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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 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 Nuras : Jurnal Pengabdian Kepada Masyarakat 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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PENGARUH PERSEPSI KEBERMANFAATAN, KEMUDAHAN PENGGUNAAN, DAN RISIKO TERHADAP MINAT MENGGUNAKAN LAYANAN MOBILE BANKING DENGAN ATTITUDE TOWARD USING SEBAGAI VARIABEL INTERVENING (STUDI KASUS MAHASISWA UIN SUMATERA UTARA PENGGUNA BSI MOBILE) Lutfiah, Dhita; Lubis, Fauzi Arif; Anggraini, Tuti
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.10683

Abstract

With attitude towards usage as an intervening variable, this study intends to determine the link and influence of perceptions of utility, usability, and risk to interest in using mobile banking services. (Study on Mahasiswa in Sumatera Utara Using Bsi Mobile). The study employs an associative quantitative methodology to explain how perceptions of utility, usability, and risk affect interest in utilising mobile banking services, with attitude towards use serving as an intermediary variable. The study is titled "Studi Kasus Mahasiswa Uin Sumatera Utara Pengguna Bsi Mobile." Primary data came from questionnaires that respondents themselves filled out, while secondary data came from books, journals, research findings, practical work reports, and information linked to the author's research topics. The population for this study will consist of all 25.188 North Sumatra students from 2019 to 2022 (https://sumut.bps.go.id). There will be 99 participants in this study. The study's findings indicate that the Attitude Towards Using in Using Mobile Banking Services is significantly influenced by the Usability Perception variable. Keywords : Usefulness, Ease of Use, Risk, Interest, Attitude Toward using
ANALISIS KAFALAH DAN QARDH DI INDONESIA Asriadi, Ari; Asmuni, Asmuni; Anggraini, Tuti
JURNAL ILMIAH EDUNOMIKA Vol. 8 No. 1 (2024): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jie.v8i1.11396

Abstract

An Islamic bank is a type of financial institution that operates by Islamic principles and rules and provides various banking services using different types of contracts or agreements that comply with Sharia law. These banks, in terms of Islamic banking, Qardh contracts are one of the most commonly used contracts. This study aims to engage the effect of the kafalah (guarantee or surety) component and the role of loan capital in implementing the qardh concept. Time series data obtained from the Financial Services Authority from 2018 to 2022 is used for this quantitative research. This study used multiple linear regression as the analysis to evaluate the effect. The results show that the Kafalah variable does not significantly impact the Qardh variable. Although the two types of contracts are most commonly used in Islamic banking practices, the main difference between them lies in the way they are implemented and applied. In Islamic bank guarantee products, the contract is known as kafalah. Qardh variables are affected by the loan capital. Qardh contracts do not impose any reward on the borrower of money or the recipient of assets. Due to its nature, the Qardh contract does not aim to generate financial profit; instead, it aims to help small businesses, social causes, and other organizations.
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
Implementation of Integrated Marketing Communication in Enhancing the Competitiveness of the Cicil Emas Product Based on Maqashid Syariah at BSI KCP Medan AH. Nasution Putri, Kennadem Kurnia; Nasution, Muhammad Syukri Albani; Anggraini, Tuti
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.646

Abstract

This study examines the implementation of Integrated Marketing Communication (IMC) in enhancing the competitiveness of the Cicil Emas (Gold Installment) product at Bank Syariah Indonesia (BSI) KCP Medan AH. Nasution, based on the values of maqashid syariah. Using a qualitative case study approach, data were collected through interviews, observations, and document analysis to explore how IMC strategies support the bank’s efforts in promoting sharia-based products. The findings indicate that IMC plays a strategic role in strengthening BSI’s market position through the integration of advertising, public relations, literacy education, and digital marketing. The study also reveals that aligning IMC with maqashid syariah, particularly hifz al-maal (protection of wealth) and al-‘adl (justice), helps ensure that every marketing message reflects ethical and spiritual values. Despite challenges such as fluctuating gold prices and limited public literacy, the synergy between IMC and maqashid principles has enhanced customer trust and increased product participation. This research emphasizes that sharia-based IMC is not merely a marketing tool but a means of Islamic economic da’wah, fostering sustainable competitiveness grounded in transparency, justice, and blessings.  
Analysis of the Impact of Fund Withdrawals by the Central Leadership of Muhammadiyah on Bank Syariah Indonesia (BSI) Solin, Naia Fingkani; Kusmilawaty, Kusmilawaty; Anggraini, Tuti
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.3072

