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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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Analisis Penanganan Nasabah Meninggal Dunia pada Pembiayaan Murabahah di Bank Syariah Indonesia KCP Seumadam Elsa, Nazwa Alpuja; Yanti, Nursantri; Inayah, Nurul
Journal of Economics and Management Scienties Volume 7 No. 4, September 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i4.230

Abstract

Penelitian ini meneliti cara penyelesaian pembiayaan murabahah saat nasabah meninggal dalam lembaga perbankan syariah di Indonesia. Dengan menggunakan metode kualitatif deskriptif, informasi dikumpulkan melalui analisis dokumen kebijakan, pemeriksaan arsip klaim, dan wawancara semi-terstruktur dengan petugas pembiayaan, tim kepatuhan syariah, serta mitra takaful. Analisis tematik diterapkan untuk menggambarkan proses penanganan dari saat diberitahukannya kematian nasabah, verifikasi waris, pengajuan klaim di perusahaan takaful, hingga penyelesaian kewajiban dan penutupan akad. Temuan menunjukkan ada tiga pola utama; (1) pelunasan oleh penanggung (takaful kredit) sesuai dengan sisa pokok yang tercantum pada polis; (2) pelunasan oleh ahli waris jika klaim bersifat parsial atau ditolak; dan (3) restrukturisasi terbatas tanpa mengabaikan kepatuhan pada Fatwa DSN-MUI terkait murabahah. Kendala utama yang dihadapi meliputi kelengkapan dokumen waris, penyelarasan data antara bank dan takaful, serta interpretasi klausul pengecualian risiko. Praktik terbaik yang disarankan termasuk pengintegrasian manfaat perlindungan jiwa syariah pada saat akad, pembuatan daftar periksa standar untuk klaim, dan komunikasi yang proaktif antar pihak terlibat. Hasil penelitian ini memperkaya kajian mengenai interaksi antara bank dan takaful dalam mengurangi risiko pembiayaan serta memberikan pedoman operasional bagi bank syariah untuk menyeimbangkan kepentingan nasabah atau ahli waris, kepatuhan syariah, dan kesehatan portofolio.
PENGARUH INFLASI DAN TRANSAKSI E-MONEY TERHADAP PERPUTARAN UANG DI INDONESIA PRIODE 2018-2024 Filda, Muhammad Amrozi; Siregar, Atika; Yanti, Nursantri
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 03 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i03.48427

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh inflasi dan transaksi e-money terhadap perputaran uang (jumlah uang beredar) di Indonesia selama periode 2018 hingga 2024. Data yang digunakan merupakan data time series tahunan yang dianalisis dengan metode regresi linier berganda menggunakan software EViews. Hasil penelitian menunjukkan bahwa baik inflasi maupun transaksi e-money memiliki pengaruh positif dan signifikan terhadap jumlah uang beredar di Indonesia. Inflasi terbukti secara parsial meningkatkan jumlah uang beredar, yang sejalan dengan teori kuantitas uang, sementara peningkatan penggunaan e-money juga turut memperluas likuiditas ekonomi secara digital. Secara simultan, kedua variabel tersebut signifikan memengaruhi jumlah uang beredar dengan tingkat determinasi model sebesar 96,57%, yang menunjukkan bahwa model memiliki kemampuan prediksi yang sangat baik. Uji asumsi klasik juga menunjukkan bahwa model bebas dari multikolinearitas, bersifat linier, dan memiliki residual yang terdistribusi normal. Temuan ini mengindikasikan bahwa kebijakan pengendalian inflasi dan pengelolaan transaksi digital perlu diperhatikan untuk menjaga kestabilan moneter di era digital.
Analysis of Accounting Information System in the Management of Merchandise Inventory at Zeirrie Collection Store Admar, Ok Agam; Nurwani; Yanti, Nursantri
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.v7i4.8031

Abstract

The Accounting Information System (AIS) is a computer-based system that transforms accounting data into information to support business continuity. Merchandise inventory, as a crucial component, requires proper management since it represents a significant current asset. This study aims to analyze the implementation of AIS in inventory management at Zeirrie Collection Store. The research employed a descriptive qualitative method through observation, interviews, and documentation. The subjects of this study were the owner, warehouse staff, and cashier of Zeirrie Collection Store. The findings indicate that the use of the accounting information system in managing merchandise inventory has not yet been fully optimized. Discrepancies between system data and physical stock were still identified, caused by input errors, manual recording, and weak internal controls. The absence of standard operating procedures (SOPs), unclear division of tasks, and limited employee understanding of the system are identified as inhibiting factors. Thus, the AIS applied has not been fully capable of supporting operational efficiency and inventory information accuracy.
Factors Influencing Maize Farmers' Skills on the Success of Maize Farmers in Deli Serdang District Rizki Hambali Hsb; Zainarti; Nursantri Yanti
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2524

Abstract

This study examines the factors that influence the success of maize farmers in Deli Serdang District with a focus on skills, knowledge, and attitudes/actions. The research was conducted in three villages, namely Suka Maju Village, Sampu Cipta Village, and Gunung Tinggi Village. The sampling method used was simple random sampling with a purposive approach. 69 respondents were selected based on the stratified random sampling formula. Data analysis used multiple linear regression with the help of SPSS software. The results showed that the Knowledge variable (X1) had a significant effect on the success of maize farmers, while the Attitude/Action variable (X2) did not show a significant effect. Furthermore, the results of the F test showed that together the two variables did not have a statistically significant effect on the success of farmers.
Analysis of the Implementation of Good Corporate Governance Principles in Risk Management at Islamic Bank PT. BPRS Puduarta Insani Della, Della Alvionita; Nasution, Juliana; Yanti, Nursantri
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2644

