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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 Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Tadbir : Jurnal Studi Manajemen Pendidikan JURNAL MANAJEMEN MOTIVASI 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) Jurnal Socius: Journal of Sociology Research and Education Jurnal Ilmiah Edunomika (JIE) Rayah Al Islam : Jurnal Ilmu Islam RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) LEGAL BRIEF Accounting and Business Journal 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 Journal of Student Development Informatics Management (JoSDIM) Studi Akuntansi, Keuangan, dan Manajemen Media Ekonomi JRAP (Jurnal Riset Akuntansi dan Perpajakan) Journal of Artificial Intelligence and Digital Business IDARAH : Jurnal Pendidikan dan Kependidikan Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research J-ISACC : Journal of Islamic Accounting Competency Amkop Management Accounting Review (AMAR) Jurnal Akuntansi Manado (JAIM) 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 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 Arts Humanities Chemical Engineering, Chemistry & Bioengineering Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Other

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PENGARUH EFEKTIVITAS KREDIT USAHA RAKYAT (KUR) SYARIAH TERHADAP PENINGKATAN PROFIT USAHA MIKRO NASABAH BANK BSI KCP ISKANDAR MUDA Putri Siregar, Annisa; M. Nawawi, Zuhrinal; Anggraini, Tuti
Media Ekonomi Vol. 31 No. 2 (2023): Oktober
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i2.18468

Abstract

This research aims for readers to know the impact of Sharia people’s Business Credit (KUR) on the profit growth of BSI Kcp Iskandar Muda micro business. The relationship and influence between variables can be determined through quantitative research methods. 193 categories of customer communities are in arrears on People’s. Business credit (KUR) at Bank BSI Kep Iskandar Muda, with the sample size selected from the Slovin formula. In collecting data in this research, the technique used was a questionnaire to see the impact of Sharia KUR on micro business profits at Bank BSI KCP Iskandar Muda. The SPSS version 23.0 program is a reference in calculating variables. It is used in the data analysis process. Kredit Usaha Rakyat Syariah influences the total profits of Bank BSI KCP Iskandar Muda Micro Businesses. The data taken are the results obtained during the research. This process can be seen through tcount which is greater than ttable. There is a strong ending with the benchmark Ho being rejected and Ha being accepted.
Analisis Faktor-Faktor Yang Mempengaruhi Terjadinya Financial Distress Perusahaan Asuransi Umum Syariah di Indonesia Utama, Septia Sakinah Rizki; Anggraini, Tuti; Harahap, Muhammad Ikhsan
JRAP (Jurnal Riset Akuntansi dan Perpajakan) Vol. 10 No. 1 (2023): Januari - Juni
Publisher : Magister Akuntansi Universitas Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35838/jrap.2023.010.01.06

Abstract

This study aims to identify whether the factors of liquidity, leverage have a significant influence on financial distress in Islamic General Insurance Companies in Indonesia. This study uses a descriptive method with quantitative data analysis in this research population, namely all General Sharia Insurance Companies in Indonesia in 2020. In this research sample, namely three General Sharia Insurance Companies in Indonesia, using multiple linear regression analysis techniques and processed using the assistance of the IBM SPSS Statistics 26 computer application program. According to the partial fact that liquidity has a significant effect on financial distress. Partially, leverage has a significant effect on financial distress. Simultaneous estimation explains that the financial distress variable is influenced by liquidity and leverage factors simultaneously. Investors and potential investors who are considering investing in the company PT Asuransi Umum Syariah should consider the company's financial condition, such as liquidity and liabilities, which have a significant influence when predicting the situation of a company facing financial difficulties. You need to pay attention to indicators and thus you can minimize your risk namely the risk of loss.
PLANNING AND MONITORING OPERATIONAL COSTS FOR PURCHASING GOODS Ritonga, Wardoni Hikman; Nasution, Yenni Samri Juliati; Anggraini, Tuti
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 5 No 1 (2022): 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.v5i1.6307

Abstract

Planning and monitoring operational costs, including the costs of purchasing goods, are crucial for companies to achieve the goal of maximizing profit by minimizing costs. This study aims to understand and develop operational cost management practices, particularly in the context of goods purchasing, and to assess the effectiveness of planning and monitoring at PT UNEFECO. The research employs a descriptive method with a qualitative approach, utilizing observation, interviews, and document analysis. The results indicate that the planning and monitoring of operational costs for purchasing goods at PT UNEFECO have not reached the desired level of effectiveness. There are significant discrepancies between the planned and actual costs, despite the identification of some favorable variances. This suggests inaccuracies in cost estimation, a lack of effective control, or unexpected changes in market conditions. These findings highlight the need for improvements in planning and monitoring operational costs for purchasing goods at PT UNEFECO to reduce the gap between planned and actual budgets, enhance cost estimation accuracy, and improve operational control effectiveness.
THE WELFARE OF GRABBIKE DRIVERS WHO USE BPJS KETENAGAKERJAAN IN THE PERSPECTIVE OF MAQASHID AL SYARIAH Pratiwi, Eka Aprila; Anggraini, Tuti; Muhaisin, Ahmad
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 5 No 1 (2022): 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.v5i1.6351

