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All Journal Jurnal Manajemen Terapan dan Keuangan JAAKFE UNTAN ( (Jurnal Audit Dan Akuntansi Fakultas Ekonomi Universitas Tanjungpura) Jurnal Ekonomi & Bisnis PNJ (JEKBIS PNJ) Jurnal Riset Akuntansi dan Bisnis Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Edueksos : Jurnal Pendidikan Sosial & Ekonomi Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah al-Afkar, Journal For Islamic Studies SEIKO : Journal of Management & Business At-Tawassuth: Jurnal Ekonomi Islam Eksis: Jurnal Ilmiah Ekonomi dan Bisnis Journal on Education JOURNAL OF APPLIED BUSINESS ADMINISTRATION JURNAL MANAJEMEN BISNIS JESI (Jurnal Ekonomi Syariah Indonesia) JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah Jurnal Proaksi Jurnal Pendidikan dan Konseling SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Dinasti International Journal of Education Management and Social Science Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Al-Kharaj: Journal of Islamic Economic and Business International Journal of Economics Development Research (IJEDR) Ilomata International Journal of Management Management Studies and Entrepreneurship Journal (MSEJ) Journal of Management - Small and Medium Enterprises (SME's) Jurnal Ilmu Perbankan dan Keuangan Syariah Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management INTELEKTIVA Journal La Sociale El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan JURNAL MANAJEMEN AKUNTANSI (JUMSI) International Journal of Trends in Accounting Research JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Jurnal Riset Ilmu Ekonomi Kontigensi: Jurnal Ilmiah Manajemen Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam EKSYA: Jurnal Ekonomi Syariah EKONOMIKA45 Journal of Management and Business Jurnal Cakrawala Ilmiah Jurnal Ilmiah Mahasiswa Raushan Fikr MES Management Journal CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Mumtaz : Jurnal Ekonomi dan Bisnis Islam Jurnal Trisna Riset Expensive: Jurnal Akuntansi dan Keuangan Populer: Jurnal Penelitian Mahasiswa Jurnal ekonomi Manajemen dan Bisnis (JUBIS) Optimal: Jurnal Ekonomi dan Manajemen Transformasi: Journal of Economics and Business Management Moneter : Jurnal Keuangan dan Perbankan Innovative: Journal Of Social Science Research Paradoks : Jurnal Ilmu Ekonomi Amkop Management Accounting Review (AMAR) Jurnal Ekonomi Manajemen Akuntansi Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Ekonomi dan Akuntansi International Journal of Trends in Accounting Research Journal of Economics and Management Scienties Lokawati: Jurnal Penelitian Manajemen dan Inovasi Riset Socius: Social Sciences Research Journal Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Neraca Manajemen, Akuntansi, dan Ekonomi Journal Economic Excellence Ibnu Sina Santri : Jurnal Ekonomi dan Keuangan Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam JESKaPe: Jurnal Ekonomi Syariah, Akuntansi dan Perbankan JER ManBiz: Journal of Management and Business Journal of Ekonomics, Finance, and Management Studies Ulil Albab JIEP: Jurnal Ilmu Ekonomi dan Pembangunan
Nursantri Yanti
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Public Health Social Sciences Other

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ANALYSIS OF NONMUSLIM COMMUNITY INTEREST IN USING BANK SYARIAH INDONESIA SAVINGS PRODUCTS IN DELI SERDANG Dedek Joefanny; Nurul Inayah; Nursantri Yanti
Multidiciplinary Output Research For Actual and International Issue (MORFAI) Vol. 5 No. 2 (2025): Multidiciplinary Output Research For Actual and International Issue
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/morfai.v5i2.2715

Abstract

Islamic banks are often assumed to only serve Muslims, when in fact, non-Muslims also show interest in using Islamic banking services such as BSI savings products, to store their funds. This study aims to examine the interest of non-Muslims in BSI savings by focusing on location, product, and promotion factors. Using the accidental sampling method, and using primary and secondary data sources, primary data was collected through interviews with respondents, while secondary data came from the Central Statistics Agency and literature studies. The results of the study show that the three factors such as location, product, and promotion show that the location, product, and promotion factors have a significant effect on the interest of non-Muslims in using BSI savings products, and from the results of the study, it is found that the interest of non-Muslim people is still categorized as low with an indicator of <50% to save at Bank Syariah Indonesia.
Consumer Perception Analysis of Samsung Products Related to the Controversial Issue of BTS's Suga as Brand Ambassador Juwairiazizah Rasta; Nursantri Yanti; Juliana Nasution
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (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.v7i2.7309