Abstract

Muhammadiyah is the largest religious organization in Indonesia that has relationships with Islamic financial institutions, including Bank Syariah Indonesia (BSI). The main issue in this study is the tension between religious institutions and Islamic financial institutions. Therefore, this research aims to analyze the impact of fund withdrawals by Muhammadiyah on BSI as the largest national Islamic bank in Indonesia. This study uses a descriptive qualitative method with documentation studies on secondary data, including financial reports, official news, and relevant academic publications. The results show that Muhammadiyah’s fund withdrawal affects BSI’s Third Party Funds (DPK) position and the financing-to-DPK ratio, while the most significant impact is on BSI’s institutional image and public trust in Islamic banking in general. Thus, Muhammadiyah’s decision to withdraw its funds from BSI has strategic implications for the national Islamic financial ecosystem.
STRATEGI SEGMENTASI PASAR DALAM MENINGKATKAN JUMLAH NASABAH PADA BANK SUMUT KCP SYARIAH LUBUK PAKAM Ariesta, Syahna; Syakir, Ahmad; Anggraini, Tuti
NISBAH: Jurnal Perbankan Syariah Vol. 11 No. 2 (2025): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v11i2.22072

Abstract

Persaingan yang semakin ketat di industri perbankan menuntut strategi pemasaran yang lebih efektif untuk mempertahankan dan memperluas basis nasabah. Bank Sumut KCP Syariah Lubuk Pakam mengalami fluktuasi jumlah nasabah pembiayaan, menurun dari 500 pada tahun 2019 menjadi 407 pada tahun 2020, sebelum meningkat kembali menjadi 997 nasabah pada pertengahan tahun 2025. Situasi ini menunjukkan bahwa diperlukan pendekatan yang lebih terfokus untuk menjamin perkembangan konsumen yang stabil. Penelitian ini menggunakan teknik analisis SWOT (Strengths, Weaknesses, Opportunities, Threats) untuk melihat bagaimana Bank Sumut KCP Syariah Lubuk Pakam menerapkan taktik segmentasi pasar. Penelitian ini menggunakan metode kualitatif deskriptif dengan data yang dikumpulkan melalui wawancara, observasi, dan dokumentasi yang melibatkan kepala cabang, bagian pemasaran, dan beberapa nasabah yang dipilih secara purposive. Temuan penelitian menunjukkan bahwa segmentasi pasar dilakukan berdasarkan aspek demografi, geografis, dan perilaku. Kekuatan utama bank terletak pada produk berbasis Syariah yang kompetitif, layanan yang responsif, dan lokasi yang strategis. Kelemahannya meliputi kegiatan promosi yang tidak konsisten dan keterbatasan sumber daya manusia pemasaran. Peluang muncul dari meningkatnya literasi publik dalam keuangan Islam dan kebijakan pemerintah yang suportif, sementara ancaman utama berasal dari persaingan dengan lembaga keuangan lain dan pergeseran perilaku nasabah ke arah layanan digital. Secara keseluruhan, strategi segmentasi berbasis SWOT terbukti efektif dalam meningkatkan jumlah nasabah, terutama melalui promosi digital yang lebih intensif dan pendekatan berbasis komunitas
Implementation of Integrated Marketing Communication in Enhancing the Competitiveness of the Cicil Emas Product Based on Maqashid Syariah at BSI KCP Medan AH. Nasution Putri, Kennadem Kurnia; Nasution, Muhammad Syukri Albani; Anggraini, Tuti
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.646

