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All Journal Jurnal Paradigma Ekonomika Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura I-ECONOMICS: A Research Journal on Islamic Economics Journal of Business Management Education (JBME) Jurnal Ilmiah Ekonomi Islam Tadbir : Jurnal Studi Manajemen Pendidikan Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam SEIKO : Journal of Management & Business Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Jurnal Hukum Ekonomi Syariah NISBAH: JURNAL PERBANKAN SYARIAH Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies GEMA EKONOMI JEMPER (Jurnal Ekonomi Manajemen Perbankan) Jurnal Tabarru': Islamic Banking and Finance JESI (Jurnal Ekonomi Syariah Indonesia) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurisprudensi: Jurnal Ilmu Syariah, Perundang-undangan, Ekonomi Islam FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Jurnal Review Pendidikan dan Pengajaran (JRPP) SULTANIST: Jurnal Manajemen dan Keuangan JURNAL EKSBIS International Journal of Economics, Business and Accounting Research (IJEBAR) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Socius: Journal of Sociology Research and Education Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Rayah Al Islam : Jurnal Ilmu Islam Ilomata International Journal of Management RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Academia Open LEGAL BRIEF Accounting and Business Journal Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Quantitative Economics and Management Studies Journal La Sociale JURNAL MANAJEMEN AKUNTANSI (JUMSI) Economics, Business and Management Science Journal Golden Ratio of Marketing and Applied Psychology of Business Jurnal Iqtisaduna Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Jurnal Ilmiah Manajemen, Ekonomi dan Akuntansi Journal of Student Development Informatics Management (JoSDIM) Islamiconomic: Jurnal Ekonomi Islam Studi Akuntansi, Keuangan, dan Manajemen Jurnal Ilmiah Mahasiswa Raushan Fikr Media Ekonomi JRAP (Jurnal Riset Akuntansi dan Perpajakan) IDARAH : Jurnal Pendidikan dan Kependidikan Journal of Social Commerce Nuras : Jurnal Pengabdian Kepada Masyarakat Moneter : Jurnal Keuangan dan Perbankan Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research J-ISACC : Journal of Islamic Accounting Competency Amkop Management Accounting Review (AMAR) Jurnal Akuntansi Manado (JAIM) e-Jurnal Apresiasi Ekonomi Jurnal Informatika Ekonomi Bisnis Journal of Economics and Management Scienties Journal of Management, Economic, and Accounting International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Jurnal REP (Riset Ekonomi Pembangunan) IIJSE Majapahit Journal of Islamic Finance dan Management Jurnal Akuntansi dan Keuangan Islam (JAKIs) Majapahit Journal of Islamic Finance dan Management Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Indonesian Journal of Humanities and Social Sciences Landraad Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran As-Syirkah: Islamic Economic & Financial Journal
Tuti Anggraini
Technology of Agricultural Product Faculty Agriculture Technology Kampus Limau Manis Andalas University, 25163 Padang West Sumatra Indonesia
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Veterinary Other

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Intermediasi Sosial Bank Sumut Syariah KCP Perdagangan terhadap Pemberdayaan UMKM Syariah Qodriyah, Nurul Ni'mah; Anggraini, Tuti; Nasution, Juliana
Jurnal Akuntansi dan Keuangan Islam Vol 13, No 2 (2025)
Publisher : SEKOLAH TINGGI EKONOMI ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jakis.v13i2.891