Abstract

This study analyzes consumer perceptions of Samsung products promoted by BTS's Suga as a brand ambassador, focusing on the impact of the controversial issue related to DUI involving Suga. The research method used is a descriptive qualitative approach with data collection through an open-ended questionnaire distributed online to Samsung consumers and BTS fans (ARMY). The collected data were analyzed using thematic analysis to identify dominant themes in consumer perceptions. The results of the study indicate that despite the controversial issue involving BTS's Suga as Samsung's brand ambassador, consumer perceptions of Samsung products have a positive view, although there are some weaknesses identified. Suga's influence as a brand ambassador is more pronounced among BTS fans, who feel an emotional connection with their idol. However, many respondents were not affected by the controversial issue and continued to judge the product based on its quality. Respondents also expect Samsung to handle this issue professionally and transparently. This study emphasizes the importance of managing controversial issues and selecting the right brand ambassador in marketing strategies to maintain brand loyalty and consumer purchasing decisions.
Analysis Of Sharia Mortgage Financing In Puri Khazanah Regency Batang Kuis Housing At Btn Syariah In 2021-2024 Shabira, Yusra; Yanti, Nursantri; Jannah, Nurul
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol. 7 No. 1 (2025)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v7i1.317.1-17

Abstract

This study aims to analyze the effectiveness of subsidized Sharia mortgage financing distribution carried out by BTN Syariah in Puri Khazanah Regency Batang Kuis Housing. Using qualitative descriptive methods, this study identifies and analyzes the experiences and challenges faced by customers in the sharia financing process. This study focuses on a housing complex with 40 units and the research approach through interviews with 10 selected customers, the results of the study indicate that some customers face payment difficulties that lead to bad debts, which are caused by economic instability. The conclusion of this study emphasizes the need for a more effective restructuring strategy and a more sensitive approach to the economic conditions of customers to increase the success of Sharia mortgage financing distribution. Another implication concerns the need for more intensive financial education for low-income communities, so that they understand the responsibilities and risks in mortgage financing, and have mature financial planning before making a decision to borrow. For housing developers, this study emphasizes the importance of working more closely with banks to ensure the sustainability of housing projects and customer satisfaction. Overall, this study shows that the success of the Sharia mortgage financing program depends not only on the financing agreement and structure, but also on the sensitivity of the institution to the dynamics of the community's economy. In addition, these results highlight the importance of developing more flexible and adaptive financing restructuring strategies, such as adjusting tenors or postponing installment payments under certain conditions
Islamic Economic-Based Home Industry Development Strategy Using SOAR Analysis Purba, Febri Andriawan; Yanti, Nursantri; Ilhami Nasution, Muhammad lathief
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This study aims to analyze the development strategy of home industries based on Islamic economics using the SOAR (Strengths, Opportunities, Aspirations, and Results) analysis approach, with a case study on the rattan basket business in Kualuh Selatan District. The rattan basket home industry has significant economic potential due to its foundation in local wisdom and alignment with Islamic economic principles such as justice, blessing, and collective welfare. This research uses a qualitative method with data collected through literature reviews and direct interviews with local craftsmen. The findings indicate that the main strengths of the business lie in the availability of raw materials and the skills of the artisans, while opportunities include increasing market demand and government support. The result is this business relies on traditional skills and local raw materials, and makes a significant economic contribution to the surrounding community. However, various obstacles remain, such as limited capital, traditional equipment, and limited market access. Using the SOAR (Strengths, Opportunities, Aspirations, Results) analysis approach, this study shows that internal strengths such as artisan skills and abundant raw materials can be combined with external opportunities such as government support and digital marketing. The aspiration to improve product quality, expand employment opportunities, and introduce modern technology are the main drivers for this business’s development.
Business Development Strategy through Productive Waqf Aqashah, Faisal; Siregar, Saparuddin; Yanti, Nursantri
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

