacity, a weak monitoring system, and the lack of standardized recovery procedures, compounding risk management challenges. This study recommends institutional reform through the rationalization of financing targets, enhancement of operational Sharia training, and digitalization of monitoring systems to ensure a sustainable balance between financial performance and Sharia integrity.
Students Perceptions in Choosing the Sharia Banking Major in Relation to Future Career Prospects (Case Study on Sharia Banking Students at UINSU) Azzahra, Annisa Aulia; Anggraini, Tuti; Indra, Ahmad Perdana
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.v8i3.8639

Abstract

Student perception plays a vital role in shaping attitudes, interests, and decisions, particularly in choosing a major and planning a career. Each individual has different perceptions depending on background, expectations, and information received. This study aims to explore the perceptions of final-year and new students in choosing the Sharia Banking major with regard to career prospects. Many students still believe that graduates can only work in banks, although opportunities are more diverse. The research method applied is qualitative, using open-ended questionnaires distributed to 100 respondents, consisting of 50 new and 50 final-year students. The findings show that final-year students possess a broader understanding due to academic and internship experiences, while new students tend to have limited views. Factors influencing perceptions include experience, knowledge, and environment. The study suggests the need for early career prospect socialization, stronger collaboration between universities and industry, and students’ active efforts in seeking information and developing skills.
The Effect of Enduring Service Intensifiers, Perceived Service Alternatives, and Self-Perceived Roles on the Level of Customer Satisfaction Using the Importance Performance Analysis Method (Case Study of Bank Sumut Syariah KC. Medan) Herlina, Herlina; Anggraini, Tuti; Nasution, Muhammad Syukri Albani
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.v8i3.8769

Abstract

This study aims to determine the relationship and influence of Enduring Service Intensifiers, Perceived Service Alternatives, Self-Perceived Roles on the Level of Consumer Satisfaction using the importance performance analysis method (case study of Bank Sumut Syariah Kc. Medan). The type of research used in this study is quantitative research. The object of this research was conducted at Bank Sumut Syariah branch office Jl Imam Bonjol Medan. The population used in this study were Bank Sumut Syariah customers who saved at the bank in the first quarter of 2023, as many as 2,340 people. The sample in this study was 96 people. Data collection techniques used multiple linear analysis with the help of the SPSS program version 23.0. Based on the results of the partial hypothesis test (t-test), it shows that the variables Enduring Service Intensifiers, Perceived Service Alternatives, Self Perceives Roles have a significance value of <0.05, which means that the variables Enduring Service Intensifiers, Perceived Service Alternatives, Self Perceives Roles have a positive and significant influence on increasing consumer satisfaction, so that the hypothesis in this study is accepted.
Analysis of the Mechanism for Handling Problem Financing in the Status of Sharia Mortgage Collectability using the Restructuring Method Sandi, Muhammad; Inayah, Nurul; Anggraini, Tuti
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.418

Abstract

In this research, the restructuring method was used at Bank Sumut Syariah KCP Kota Baru to see how the collectability status of Sharia Home Ownership Credit (KPR) handled problematic financing. Non-Performing Financing (NPF) is an important issue in the sharia banking industry, including sharia mortgage financing products. This research uses a qualitative study with a case study approach. Data was collected through interviews and observations. The research results show that Bank Sumut Syariah KCP Kota Baru implemented several strategies in handling problematic financing for Sharia KPR by rescheduling or rescheduling. By implementing a comprehensive handling mechanism, Bank Sumut Syariah KCP Kota Baru seeks to minimize financing risks. It is hoped that this research will provide theoretical and practical contributions to the progress of the sharia banking industry, especially in dealing with the risk of problematic financing in sharia housing credit (KPR) products.
ANALYSIS OF FACTORS INFLUENCING THE REALIZATION OF MURABAHAH FINANCING FOR MICRO AGRIBUSINESS ENTERPRISES IN THE TRADE SECTOR (CASE STUDY AT BMT AL-AKBAR, DELI SERDANG DISTRICT) Siregar, Pardamean; Anggraini, Tuti; Inayah, Nurul
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12663

