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All Journal Islamic Ecomonics Journal Jurnal Humanitas: Katalisator Perubahan dan Inovator Pendidikan Studia Economica: Jurnal Ekonomi Islam IDEAS: Journal on English Language Teaching and Learning, Linguistics and Literature Ekonomi-Qu (Jurnal Penelitian Ilmu Ekonomi) Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Journal of Economic, Bussines and Accounting (COSTING) Owner : Riset dan Jurnal Akuntansi At-Tawassuth: Jurnal Ekonomi Islam JURNAL PENDIDIKAN TAMBUSAI Citra Delima Scientific journal of Citra Internasional Institute Jurnal Pengabdian Magister Pendidikan IPA Journal on Education Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Proaksi International Journal of Economics, Business and Accounting Research (IJEBAR) Journal of Management and Business Innovations Jurnal Ilmiah Edunomika (JIE) Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah RESEARCH AND DEVELOPMENT JOURNAL OF EDUCATION (RDJE) Review of Islamic Economics and Finance JURNAL ILMIAH MAKSITEK JURNAL ILMIAH KOHESI JURMA : Jurnal Program Mahasiswa Kreatif Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Journal of Holistics and Health Sciences (JHHS) Journal La Bisecoman Al-Sharf: Jurnal Ekonomi Islam INTELEKTIVA Indonesian Journal of Business and Management El-Mujtama: Jurnal Pengabdian Masyarakat JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Transformasi Manageria: Journal of Islamic Education Management ETNIK : Jurnal Ekonomi dan Teknik Humantech : Jurnal Ilmiah Multidisiplin Indonesia Jurnal Akuntansi AKTIVA EKSYA: Jurnal Ekonomi Syariah EKONOMIKA45 Salimiya : Jurnal Studi Ilmu Keagamaan Islam eCo-Fin Journal of Management and Business Jurnal Ekonomika Dan Bisnis Islamiconomic: Jurnal Ekonomi Islam Economic Reviews Journal MES Management Journal Journal of Innovation Research and Knowledge AKASYAH: Jurnal Akuntansi, Keuangan dan Audit Syariah Journal of Public Representative and Society Provision Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Commodity : Jurnal Perbankan dan Keuangan Islam Paradoks : Jurnal Ilmu Ekonomi Amkop Management Accounting Review (AMAR) Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Riset Ekonomi dan Akuntansi Citra Delima Scientific journal of Citra Internasional Institute Journal of Contemporary Gender and Child Studies Jurnal Pendidikan Kesehatan (e-Journal) Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah SAUJANA : Jurnal Perbankan Syariah dan Ekonomi Syariah Jurnal Al-ittifaq IIJSE Saber: Jurnal Teknik Informatika, Sains dan Ilmu Komunikasi Jurnal Media Akademik (JMA) Sharia Economic and Management Business Journal (SEMBJ) El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan Jurnal Kesehatan Prosiding Seminar Nasional Unimus Journal of Ekonomics, Finance, and Management Studies Jurnal Price : Ekonomi dan Akuntasi Journal of Islamic Economics and Finance Jurnal Agroindustri Berkelanjutan International Journal of Economics and Management Research Edumaspul: Jurnal Pendidikan Islamic Economics Journal MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
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Pertumbuhan Ekonomi Dan Inflasi Di Indonesia Pada Masa Pandemi Purnama Sari, Eka; Salsabila Rahmawan, Fadia; Jannah , Nurul
Jurnal Etnik: Ekonomi-Teknik Vol 1 No 3 (2021): ETNIK : Jurnal Ekonomi dan Teknik
Publisher : Rifa'Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54543/etnik.v1i3.33

Abstract

The Covid-19 pandemic has caused recessions in many countries around the world. This happened after economic growth in the first and second quarters of 2020. Some of the countries experiencing recession are Singapore, South Korea, Germany, Japan, France, Hong Kong, and the United States. If the economic growth in each quarter is also negative, Indonesia will experience a recession. The Central Statistics Agency (BPS) noted that Indonesia's economic growth rate fell to minus (5.32%) in the second quarter of 2020. Previously, Indonesia's economic growth in the first quarter of 2020 was 2.97% or started to slow down. Inflation is a tendency to increase the prices of goods and services in general, which continues continuously, which will reduce the purchasing power of the public, especially for low-income groups. Therefore, it is hoped that there will be a control over the rate of inflation, especially during the Covid 19 Pandemic which had an impact on Indonesia's macro conditions. This observation discusses "The Impact of the Covid-19 Pandemic on Indonesia's Inflation Rate", aims to determine the effect of the Covid-19 Pandemic on the Level of Inflation in Indonesia. The results of this observation show that in March 2020 there was inflation of 2.96% year on year (yoy), with an increase in the price of gold jewelery and several food prices that experienced a quite drastic increase.
Analisis PDRB (Produk Domestik Regional Bruto) Dari Sisi Lapangan Usaha Provinsi Sumatra Utara Mudrikah, Azizah; Maulidah, Aula; Jannah , Nurul
Jurnal Etnik: Ekonomi-Teknik Vol 1 No 3 (2021): ETNIK : Jurnal Ekonomi dan Teknik
Publisher : Rifa'Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54543/etnik.v1i3.35

