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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
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THE INFLUENCE OF CONSUMER BEHAVIOR AND SHARIA FINANCIAL LITERACY ON INTEREST IN USING FINTECH P2P LENDING AMONG FEBI UINSU STUDENTS Hayati, Nur Fadillah; Anggraini, Tuti; Nasution, Muhammad Latief Ilhamy
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32063

Abstract

This study aims to analyze the effect of consumptive behavior and Islamic financial literacy on the interest in using fintech P2P lending among students of the Faculty of Islamic  Economics and Business (FEBI) at UINSU. This research employs a quantitative approach with a causal associative method. The population consists of active FEBI UINSU students from the 2021 cohort, with a sample of 100 respondents selected using puprosive sampling. Data were collected through questionnaires and analyzed using multiple linear regression with partial (t) tests and simultaneous (F) tests. The results indicate hat consumptive behavior has a positive and significant effect on the interest in using fintech P2P lending. Islamic financial literacy also has a positive and significant effect on this interest. Simultaneously, both independet variables significantly influence students interest in using conventional fintech. This phenomenon shows that although students have a good understanding of Islamic financial principles, factors such as accessibility, service speed, limited availability of Islamic fintech, and consumptive behavior still lead them to use conventional fintch.Keywords: Consumptive Behavior, Islamic Financial Literacy, Interest, Fintech P2P Lending
Pengaruh Bagi Hasil dan Pembiayaan Bermasalah Terhadap Pembiayaan Mudarabah di Bank Syariah Indonesia KCP Cemara Asri Anggraini, Tuti; Lubis, Yulpida Sari
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Penelitian ini bertujuan untuk menyelidiki bagaimana Pembiayaan Mudharabah di Bank Syariah Indonesia KCP Cemara Asri dipengaruhi oleh Tingkat Bagi Hasil dan Pembiayaan Bermasalah. Risiko kredit bermasalah seringkali menjadi ancaman terbesar bagi bank. Ketika bank tidak dapat mengembalikan pembayaran pokok dan/atau bunga atas pinjaman yang telah dibuatnya atau investasi yang dibuatnya, ada masalah dengan pembiayaan. Faktor utama yang berkontribusi terhadap pembiayaan bermasalah adalah kemudahan bank untuk meminjamkan uang atau melakukan investasi karena kebutuhan mereka yang berlebihan untuk mengkapitalisasi likuiditas. Akibatnya, evaluasi kredit (pembiayaan) tidak akurat dalam memprediksi berbagai potensi risiko bisnis yang dibiayai. Data sekunder dan penelitian kuantitatif membentuk teknik jenis data penelitian dan strategi deskriptif. Analisis regresi linier berganda dengan ambang signifikansi 5% merupakan metode analisis yang digunakan. Dengan menggunakan program eviews 10 untuk mengevaluasi data, ditetapkan bahwa (1) Tingkat Bagi Hasil tidak berpengaruh terhadap pembiayaan mudharabah dan (2) pembiayaan bermasalah berdampak baik dan signifikan.
Analisis Penerapan Akad Mudharabah Muthlaqoh Pada Tabungan Berencana di Bank Syariah Indonesia KC Rantau Parapat Anggraini, Tuti; Khoiriah, Zulfa
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Tujuan dari penelitian ini adalah untuk mengetahui analisis implementasi Akad Mudharabah Muthlaqoh pada tabungan terencana di Bank Syariah Indonesia KC Rantau Parapat. Muthlaqah Dalam mudharabah, pemilik dana memberikan keleluasaan kepada pengelola dana tentang bagaimana mengelola investasi. Nama “mudharabah” mengacu pada investasi yang tidak terkendali ini. Pengelola dana muthlaqah memiliki wewenang untuk melakukan kegiatan yang berhubungan dengan bisnis untuk mencapai tujuan mudharabah. penelitian yang mengumpulkan informasi dari sumber tertulis, wawancara, dan observasi. Hasil penelitian menunjukkan bahwa Bank Syariah Indonesia KC Rantau Parapat menggunakan akad mudharabah muthlaqah dalam tabungan terencana yang menganut prinsip mudharabah muthlaqah. Kerjasama yang dimaksud adalah antara pengelola (mudharib) dalam hal ini BMT dengan pemilik uang (sahibul mal) yang dalam hal ini adalah anggota yang melakukan penanaman modal. Dalam menggunakan uang tersebut, Mudharib tidak dibatasi oleh syarat sahibul mal selama tidak bertentangan dengan syariat Islam.
Analisis Strategi Pemasaran Produk Tabungan Smart IB (Studi Kasus Kcp Bank Sumut Syariah Simpang Kayu Besar) Anggraini, Tuti; Tambunan, Ria Tifanny
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Pesatnya pertumbuhan Perbankan Syariah menghasilkan persaingan sengit dalam industri perbankan. Tidak hanya persaingan antara Perbankan Syariah dengan Perbankan Konvensional, tetapi juga antara bank-bank Syariah itu sendiri dalam mencari penghasilan mereka masing-masing. Setiap perbankan berusaha dengan sungguh-sungguh menciptakan inovasi produk agar dapat menjadi yang terbaik dalam upaya meningkatkan penerimaan dana dari masyarakat melalui tabungan. Metode yang digunakan pada peneitian ini adalah metode kualitatif. Metode Kualitatif merupakan penelitian yang menjelaskan data berupa kata-kata tertulis atau lisan dari seseorang yang perilakunya diamati. PT. Bank Sumut Kantor Cabang Pembantu Syariah Simpang Kayu Besar merupakan salah satu bank yangg berlomba-lomba dalam mendapatkan pendapatannya dengan membuat suatu produk tabungan Smart iB yang merupakan salah satu produk tabungan yang unggul di bank tersebut dan menggunakan prinsip Mudharabah Mutlaqah dimana akad mudharabah yang memberikan kebebasan penuh kepada mudharib dalam mengelola modal yang diberikan oleh shahibul mal. Tabungan Smart iB ini menggunakan nisbah atau bagi hasil yang nantinya akan disepakati bersama.
Analisis Strategi Marketing Pada Tabungan Smart IB Payroll (Studi Kasus KCP Bank Sumut Syariah Simpang Kayu Besar) Anggraini, Tuti; Effendi, Lutfiah
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Dengan tujuan untuk memudahkan bisnis perbankan, khususnya kenyamanan dan keamanan nasabah perbankan yang sebenarnya, sistem perbankan di Indonesia saat ini sedang berkembang pesat. Dengan perjanjian kerja sama yang telah terjalin dengan unit Kantor Cabang Bank Sumut, gaji pegawai non ASN dapat disalurkan melalui produk tabungan yang dikenal dengan nama “Tabungan Smart ib payroll”. dapat menarik uang dari ATM manapun.Penelitian ini bertujuan untuk dapat mengkaji strategi pemasaran dan konsep sistem marketing  produk tabungan smart ib payroll di Bank Sumut Syariah KCP Simpang Kayu Besar.Penulis penelitian mengkombinasikan Menggunakan teknik deskriptif analisis dengan strategi penelitian kualitatif.
Analisis Strategi Pemasaran Produk Pembiayaan Kepemilikan Rumah Dalam Meningkatkan Profitabilitas Pada Bank Sumut KCP Syariah Kota Baru Marelan Asy’ary, Muhammad Hasan; Nasution, Muhammad Lathief Ilhamy; Anggraini, Tuti
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 7 No 2 (2024): Artikel Periode Research Juli 2024
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v7i2.1773