Abstract

Micro businesses have an important role in employment absorption and gross domestic product (GDP). The problem often faced by micro businesses is the difficulty of obtaining loans from banks. Sharia Microfinance Institutions (LKMS) are an alternative source of financing. Baitul Mal wat Tanwil (BMT) Al-Akbar is a sharia microfinance institution that provides micro business financing through murabahah financing. This research aims to analyze the factors that influence the realization of murabahah financing through customer characteristics. The sampling method was carried out using convenience sampling and the number of samples used was 40 people. The collected data was processed using multiple regression. The research results show that the significant factors are length of education, length of business, net business income for one month and collateral. Keywords: Agribusiness, Customer Characteristics, Realization Of Murabahah Financing, Multiple Regression, Micro Businesses
RESOLVING FINANCING PROBLEMS WITH RESTRUCTURING OF MURABAHAH FINANCING DURING THE COVID-19 PANDEMIC AT PT. SUMUT BANK (SHARIAH BUSINESS UNIT) Fadillah, Muhammad Aris; Anggraini, Tuti; Inayah, Nurul
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 8 No 1 (2024): IJEBAR : Vol. 8, Issue 1, March 2024
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v8i1.12664

Abstract

This research aims to analyze howresolving problematic financing by restructuring murabahah financing during the Covid-19 pandemic at PT. Bank Sumut (Sharia Business Unit).This research uses a qualitative type of research with a case study approach using data collection techniques through observation and interviews with related parties from Bank Sumut. The results of the research show that the practice of restructuring murabahah financing at Bank Sumut is carried out as an effort to rescue problematic financing. When viewed from POJK, especially POJK 48, the implementation of restructuring shows several important points that banks must pay attention to. Bank Sumut has guidelines for determining debtors affected by COVID-19. Apart from that, the restructuring implementation takes into account the MUI DSN Fatwa No. 47,48,49, regarding the resolution of problematic murabahah financing, the absence of additional costs and contract conversion Keywords: Problematic Financing, Restructuring, Murabahah Financing, Covid 19
The Existence of Street Vendors in Business: Opportunities and Challenges Sufa, Amanda Oktavia; Zainarti, Zainarti; Anggraini, Tuti
International Journal of Multidisciplinary Research of Higher Education Vol 8 No 4 (2025): (October) Education, Religion Studies, Social Sciences, STEM, Economic, Tourism,
Publisher : Islamic Studies and Development Center in Collaboration With Students' Research Center Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ijmurhica.v8i4.443

