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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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Al-‘Urf dan Al-‘Adah: Relevansi dan Tantangannya dalam Pembentukan Hukum Ekonomi Islam Alfian, Ian ian; Nurhayati, Nurhayati; Anggraini, Tuti; Riyansyah, Ahmad
Jurnal Hukum Ekonomi Syariah Vol 8, No 2 (2024): Desember 2024
Publisher : Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/j-hes.v8i2.16326

Abstract

This research discusses the relevance and challenges of al-‘Urf and al-‘Adah in the context of rapid fintech development and globalization. Al-‘Urf, the commonly accepted customs within society, and al-‘Adah, local traditional practices, serve as secondary sources of law in Islam that provide flexibility in adapting Sharia law to social and economic changes. The advancement of technology and globalization has created new dynamics in economic practices that do not always align with classical Islamic law. Challenges such as cashless transactions, peer-to-peer lending, and digital investments often require new assessments through the principles of al-‘Urf and al-‘Adah to remain by Sharia. This research uses a qualitative approach through interviews and literature studies to identify the relevance, challenges, and solutions for applying al-‘Urf and al-‘Adah in the digital context. The research findings indicate cross-sector collaboration between scholars, academics, and business practitioners is necessary to establish adaptive Sharia standards. By recognizing new practices that do not contradict Islamic principles, al-‘Urf and al-‘Adah have the potential to strengthen justice and ethics in fintech transactions, as well as support the sustainability of the sharia economy in the global era.
Analysis of Opportunities and Risks in Financial Technology Innovation for Islamic Banking in Adapting to the Changing Financial Ecosystem: A Case Study Munthe, Raja Syahrial; Anggraini, Tuti; Harahap, Muhammad ikhsan
Journal La Sociale Vol. 5 No. 6 (2024): Journal La Sociale
Publisher : Borong Newinera Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37899/journal-la-sociale.v5i6.1891

Abstract

This study analyzes the opportunities and risks associated with financial technology (fintech) innovations in Islamic banking, with a specific focus on Bank Syariah Indonesia (BSI) North Sumatra Regional Office. The research is driven by the rapid advancements in fintech, which are reshaping the global financial ecosystem, including the Islamic banking sector. The study aims to evaluate the impact of fintech innovations on BSI's operations and explore strategies to leverage these opportunities while addressing inherent risks. A qualitative case study approach with a descriptive-analytical method was utilized, incorporating primary data from interviews and secondary data from relevant literature. The findings highlight that BSI North Sumatra Regional Office has implemented various fintech solutions that improve operational efficiency and promote financial inclusion. However, challenges persist, particularly in regulatory compliance, cybersecurity, and technological adaptation. The study concludes that a holistic and adaptive strategy is crucial for BSI to effectively integrate fintech innovations and maintain its competitiveness in a dynamic financial ecosystem.
Strategi Agen BSI Smart Dalam Memberikan Layanan Kepada Masyarakat Pedesaan (Studi Kasus di Kecamatan Babussalam Kabupaten Aceh Tenggara ) Salsabila, Raisya; M Nawawi, Zuhrinal; Anggraini, Tuti
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 3 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i3.27854

Abstract

This research explores the role of BSI Smart agents as an extension of BSI in increasing the accessibility of banking services for communities in remote areas. By using field research methods and a qualitative approach, this research also uses SWOT analysis by looking for weaknesses, strengths, opportunities and threats in the presence of BSI SMART Laku Pandai. This research finds that BSI Smart makes financial transactions easier, provides easy services, and reaches a wider community. Apart from that, BSI Smart also provides business opportunities for agents to earn additional income. The presence of BSI Smart agents also provides financial literacy education to the public, improving their ability to manage personal finances, reducing economic risks and improving overall quality of life.
Analisis Crowdfunding Syariah Berdasarkan Prinsip Syariah Compliance Serta Implementasinya Dalam Produk Perbankan Syariah (Studi Kasus Bank Muamalat) Lestari, Aprilia; Indra, Ahmad Perdana; Anggraini, Tuti
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 3 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i3.27949