This research discusses business development strategies through productive waqf with a case study at the Asy-Syafaah Mosque, Tebing Tinggi City. Productive waqf is an innovation in waqf asset management that aims to provide sustainable economic and social benefits. The Asy-Syafaah Mosque utilizes waqf assets in the form of kiosks that are rented out to the community, and the proceeds are used to finance the operation of a free afternoon madrasa for children. This research uses a qualitative approach with a field study method, including in-depth interviews, observation, and documentation. SWOT analysis is used to identify strengths, weaknesses, opportunities, and threats in productive waqf management based on kiosk leasing. The results showed that productive waqf management at the Asy-Syafaah Mosque is able to provide multiple benefits, namely supporting religious education and empowering the economy of the surrounding community. The right management strategy can be a reference for other mosques in developing productive waqf as an effort to empower the economy and social community.
Banana Chip Home Industry Development Strategy Using the Pentahelix Approach: An Islamic Economic Review Medeni, Desi Chintiara; Marliyah; Yanti, Nursantri
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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Abstract

The banana chip home industry in Sengon Sari Village faces challenges in business development despite having been in operation for decades. This study aims to identify development strategies for the banana chip home industry using a pentahelix approach with an Islamic economic perspective on the business owned by Mrs. Warsina in Sengon Sari Village. The research method used is qualitative, with data collection techniques involving interviews and observations of the five pentahelix stakeholders (academics, business operators, government, community, and media). Data analysis utilized the SOAR approach (Strengths, Opportunities, Aspirations, Results) to identify internal strengths and external opportunities. The research findings indicate that factors related to strengths and aspirations suggest a solid potential for development. The main strategies recommended include: developing an environmentally sustainable strategy, digital promotion, market access through e-commerce, sharia financial management training, and optimizing social media for transparent promotion. The implementation of these strategies aligns with the principles of Islamic economics, which emphasize justice, honesty, tawhid, and responsible leadership, thereby enhancing business competitiveness while benefiting the wider community.
The Economic Role of Customer Relationship Management in Enhancing Shopping Convenience: An Islamic Business Ethics Approach Leswara, Malda Davitha; Nurbaiti, Nurbaiti; Yanti, Nursantri
International Journal of Economics Development Research (IJEDR) Vol. 6 No. 5 (2025): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v6i5.9073

Abstract

This study aims to analyze the implementation of Customer Relationship Management (CRM) in enhancing consumer shopping comfort from the perspective of Islamic business ethics at Farida Fashion Store. A qualitative descriptive approach was employed, using observation, interviews and documentation as data collection methods. The findings reveal that CRM is implemented through personal interactions between employees and customers, without the support of integrated digital systems. Despite this, After implementing CRM, employees became more structured in their customer service, allowing them to maintain their best service for customers such an approach has successfully built customer loyalty and increased satisfaction. From the Islamic business ethics perspective, the store applies five key principles: tauhid (oneness), justice, free will, responsibility, and ihsan (excellence). However, challenges remain, including limited human resources, minimal use of technology. However, challenges remain, such as understaffing and suboptimal technology utilization. With gradual improvements, CRM in this store can be better and provide benefits to both the business and customers.
Pengaruh Tingkat Bagi Hasil, Inflasi Dan Cost To Income Terhadap Pembiayaan Musyarakah Di Bank Syariah Indonesia Tahun 2024 Indah Wahyuni; Tuti Anggraini; Nursantri Yanti
Jurnal Economic Resource Vol. 8 No. 2 (2025): September - February
Publisher : Fakultas Ekonomi & Bisnis Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57178/jer.v8i2.1872

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh tingkat bagi hasil, inflasi, dan cost to income terhadap pembiayaan musyarakah di Bank Syariah Indonesia tahun 2024, baik secara parsial maupun simultan. Jenis penelitian yang digunakan adalah kuantitatif deskriptif dengan data sekunder yang diperoleh dari laporan keuangan Bank Syariah Indonesia tahun 2024. Sampel penelitian berjumlah 48 data dengan teknik sampling jenuh. Analisis data dilakukan melalui uji statistik deskriptif, uji asumsi klasik, regresi linear berganda, uji t, uji F, serta uji koefisien determinasi menggunakan program IBM SPSS 26. Hasil penelitian menunjukkan bahwa tingkat bagi hasil berpengaruh positif dan signifikan terhadap pembiayaan musyarakah, inflasi tidak berpengaruh signifikan terhadap pembiayaan musyarakah, sedangkan cost to income berpengaruh positif dan signifikan terhadap pembiayaan musyarakah. Secara simultan, variabel tingkat bagi hasil, inflasi, dan cost to income berpengaruh signifikan terhadap pembiayaan musyarakah di Bank Syariah Indonesia tahun 2024. Temuan ini mengindikasikan bahwa faktor internal bank berupa efisiensi operasional dan tingkat bagi hasil lebih menentukan dalam mendorong pembiayaan musyarakah dibandingkan faktor eksternal seperti inflasi.
Generation Perceptions and Interests of Millennials in Zakat Digitally in Medan City Anwar, Muhammad; Nasution, Juliana; Yanti, Nursantri
Journal of Applied Business Administration Vol 9 No 2 (2025): Journal of Applied Business Administration
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.10694