Abstract

The long-term role of Islamic banking as a social intermediation institution is often criticized for failing to reflect the true essence of Islamic financial principles. As a result, Islamic banks are frequently perceived as not significantly different from conventional banks, particularly in addressing the fundamental socio-economic issues of society. This study aims to analyze the implementation of social intermediation based on sharia principles at Bank Sumut Syariah KCP Perdagangan and examine its contribution to the empowerment of micro-enterprises. This research employs a descriptive qualitative approach, with primary data collected through in-depth interviews. The findings indicate that Bank Sumut Syariah has carried out its social intermediation role effectively through financing schemes such as murabahah and musharakah, as well as savings products including general muamalat savings, student savings, Hajj savings, and deposits. The micro-financing procedures involve several stages from application to monitoring. This study fills a gap in the literature by examining local Islamic banking practices and provides insights into accountability and contributions to microeconomic empowerment.Peran jangka panjang perbankan syariah sebagai lembaga intermediasi sosial kerap dikritik karena dinilai belum mencerminkan esensi sejati dari sistem keuangan Islam. Akibatnya, perbankan syariah sering dianggap tidak berbeda secara signifikan dari perbankan konvensional, terutama dalam menjawab persoalan fundamental masyarakat. Bertujuan untuk menganalisis implementasi intermediasi sosial berbasis syariah pada Bank Sumut Syariah KCP Perdagangan serta mengkaji kontribusinya terhadap pemberdayaan usaha mikro, penelitian ini menggunakan pendekatan deskriptif kualitatif dengan teknik pengumpulan data primer melalui wawancara mendalam. Hasil penelitian menunjukkan bahwa Bank Sumut Syariah telah menjalankan fungsi intermediasi sosial dengan cukup baik melalui pembiayaan berbasis akad murabahah dan musyarakah, serta produk simpanan seperti tabungan muamalat dan tabungan haji. Prosedur pembiayaan mikro melibatkan tahapan mulai dari pengajuan hingga monitoring. Temuan ini mengisi kekosongan literatur mengenai praktik intermediasi sosial di unit perbankan syariah daerah dan memberikan wawasan mengenai akuntabilitas serta kontribusi nyata terhadap penguatan ekonomi masyarakat kecil.
The Effect of Perceptions of Technology, Risk and Handling Complaints on Customer Interest in Using Internet Banking At Bank Syari'ah Indonesia (BSI) KC Kisaran Khoiriaturrahmah, Miftah; Anggraini, Tuti; Jannah, Nurul
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.217

Abstract

Bank Syari'ah Indonesia (BSI) is one of the companies that also utilizes information technology through digital services. Only not all digital services have many users, such as internet banking which is less than M-banking users. This study aims to determine the effect of perceived technology, risk and complaint handling on customer interest in using Internet banking at Bank Syariah Indonesia (BSI) Kisaran Branch Office. This research is a type of descriptive quantitative research. The population in this study were BSI customers at the Kisaran Branch Office. While the sample was obtained as many as 100 customers. Data collection techniques using questionnaires and documentation. The data analysis technique uses multiple regression analysis where before conducting multiple regression tests, classical assumption testing is carried out. The results of this study are Technology Perceptions, affecting customer interest in using Internet Banking at Bank Syariah Indonesia (BSI) Branch Office in Kisaran. Risk, affects customer interest in using Internet Banking at Bank Syari'ah Indonesia (BSI) Kisaran Branch Office. Handling Complaints, affects customer interest in using Internet Banking at Bank Syari'ah Indonesia (BSI),isaran Branch Office. The suggestion of this research is that it is hoped that the BSI Kisaran Branch Office will conduct broader socialization and promotion to further introduce the presence of Internet Bangking to potential customers. Keywords: Technologi Perception, Risk, Complaint Handling, Customer Interest
Determination of the Decision of the Jamaah Masjid to Pay Infaq Through the Qris Application (Case Study of the Ar-Rahman Masjid Hm. Yamin Field of Fight) Amelia, Anika; Anggraini, Tuti; Bi Rahmani, Nur Ahmadi
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.298

