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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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IMPLEMENTASI AL RAHN DAN WADIH DI LEMBAGA KEUANGAN SYARIAH Azahar Siregar, Rahmat; Marliyah, Marliyah; Anggraini, Tuti
Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Vol 7, No 1 (2022): Al-Muaddib : Jurnal Ilmu-Ilmu Sosial dan Keislaman
Publisher : Universitas Muhammadiyah Tapanuli Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31604/muaddib.v7i1.64-68

Abstract

Penelitian ini bertujuan untuk melihat penerapan akad Al Rahn dan Wadiah di Lembaga Keuangan Syariah. Perkembangan Lembaga keuangan syariah saat ini mengalami peningkatan, dimana banyak dilihat atau bermunculan Lembaga keuangan syariah seperti Bank Umum Syariah, Bank Perkreditan Rakyat Syariah dan Unit Usaha Syariah. Perkembangan ini tidak diiringi dengan pemahaman masyarakat tentang akad-akad yang ada di Lembaga keuangan syariah, untuk itu peneliti melakukan penelitian tentag akad Al rahn dan wadiah yang ada di Lembaga keuangan syariah. Jenis penelitian ini adalah penelitian deskrisptif kualitatif dengan menggunakan data skunder, yang diambil dari buku-buku dan jurnal yang berkaitan dengan Al rahn dan wadiah. Hasil penelitian menunjukan, bahwa alrahn yang ada di Lembaga keuangan syariah atau bank umum syariah digunakan pada produk gadai emas. Sedangkan, wadiah digunakan pada produk tabungan, deposito, dan save deposit box.
Analisis Strategi Perbankan Syariah Dalam Menghadapi Konstruksi Ekonomi 5.0 Ditinjau Melalui Analisis SWOT (Studi Kasus PT. Bank Syariah Indonesia KCP Medan Padang Bulan) Wardani, Aisyatul; Anggraini, Tuti; Harahap, Rahmat Daim
Journal of Student Development Informatics Management (JoSDIM) Vol 3, No 2: JoSDIM | Desember 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/josdim.v3i2.5163

Abstract

Economic Construction 5.0 is a society that can solve various social challenges and problems by utilizing various innovations that were born in the era of the Industrial Revolution 4.0 such as Internet on Things (internet for everything), Artificial Intelligence (artificial intelligence), Big Data (large amounts of data) , and robots to improve the quality of human life. It is hoped that this research can add to the body of knowledge in the field of sharia banking, especially those related to the problem of sharia banking in facing economic construction 5.0 viewed through SWOT analysis, which can be used as reference material for further research that carries out similar research. The problem formulation of this research is how PT. BSI KCP Medan Padang Bulan and what obstacles are faced in facing Economic Construction 5.0 are reviewed through SWOT Analysis and what solutions or efforts are made to face these obstacles. This research uses a qualitative research model with a case study approach model, namely a research approach that tries to explore real life through detailed and in-depth data collection involving various sources of information, whether in the form of interviews, document observations or reports by describing the objects of the research case.
Analisis Strategi Pemasaran Pembiayaan KPR FLPP Pada Perumahan Bersubsidi Dengan Akad Murabahah (Studi Kasus PT Bank Syariah Indonesia,Tbk Syariah KC Medan Aksara) Yuditia, Oppi Yolanda; Anggraini, Tuti; Harahap, Rahmat Daim
Journal of Student Development Informatics Management (JoSDIM) Vol 3, No 2: JoSDIM | Desember 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/josdim.v3i2.5164

Abstract

The aim of this research is to analyze and find out the marketing strategy and financing procedures for FLPP KPR in subsidized housing at PT Bank Syariah Indonesia, Tbk KC Medan Aksara. The method used is qualitative with primary and secondary data sources. The results of this research are PT Bank Syariah Indonesia, Tbk KC Medan Aksara to develop and market FLPP KPR Financing products using the Marketing Mix method. 7P, namely Product, Price, Place, Promotion, People, Physical Evidence, Process strategy. Obstacles due to rising housing production costs (building materials, labor wages, and land prices which continue to soar). PT Bank Syariah Indonesia, Tbk KC Medan Aksara mostly uses murabahah financing contracts from the Financing Application stage, Financing Evaluation, Financing Structure, Issuance of Financing Decree, Contract Implementation, up to Financing Disbursement is in accordance with the provisions of the Fatwa of the National Sharia Council of the Indonesian Ulema Council No: 04/DSNMUI/IV/2000 concerning Murabahah. The obstacles found were seen from various parties, including debtors, developers and banks.
ANALYSIS OF THE IMPLEMENTATION OF THE IJARAH ASSET TO BE LEASED AGREEMENT IN THE LATEST DEVELOPMENT OF RETAIL SUKUK SALES IN INDONESIAN SHARIA BANK (CASE STUDY OF INDONESIAN SHARIA BANK KC S.PARMAN MEDAN) Ramadhani, Anggraini; Anggraini, Tuti; Inayah, Nurul
JURNAL EKBIS Vol 25 No 1 (2024): EKBIS (Jurnal Analisis, Prediksi dan Informasi
Publisher : Universitas Islam Lamongan