Abstract

This study aims to analyze the relationship between perceptions and interests in digital zakat payments among millennials in Medan City. This is based on the rapid development of technology, finance, and zakat digitalization, which significant improvements have not yet matched in national zakat collection realization. This study employs a quantitative approach with a descriptive correlational design. The sample consists of 85 millennial respondents living in Medan City who have experience or knowledge of digital zakat platforms. Data were collected through a closed-ended questionnaire using a Likert scale and analyzed using validity, reliability, Pearson correlation, and linearity tests. The results indicate that millennials' perceptions of digital zakat fall into the positive category, with an average score of 65.92. Meanwhile, their interest is also classified as high, with an average of 48.16. The correlation analysis shows a positive and significant relationship between perceptions and interests in digital zakat (r = 0.563; p < 0.001). This confirms that stronger perceptions of the convenience, security, and benefits of digital zakat led to higher interest in paying zakat through digital channels. This research makes a significant contribution to designing more inclusive, educational, and relevant digital zakat collection strategies for millennials in the digital era.
Analisis Penerapan Anggaran Dana terhadap Kinerja pada BPJS Ketenagakerjaan Cabang Medan Utara Naufal, Muhammad; Yanti, Nursantri; Silalahi, Purnama Ramadani
Journal of Economics and Management Scienties Volume 8 No. 1, December 2025 (Accepted)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v8i1.225

