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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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The Effect Of Production Costs And Operational Costs On Net Profit Of Jamu Dapoer Niswah Medan Marelan District Putri, Sri Eka; Anggraini, Tuti; Nurwani
Journal of Management, Economic, and Accounting Vol. 2 No. 2 (2023): Juli-Desember
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v2i2.187

Abstract

This study aims to determine the effect of production costs and operating costs on net income partially and simultaneously. This type of research is quantitative research with an associative approach. The location of this research is UMKM Jamu Dapoer Niswah, Medan Marelan District. The data used is secondary data. Secondary data in this study is in the form of profit and loss statements for 2020 – 2022. The population and research sample totaled 36 months, starting from January 2020 to December 2022 using a saturated sampling technique. The analytical method used is descriptive statistical analysis, normality test, multicollinearity test, heteroscedasticity test, autocorrelation test, multiple linear regression test, partial significant test (t statistical test), simultaneous significant test (F statistical test) and R2 test (coefficient of determination). by using SPSS 25 software. The results showed that (1) The test results showed that the production cost variable obtained a t-count value of 3.021 ≥ t-table of 1.68830 and a significance value of 0.005 ≤ 0.05. Therefore it can be concluded that the production cost hypothesis has a positive and significant effect on net income. (2) The test results show that the operational cost variable has a t-count value of 8.477 ≥ t-table 1.68830 and a significance value of 0.000 ≤ 0.05. Therefore, it can be concluded that the production cost hypothesis has a positive and significant effect on net income. (3) The test results show that the variable production costs and operational costs obtain an F-count value of 3095.702 ≥ F-table 3.28 and a significant value of 0.000 ≤ 0.05, it can be concluded that the variable production costs and operating costs simultaneously significant effect on net income.
Kaidah Kebahasaan Terkait Praktik Ekonomi Islam Siswadi, Yudi; Asmuni; Anggraini, Tuti
Jurnal Landraad Vol. 1 No. 1 (2022): Edisi Maret 2022
Publisher : Jurnal Landraad

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Abstract

The Qur'an and Sunnah are the main sources of Islamic law. Islamic law is not only limited as a human abstraction of the reality of society in the occurrence of social order for humans themselves, but rather God's rules for humans. The device to be able to withdraw the law and legal sources is called ijtihad. Allah Subhanahu Wata'ala has revealed the Qur'an in Arabic, as well as the Prophet Muhammad sallallaahu 'alaihi wasallam understood, practiced and gave explanations using Arabic. Thus, one of the most important tools of ijtihad is the rule of law. Related to the economy in the development of science and technology, in the modern era there has been a shift in terms of the form and model of transactions in the financial sector. One side of this change can be seen from the emergence of digital transactions. The development of science and technology has caused several changes in the models and forms of transactions that occur today. These include the presence of bank and non-bank financial institutions, stock exchanges, Islamic financial products, digital transactions and so on. As agreed by the scholars that the Koran and the Sunnah are the main sources of Islamic law. On the other hand, the Quran was revealed in Arabic and its explanations are in Arabic. So one of the important tools that must be mastered by a reviewer of Islamic law is the mastery of the rules of the Arabic language.
Signifikansi Al-Hukm, Al-Hakim, Al- Mahkum fih dan Al Mahkum 'alaih Julita; Asmuni; Anggraini, Tuti
Jurnal Landraad Vol. 1 No. 1 (2022): Edisi Maret 2022
Publisher : Jurnal Landraad

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Abstract

Analysis of the Shariah Marketing Strategy in Increasing the Number of Micro Servers Customers at Sharial Bank Indonesia (KCP Aek Kanopan) Sipahutar, Ana Pahira; Anggraini, Tuti; Inayah, Nurul
Dinasti International Journal of Education Management And Social Science Vol. 5 No. 4 (2024): Dinasti International Journal of Education Management and Social Science (April
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijemss.v5i4.2630