Abstract

This research aims to analyze the application of sharia crowdfunding in the context of sharia compliance principles and its implementation in sharia banking products with a case study at Bank Muamalat. Sharia crowdfunding, as an alternative method of funding in accordance with sharia principles, offers the opportunity to accumulate various projects or businesses while still complying with the prohibitions on usury, gharar and maisir. This research discusses the application of sharia principles in sharia crowdfunding managed by Bank Muamalat, as well as how to integrate and implement this product in their sharia banking portfolio. The research methodology uses a qualitative approach with data analysis from internal bank reports, interviews with related parties, and literature studies on sharia principles and crowdfunding practices. The research results show that although sharia crowdfunding provides an innovative alternative. The main problems identified include late payments, defaults on projects, and difficulties in maintaining strict sharia compliance. This research recommends improvements in sharia monitoring mechanisms, sharpening operational guidelines, and training for sharia crowdfunding managers to ensure better and more effective products in meeting customer needs and sharia objectives.
Analisis Penyelesaian Complaint Handling pada Pelayanan Sistem Operasional di BSI KCP Cemara Asri Puspita, Windy; Nurwani, Nurwani; Anggraini, Tuti
JPEK: Jurnal Pendidikan Ekonomi dan Kewirausahaan Vol 8 No 3 (2024): JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan)
Publisher : Universitas Hamzanwadi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29408/jpek.v8i3.28917

Abstract

This research aims to determine the resolution of complaint handling at BSI KCP Cemara Asri. This research uses a descriptive qualitative research method that uses primary data and secondary data as sources of research data. The subject of this research is customer service at BSI KCP Cemara Asri. And the data collection techniques used were interviews and literature studies. This research found that the completion of complaint handling at BSI KCP Cemara Asri was carried out by customer service using a complaint handling resolution mechanism, namely carrying out standard service initiation, listening to customer complaints, saying apologies, asking customers for the chronology of complaints that occurred, verifying customer data, provide solutions to customers, ask customers to fill out a complaint form, and finally carry out standard service terminations. In completing complaint handling at BSI KCP Cemara Asri, there are supporting and inhibiting factors. So strategies need to be implemented to minimize the occurrence of customer complaints. So, to minimize the occurrence of customer complaints at BSI KCP Cemara Asri, what customer service must do in resolving complaint handling is to implement excellent service, namely providing information or explaining the products or services used by customers as well as explaining how to use the BSI Mobile application and Its function is so that later if a complaint occurs that is still relatively easy, the customer can resolve it themselves. So that it can minimize the occurrence of customer complaints in the future or similar complaints to these customers.
Makna Simbol Upacara Kematian: Suntiang Bungo Sanggua dan Saluak Anggraini, Tuti; Fitriani, Erda; Amri, Emizal
SOCIUS Vol 7 No 1 (2020): Jurnal Socius: Journal of Sociology Research and Education, Universitas Negeri Pa
Publisher : Labor Jurusan Sosiologi Fakultas Ilmu Sosial Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/scs.v7i1.179

Abstract

Artikel ini membahas tentang makna simbol pada upacara kematian masyarakat Nagari Salayo Kecamatan Kubung Kabupaten Solok, Sumatera Barat. Masyarakat Minangkabau yang beragama Islam melaksanakan prosesi upacara secara Islam seperti memandikan, mengkafani, menshalatkan dan menguburkan, akan tetapi di dalam pelaksanaan prosesi upacara kematian yang dilaksanakan masyarakat suatu nagari memiliki keunikan tertentu seperti halnya masyarakat Nagari Salayo. Pada saat mayat berada di dalam rumah dipakaikan suntiang bungo sanggua untuk mayat perempuan atau saluak untuk mayat laki-laki di bagian kepala. Simbol yang ada dalam upacara kematian dianalisa dengan teori interpretivisme simbolik oleh Clifford Geertz. Hasil penelitian ini mengungkapkan makna simbol yang ada dalam upacara kematian adalah penghormatan bagi orang yang meninggal, sebagai tanda orang beradat, hubungan kekeluargaan yang erat, dan solidaritas sosial.
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
Analysis Of The Implementation Of Internal Audit, Risk Management, And Customer Eligibility In Minimizing Problems In Financing Risks At Bank Sumut Syariah Kcp Kisaran Alfarezzi, Ahmad; Sugianto, Sugianto; Anggraini, Tuti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 8, No 1 (2024): JHSS (Journal of Humanities and Social Studies)
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v8i3.10827