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

Abstract

The Indonesian government offers retail sukuk as an investment product for retail investors, in accordance with sharia principles. This research uses a qualitative research approach with a focus on case study methodology. The data sources used in this research consist of primary data obtained through observation and interviews. Meanwhile, secondary data was obtained from retail sukuk research and other relevant literature. The data validity method used in this research is called data source triangulation. The data analysis process begins with data collection, continues with organizing and categorizing the data, and finally identifying themes for interpretation. Therefore, the findings of this research include the results of the analysis of the implementation of SR 019-T3 retail sukuk at BSI KC S.parman Medan. The results of research findings and analysis will be presented as an illustration of how sales are carried out by banks, including a description of the obstacles and benefits faced. There are several advantages to investing in retail sukuk. However, retail sukuk also have their own risks. BSI is actively marketing retail sukuk through social media, and many students are starting to research retail sukuk and savings provided by SBSN agents or distribution partners.
OPERATIONAL RISK ANALYSIS IN ISLAMIC BANKING: A CASE STUDY IN INDONESIA Prabowo, agus P; Anggraini, Tuti
JURNAL EKBIS Vol 25 No 1 (2024): EKBIS (Jurnal Analisis, Prediksi dan Informasi
Publisher : Universitas Islam Lamongan

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

Abstract

This study analyzes operational risk in Islamic banking in Indonesia, focusing on identifying the types of operational risks faced and strategies to manage them. Operational risks cover a wide range of issues such as human error, system failure, and non-compliance with sharia regulations and principles. The study utilized a qualitative approach through in-depth interviews with risk and internal audit managers from several leading Islamic banks in Indonesia. The results show that the most significant operational risks in Islamic banking in Indonesia are human error risk, information technology failure, and sharia compliance risk. To address these risks, Islamic banks have implemented various strategies such as improving internal controls, training and developing human resources, and investing in information technology. In addition, compliance with sharia regulations and principles is also improved through monitoring regulatory changes and implementing strict sharia compliance policies. The study also found that adaptation to economic and social changes is an important factor in enhancing the resilience of Islamic banking. Islamic banks in Indonesia develop the capacity to respond to changes quickly through monitoring economic and social trends and developing quick and effective responses. In conclusion, with the implementation of comprehensive and integrated strategies, Islamic banking in Indonesia can significantly reduce operational risk and increase its resilience to economic and social changes, thereby providing better services to customers and ensuring sustainable growth.
The current phenomenon of Ar-Rahn and Wadi'ah Hayati, Keumala; Asmuni, Asmuni; Anggraini, Tuti
Accounting and Business Journal Vol 5 No 1 (2023): ACCOUNTING AND BUSINESS JOURNAL
Publisher : Lembaga Jurnal & Seminar Universitas Pembangunan Panca Budi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54248/abj.v5i1.4621

Abstract

This study aims to obtain field results regarding the tendency of public interest in sharia and conventional pawning, which, as we know, conventional pawning provides quite high interest. Today, technological developments are increasing rapidly in line with the business world. The Covid 19 storm resulted in chaos in the business supply chain which had an indirect impact on people's businesses and income. During a pandemic, the percentage of people setting aside their income to save or invest decreased. The performance of pawnshops which continued to grow during the pandemic gave the fact that many people needed fresh funds to continue their lives or to do business. The presence of private pawnshops in the city of Medan cannot be underestimated. OJK noted that there was an increase in the management of pawning permits from 46 pawn businesses. This proves the existence of a pawn business and the benefits it provides to the community. The method used in this study is qualitative research to understand human or social phenomena and supported by literature. The results of this study are that people prefer pawnshops that are always there during an emergency, even if it's a private pawnshop that pays high interest and violates Islamic law
Authentic Leadership, Komitmen Efektif dan Job Resourcefullness dalam Membentuk Kreatifitas dan Kinerja Pegawai Bank Syariah Indonesia (KCP Perbaungan) Manurung, Nurlatifah; Yafiz, Muhammad; Anggraini, Tuti
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 2 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i2.5240