Abstract

Technology has made life more comfortable and efficient for people today. The use of QRIS and other innovative payment systems is influenced by technological developments in all areas, including the banking industry. One of the technological advancements that are in demand today is the use of QRIS as a non-financial payment mechanism. The use of QRIS has become one of the alternative payments in mosques in addition to being used for shopping payments. The Ar-Rahman Mosque is one of the mosques that uses QRIS to raise funds for infacts. This research is intended to study the variables that affect the decision of the Mosque of Ar-Rahman to inflate using QRIS.Ketua BKM Mosque and Jamaah Mosque Ar- Rahman became the main source of data in this research, which is carried out with qualitative descriptive methodology. Secondary data sources come from literature surveys. The percentage of Ar-Rahman Mosque jamaahs using QRIS is currently around 20%; however, as the BKM of the mosque continues to socialize, this number will probably continue to increase. Awareness of QRIS, the ease of using QRIS and the satisfaction of the QRIS users are factors that influence the decision of the Masjid Ar-Rahman to inflate through QRIS.
Analysis of Operational Standards and Procedures of Murabahah Financing in the Decline of Non-Performing Financings (Case Study PT. Bank Shariah Indonesia Branch of Servant Sukaramai) Subandi, Subandi; Anggraini, Tuti; Harianto, Budi
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.318

Abstract

Non-performing financing is a big concern in the banking environment, both conventional and sharia banks. Non-performing financing or has a detrimental effect on the development of the bank. One of the consequences is the non-payment of part or all of the financing. The higher the level of non-performing financing, the worse the liquidity health of the bank, and the lower the level of confidence of depositors who entrust their money. This study aims to determine the analysis of operational standards and procedures for murabahah financing in reducing non-performing financing (Case study of PT. Bank Syariah Indonesia sukaramai sub-branch). The method in this research uses descriptive qualitative, data obtained through interviews with bank employees and data related to the research. The results showed that in reducing non-performing financing at PT Bank Syariah Indonesia Sukaramai Sub-Branch, there are several strategies carried out, namely Reshceduling (rescheduling), Reconditioning (re-requirement), and Execution (confiscation of customer's collateral).
Analisis Penggunaan E-Commerce, Akses Pemodalan, dan Pengelolaan Keuangan Terhadap Peningkatan Pendapatan UMKM Zamzam, Ayu Raudah; Juliati Nasution, Yenni Samri; Anggraini, Tuti
Ekonomi, Keuangan, Investasi dan Syariah (EKUITAS) Vol 7 No 1 (2025): August 2025
Publisher : Forum Kerjasama Pendidikan Tinggi (FKPT)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47065/ekuitas.v7i1.8151

Abstract

The use of e-commerce, access to funding, and financial management can affect the performance of MSMEs. This research aims to determine the effect of e-commerce, access to funding, and financial management on the increase in income of MSMEs in Pulo Brayan Kota sub-district. This research is associative with a quantitative approach. The study consists of three independent variables, namely e-commerce (X1), access to funding (X2), financial management (X3), and one dependent variable: increase in MSME income (Y). The population and research use saturated sampling. The data were analyzed using multiple linear regression with SPSS version 25. The results of the study indicate that the use of e-commerce, access to capital, and financial management have a positive and significant effect on increasing MSME income in Pulo Brayan Kota Village, both partially and simultaneously, with a contribution of 87.5%. The use of e-commerce has a positive effect of 0.320, access to capital by 0.629, and financial management by 0.583 on increasing income. This indicates that digitalization, capital support, and good financial management practices play a significant role in driving MSME income growth in the digital economy era.
Analysis of the Marketing Strategy for the Young Indonesian Hajj Savings Product at PT. Bank Syariah Indonesia KCP Medan Sukaramai Harahap, Faiza Shakira Saina; Rokan, Mustapa Khamal; Anggraini, Tuti
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 1 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i1.11969