Abstract

The transportation services in Indonesia have undergone rapid changes in the past decade. However, the welfare of Grabbike drivers using BPJS Ketenagakerjaan in Medan remains an issue. This study aims to analyze the welfare of Grabbike drivers from the perspective of maqashid al syariah. The research method used is qualitative descriptive, focusing on the income of Grabbike and traditional ojek services in Medan, with several Grabbike passengers as subjects. Primary data was obtained through interviews with Grabbike drivers and customers in Medan, while secondary data was sourced from books and e-journals related to BPJS Ketenagakerjaan. Data collection techniques included observation, interviews, and literature review. The findings indicate that the welfare of Grabbike drivers using BPJS Ketenagakerjaan can be enhanced by meeting basic needs, reducing difficulties, and improving the quality of life. This aligns with maqashid al syariah, which emphasizes the welfare and well-being of all individuals.
PENGARUH FITUR VIRTUAL ACCOUNT BILLING, PAYMENT TRANSACTION, DAN E-STATEMENT TERHADAP PENGAPLIKASIAN M-BANKING Azhari, Alwan; Anggraini, Tuti
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 6 No 2 (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.v6i2.7085

Abstract

Customers experience many problems in making direct transactions through ATM outlets such as waiting for queues at banks, remote home locations, checking bank statements and several other problems. The research aims to see the effect of virtual account billing, payment transactions, and e-statements on customer convenience in applying m-banking. This study used quantitative research methods and distributed questionnaires to 100 respondents of Sharia Banking study program students of North Sumatra State Islamic University 2019 and then processed on the SPSS application Version 29.0. This study shows that simultaneously all variables used, namely virtual account billing, payment transactions, and e-statements simultaneously have a significant influence shown by the results of the F value of the table of 20.782 > 2.70. Partially, payment transaction variables and e-statements have a significant effect on customer convenience. While the virtual account variable has no influence on the ease of customers in applying m-banking.
ANALYSIS OF PRIORITY BANKING OFFICER (PBO) MARKETING STRATEGY IN INCREASING THE NUMBER OF PRIORITY CUSTOMERS VIEWED FROM A MAQASHID SYARIAH PERSPECTIVE: BANK SUMUT KC SYARIAH PADANGSIDIMPUAN Rambe, Jelita Handayani; Imsar, Imsar; Anggraini, Tuti
istinbath Vol. 23 No. 1 (2024): June 2024
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/ijhi.v23i1.752

Abstract

Maintaining the excellence of PT Bank Sumut KC Syariah Padangsidimpuan requires an effective marketing strategy to be implemented in order to realize a competitive advantage and achieve predetermined targets in the marketing process. Bank Sumut KC Syariah Padangsidimpuan certainly has goals and strategies with Sharia-based purposes (Maqashid Sharia) or is more than merely material. In this context, the target in question is Priority Customers. This writing analyzes the Priority Banking Officer's marketing strategy for increasing the number of priority customers at PT. Bank Sumut KC Syariah Padangsidimpuan is reviewed from a Maqashid Syariah perspective. The research method used is descriptive-qualitative. The data collection techniques in this research were observation, interviews, documentation, and literature. Moreover, researchers used descriptive analysis techniques. The result of this writing is that PT. Bank Sumut KC Syariah Padangsidimpuan, in implementing marketing strategies to increase the number of customers, applies the Marketing Mix 7P component. Marketing Mix is a tool for marketers consisting of various marketing program elements (product, price, promotion, place, people, process, and physical evidence) that must be considered to implement the determined marketing strategy. Bank Sumut KC Syariah Padangsidimpuan, in carrying out the marketing mix strategy, contains Maqashid Syariah principles containing sharia values ​​that are by sharia objectives (Maqashid Syariah). The marketing mix aspect (product, price, promotion, place, people, processes, and physical evidence) contains sharia values ​​by the 5 principles of maqashid sharia (sharia goals), namely protecting religion, soul, will, descendants, and property.
REVIEW OF FIQH MUAMALAH ON THE FORMS OF ONLINE BUYING AND SELLING CONTRACTS IN THE TIKTOK SHOP APPLICATION Nst , Venny Fraya Hartin; Asmuni, Asmuni; Anggraini, Tuti
Jurnal Review Pendidikan dan Pengajaran Vol. 7 No. 3 (2024): Vol. 7 No. 3 (2024): Volume 7 No 3 Tahun 2024 (Special Issue)
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jrpp.v7i3.32024