Abstract

This study aims to explain how street vendors survive and the obstacles they face amid modern business competition triggered by retail expansion and the shift to online commerce. The research uses a descriptive qualitative approach in one of the markets in Indonesia, with four main informants who are traders of various commodities (casual clothing, baby and children's clothing, foodstuffs, and fruits), supplemented by brief confirmation from market managers and customers. Data was obtained through stall observation, in-depth interviews, and document review; analyzed thematically and mapped into a framework of strengths, weaknesses, opportunities, and threats. The findings reveal five most consistent strategies: strengthening services that foster trust; maintaining quality while organizing merchandise displays; starting to utilize simple digital channels (messaging and cashless payments based on Bank Indonesia's standard QR code); improving operational efficiency (stock and cost management); and collaborating with suppliers and the local community. The main obstacles include uneven digital literacy, limited capital and facilities, price pressure from modern retailers, and uncertainty regarding business space. The practical implications are the need for concise digital and managerial assistance, access to microfinance for small value-added improvements, and participatory market structuring. This article contributes by translating cross-commodity daily strategies into an action plan that is easy for traders and stakeholders to adopt.
Co-Authors Adrian, Muhammad Fikri Ahmad Riyansyah, Ahmad Alfarezzi, Ahmad Alfian, Ian ian Amalia Nasution, Nabilla Amanda, Feby Aulia Amelia, Anika Andini Al Khoiri, Putri Andri Soemitra Anfa, Sugianto Anggaraini, Tuti Annisari, Annisari Aqwa Naser Daulay Ariesta, Syahna Arifin Fauzi Lubis Ariski, Martogi Arnida Wahyuni Lubis Asmuni Asmuni , Asmuni Asmuni Asmuni Asriadi, Ari Asy’ary, Muhammad Hasan Atika, Febri Aulia, Nafra Ayunda, Afrila Ayuni, Ifti Azahar Siregar, Rahmat Azhari, Alwan Azzahra, Annisa Aulia Bayani, Luthfiah Nur Bayu Prabowo, Bayu Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Dalimunthe, Maya Oktavia Dewi, Cindy Kumala Dhian Rosalina, Dhian Djunaidi, Zikri Habibi Effendi, Lutfiah Eka Putri Simanjuntak, Febrina Emizal Amri, Emizal Erda Fitriani Fadhilah, Gina Fadillah, Muhammad Aris Fauzan, M. Febriani, Gymnasti Fili, Nada Sausan Adha Filka, Nadhri Fitri Fransiska, Silvia Hafizah, Raisya Hamdiah, Vidairotul Hanafi, Burhan Harahap, Aswan Nawawi Harahap, Faiza Shakira Saina Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Muthia Hafsari Hayady, Roza Hayati, Nur Fadillah Herlina Herlina Ikhsan Harahap, Muhammad Imsar, Imsar Indra, Ahmad Perdana Ira Purnama Irawan, Harry Irham, Mawaddah Irmayani Isna Fauziah, Isna Jihan, Siti Juliana Nasution Juliati Nasution, Yenni Samri Julita Keumala Hayati Khairunnisa, Ira Amalia Khoiriah, Zulfa Khoiriaturrahmah, Miftah Kusmilawaty, Kusmilawaty Kusuma, Annisa Ayu Lathief Ilhamy, Muhammad Laylan Syafina Lestari, Aprilia Lubis, Balqis Mawaddah Lubis, Ismul Fakhri Lubis, Muhammad Iqbal Asyari Lubis, Yulpida Sari Lutfiah, Dhita M Nawawi, Zuhrinal Maghfirah, Nur Manik, M. Rikwan ES. Manurung, Nurlatifah Marliyah, Marliyah Matondang, Muhammad Haekal Maysarah, Maysarah Muhaisin, Ahmad Muhammad Lathief Ilhamy Nasution Muhammad Riduan, Muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Multa Nasution, Darwin Munthe, Raja Syahrial Mustapa  Khamal  Rokan Nasution, Aida Fitri Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Muhammad Latief Ilhamy nasution, Muhammad Latif Ilhamy Nasution, Nadya Dwinna Putri Nasution, Sariati Nasution, Syahdinar Ningruma, Dyah Asti Nst , Uci Roito Anggina Nuh, Ruslee Nurbaiti Nurbaiti Nurhasanah, Upik Nurhayati Nurhayati Nurhayati Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani Nurwani, Nurwani Olivia Ningrum, Natasya Pardamean Siregar, Pardamean Perdana Indra, Ahmad Prabowo, agus P Pratiwi, Eka Aprila Pulugan, Riziq Ahmad Purba, Rendi Puspita, Windy Putri Siregar, Annisa Putri, Kennadem Kurnia Putri, Sri Eka Qarni, Waizul Qodriyah, Nurul Ni'mah Rahma Sari Zein Rahma, Tri Inda Fadhila Rahmadhani, Anisa Rahmah, Nuzulliah Rahmi Syahriza, Rahmi Ramadhani, Anggraini Rambe, Jelita Handayani Rangkuti, Ririn Anjani Restu Tanjung, Dwi Ripai Saragih, Ahmad Ritonga, Lilis Suryani Ritonga, Vera Ayu Ningsih Ritonga, Wardoni Hikman Rizkan Polem, T. Rizqiyah, Anisah Ruhama, Intan Salsabila, Raisya Sandi, Muhammad Santi Arafah Saparuddin Siregar Sari, Reni Ilma Sari, Riska Dwi Sijabat, Winda Irmayani Sinaga, Muhammad Syahputra Sipahutar, Ana Pahira Sirait, Frida Yanti Siregar, Tetty Handayani Situmorang, Harudini Nizar Solin, Naia Fingkani sri sudiarti Srisudiarti sriwahyuni Sriwahyuni Subandi Subandi Sufa, Amanda Oktavia Sugianto Sugianto Sugianto Suharto, Tentiyo Supardi Supardi Susanty, Widya Syahira, Tira Syakir, Ahmad Syarbaini, Ahmad Muhaisin B Tambunan, Ria Tifanny Utama, Septia Sakinah Rizki Vanessa Vanessa Venny Fraya Hartin Nst Wardani, Aisyatul Wijaya, Rio Winarsih, Safitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI YUDI SISWADI Yuditia, Oppi Yolanda Yunni, Yunni Zainarti Zainarti Zamzam, Ayu Raudah Zuhra, Annisa Zuhrinal M. Nawawi zulfikar, Zulfikar