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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
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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Challenges of Digitalization In The Economy: The Penetration of Sharia Fintech in Aceh Rosalina, Dhian; Nurhayati, Nurhayati; Anggraini, Tuti
Economics, Business and Management Science Journal Vol 5, No 1 (2025): Economics, Business and Management Science Journal, February
Publisher : Mahesa Research Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34007/ebmsj.v5i1.768

Abstract

Most coastal communities engage in fishing and simultaneously operate as MSMEs (Micro, Small, and Medium Enterprises) that drive the coastal economy. Unequal access to financial services from banks and other financial institutions has created obstacles for MSMEs in accessing financial services. Financial technology (fintech) has become a viable economic solution supporting MSME development by providing quick, affordable, and accessible services.In Aceh Province, where Sharia law is implemented in economic activities, one of the government policies through Bank Indonesia in 2023—"maintaining economic stability with inclusive and green economic-financial policies through digitalization and expanding domestic and export market access for MSMEs and Islamic economic-financial systems"—is particularly relevant to the challenges faced by coastal MSMEs in eastern Aceh. The urgency of this research lies in the need to study the strengthening of Sharia fintech-based financial services to assist MSMEs in the fisheries sector in developing their businesses amidst limited banking services in coastal areas of eastern Aceh.  This research aims to develop a Sharia fintech penetration model that can accelerate MSME growth in the coastal areas of eastern Aceh. This study employs two approaches: the interactive model and SWOT analysis. Research informants will include representatives from Bank Aceh, Bank Syariah Indonesia, the Department of Communication and Information in eastern Aceh, and Sharia fintech providers in Aceh.
The Influence of Customer Satisfaction on Service Quality at Bank Syariah Indonesia KCP Medan Simpang Limun Zuhra, Annisa; Imsar, Imsar; Anggraini, Tuti
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 16, No 1 (2025)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v16i1.820

Abstract

This study aims to analyze the level of customer satisfaction regarding service quality at Bank Syariah Indonesia KCP Medan Simpang Limun using the Customer Satisfaction Index (CSI) approach. The method employed is quantitative research with a descriptive approach, involving 95 respondents selected through purposive sampling. The results show a significant effect between customer satisfaction and the quality of service provided. The simultaneous test (F-test) yielded a significance value of 0.000, which is less than 0.05, indicating that changes in customer satisfaction simultaneously affect service quality. The partial test (T-test) also supports this finding, where the calculated T value for the customer satisfaction variable is 11.201, much greater than the specified T table value of 1.985 with a significance level of 0.000. This study also results in a Customer Satisfaction Index (CSI) of 89.54%, which falls into the very satisfied category (81% - 100%). Thus, it can be concluded that Bank Syariah Indonesia KCP Medan Simpang Limun has successfully met customer expectations in terms of service quality, indicating that customer satisfaction is an important element that needs to be maintained and improved through continuous enhancement.
Pengaruh Dana Simpanan Wadiah Terhadap Bonus Wadiah Pada Bank Syariah Indonesia Periode 2021-2024 Rahma Sari Zein; Srisudiarti; Anggraini, Tuti
JOM Vol 6 No 1 (2025): Indonesian Journal of Humanities and Social Sciences, March
Publisher : Universitas Islam Tribakti Lirboyo Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33367/ijhass.v6i1.6953

Abstract

This study was conducted to examine the effect of wadiah savings funds on wadiah bonuses at PT Bank Syariah Indonesia. Wadiah bonuses are an important issue in Islamic banking as they represent a form of reward given to customers for their deposits, which can influence customers' decisions in choosing Islamic banking products. In this context, a better understanding of the factors affecting wadiah bonuses is crucial to enhancing the appeal of Islamic banking products and retaining customers. The variable "wadiah savings funds" is defined as the total deposits collected from customers in the form of wadiah savings, while "wadiah bonuses" are measured as the rewards given to customers based on their wadiah savings balances. The data for this study were obtained from the official website of Bank Syariah Indonesia. The method used in this study is multiple linear regression analysis, with hypothesis testing performed using t-statistics to examine the coefficients simultaneously at a 5% significance level. The analysis results show that the t-test for the variables of wadiah savings and wadiah demand deposits has a positive and significant effect on wadiah bonuses. Simultaneously, wadiah savings funds also have a positive and significant effect on wadiah bonuses. The adjusted R-squared value of the model is 0.424690, indicating that the independent variables explain 42.47% of the variation in wadiah bonuses, while the remaining percentage is influenced by other factors not included in this study. Thus, this study provides valuable insights for the development of Islamic banking products and more effective marketing strategies.
Mazhab Shahabi: Dinamika Fatwa Sahabat Mengenai Ba’i Al-Taqsith Dalam Pembiayaan Perumahan Syariah Pada Perbankan Syariah Santi Arafah; Nurhayati; Anggraini, Tuti
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 8 No. 2 (2024)
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22236/alurban_vol8.i2/17883