Abstract

This study aims to determine "Analysis of the Application of Internal Audit, Application of Manajemen Resiko and Analysis of Customer Feasibility in Minimizing the Risk of Problematic Financing at Bank Sumut Syariah KCP Range". This research was conducted at Bank Sumut Syariah KCP Kisaran. The method in this study uses qualitative methods in the form of data research (field research). The results of this study are that Bank Sumut Syariah KCP Kisaran has implemented risk management through internal audits, the implementation of risk management by Bank SUmut Syariah KCP Kisaran covers all activities in the bank and the feasibility analysis of customers used at Bank Sumut Syariah using the 5C principle.
Analisis Pandangan Masyarakat Terhadap Perbankan Syariah Rizqiyah, Anisah; Maysarah, Maysarah; Vanessa, Vanessa; Anggraini, Tuti
Jurnal Ekonomi Manajemen Perbankan Vol 6 No 1 (2024): JEMPER Januari - Juni
Publisher : Prodi Manajemen S1 dan D3 Keuangan & Perbankan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32897/jemper.v6i1.2991

Abstract

Payageli village hamlet 1 is a village in Deli Serdang with a majority Muslim community. However, most Muslims in this village still do not understand sharia-based banks. Sharia banks are commercial institutions whose function is to collect public money and distribute money to the public with commercial operational systems and mechanisms based on Islamic law specified in the Al-Quran and Hadith. This research aims to provide information regarding the views of the village community regarding sharia banking. This research uses a qualitative method using a descriptive approach. Data collection in this research used observation, interviews, documentation and questionnaires. The conclusion of this research shows that the Payageli village community is aware of the existence of sharia banks. However, the people in this village still lack knowledge about the products and services available at sharia banks and there is a lack of education about sharia banking so that the people in this village are comfortable with conventional banks.
Strategic Management of Akad Salam and Istishna in e-Commerce Transactions: A Case Study of Unit-business Pesantren Manik, M. Rikwan ES.; Asmuni, Asmuni; Anggraini, Tuti
Idarah (Jurnal Pendidikan dan Kependidikan) Vol. 7 No. 1 (2023): Idarah: Jurnal Pendidikan dan Kependidikan
Publisher : Institut Agama Islam Negeri Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/idarah.v7i1.458

Abstract

Abstract: This study aims to investigate the e-commerce transaction management models of Akad Salam and Istishna in Pesantren (Islamic boarding institutions). Additionally, the study identifies challenges and opportunities within Pesantren organizations. It investigates Pesantren's potential to utilize e-commerce as a business unit facilitator. The research employs a qualitative methodology and a case study design. The five information sources consist of Pesantren leaders, coordinators of Pesantren business units, Pesantren treasurers, and the secretariat team. The findings suggest that Pesantren have a significant opportunity to leverage e-commerce for transactions based on the Akad Salam and Istishna principles. However, obstacles and the need for public education regarding these principles must be overcome. For the successful implementation of Akad Salam and Istishna in Pesantren e-commerce transactions, awareness, a precise understanding of legal and Shariah aspects, and the implementation of the appropriate technology are crucial. Pesantren must implement a comprehensive and unified strategy for managing Akad Salam and Istishna in e-commerce transactions in order to surmount these obstacles and capitalize on these opportunities. Abstrak: Tujuan penelitian untuk mengetahui model manajemen Akad Salam dan Istishna dalam Transaksi e-Commerce di Pesantren. Selain itu, penelitian ini juga mengidentifikasi tantangan dan Peluang pada Organisasi Pesantren. Penelitian ini menggali potensi pesantren dalam memanfaatkan e-commerce sebagai fasilitator penunjang unit usaha pesantren. Pendekatan ini berjenis kualitatif dengan teknik studi kasus. Sumber informan berjumlah lima orang yang terdiri dari pimpinan pesantren, koordinator unit usaha pesantren, bendahara pesantren dan tim kesekretariatan pesantren. Hasil penelitian menunjukkan Pesantren memiliki potensi yang besar untuk memanfaatkan e-commerce dalam transaksi berbasis akad Salam dan Istishna. Namun, tantangan dan kebutuhan pendidikan masyarakat terkait prinsip-prinsip tersebut harus diatasi. Kesadaran, pemahaman hukum dan syariah yang tepat, serta penerapan teknologi yang tepat menjadi faktor penting dalam keberhasilan implementasi akad Salam dan Istishna dalam transaksi e-commerce di pesantren. Dalam rangka mengatasi tantangan dan memanfaatkan peluang tersebut, pendekatan yang komprehensif dan terintegrasi dalam manajemen akad Salam dan Istishna dalam transaksi e-commerce di pesantren perlu diterapkan.
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