Abstract

Gross Regional Domestic Product (GRDP) is the gross addedvalue (NTB) of all goods and services produced from a domesticarea arising from economic activity in a certain period regardlessof whether the production factors are owned by residents or nonresidents. This study aims to analyze the GRDP in North SumatraProvince from the side of the business field. This study uses adescriptive qualitative approach by using secondary data that isreviewed in the literature from various sources such as BPS(Central Statistics Agency), and Bank Indonesia as data analysisfor the Province of North Sumatra in the first quarter and thesecond quarter of 2021. This study looks at the existing variables.on Gross Domestic Product in terms of business fields. The resultsof the analysis of this research are the North Sumatran economybased on the amount of Gross Regional Domestic Product (GDP)based on current prices in the first quarter of 2021 reached Rp207.00 trillion and based on constant prices in 2010 reached Rp133.67 trillion. North Sumatra's economy in the second quarter of2021 compared to the previous quarter grew by 1.83% (q-to-q).
Pengaruh Syariah Marketing, Service Excellence dan Reputasi Terhadap Kepercayaan Nasabah Tentang Tabungan Emas: Studi Kasus Bank Syariah Indonesia KCP Panyabungan Nur Ainun Ningsih; Tuti Anggraini; Nurul Jannah
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 5 No. 9 (2024): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v5i9.5051

Abstract

This study aims to determine the Influence of Sharia Marketing, Service Excellence, and Reputation on Customer Trust About Gold Savings (Case Study of Bank Syariah Indonesia KCP Panyabungan) both partially and simultaneously. The population in this study is all customers at Bank Syariah Indonesia KCP Panyabungan while the sample in this study is 100 customers. This study used quantitative methods with data collection using Likert scale method. Data analysis techniques through the IBM SPSS statistical 25 program. The results of research and discussion, several conclusions can be drawn as follows: Sharia Marketing affects Customer Trust About Gold Savings (Case Study of Bank Syariah Indonesia KCP Panyabungan), Service Excellence affects Customer Trust About Gold Savings (Case Study of Bank Syariah Indone Indonesia KCP Panyabungan), Reputation affects Customer Trust About Gold Savings (Case Study of Bank Syariah Indonesia KCP Panyabungan) and Sharia Marketing, Service Excellence, and Reputation on Customer Trust About Gold Savings (Case Study of Bank Syariah Indonesia KCP Panyabungan).
Factors Influencing EFL Student’s Boredom in Reading Academic Journal Nurul jannah; Citra Prasiska Puspita Tohamba; Syarif Amin; Yuliana Sain
IDEAS: Journal on English Language Teaching and Learning, Linguistics and Literature Vol. 12 No. 2 (2024): IDEAS: Journal on English Language Teaching and Learning, Linguistics and Lite
Publisher : Institut Agama Islam Negeri Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/ideas.v12i2.5934

Abstract

Reading academic journals is an important part of academic life, especially for students. However, many students feel bored in reading academic journals, which can affect their academic performance. This study aims to find out the factors that influence students' boredom in reading academic journals, and to find out the strategies used by students in overcoming boredom in reading academic journals. The research method used a qualitative approach with a descriptive type. The participants in this study were four students majoring in English at Universitas Muhammadiyah Kendari. Data collection used interviews. Based on the results of the study, it was found that there are two factors that affect the boredom of students reading academic journals, namely internal factors and external factors, the first internal factor is 1) Lack of enthusiasm; 2) laziness; 3) motivation. The second factor, on the other hand, is external, and includes things 1) writing-related aspects, 2) vocabulary, 4) difficult-to-understand language, and 5) family. Students use various strategies to overcome boredom when reading academic journals, such as engaging in physical activities, clearing their minds, playing games, watching movies, finding a comfortable place to read, setting reading goals, reading simple texts, planning the right moment, listening to music.
ANALISIS SWOT TERHADAP PROSEDUR KLAIM ASURANSI PRODUK UNIT LINK (STUDI KASUS PADA PT ASURANSI JIWA SYARIAH BUMI PUTERA 1912) Sri Bella Larasaty Yuandra; Nurbaiti; Nurul Jannah
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1226