Abstract

This study aims to examine the effect of authentic leadership, effective commitment, and job resourcefullness in shaping employee creativity and performance. The population in this researcher is all employees of Bank Syariah Indonesia (kcp Perbaungan). This research uses quantitative methods, the sample taken in this study was 35 respondents using the saturated sample method. The tool used is multiple linear regression with the help of the SPSS program. The results of the t test, the value of t count < t table where -1.199 < 2.03 with sig 0.240, meaning that authentic leadership has no effect in shaping creativity, 3.199 < 2.03 with sig 0.240, meaning authentic leadership has no effect in shaping creativity, 4.416 > 2.03 with sig 0. 000, meaning that effective commitment has a positive effect in shaping creativity, 5,366> 2.03 with sig 0.000, meaning effective commitment has a positive effect on performance, 3,611> 2.03 with sig 0.001, meaning job resourcefullness has a positive effect in shaping creativity, 3,522> 2.03 with sig 0.001, job resoucefullness has a positive effect in shaping performance. Authentic Leadership is an important leadership style for leaders in the Islamic bank industry in Indonesia. Authentic Leadership will increase the affective commitment of employees, and will increase the Job Resourcesullness of subordinates. affective commitment and Job Resourcesullness will shape employee creativity and performance.
Analisis SWOT Terhadap Tabungan IB Hijrah Haji Studi Kasus Bank Muamalat Kcp Stabat Nurhasanah, Upik; Anggraini, Tuti
Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Vol 14, No 2 (2023): November
Publisher : Universitas Batanghari Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33087/eksis.v14i2.406

Abstract

The large costs that must be incurred to perform the Hajj pilgrimage are an obstacle for residents of Langkat. IB Hijrah Haji Savings is one of the savings that will simplify the process of traveling to Hajj. Who would have thought that there are still many people who don't know and don't know about Hajj savings, so the number of customers at Bank KCP Stabat is not needed. The problem formulation in this research was strengthened using SWOT analysis of IB Hijrah Haji Muamalat KCP Stabat Savings Bank. The original aim of this research was to find out how the number of IB Hijrah Haji Savings customers at Bank Muamalat KCP Stabat has developed and increased. The research method used in this research is theoretical and qualitative. Data collection uses interview methods and personal observation of the objects studied. The results of the SWOT matrix study show that Bank KCP Stabat loans have advantages consisting of good and quite fast service, free management fees, daily or monthly savings options and life premiums. The weakness of IB Hijrah Haji Savings is the lack of promotion due to inadequate human resources. The facilities offered by Hijrah Haji IB Savings are located in an environment that is generally dominated by Muslim residents so that it attracts the interest of other customers, as well as a strategic location that is easy to reach. The threat to the ib Hijrah Haji savings product is intense competition due to gaps between neighboring banks and crucial customer patterns when the same product is compared between banks..
The Effect of Implementation of Good Corporate Governance And Sharia Compliance On Customer Satisfaction of Bank Syariah Indonesia Sub-Branch Office Medan Cemara Asri Sinaga, Muhammad Syahputra; Nasution, Muhammad Lathief Ilhamy; Anggraini, Tuti
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 10 No 1 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Agustus 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/isbank.v10i1.1216

Abstract

Both commercial banks and Islamic banks, good corporate governance (Gcg) and sharia compliance (SC) are fundamental elements. The effect of sharia compliance and good corporate governance on customer satisfaction and loyalty at Bank Syariah Indonesia Medan KC Cemara Asri, after processing and statistical analysis of the data obtained from the questionnaire answers in the IBM SPSS Statistics 25 program is at Bank Syariah Indonesia Sub-Branch Medan Cemara Asri, good corporate governance has a positive and significant effect on customer loyalty is one of the positive and large effects of good corporate governance features at Bank Syariah Indonesia Sub-Branch Medan Cemara Asri, Medan. At Bank Syariah Indonesia Sub-Branch Medan Cemara Asri, customer satisfaction is positively influenced by the Sharia Compliance variable. In accordance with the name of the institution, Bank Syariah Indonesia Sub-Branch Medan Cemara Asri has carried out sharia compliance well. The customer loyalty variable is positively and significantly influenced by the sharia compliance variable. The stronger the foundation, the more customers will trust the bank to be involved in their transactions. These elements are the basis for assessing the satisfaction of bank customers in using bank services during transactions. The questionnaire is one of the techniques or procedures that researchers can use to collect data in this study. Validity test, reliability test, normality test, classical assumption test, multiple linear regression test, hypothesis test, and coefficient of determination test are procedures used for data analysis. In this study, quantitative research was used.
The Influence of Features, Convenience, and Security on Customer Satisfaction in Bank Sumut Syariah Digital Banking Services Simpang Kayu Besar Effendi, Lutfiah; Sugianto, Sugianto; Anggraini, Tuti
Journal of Applied Business Administration Vol 8 No 1 (2024): Journal of Applied Business Administration
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.v8i1.8097

Abstract

The development of information technology has changed the landscape of the banking industry by introducing digital services that facilitate services that are easier, faster and more efficient. Customer satisfaction, which is the main priority for banking, encourages improvements in existing banking services, especially digital services. This study aims to examine the influence of features, convenience, and security of digital banking services on customer satisfaction. The research employs purposive sampling, with the population being customers at Bank Sumut Syariah Simpang Kayu Besar, and the sample size is 85 individuals. Findings from the study indicate that features, convenience, and security partially have a significant positive effect on customer satisfaction. Simultaneous testing demonstrates that features, convenience, and security significantly positively influence customer satisfaction.
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