Abstract

The Mazhab Sahahabi is an alternative source of law after the Quran and Sunnah. The Sahabi madhhab is an opinion, theory, doctrine and belief in the form of a collective opinion of the Companions. This study aims to understand the dynamics of the fatwa of the companions regarding ba'i al-taqsith sharia housing. This research is qualitative with a library research approach, namely the data used in this research are sourced from various book literature related to the object of research, comparative techniques to conduct in-depth descriptive analysis in evaluating and comparing the various views of the Companions in dealing with Islamic legal issues. The results of the study state that the four shahabi mazhab allow bai' taqish in sharia housing finance in sharia banking as long as the transaction does not harm one of the parties and does not contain elements prohibited in Islam, such as usury or gharar.
TANTANGAN EKONOMI SYARIAH DALAM MENGHADAPI MASA DEPAN DI ERA GLOBALISASI Siregar, Tetty Handayani; Nurhayati, Nurhayati; Anggraini, Tuti
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 5 No. 1 (2025): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v5i1.893

Abstract

The purpose of this study is to analyze the factors that influence the development of Islamic Economics. These challenges include integration with the global market, development of competitive products and services, preparation of supportive regulations, and increasing public education and awareness. An integrated and collaborative strategy is needed to answer these challenges, involving the active role of the government, Islamic financial institutions, academics, and the community. This research method uses descriptive qualitative with data sources in the form of journals and books related to Islamic economics. The results of the study show that Islamic Economics faces increasingly diverse challenges along with the development of the global economy in the era of globalization. Dynamics such as changes in the structure of the global economy, the impact of technology, and innovation place Islamic Economics in a strategic position as well as full of challenges. This paper explores the main challenges faced by Islamic Economics in responding to future needs in the global era
PERANAN ‘URF DAN ADAT DALAM PEMBENTUKAN HUKUM ISLAM DAN IMPLIKASINYA TERHADAP EKONOMI SYARIAH Susanty, Widya; Nurhayati, Nurhayati; Anggraini, Tuti
Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Vol. 5 No. 1 (2025): Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi
Publisher : Lembaga Pengembangan Kinerja Dosen

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/jurimea.v5i1.895

Abstract

The purpose of this study is to analyze the role of 'urf and custom in the formation of Islamic law and its implications for Islamic economics. This study uses a qualitative approach with a library study method to explore the role of 'urf and customary customs in the formation of Islamic law and its impact on Islamic economics. Research data were collected from various literatures, such as books, journals, manuscripts. Document analysis techniques were applied to understand the concept of 'urf and custom from the perspective of Islamic law and its application in the contemporary socio-economic context. The results of the study indicate that Islamic economics, custom ('urf) has a significant role as one of the sources of law that can be used to answer contemporary economic problems. The application of 'urf in Islamic economics can be seen in the activities or transactions of buying and selling salam, bay al wafa' contracts, providing guarantees for the purchase of electronic goods, handover in single currency transactions (taqabuth) and others. Customs help shape local economic practices according to the needs of the community, such as in the buying and selling system, determining marriage dowries, economic cooperation, and distributing zakat and waqf.
Analisis Green economy Sebagai Paradigma Bank Syariah Indonesia Dalam Mendukung Sustainability Green Banking Purnama, Ira; Anggraini, Tuti
GEMA EKONOMI Vol 12 No 8 (2023): GEMA EKONOMI
Publisher : Fakultas Ekonomi Universitas Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55129/https://doi.org/10.55129/.v12i4.2927

Abstract

Many countries are currently facing the problem of depletion or decline of energy resources, natural resources and environmental pollution Exploitation of non-renewable natural resources contributes to the deterioration of environmental resources. This is due to human behavior that does not protect the environment. The threat of climate change and global warming further reduces the sustainability of the earth. The research method used a type of qualitative research, descriptive in nature using analysis. Based on the subject's point of view is more emphasized in this qualitative research. data collection techniques and qualitative analysis are more emphasis on meaning. A literature study is a research conducted by researchers by collecting a number of books and magazines related to the problem and for research purposes. global warming such as carbon emissions, plastic waste, and other issues. causing damage to the environment. 1. maqashid al-syariah theory 2. preserving the environment 3. Environmental ethics theory a. Anthropocentrism theory,b. Biocentrism theory, c. Ecocentrism theory 4. The need for national banking on Green Banking In the field of financial institutions, especially banks, the green initiative adopted is Green Banking.1.Green reward 2. Green investment 3.Green building 4. Paperwork or paperless 5.Reuse/recycle/refurbish Green Banking is a concept that encourages sustainable and environmentally friendly practices in the banking industry. It involves initiatives such as green buildings, paperless operations, and recycling practices. The aim is to minimize the impact on the environment. Green Banking is part of the broader concept of a green economy, aiming to balance economic development with environmental sustainability. Bank Syariah Indonesia (BSI) is one of the banks in Indonesia that has implemented Green Banking practices
Financing Provision and Sharia Compliance in the BSI Griya Hasanah Product with a Musyarakah Mutanaqisah Contract: A Case Study at BSI KCP Cemara Asri Sijabat, Winda Irmayani; Anggraini, Tuti; Inayah, Nurul
Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam Vol 17 No 1 (2025): Jurisprudensi: Jurnal Ilmu Syariah, Perundang-Undangan dan Ekonomi Islam
Publisher : State of Islamic Institute Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jurisprudensi.v17i1.10998