Abstract

Pembiayaan dengan perhatian khusus berpotensi turun menjadi pembiayaan di bawah standar. Oleh karena itu, bank harus bertindak cepat agar pembiayaan tersebut tidak menjadi non-performing. Untuk mengetahui bagaimana PT Bank Sumut KCP Syariah Kota Baru Marelan memasarkan produknya guna meningkatkan profitabilitas pembiayaan kepemilikan menjadi tujuan penelitian ini. Penelitian ini membahas mengenai strategi penyelesaian permasalahan pembiayaan. Untuk itu, teori-teori tentang apa yang dimaksud dengan pembiayaan, jenis pembiayaan apa yang bermasalah, bagaimana mengklasifikasikan profitabilitas, apa penyebab pembiayaan bermasalah, cara mengatasi pembiayaan bermasalah, manfaat, dan ciri-cirinya dijadikan sebagai titik tolak. Penelitian ini menggunakan metodologi deskriptif dan bersifat kualitatif. Topik penelitian ini adalah Bank KCP Syariah Sumut Kota Baru Marelan. Sumber data primer dan sekunder digunakan. Tiga pendekatan digunakan untuk memperoleh data: dokumentasi, wawancara, dan observasi. Temuan penelitian menunjukkan bahwa Bank Sumut KCP Syariah Kota Baru Marelan menggunakan penjangkauan nasabah, penagihan yang sering dan intensif, surat peringatan, restrukturisasi, dan eksekusi penjaminan sebagai bagian dari strategi pemasaran produk pembiayaan kepemilikan dalam upaya meningkatkan profitabilitas
Analisis Kinerja Keuangan Bank Syariah Indonesia dengan Menggunakan Metode Eagels Periode 2018-2020 Maghfirah, Nur; Anggraini, Tuti
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 3 (2022): JIEI : Vol.8, No.3, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i3.6818