Abstract

In the microfinance marketing strategy of Bank Syariah Indonesia (BSI KCP Aek Kanopan), the marketing mix consists of products, prices, promotions, locations, people, processes, and physical evidence. For this research, the methodology is qualitative, and a data descriptive approach is used. Officials working in the MRM Team Manager section of Bank Shariah Indonesia were interviewed and documented. Microfinance marketing strategies can generate more clients for Sharia Bank Indonesia KCP Aek Kanopan by using SWOT analysis (Strengths, Weaknesses, Opportunities, and Threats). Microfinance offers competitive margins ranging from fifteen million to two hundred million, and a settlement period of between three and sixty months. With modern facilities, it is strategically located in the heart of Aek Kanopan. Promotion is done through socialization, brochures, banners, and social media to raise public awareness.
Analysis of the Ability Level of MSME Entrepreneurs in Accessing Sharia Banking Financing at Bank Syariah Indonesia KC Lubuk Pakam Fili, Nada Sausan Adha; Anggraini, Tuti; Daulay, Aqwa Naser
Journal of Economics and Management Scienties Volume 7 No. 3, June 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i3.157

Abstract

SMEs play an important role in the national economy, but their access to financing from financial institutions, especially Islamic banking, still faces various obstacles. The low level of financial inclusivity, the complexity of administrative procedures, and limited infrastructure are the main obstacles. This study aims to describe and analyze the level of capability of MSME entrepreneurs in accessing sharia banking financing at Bank Syariah Indonesia (BSI). The approach used is descriptive qualitative with a survey method involving 20 respondents selected through purposive sampling. Data were collected through closed questionnaires with a five-point Likert scale and analyzed descriptively. The research results indicate that although BSI provides various Sharia financing products, there are still obstacles faced by MSME actors, such as a lack of understanding of the products, complex administrative procedures, and limited infrastructure and services. The dominance of female respondents also indicates the need for special attention to improving financial inclusivity for women in business management. This study recommends enhancing financial education, simplifying procedures, and strengthening infrastructure and services so that access to Sharia financing for MSMEs can be more inclusive and sustainable.
Growth Acceleration Strategy Sharia Regional Development Banks (BPD) In Indonesia Irmayani; Anfa, Sugianto; Anggraini, Tuti
Quantitative Economics and Management Studies Vol. 5 No. 4 (2024)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.qems2796

Abstract

This study aims to formulate the core problem by choosing what is the best strategic alternative that can be taken by Islamic business units to accelerate the growth of the Islamic banking industry. By exploring aspects of internal and external problems. Then the solution from internal and external of various acceleration strategies based on expert opinion related to the phenomenon of the researcher's problem. This research methodology is descriptive qualitative with a quantitative approach and research using ANP (Analytic Network Process) analysis tools. In this study using experts totaling 5 people consisting of academics, practitioners and regulatory experts. The results of this study indicate that: 1). There are two main problems, namely external and internal problems. The most prioritized problem in determining the acceleration strategy is the external problem with an average combined value of 53%, while for the W (Rater Agreement) value of all respondents is 0.36. The most prioritized external problem is the problem of local government support with an average value of 35% with a Rater Agreement of all respondents of 0.64, while the priority problem in internal problems is the problem of capital. 2) for the most prioritized solution, namely the external solution with a combined average value of 54%, while for the W (Rater Agreement) value of all respondents is 1. In the most prioritized external solution, namely local government support, the W (Rater Agreement) value is 0.84. With an average value of 35%. 3. The most prioritized strategy is conversion with an average value of 26%, while for the marger, spin off and acquisition strategies it is around 25%, with a W (Rater Agreement) value of 0.46, meaning that the answers of the respondents have moderate agreement.
Analysis of Islamic Bank Marger Policy in the Profitability Level of Indone-sian Islamic Bank, Kutacane Branch Office Hafizah, Raisya; Anggraini, Tuti; Inayah, Nurul
LEGAL BRIEF Vol. 14 No. 2 (2025): June: Law Science and Field
Publisher : IHSA Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/legal.v14i2.1302

Abstract

This study aims to analyze the influence of merger policy on bank profitability levels with a case study at Bank Syariah Indonesia (BSI) Kutacane Branch Office. Since the merger of several national Islamic banks into one entity, namely BSI, there have been various changes in both operational and financial performance. One important indicator that is the focus of attention is profitability, which is measured by Return on Assets (ROA), Return on Equity (ROE), and profit margin. This study uses a quantitative approach with descriptive and comparative analysis methods. Data were taken from the financial statements of BSI KC Kutacane before and after the merger, and analyzed using a comparative method. The results of the study indicate that there are significant changes in the level of profitability post-merger. Factors such as operational efficiency, increasing the number of customers, and synergy between business units contribute to increased profitability. However, challenges in adjusting management and system integration also have a temporary impact on several financial indicators. The conclusion of this study shows that the merger policy has a positive impact on long-term profitability, although it requires adjustment and good management in the early stages after the merger. The recommendation given is to increase the focus on optimizing services and managing risks to maintain a positive trend in profitability in the futur
Optimization of Sharia Marketing Strategy in Increasing Customer Interest in Hajj Savings Products at Bank Syariah Indonesia Kc Rantauprapat Ningruma, Dyah Asti; Indra, Ahmad Perdana; Anggraini, Tuti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12080