Abstract

The waiting list for the hajj pilgrimage in Indonesia continues to grow longer from year to year. This has led to the emergence of alternative methods of saving for the hajj pilgrimage, Bank Syariah Indonesia presents the Indonesian young hajj savings. However, competition in the hajj savings product market is very tight because many other Islamic banks also offer the same product. Therefore, the author wants to analyze the marketing strategy of the Indonesian young hajj savings product to see if the product is able to compete in the market and assess the various efforts that BSI has made in attracting the attention of potential customers. This study uses a qualitative method using a descriptive and observational approach. Data collection techniques in this study are observation, interviews, and literature studies. In addition, researchers use descriptive analysis techniques. The findings of this study are that Bank Syariah KCP Medan Sukaramai uses the Segmentation, Targeting, and Positioning (STP) approach to determine who the marketing target is for the Indonesian young hajj savings product, implementing the marketing strategy for the Indonesian young hajj savings product is to conduct socialization to Muslim school institutions, companies, and Muslim organizations. Furthermore, online promotion through social media and technology. And the next strategy is to educate parents who have children under 17 years old to save early through the Indonesian young hajj savings at BSI KCP Medan Sukaramai.
INFLUENCE OF PERSONAL PSYCHOLOGY, CULTURE AND DEMOGRAPHY ON PAYMENT DECISIONS ON BANK SYARIAH INDONESIA Sriwahyuni, Sriwahyuni; Nasution, Muhammad Lathief Ilhamy; Anggraini, Tuti
NISBAH: Jurnal Perbankan Syariah Vol. 11 No. 1 (2025): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v11i1.21219

Abstract

The purpose of this study is to examine the factors that influence consumers decisions to select murabahah contracts from Islamic banks. This kind of study is quantitative study involving all Bank Syariah Indonesia KC. Kutacane, Southeast Aceh users. The sampling number was 52 respondents who used purposive sampling by filling out the questionnaire provided. The methods used to the hypothesis is tested using a variety of techniques, including traditional hypothesis testing, hypothesis testing, testing for multiple regressions, and determination coefficient testing. The analysis this study's tool makes use of SPSS versions 22 and 24. The research results indicate that the research results of the internal factor study consisting of psychology and personality partially influence customer decisions because the value of the t count (6.931)  > t table (2.00) and the significant level is 0.000 < 0.05. The research results of the external factor study consisting of culture and demographics partially influence consumer decisions because the value of the t count  (4.026) > t table (2.00) and the significant level is 0.000. The study's findings show that internal factors made up of psychology and personality and external factors consisting of culture and demographics simultaneously influence customer decisions because the calculated f value (69.626) > f table (3.18) and the significant  level is 0.000 < 0.05.
Murabahah Financing, Interest Rates, Inflation, and Margin Income of Islamic Banks: Pembiayaan Murabahah, Suku Bunga, Inflasi, dan Pendapatan Margin Bank Syariah Wijaya, Rio; Anggraini, Tuti; Indra, Ahmad Perdana
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11803

Abstract

Background (General): Islamic banks play a crucial role in Indonesia’s financial system, with murabahah financing serving as a primary income source. Background (Specific): While murabahah margins are fixed and independent of interest rate fluctuations, macroeconomic variables such as interest rates and inflation may still indirectly affect bank profitability. Knowledge Gap: Previous studies largely focused on annual pre-pandemic data, overlooking quarterly dynamics during the post-pandemic period, when monetary and market conditions changed significantly. Aim: This study examines the effects of murabahah financing, interest rates, and inflation on murabahah margin income in Indonesian Islamic banks during 2020–2024 using quarterly data. Results: Multiple regression analysis of 30 observations from six banks shows murabahah financing has a significant positive effect on margin income, whereas interest rates and inflation show no significant individual impact. Jointly, all three variables significantly influence margin income. Novelty: The research introduces a post-pandemic, quarterly dataset and simultaneously tests three key financial and macroeconomic variables in the murabahah context. Implications: Findings affirm the strategic importance of murabahah financing as a stable revenue driver, suggesting Islamic banks should prioritize financing expansion and operational efficiency over short-term macroeconomic fluctuations when formulating pricing and portfolio strategies.Highlight : Murabahah financing has a significant positive effect on margin income. Interest rates and inflation have no partial effect. All three variables have a simultaneous significant effect. Keywords : Murabahah Financing; Interest Rates; Inflation; Murabahah Margin Income; Islamic Banks
The Influence of Cross Selling and Up Selling in Increasing Customer Loyalty Restu Tanjung, Dwi; Ikhsan Harahap, Muhammad; Anggraini, Tuti
Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Volume 11, Issue 1, 2024
Publisher : Pendidikan Administrasi Perkantoran, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71309/administrare.v11i1.2416