Abstract

This research is to find out the procedures for filing unit link insurance product claims at PT AJS Bumiputera Medan branch and to find out the SWOT analysis of submitting unit link product insurance claims PT AJS Bumiputera 1912 Medan branch. The formulation of the problem in this study is 1) What is the procedure for submitting unit link product insurance claims at PT AJS Bumiputera? 2) How is the SWOT analysis of the submission of unit link product claims at PT Asuransi Jiwa Syariah Bumiputera Medan Branch. This research uses qualitative methods, and the research approach used is direct research conducted by interviewing companies. In this study the authors used document research by collecting data and information through document archives. And using two data sources, namely primary data and secondary data. This research is that the results of a SWOT analysis of the insurance claim procedure for unit linked products. By using SO, WO, ST, and WT. The procedure provided by the company is very clear and makes it very easy for the insured. Claim procedures can make claims division easier, however, not all participants understand the applicable procedures. Settlement of claims for the company's decision-making process in collaboration with the police to facilitate the claims division with surveys to locations to find facts.
The Influence of Financial Literacy and Promotion on Public Interest in Using Syariah Bank Savings Products : Case Study of Labuhan Deli District Community Aramita Aramita; Nurul Jannah; Aqwa Naser Daulay
International Journal of Economics and Management Research Vol. 4 No. 1 (2025): : International Journal of Economics and Management Research
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/ijemr.v4i1.308

Abstract

This study aims to determine the influence of financial literacy and promotion on public interest in using Islamic bank savings products in Labuhan Deli District. A quantitative method was used with multiple linear regression analysis, involving a population of 67,806. The sample was selected using purposive sampling, with a total of 100 respondents. This study utilized SPSS version 18, and data were collected through questionnaires. The results showed that promotion has a positive and significant influence on public interest in saving at Islamic banks. Conversely, financial literacy does not have a significant effect on public interest. Although both variables contribute to increasing public interest, promotion plays a more dominant role than financial literacy. Therefore, this study recommends that Islamic banking institutions enhance innovative promotional strategies and strengthen financial literacy education programs to improve public understanding and interest in Islamic savings products.
Pengaruh Financing to Deposit Ratio dan Non Performing Financing Terhadap Return on Assets dengan Capital Adequacy Ratio Sebagai Variabel Intervening pada Perbankan Syariah di Indonesia pada Tahun 2017-2021 Ramayani; Nur Ahmadi Bi Rahmani; Nurul Jannah
Economic Reviews Journal Vol. 3 No. 1 (2024): Economic Reviews Journal
Publisher : Masyarakat Ekonomi Syariah Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56709/mrj.v3i1.152

Abstract

This study aims to determine the Effect of Financing to Deposit Ratio and Non-Performing Financing on Return on Assets with Capital Adequacy Ratio as Intervening Variables in Islamic Banking in Indonesia in 2017-2021. This study uses a quantitative approach method and uses secondary data, namely quarterly financial ratio reports of banks registered with OJK from 2017-2021. The analysis technique used is a partial test (t test), simultaneous test (F test), Coefficient of Determination test (R2 test) and path analysis test. The results of this study indicate (1) Financing to Deposit Ratio (FDR) has an effect on Return on Assets (ROA), (2) Non Performing Financing (NPF) has an effect on Return on Assets (ROA), (3) Financing to Deposit Ratio (FDR) ) has no effect on Capital Adequacy Ratio (CAR) (4) Non Performing Financing (NPF) has an effect on Capital Adequacy Ratio (CAR), (5) Capital Adequacy Ratio (CAR) can mediate the effect of Financing to Deposit Ratio (FDR) on Return On Assets (ROA), and (6) Capital Adequacy Ratio (CAR) cannot mediate the effect of Non Performing Financing (NPF) on Return On Assets (ROA).
Analysis of Insurtech Innovation Development in Accelerating The Claim Process and Improving Service For Insurance Participants at PT. Chubb Life Medan Silvia Retri Aldona Tampubolon; Muhammad Arif; Nurul Jannah
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 1 (2024): Dinasti International Journal of Economics, Finance & Accounting (March-April 2
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i1.2545