Abstract

Penelitian ini bertujuan untuk menganalisis penerapan anggaran dana dan pengaruhnya terhadap kinerja BPJS Ketenagakerjaan Cabang Medan Utara. Anggaran dana yang dikelola dengan baik diharapkan dapat meningkatkan efektivitas operasional dan kualitas layanan kepada peserta BPJS Ketenagakerjaan. Penelitian ini juga mengidentifikasi faktor-faktor yang mempengaruhi pencapaian target anggaran serta dampaknya terhadap kinerja organisasi. Penelitian ini menggunakan pendekatan kuantitatif dan kualitatif. Data diperoleh melalui wawancara dengan pihak terkait di BPJS Ketenagakerjaan, serta analisis dokumen seperti Rencana Kegiatan dan Anggaran Tahunan (RKAT) dan laporan keuangan. Metode analisis yang digunakan meliputi analisis deskriptif dan analisis varians untuk membandingkan anggaran yang direncanakan dengan realisasi yang dicapai. Hasil penelitian menunjukkan bahwa realisasi anggaran pada tahun 2022 melampaui target yang ditetapkan, dengan pencapaian pendapatan sebesar 110,02% dari RKAT. Efisiensi dalam pengelolaan beban operasional juga tercermin dari realisasi yang lebih rendah dibandingkan anggaran yang direncanakan. Namun, meskipun terdapat peningkatan aset neto yang signifikan pada tahun 2022, proyeksi tahun 2023 menunjukkan adanya penurunan, yang mengindikasikan kebijakan investasi atau strategi alokasi dana yang lebih konservatif. Selain itu, partisipasi dalam penyusunan anggaran terbukti berkontribusi terhadap peningkatan akuntabilitas dan efektivitas dalam pengelolaan anggaran. Penelitian ini menyimpulkan bahwa penerapan anggaran yang sistematis dan berbasis data berperan penting dalam meningkatkan kinerja BPJS Ketenagakerjaan. Oleh karena itu, optimalisasi perencanaan, pengawasan, dan evaluasi anggaran perlu dilakukan secara berkelanjutan agar dapat terus memberikan manfaat yang maksimal bagi peserta.
Co-Authors Adelia Azizi Admar, Ok Agam Afwan Hafizh Ahmad Amin Dalimunthe Ahmad Syakir Ahmad Syakir Ajeng Manjana Alicia, Febi Amelia, Anika Ananda Ibnu Sobri Hsb Andri Soemitra Angga Putra Suhadi Anika Amelia Anisya Putri Syam Sinambela Annio Indah Lestari Nasution Annio Indah Lestari Nasution Aqashah, Faisal Arafah, Adinda Arifin Fauzi Lubis Arnida Wahyuni Lubis Arya Farhan Asmuni Asshifa Nazila Aridzki Atika Atika Atika Suri Atika Suri Azhri Akmal Tarigan Batubara, Soraya Alyya Syam Bi Rahmani, Nur Ahmadi Budi Harianto, Budi Budi Prianto Dara Puspita Dedek Joefanny Della, Della Alvionita Desi Rahmawati Supraja Dimas Azhari Dwi Septialamsyah Elsa, Nazwa Alpuja Erlina Erlina Erna Sipahutar Etika Manda Sari Rangkuti Fadila, Shintiya Februari, Budi Filda, Muhammad Amrozi Hafidah Ayu Kusnadi Hani, Zulfa Harahap, M. Ikhsan Harahap, Muhammad Ikhsan Hsb, Sarmania Hutabarat, Nadya Namora Ian Alfian Iin Prasetyo Ilhami Nasution, Muhammad lathief Indah Wahyuni Inten Sulistya Ningsih Juliana Nasution Juwairiazizah Rasta K, Kamilah Kamila K Kamilah, Kamilah Khairina, Nabila Lailanur Fadillah Nasution Larah, Anggi Dwi Lesmana, Angga Leswara, Malda Davitha Lisa Chintiya Tambunan Lubis, Herlina Lubis, Nursakilah M Arif Haikal Lubis M. Ikhsan Harahap Maidalena, Maidalena Manurung, Ibnu Syawali Marliyah Marliyah Marliyah, Marliyah Marliyah, Marliyah Maryam Batubara Medeni, Desi Chintiara Miftahul Jannah Hasibuan Muhammad Andre Wardhana Muhammad Anwar Muhammad Arif Muhammad Da’i Arham Muhammad Farhan Muhammad Fauzan Muhammad Ikhsan Harahap Muhammad Lathief Ilhamy Nasution Muhammad Naufal, Muhammad Muhammad Ramadhan muhammad Syahbudi, muhammad Muhammad Zieo Addefrid Putra Munthe, Yusromuin Mustafa Khamal Rokan Nadya Ervina Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Fathia Zuhra Nasution, Juliana Nasution, Muhammad Lathief Ilhammy Nasution, Sakinah Jahrani Natasya, Adelia NUR AHMADI BI RAHMANI Nuraini Nuraini Nurbaiti Nurbaiti Nurbaiti Nurhayani Nurhayani Nuri Aslami Nurul Inayah Nurul Inayah Nurul Jannah Nurul Wahidah Nurwani Ongku Indramora Siregar Purba, Febri Andriawan Puspa, Chairunnisa Dian Putri, Dinda Karunia Rafika Afifah Angkat Rafli, Mhd Rahma, Tri Inda Fadhila Rahmad Syah Rizal Rahmani, Nur Ahmadi Bi Rahmatul Fadilah Rahmi Syahriza Rahmi Syahriza, Rahmi Reni Dwijaya RENI TANIA PURBA Reni Yusnita Ridayanti Ridayanti Risma Warti Ritonga, Dendi Dwi Ritonga, Lilis Suryani Rizki Hambali Hsb Sahri Aramiko Saidah Khairiyah Hasibuan Salman Al-faridzi Saparuddin Siregar Saparuddin Siregar Shabira, Yusra Silalahi, Purnama Ramadani Silvia Anggrie Nst Silvia Fransiska Siregar, Atika Siregar, Fadilla Khairunnisya Siti Hot Nita Hasibuan Siti Rohani Siti Zumara Sri Mutia Fazira Sri Ramadhani Sri Sudiarti sri sudiarti Sri Sudiarti Sri Sudiarti Suhairi Suhairi Susi Apriliani Tiwi Bastari Batubara Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Trisnawati Tuti Anggraini Tuti Anggraini Tuti Anggraini Vania Sally Nabila Wahyu Syarvina Waizul Qarni Wicaksana Dwi Prasetiyo Wili Dani Anwar Soleh Siregar Winda Irmayani Sijabat Windy Puspita Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuhda, Ahmad Sabili Yuliana Yuliana Yumna, Afrian Andika Yusra Amelia Hsb Zainarti Zuhrinal M. Nawawi Zulfa Khoiriah Zulfahani Zulhasby Assidqy Nasution