Abstract

Fenomena yang terjadi dikalangan Mahasiswa Universitas Darma Agung yang sudah menggunakan Tiktok Shop karena dianggap praktis, dapat menghemat waktu dan tenaga. Walaupun demikian, ternyata masih ada masalah yang terjadi ketika Mahasiswa Universitas Darma Agung menggunakan TikTok Shop untuk berbelanja. Salah satunya adalah terdapat cacat pada barang yang dibeli. Pada saat inilah hak pembeli dapat membatalkan atau tidak meneruskan akad jual beli jika ada kecacatan pada barang yang dibelinya menurut Fiqh Muamalah. Penelitian ini merupakan jenis penelitian kepustakaan, yakni serangkaian penelitian tentang metode pengumpulan data kepustakaan atau penelitian yang objek penelitiannya. Hasil penelitian ini menurut Pandangan fiqih Muamalah terhadap transaksi online relevan karena penjual memberikan data rinci mengenai pokok barang yang diperjualbelikan, dan pembeli berhak menerima hak khiyar yang diberikan penjual. Detail objek produk sebagai tujuan untuk memeriksa tingkat kualitas dari produk itu sendiri sehingga pembeli dapat melanjutkan atau membatalkan pembelian. Kontrak yang terkait dengan jenis transaksi ini adalah Akad Salam yang disepakati (yang akadnya telah dibuat) akan dikirimkan kepada pembeli di kemudian hari, sesuai dengan DSN Fatwa MUI Nomor 5/IV/ Tahun 2000 tentang Jual Beli Salam, hak atas khiyar berlaku jika pembeli menentukan bahwa barang tersebut tidak sesuai dengan rincian yang diberikan penjual.
Lecturers’ Perceptions on The Use of Sharia Credit Card Filka, Nadhri; Anggraini, Tuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): 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.v5i2.2163

Abstract

The phenomenon of using credit cards for some people is considered a symbol of status and lifestyle. This has an impact on conventional and Islamic financial institutions to compete to create banking card products that function to attract the attention of potential customers. Therefore, this study aims to analyze the perception of lecturers in the use of Islamic credit cards. The sample of this research is people who have a teaching profession at an Islamic University. The research method is qualitative, then the data collection in this study is the distribution of online questionnaires and literature studies. Then the data is analyzed by interactive model. The results show that what makes lecturers less interested is that they think conventional and sharia credit cards are the same. Furthermore, the lack of socialization of Islamic banks in promoting and explaining in detail about Islamic credit cards. Then, someone who has a teaching profession has the perception that using a sharia credit card will give them financial risk if one day they fail to pay their bills. The services and facilities provided by Islamic banks are not maximized when compared to conventional ones.
Strategies for Increasing the Competence of Sharia Banking Students’ Career Interest in Sharia Financial Institutions Annisari, Annisari; Anggraini, Tuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 5 No 2 (2022): 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.v5i2.2346

Abstract

Indonesia is a country with the largest Muslim population of 231,069,932 people based on data from the Indonesian ministry of religion. That figure is equal to 84.37% of Indonesia’s total population of 273,879,750 people. As home to 84.37% of the Muslim population, Indonesia has fantastic potential sharia in the business world. The development of the sharia business lately has been rapid. Many demand scholars who understand the world of sharia business has resulted in increased job opportunities. The availability of vacancies in Islamic financial institutions requires competent human resources or graduates in the fields of economics and Islamic banking. The purpose of this research is to analyze the strategy of increasing the competence of sharia banking students at UIN Sumatera Utara in the interest of a career in sharia financial institutions. The research uses a qualitative approach with a descriptive analysis method. Research techniques used are interview, observation, literature review, and documentation. The result showed that the informant has a high interest in a career in sharia financial institutions due to labor market considerations, the working environment, financial rewards/salaries, and religiosity. However, it is not in line with the dominance of human resources who have no sharia banking education background in these institutions. Thus, we need the right strategy to improve the competence of students in order to produce sharia graduates who are competent and ready to compete in the world of work financial rewards/salaries and religiosity. Therefore, we need the right strategy to improve the competence of students in order to produce sharia graduates who are competent and ready to compete in the world of work.
Study of Relevance of Sharia Banking Study Program Graduates in 2019-2021 (Analysis of The Curriculum of Sharia Banking Study Program) Anggraini, Tuti; Lathief Ilhamy, Muhammad; Perdana Indra, Ahmad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (2023): 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.v6i1.2811