Abstract

The development of innovation in the insurtech industry has become important in improving the efficiency of the claims process and services for insurance participants. This study aims to analyze the development of insurtech innovation in accelerating the claims process and improving services for insurance participants at PT Chubb Life Medan. The research method used is a case study by conducting interviews and direct observation of the claims process and existing services. The results showed that the use of technology in the form of mobile applications and online platforms has succeeded in accelerating the claims process and increasing the satisfaction of insurance participants. The implication of this research is the need to continue to encourage the development of insurtech innovation to improve efficiency and quality of service for insurance participants at PT Chubb Life Medan.
Impact of Price, Risk and Shipping Insurance Claims on E-Commerce Gadgets Purchase Decisions Rizka Afriani; Nurul Jannah; Budi Harianto
Dinasti International Journal of Economics, Finance & Accounting Vol. 5 No. 2 (2024): Dinasti International Journal of Economics, Finance & Accounting (May - June 20
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v5i2.2615

Abstract

When shopping for gadgets online, a person often feels worried if their shopping activity ends in fraud. Lack of confidence in online shopping is experienced by some consumers which makes them no longer want to buy gadgets on online shopping sites. The risk of buying a gadget in online shopping is huge. Starting from the risk of goods being damaged during shipment, theft, goods not arriving and much more. The aim of this study is to demonstrate the influence of the price, risk and claims of shipping insurance on the decision to buy gadgets in E-commerce. This research uses quantitative methods with double linear regression analysis. Research results show that prices influence purchasing decisions, risks influence purchase decisions, and insurance claims influence buying decisions.
Analisis Faktor-Faktor Yang Mempengaruhi Volume Penjualan Pada Kedai Kopi Batang Kopi Kecamatan Batang Serangan Ilham Tri Wardana; Muhammad Arif; Nurul Jannah
Jurnal Ekonomika Dan Bisnis (JEBS) Vol. 3 No. 1 (2023): January-April
Publisher : CV. ITTC INDONESIA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47233/jebs.v3i1.560