Abstract

This study aims to analyze the effectiveness of sharia marketing strategies in increasing customer interest in Hajj Savings products at Bank Syariah Indonesia (BSI) KC Rantauprapat. This research uses a qualitative approach with descriptive methods. Data were collected through in-depth interviews with marketers and customers, as well as analyzing trends in the number of customers from 2021 to 2024. The results showed that financial transparency and competitive profit-sharing schemes have a significant influence on customer decisions in choosing Hajj Savings. In addition, community-based marketing strategies, such as socialization in community organizations and educational institutions, are proven to increase customer trust and loyalty. Thus, the combination of community-based marketing strategies, financial transparency, product innovation, and service digitalization is a key factor in strengthening the competitiveness of Islamic banking. The implications of this study can be used as a model for optimizing Islamic marketing for other Islamic banks in Indonesia.
Religiosity, Trust, and Literacy Drive Islamic Finance Adoption Lubis, Muhammad Iqbal Asyari; Anggraini, Tuti; Daulay, Aqwa Naser
Academia Open Vol 10 No 2 (2025): December (in progress)
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11066

Abstract

General Background: Despite Indonesia's Muslim-majority population, the market share of Islamic financial products remains low. Specific Background: Islamic financial literacy, trust in financial institutions, and personal religiosity have been identified as key determinants in financial decision-making, yet empirical studies show inconsistent findings. Knowledge Gap: Previous research has not adequately assessed these three factors simultaneously, particularly within a student population that receives Islamic education. Aims: This study aims to examine how religiosity, trust, and sharia financial literacy affect students’ interest in using Islamic financial products. Results: Based on a survey of 100 purposively sampled students at UIN North Sumatra, multiple linear regression analysis revealed that all three variables — religiosity (β = 0.345), trust (β = 0.445), and sharia financial literacy (β = 0.236) — have a positive and significant relationship with interest in using Islamic financial products, explaining 74.2% of the variance. Novelty: This study is one of the first to simultaneously analyze these predictors among students of an Islamic university, providing insights into the behavioral intentions of a strategically important demographic. Implications: The findings underscore the need for collaborative efforts between Islamic financial institutions and universities to foster literacy, trust, and religious alignment with financial behavior among youth.Highlights: Trust is the strongest predictor of product interest among students. Sharia financial literacy significantly correlates with usage interest. The model explains 74.2% of the variation in interest behavior. Keywords: religiosity, trust, Islamic financial literacy, student behavior, Islamic banking
Strategic Efforts to Enhance the Mudharabah Financing Portfolio at PT Bank Sumut Syariah Medan through the Analytic Network Process (ANP) Approach Rangkuti, Ririn Anjani; Nasution, Yenni Samri Juliati; Anggraini, Tuti
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 1 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.7901

Abstract

Islamic banking in Indonesia has experienced rapid growth in recent years, in line with the increasing public awareness of fair and sustainable Islamic economic principles. The mudharabah contract, as one of the core profit-sharing products in Islamic banking, holds significant potential in supporting real sector financing, particularly for MSMEs. However, data from PT Bank Sumut Syariah for the 2019-2023 period indicates a declining trend in the proportion of mudharabah financing, reflecting strategic challenges such as moral hazard risks, information asymmetry, and the bank’s preference for lower-risk contracts like murabahah. This study aims to formulate strategies to enhance the mudharabah financing portfolio at PT Bank Sumut Syariah in Medan using the Analytic Network Process (ANP) method. Data were collected through in-depth interviews with experts, regulators, and practitioners involved in mudharabah financing. The findings reveal that the factors contributing to the fluctuation and relatively low share of mudharabah financing compared to other contracts are divided into two main aspects: internal and external. To address these challenges, one effective solution is to provide training for MSME actors to improve their skills and capabilities. The top priority strategies include: maximizing the implementation of mudharabah, strengthening the capital portfolio, accurate market segmentation, establishing a risk guarantee institution, conducting education and outreach programs, and fostering partnerships with external mentoring organizations.
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