Abstract

Business competition between banks now shows increasingly tight competition to get customers, so banks are struggling to provide the best services and services. This research aims to find out whether there is an influence of Cross-Selling and up-selling in increasing customer loyalty at Bank Syariah Indonesia (BSI) KC Kuala Simpang. This research was conducted at BSI KC Kuala Simpang. This type of research uses quantitative methods, which collect data in the form of questionnaires that are distributed to users or customers of BSI KC Kuala Simpang. The population in this study was 1,200 customers with a sample size of 100. To determine the number of samples taken, the Slovin formula was used. Meanwhile, the analysis technique uses SPSS 25 software, which explains that the Cross Selling and up Selling variables have a positive and significant influence on customer loyalty. Cross-selling and up-selling are two strategies that companies often use to increase sales and increase customer satisfaction. Although they are two different techniques, they are closely related and often work together to maximize sales potential. Both strategies have the same goal, namely increasing the average transaction value per customer. Cross-selling involves selling additional products that are complementary or related to what the customer has already purchased, when it comes to up-selling, the aim is to persuade customers into buying a higher-priced or deluxe version of the product they initially planned to buy.
The Influence Of Fintech Technology In Digital Wallet Services On Gen Z Purchases On FEBI UINSU Students Febriani, Gymnasti; Nasution, Muhammad Irwan Padli; Anggraini, Tuti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8041