Abstract

This study examines the implementation of Integrated Marketing Communication (IMC) in enhancing the competitiveness of the Cicil Emas (Gold Installment) product at Bank Syariah Indonesia (BSI) KCP Medan AH. Nasution, based on the values of maqashid syariah. Using a qualitative case study approach, data were collected through interviews, observations, and document analysis to explore how IMC strategies support the bank’s efforts in promoting sharia-based products. The findings indicate that IMC plays a strategic role in strengthening BSI’s market position through the integration of advertising, public relations, literacy education, and digital marketing. The study also reveals that aligning IMC with maqashid syariah, particularly hifz al-maal (protection of wealth) and al-‘adl (justice), helps ensure that every marketing message reflects ethical and spiritual values. Despite challenges such as fluctuating gold prices and limited public literacy, the synergy between IMC and maqashid principles has enhanced customer trust and increased product participation. This research emphasizes that sharia-based IMC is not merely a marketing tool but a means of Islamic economic da’wah, fostering sustainable competitiveness grounded in transparency, justice, and blessings.  
Generation Z Preferences in Financial Risk Management (A Comparative Study of Emergency Funds and Sharia Insurance) Kusuma, Annisa Ayu; Anggraini, Tuti; Soemitra, Andri
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol 7 No 3 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i3.1759

Abstract

This study aims to examine Generation Z's preferences in choosing financial risk management strategies, with a focus on comparing the use of emergency funds and Islamic insurance. Generation Z, known for their adaptability to technology and information, faces complex financial challenges amidst global economic uncertainty. Using a descriptive qualitative approach, data were obtained from in-depth interviews with a number of Generation Z respondents in urban areas. The results show that although the majority of respondents understand the importance of emergency funds as a form of short-term protection, there is increasing interest in Islamic insurance as an alternative that is considered more systematic and in line with religious values. The main factors influencing this preference include the level of financial literacy, trust in Islamic financial institutions, and perceptions of long-term benefits. These findings are expected to contribute to the development of more relevant financial education strategies for the younger generation. In Press, Journal Pre-proof. Journal pre-proofs are Articles in Press that have been peer reviewed and accepted for publication by the Editorial Board of this publication. They have undergone enhancements after acceptance, such as the addition of a cover page and metadata, and formatting for readability, but are not yet definitive versions of record. These versions will undergo additional copyediting, typesetting, and review, and may not yet have full functionality. For example, supplementary files may still need to be added, links to references may not resolve yet, etc. The text could still change before final publication. Although journal preprints do not yet include all bibliographic details, they can be cited using the year of online publication and the DOI, as follows: author(s), article title, Publication (year), DOI. Please consult the journal’s reference style for the exact appearance of these elements, abbreviation of journal names, and use of punctuation. When the final article is assigned to a volume/issue of the publication, the Article in Press version will be removed, and the final version will appear in the associated published volumes/issues of the publication. The date the article was first made available online will be carried over.
Peran Digitalisasi dan Branding UMKM dalam Meningkatkan Daya Saing Ekonomi Lokal Berdasarkan SDG 8 dan SDG 9 : Studi Kasus Apotek Kasih Ibu dan Herawati Cake di Balige Harahap, Faris Andrawika; Akbar, Ahmad Yusuf; Nawawi, Zuhrinal M; Anggraini, Tuti
Nuras : Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2026): January (In Progress)
Publisher : Lembaga Pendidikan, Penelitian, dan Pengabdian Kamandanu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/nuras.v6i1.804

Abstract

This community service activity aims to implement and evaluate the role of digitalization and branding strategies in increasing competitiveness and developing the local economy of two Micro, Small, and Medium Enterprises (MSMEs) in Saribu Raja Janji Maria Village, Balige, namely Apotik Kasih Ibu and Herawati Cake. This activity uses a qualitative descriptive method involving three stages: 1) initial observation and assessment; 2) intervention (implementation of QRIS at Apotik Kasih Ibu and development of brand identity strengthening strategies at Herawati Cake); and 3) final evaluation through interviews and documentation. The results of the activity show a measurable impact of the intervention, where the implementation of QRIS at Apotik Kasih Ibu increases the efficiency of cashier transaction times by an average of 30%, and increases customer convenience. The branding strategy at Herawati Cake has succeeded in strengthening the business image as shown by a 45% increase in social media engagement and expansion of market reach outside the sub-district. These two interventions support SDG 8 and SDG 9. The synergy between digitalization and branding has proven effective as a model for accelerating modern and sustainable village economic development, and has the potential to be replicated as a best practice for strengthening the community-based digital economy.
Co-Authors Adrian, Muhammad Fikri Ahmad Riyansyah, Ahmad Akbar, Ahmad Yusuf 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 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 Hanafi, Burhan Harahap, Aswan Nawawi Harahap, Faiza Shakira Saina Harahap, Faris Andrawika Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Muthia Hafsari 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 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 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 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 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