Abstract

This research was conducted to find out the quality of graduates, how long the wait for work is, and how the relevance of the implementation of the curriculum that has been implemented in the study program to the needs of the labor market. The latest data from the Central Statistics Agency (BPS) shows that as of August 2022, Indonesia’s unemployment rate was recorded at 5.86% of the total working-age population of 209.42 million people. What was astonishing is, of the 209.42 million people, almost 673.49 thousand (7.99%) were undergraduate graduates (S1). This tracer study is an evaluative descriptive study that seeks to describe the profile of graduates and the relevance of the curriculum materials for the Sharia Banking Program through a survey approach. From the results of this study, it is known that the waiting time for graduates to work in companies for more than 6 months is greater by 66 people, for the period before 6 months there are only 26 people and the time span above 18 months is around 24 people. Where the suitability of the field of work graduates as many as 88 people.
Co-Authors Adrian, Muhammad Fikri Ahmad Riyansyah, Ahmad Alfarezzi, Ahmad Alfian, Ian ian Amalia Nasution, Nabilla Amanda, Feby Aulia Amelia, Anika Andri Soemitra Anfa, Sugianto Anggaraini, Tuti Annisari, Annisari Aqwa Naser Daulay Ariesta, Syahna Arifin Fauzi Lubis Ariski, Martogi Asmuni Asmuni , Asmuni Asmuni Asmuni Asriadi, Ari Asy’ary, Muhammad Hasan Atika, Febri Aulia, Nafra Ayuni, Ifti Azahar Siregar, Rahmat Azhari, Alwan Bayani, Luthfiah Nur Bayu Prabowo, Bayu Bi Rahmani, Nur Ahmadi Budi Harianto Dalimunthe, Maya Oktavia Dhian Rosalina, Dhian Djunaidi, Zikri Habibi Effendi, Lutfiah Eka Putri Simanjuntak, Febrina Emizal Amri, Emizal Erda Fitriani Fadhilah, Gina Fadillah, Muhammad Aris Fauzan, M. Fili, Nada Sausan Adha Filka, Nadhri Fitri Fransiska, Silvia Hafizah, Raisya Hanafi, Burhan Harahap, Aswan Nawawi Harahap, Faiza Shakira Saina Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Muthia Hafsari Hasibuan, Titin Efrida Hayady, Roza Hayati, Nur Fadillah Ikhsan Harahap, Muhammad Imsar, Imsar Indra, Ahmad Perdana Indradewa, Rhian Ira Purnama Irawan, Harry Irham, Mawaddah Irmayani Isna Fauziah, Isna Juliana Nasution Juliati Nasution, Yenni Samri Julita Keumala Hayati Khairunnisa, Ira Amalia Khoiriah, Zulfa Khoiriaturrahmah, Miftah Kusmilawaty, Kusmilawaty Laila Rahmayuni Rangkuti Lathief Ilhamy, Muhammad Laylan Syafina Lestari, Aprilia Lestari, Mega Indah 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 Yafiz, Muhammad Munthe, Raja Syahrial Mustapa  Khamal  Rokan Nada, Mufidatil Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Muhammad Latief Ilhamy Nasution, Nadya Dwinna Putri Nasution, Sariati Nasution, Syahdinar Nst , Uci Roito Anggina Nuh, Ruslee Nurhasanah, Upik Nurhayati Nurhayati Nurhayati Nurlaila Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani Nurwani, Nurwani Pardamean Siregar, Pardamean Perdana Indra, Ahmad Prabowo, agus P Pratiwi, Eka Aprila Purba, Rendi Puspita, Windy Putri Siregar, Annisa Putri, Sri Eka Qarni, Waizul Rahma Sari Zein Rahma, Tri Inda Fadhila Rahmah, Nuzulliah Rahmi Syahriza, Rahmi Ramadhani, Anggraini Rambe, Jelita Handayani Restu Tanjung, Dwi Ripai Saragih, Ahmad Ritonga, Lilis Suryani Ritonga, Vera Ayu Ningsih Ritonga, Wardoni Hikman Rizkan Polem, T. Rizqiyah, Anisah Rohfadli, Muhammad Ruhama, Intan Salsabila, Raisya Santi Arafah Sari, Reni Ilma Shofiyani, Leni Sijabat, Winda Irmayani Silalahi, Purnama Ramadani Sinaga, Muhammad Syahputra Sipahutar, Ana Pahira Sirait, Frida Yanti Siregar, Sri Indah Situmorang, Harudini Nizar Solin, Naia Fingkani Sri Sudiarti Srisudiarti sriwahyuni Sriwahyuni Subandi Subandi Sufa, Amanda Oktavia Sugianto Sugianto Sugianto Suharto, Tentiyo Supardi Supardi Syahira, Tira Syakir, Ahmad Syarbaini, Ahmad Muhaisin B Tambunan, Ria Tifanny Tasya Nadilla 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 Zuhrinal M. Nawawi zulfikar, Zulfikar