Abstract

Ideally, Islamic banking financing with the Musyarakah Mutanaqisah (MMQ) contract in the BSI Griya Hasanah product should comply with Sharia compliance principles, ensuring the absence of riba, gharar, and maysir elements. However, in reality, the implementation of the MMQ contract at BSI KCP Cemara Asri still faces challenges in Sharia compliance, particularly in the profit-sharing mechanism and legal certainty for customers. This study aims to analyze the financing provision in the BSI Griya Hasanah product and assess its Sharia compliance based on practices at BSI KCP Cemara Asri. This article is classified as a qualitative field research study. The methodology used is an empirical legal study explained through descriptive analytical methods. The analysis shows that the provision of Griya Hasanah financing with the Musyarakah Mutanaqisah contract at BSI KCP Cemara Asri complies with Sharia principles and follows the 5C analysis. However, in terms of Sharia compliance, there is a discrepancy with the DSN-MUI fatwa regarding the distribution of asset acquisition costs and losses. The Sharia Supervisory Board states that while the practice is valid in terms of the contract, it violates the provisions of DSN-MUI Fatwa No. 73/DSN-MUI/XI-2008.
Analisis Risiko Pembiayaan Bagi Hasil Dengan Menggunakan Metode Risk Adjusted Return On Capital (RAROC) Pada Bank Pembiayaan Rakyat Syariah (BPRS) Di Indonesia Periode 2016-2022 Supardi, Supardi; Anggraini, Tuti; Nasution, Muhammad Lathief Ilhamy
SEIKO : Journal of Management & Business Vol 6, No 2.1 (2023)
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i2.5223

Abstract

Penelitian ini dilakukan untuk menilai risiko yang timbul dan yang akan dihadapi oleh Bank Pembiayaan Rakyat Syariah (BPRS) di Indonesia periode 2016-2022 dengan menggunakan metode analisis data Risk Adjusted Return On Capital (RAROC) dan pengolahan data menggunakan Ms. Excel. Dalam penelitian ini menggunakan data sekunder yang diambil dari laporan keuangan bulanan Statistik Perbanakan Syariah yang dipublikasikan di website resmi Otoritas Jasa Keuangan. Hasil penelitian ini menunjukkan nilai RAROC pada BPRS di Indonesia secara berturut-turut selama periode 2016-2022 sebesar 8,67, 22,67, 17,21, 48,89, -1,00, -36,22, -1,54. Nilai RAROC yang positif pada tahun 2016-2019 pada BPRS mengindikasikan bahwa BPRS memiliki manajemen risiko yang baik. Hal ini bisa dilihat dari tingkat RAR yang positif dan lebih besar daripada RC. Sedangkan nilai RAROC yang negatif pada tahun 2020-2022 mengindikasikan terdapat potensi kerugian akibat pendapatan yang diterima lebih kecil dibandingkan dengan kerugian yang diharapkan karena nilai RAR negatif, ini menandakan risiko tersebut berpotensi menggerus modal pada BPRS di Indonesia jika kerugian menjadi kenyataan Kata Kunci: BPRS, Risiko Pembiayaan Bagi Hasil, RAROC
THE INFLUENCE OF SHARIAH COMPLIANCE AND CUSTOMER PERCEPTION ON THE DECISION TO SAVE MUDHARABAH SAVINGS PRODUCTS AT BANK SYARIAH INDONESIA Rizqiyah, Anisah; Anggraini, Tuti; Indra, Ahmad Perdana
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 1: January - March 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i1.29493

Abstract

The integrity and credibility of Islamic banks are highly dependent on compliance with Islamic principles. Non-compliance can lower public trust and affect their decision to use Islamic banking services. In addition, people's perceptions and attitudes influenced by their understanding also play an important role in the decision to save or use Islamic bank products. This research intends to analyze the influence of Shariah Compliance and Customer Perception on the decision to save mudharabah savings products for the gift party. This research uses quantitative research techniques with field research methods. The total population is 37 people, namely customers of Bank Syariah Indonesia KC Medan Ahmad Yani who have saved and used Mudharabah Savings products for Gift Parties and all pupulations are used as samples. Data collection techniques with questionnaires. The data was analyzed using the SPSS application version 27. The results of the study show that Sharia Compliance and Customer Perception together (simultaneously) have a positive and significant influence on Saving Decisions. This is evidenced by the value of F calculated 44.649 F table 3.28 and the probability of significance 0.000 0.05.
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