Abstract

Penelitian ini bertujuan untuk menguji pengaruh harga, promosi, kualitas produk dan persaingan terhadap volume penjualan pada kedai kopi Batang Kopi Kecamatan Batang Serangan baik itu secara parsial maupun simultan. Penelitian ini menggunakan metode kuantitatif dengan pengumpulan data menggunakan skala likert. Subjek yang digunakan dalam penelitian ini adalah konsumen kedai kopi Batang Kopi Kecamatan Batang Serangan yang berjumlah 100 orang dan di ambil dengan menggunakan rumus Lemeshow. Teknik analisa data melalui program IBM SPSS statistic 25. Hasil dari penelitian ini menunjukkan bahwa pertama, harga berpengaruh positif dan signifikan terhadap volume penjualan dengan nilai signifikan 0,000 ˂ 0,05. Kedua, promosi berpengaruh positif dan signifikan terhadap volume penjualan dengan nilai signifikan 0,003 ˂ 0,05. Ketiga, kualitas produk berpengaruh positif dan signifikan terhadap volume penjualan dengan nilai signifikan 0,001 ˂ 0,05. Keempat, persaingan berpengaruh positif dan signifikan terhadap volume penjualan dengan nilai signifikan 0,00 ˂ 0,05. Dan kelima, secara simultan harga, promosi, kualitas produk dan persaingan berpengaruh positif dan signifikan terhadap volume penjualan dengan nilai signifikan ˂ 0,05 yaitu 0,000 ˂ 0,05.
Co-Authors Ade Widya Claudia agusani, widya Ahmad Muhaisin B. Syarbaini Ahmad Perdana Indra Ahmad Perdana Indra Ali Akbar Harahap Alisyah Fatiya Raghdha Alwi Muarif Sembirin Alya Avina Alya Rahma Siregar Ananda Dwi Cahya Andi Tri Lestari Anggina Khairani Harahap Anik Purwati Annisa Lestari Ritonga Annisa Rahmawita Annisa Rizqiya Annisa Suci Ramadhani Aqwa Naser Daulay Aramita Aramita Arif Ramadhan Arya Neta Adinda Jambak Asmuni Asmuni Aura Mahdiyah Aya tullah Ayu Rahmawati Ayudiah Uprianingsih Azhari Akmal Tarigan Bastanta Sinulingga Budi Harianto Citra Prasiska Puspita Tohamba, Citra Prasiska Puspita Darmawati Dea Dara audina Devi Aprilia Ningsih Dharma, Budi Egi Regi Prayoga Eko Agus Alfianto ENDRI ENDRI ESKI ADITYA Eski Aditya Faisal Akbar Fany Renaldy Harahap Farhan Edma Manurung Farida Hanum Boangmanalu Feby Sahira Fibra Nurainy Fina Mulyana Firdha Aigha Suwito Fitra Maulana Roza Fitri Rahmadani Harahap Gunavathy Selvarajh Hadi Nasbey Hamdani Achmad Hanifah Oktaviani Fakhri Hanizar Simatupang Harahap, Fasthabiqul Ambiya Hari Subakti Helmi, Muhammad Hervina Dahlianti I Gusti Ngurah Agung Surya Aditya Iis Herike Ilham Tri Wardana Ilham Tri Wardana Imsar Imsar Imsar Imsar Imsar Imsar Intan Wulan Dari Bancin Inten Sulistya Ningsih Irani Eka Putri Pohan Irma Septria Mawarni Julia Putri Zahara Juliana Nasution Juliani Junita Sari Juwita Wulandari Dalimunthe Kamilah , K Khairul Akhyar Khairunisah Khairunisah Kurnia Sandi Panjaitan Lathief Ilhamy Nasution Lena Mardiana Silaen Lia Purnama Sari Lin Arshy Cahaya Lutfiah Lutfiah M. Ridwan Ridwan M. Ryansyah Margaretha Maria Shinta Pratiwi Marliyah Marwah Auliyani Maryam Batubara Maryam Batubara MASDELIMA HASIBUAN Maulidah, Aula MAULIDYA REZEKI Melinia Maduratna Miranda Julia Pasaribu Mohammad Chaidir Mudrikah, Azizah Mufidah, Lubna Nada Muhamad Indra Nurzaman Muhammad A rif Muhammad Afdhal Muhammad Arif Muhammad Arif Muhammad Arif Muhammad Choir Rivaldi Muhammad Helmi Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan Muhammad Ramadhan Muhammad Ravi Akbar Muhammad Rijal Fanshury Hasibuan Muhammad Rizky Lubis Muhammad Yafiz Muhammad Yunus Sofian Mulya Virgonita I Winta Musi zalfa Izza Mutia Maudy Khasanah Mutiara Ratu Shapura Nadia Amalia Nadira Paramita Nadya Ulfah nasution, fauziah Natasya Rahma Apriliani Nia Nazlia Nilam Utami Aqillah Ningtias Aprili Maliyah Novita Ayunda Sari NUR AHMADI BI RAHMANI Nur Ainun Ningsih Nur Ainun Siregar Nur Atiqah Maulad Murat Nur Indayanti Nur Sabiatul Aulia Nur Salsabila Arwan Nst Nurafria Nanda Nuraisyah Syarifah Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurhayati Nurlaila Nurlaila Nurlaila Nurlaila Nurul Arsih Olita Jasmine Prayugo Ali Abdillah Purnama Ramadani Silalahi Purnama Sari, Eka Putri Ismaydina Putri Masrifah Rahma, Tri Inda Fadhila Rahmad Raja Martua Hasibuan Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Imsar Raisa Aulia Rahma Ramayani Rima Yohani RINDI SAFIRA Riyadi, Muskhab Eko Rizka Afriani RIZKIA ZAHRA Robi Mufti Ruqayyah Ruqayyah Ryan Arianda Salma Anisa Risky Salsabila Putri Salsabila Rahmawan, Fadia Salsabilla Salsabilla Salwa Fadillah Haya Saparuddin Siregar Saparuddin Siregar Sari, Meyana Selly Febriana Selly Febriana Shelsy Aulia Sigit Pranomo Hadi Silvia Retri Aldona Tampubolon Sindi Novita Sari Siti Aisyah Siti Rahmah Ritonga Solly Aryza Sri Bella Larasaty Yuandra Sri Ramadhani Sri Rizka Agustina Sri Sudiarti Sri Sudiarti Sri Sudiarti Sugianto Suggianto Sugianto Sugianto Sugianto Sugianto Sussi Astuti Syarif Amin SYFA ARIKAH Tambunan, Khairina Tri Inda Fadhila Rahma Tria Silvia Tuti Anggraini Tuti Anggraini Tuti Anggraini Tuti Damayanti Marbun Ulya Dharodjah Ummi Kalsum Vanessa Vanessa Vega Liana velly khairunnisa velly Vina Soviana Wahyu Sarvina Wika Nurfuadi Wiwin Khairany Simanjuntak Yena Puspita Yenni Samri Juliati Nasution Yudi Paruhum Yuliana Sain Yusrizal Yusrizal Yusuf Yusuf ZAHRINA GHAISANY PULUNGAN Zainarti Ziad, Muhammad Thoriq Zikri Rahman Zuhrinal M. Nawawi