Abstract

This study aims to determine the effect of perceived convenience, trust, and supporting facilities as services from digital wallets. The research method used in this research is quantitative with multiple linear regression analysis as the analysis tool. The population of this study were economics and Islamic business students of UIN SU in 2024 as many as 1,130 students. The sample in this study was random sampling, namely by taking respondents randomly and producing 92 respondents. While data analysis uses SPSS 20, Classical Assumption Test, Multiple Linear regression and Hypothesis Test to test data statistically. The results of this study indicate that: (1) Significant value for Convenience of 0.780 and Trust of 0.556 this value> 0.05 from these results shows that there is no significant influence between the variables of Convenience and Trust on purchasing actors at UIN SU Students. (2) Significant value for Facilities, amounting to 0.000, this value is smaller than 0.05 from these results shows that there is a significant influence between the Facility variable on purchasing actors on UIN SU students which is supported by the high interest of students to use attractive features such as cashback and discounts offered by digital wallets to meet their transaction needs.
Co-Authors Adrian, Muhammad Fikri Ahmad Riyansyah, Ahmad Akbar, Ahmad Yusuf Alfarezzi, Ahmad Alfian, Ian ian Amalia Nasution, Nabilla Amanda, Feby Aulia Amelia, Anika Andini Al Khoiri, Putri Andri Soemitra Anfa, Sugianto Anggaraini, Tuti Annisari, Annisari Aqwa Naser Daulay Ariesta, Syahna Arifin Fauzi Lubis Ariski, Martogi Arnida Wahyuni Lubis Asmuni Asmuni , Asmuni Asmuni Asmuni Asriadi, Ari Asy’ary, Muhammad Hasan Atika, Febri Aulia, Nafra Ayunda, Afrila Ayuni, Ifti Azahar Siregar, Rahmat Azhari, Alwan Bayani, Luthfiah Nur Bayu Prabowo, Bayu Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Dalimunthe, Maya Oktavia Dewi, Cindy Kumala Dhian Rosalina, Dhian Djunaidi, Zikri Habibi Effendi, Lutfiah Eka Putri Simanjuntak, Febrina Emizal Amri, Emizal Erda Fitriani Fadhilah, Gina Fadillah, Muhammad Aris Fauzan, M. Febriani, Gymnasti Fili, Nada Sausan Adha Filka, Nadhri Fitri Fransiska, Silvia Hafizah, Raisya Hanafi, Burhan Harahap, Aswan Nawawi Harahap, Faiza Shakira Saina Harahap, Faris Andrawika Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Muthia Hafsari Hayady, Roza Hayati, Nur Fadillah Ikhsan Harahap, Muhammad Imsar, Imsar Indra, Ahmad Perdana Indradewa, Rhian Ira Purnama Irawan, Harry Irham, Mawaddah Irmayani Isna Fauziah, Isna Jihan, Siti Juliana Nasution Juliati Nasution, Yenni Samri Julita Keumala Hayati Khairunnisa, Ira Amalia Khoiriah, Zulfa Khoiriaturrahmah, Miftah Kusmilawaty, Kusmilawaty Kusuma, Annisa Ayu Lathief Ilhamy, Muhammad Laylan Syafina Lestari, Aprilia Lubis, Balqis Mawaddah Lubis, Ismul Fakhri Lubis, Muhammad Iqbal Asyari Lubis, Yulpida Sari Lutfiah, Dhita M Nawawi, Zuhrinal Maghfirah, Nur Manik, M. Rikwan ES. Manurung, Nurlatifah Marliyah, Marliyah Matondang, Muhammad Haekal Maysarah, Maysarah Muhaisin, Ahmad Muhammad Lathief Ilhamy Nasution Muhammad Riduan, Muhammad Muhammad Syukri Albani Nasution Muhammad Yafiz, Muhammad Multa Nasution, Darwin Munthe, Raja Syahrial Mustapa  Khamal  Rokan Nasution, Aida Fitri Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Muhammad Latief Ilhamy nasution, Muhammad Latif Ilhamy Nasution, Nadya Dwinna Putri Nasution, Sariati Nasution, Syahdinar Ningruma, Dyah Asti Nst , Uci Roito Anggina Nuh, Ruslee Nurhasanah, Upik Nurhayati Nurhayati Nurhayati Nurlaila Nurlaila Nursantri Yanti Nurul Inayah Nurul Jannah Nurwani Nurwani Nurwani, Nurwani Olivia Ningrum, Natasya Pardamean Siregar, Pardamean Perdana Indra, Ahmad Prabowo, agus P Pratiwi, Eka Aprila Pulugan, Riziq Ahmad Purba, Rendi Puspita, Windy Putri Siregar, Annisa Putri, Kennadem Kurnia Putri, Sri Eka Qarni, Waizul Qodriyah, Nurul Ni'mah Rahma Sari Zein Rahma, Tri Inda Fadhila Rahmadhani, Anisa Rahmah, Nuzulliah Rahmi Syahriza, Rahmi Ramadhani, Anggraini Rambe, Jelita Handayani Restu Tanjung, Dwi Ripai Saragih, Ahmad Ritonga, Lilis Suryani Ritonga, Vera Ayu Ningsih Ritonga, Wardoni Hikman Rizkan Polem, T. Rizqiyah, Anisah Ruhama, Intan Salsabila, Raisya Sandi, Muhammad Santi Arafah Sari, Reni Ilma Sari, Riska Dwi Sijabat, Winda Irmayani Sinaga, Muhammad Syahputra Sipahutar, Ana Pahira Sirait, Frida Yanti Siregar, Tetty Handayani Situmorang, Harudini Nizar Solin, Naia Fingkani sri sudiarti Srisudiarti sriwahyuni Sriwahyuni Subandi Subandi Sufa, Amanda Oktavia Sugianto Sugianto Sugianto Suharto, Tentiyo Supardi Supardi Susanty, Widya Syahira, Tira Syakir, Ahmad Syarbaini, Ahmad Muhaisin B Tambunan, Ria Tifanny Utama, Septia Sakinah Rizki Vanessa Vanessa Venny Fraya Hartin Nst Wardani, Aisyatul Wijaya, Rio Winarsih, Safitri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI YUDI SISWADI Yuditia, Oppi Yolanda Yunni, Yunni Zainarti Zainarti Zamzam, Ayu Raudah Zuhra, Annisa Zuhrinal M. Nawawi zulfikar, Zulfikar