Abstract

Bank Syariah Indonesia is one of the banks that offers various types of products and services. In 2018, Bank Syariah Indonesia faced high challenges. Indonesia's unfavorable economic conditions have an impact on the customer's financing business so that their finances decline. The decline in the quality of productive assets in 2018 prompted the company to increase reserves for asset losses, so that profits in 2018 were under pressure. This study aims to analyze the financial performance of Indonesian Islamic Banks using the EAGLES assessment aspect.This type of research is quantitative descriptive. This research describes systematically, factually, and accurately about the facts and characteristics of a particular population, or tries to describe the phenomenon in detail. In this study the data source used is secondary data. Aspects used to measure the financial performance of Bank Syariah Indonesia, namely, the ability to generate, asset quality, growth rate, liquidity, equity and strategic management.The results showed that the financial performance of the Indonesian Islamic Bank in terms of earning ability with ROA and ROE ratios obtained an average ratio of 0.25% and 3.11%, respectively. Judging from the aspect of asset quality, the NPF ratio obtained an average of 5.94%. The growth rate aspect which consists of the DGR and LGR ratios has an average ratio of 8.63% and 15.59%, respectively. Judging from the liquidity aspect with the FDR ratio, the average ratio is 23.33%. The equity aspect using the CAR ratio obtained an average of 12.55%. Judging from the strategic management aspect, the SRQ By Personnel ratio shows an average of 46.80%. Based on the results of the study, it can be found that the financial performance of Indonesian Islamic Banks in terms of the ROA and ROE ratios shows poor financial performance. The NPF and DGR ratios show a fairly good financial performance. Judging from the SRQ by Personnel ratio, it shows poor financial performance. Meanwhile, from the ratio of CAR, LGR and FDR, the financial performance of Bank Syariah Indonesia shows a very good performance.
Pengaruh Pengalaman Nasabah Dalam Penggunaan MBanking Terhadap Loyalitas Nasabah Bank Syariah Indonesia (Studi Kasus Masyarakat Sei Mencirim) Syahira, Tira; Indra, Ahmad Perdana; Anggraini, Tuti
Jurnal Ilmiah Ekonomi Islam Vol. 10 No. 1 (2024): JIEI : Vol.10, No.1, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i1.13347

Abstract

The purpose of this research is to determine whether a company's ability to retain its current customers is more important than its ability to acquire new customers. BSI wants to increase customer satisfaction and service quality by growing customer loyalty through mobile banking. Even though many BSI clients already have BSI Mobile, not all of them make full use of it. Therefore, the level of customer loyalty when using BSI Mobile is not too high. This is based on consumer interviews with BSI mobile banking users which show that consumers often decide to make transactions via BSI Mobile. The reason is that BSI Mobile is more user friendly and convenient; all you need is a smartphone to use it anytime, anywhere. For customers who decide not to use BSI Mobile for transactions due to lack of security, increased vulnerability to fraud, and ease of hacking. The aim of this research is to analyze and assess how customer experience and service quality influence BSI mobile banking customer loyalty, both partially and simultaneously. A quantitative approach was used in this research. This data was collected through survey research techniques on BSI customers who use mobile banking services. Customer loyalty and service quality in BSI mobile banking are positively and significantly influenced by customer experience, according to research findings
ANALISIS DITERMINAN LIKUIDITAS BANK UMUM SYARIAH DENGAN UKURAN BANK SEBAGAI VARIABEL MODERATING Fitri; Soemitra, Andri; Anggraini, Tuti
Media Ekonomi Vol. 31 No. 1 (2023): April
Publisher : Lembaga Penerbit Fakultas Ekonomi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/me.v31i1.17289

Abstract

To analyze whether there is an influence of ROA on liquidity with bank size as a moderating variable for Sharia Banking in Indonesia. The population of this study includes annual report data from Islamic banks in Indonesia. The number of sharia banks in Indonesia in 2020 is 16 banks. The type of data used in this research is secondary data. The research method used in this research is multiple regression analysis, namely, analysis carried out to measure the magnitude of the influence of the independent variable on the dependent variable. Based on descriptive statistics regarding dependent and independent variables. Based on the results of statistical tests and discussion, the following conclusions can be drawn: CAR's effect on liquidity is moderated by bank size in Sharia banking companies in Indonesia from 2018-2022. NPF has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022 BOPO has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022. ROA has a significant effect on liquidity, moderated by bank size in Islamic banking companies in Indonesia from 2018-2022.
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.
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