Abstract

This study uses a qualitative approach with data collection methods, namely observation, interviews and documentation. The analysis process in this study is data reduction, description, drawing conclusions and finally checking the validity of the data. Based on the results of the research and analysis conducted by the author, it can be concluded that the implementation of good corporate governance (GCG principles) in the management of financing risks at BPRS Puduarta Insani has been implemented well. There are five aspects of the principles of Good Corporate Governance (GCG) that have been implemented well, namely transparency, accountability, responsibility, independence, and fairness. The implementation of GCG in managing risk management at PT. BPRS Puduarta Insani shows that the company has implemented these principles well. This bank has also developed a risk management strategy to manage its operational activities effectively and maintain optimal performance. However, BPRS Puduarta Insani is currently facing challenges, such as customers who experience delays in paying bills, or what is often referred to as bad debt.
Influence of Knowledge Sharing, Engagement, and Spirituality on Employee Performance at Kualuh Selatan District Office Munthe, Yusromuin; Nasution, Yenni Samri Juliati; Yanti, Nursantri
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2701

Abstract

This study uses a quantitative method with an associative approach to examine the influence of knowledge sharing, employee engagement, and workplace spirituality on employee performance. The research was conducted at the Kualuh Selatan Subdistrict Office, Labuhanbatu Utara Regency, involving 35 respondents. Data were collected through questionnaires that had been tested for validity and reliability. The validity test confirmed that all instrument items were appropriate, and a Cronbach’s Alpha value of 0.708 indicated good internal consistency. Data analysis was carried out using multiple linear regression to determine the partial and simultaneous influence of the three independent variables on employee performance. The findings reveal that knowledge sharing, employee engagement, and workplace spirituality all have a positive and significant effect on performance. Employee engagement was found to have the most dominant influence, followed by knowledge sharing and workplace spirituality. The F-test showed the regression model is simultaneously significant, and the coefficient of determination (R²) value of 0.621 indicates that the model explains 62.1% of the variation in employee performance. These results highlight the importance of enhancing work engagement, knowledge collaboration, and spiritual values to improve performance in public sector organizations.
THE EFFECT OF LOAN ACCESSIBILITY AND FINANCIAL PLANNING ON ONLINE LOAN CONSUMER BEHAVIOR Yumna, Afrian Andika; Rahmani, Nur Ahmadi Bi; Yanti, Nursantri
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12628

Abstract

The purpose of this study is to ascertain how State Islamic University of North Sumatra (UINSU) Faculty of Economics and Islamic Business (FEBI) students use online loan services in connection to loan accessibility and financial planning. The background of this study is the rise in student use of online loan services, which are typically used to finance lifestyle needs rather than necessities. Through purposive sampling, 100 students were chosen to take part in the survey for this associative quantitative study. SPSS version 25 and multiple linear regression were used for data analysis. Purposive sampling was used to select 100 students for this study, which employs an associative approach and survey method. A p-value of 0.000 and a regression coefficient of 0.638 demonstrate that loan accessibility has a significant and positive impact on consumer behavior.  A regression coefficient of 0.438 and a p-value of 0.000 show that financial planning has a significant and advantageous effect.  Both variables have a significant impact on consumer behavior, as evidenced by the significance value of 0.000 and the F-count value of 93.419 (which is higher than the F-table value of 3.09), respectively.  With a coefficient of determination (R2) of 0.658, financial planning and loan accessibility account for 65.8% of the variation in student consumption patterns.  The remaining 34.2% are affected by factors that are not part of the research model
Manajemen Risiko dalam Program Bantuan Sosial di Labuhanbatu Utara: Perspektif Ekonomi Islam dan Maqasid al-Syariah Ritonga, Dendi Dwi; Yanti, Nursantri; Harahap, M. Ikhsan
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 2 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i2.15155

Abstract

This study investigates risk management in social assistance programs in North Labuhanbatu Regency (PKH, BPNT, YAPI, and PBI BPJS Kesehatan), with emphasis on Islamic economic perspectives. Using a qualitative case study through interviews, observations, and document analysis, it reveals that despite formal reference to Government Regulation No. 04/2019 and ISO 31000:2018, implementation faces major challenges: mistargeting, data duplication, distribution delays, limited human resources, weak coordination, and inadequate technology. These hinder program effectiveness. From an Islamic economics lens, such flaws violate principles of justice, trustworthiness, and protection of wealth. Mistargeting denies the rights of the poor, while weak oversight risks fund misuse. Applying maqasid al-shariah demands strengthening data systems, improving human resources as a form of trustworthiness, and ensuring transparent distribution for maslahah. The study concludes that effectiveness and barakah (blessing) require integrating modern risk management with Islamic ethics, offering a governance model that is efficient, accountable, just, and sustainable.
Entrepreneurial Orientation, Dynamic Capability and Innovation: The Effect on The Performance of MSMEs Lesmana, Angga; Yanti, Nursantri; Marliyah, Marliyah
Edueksos Jurnal Pendidikan Sosial & Ekonomi Vol 14, No 2 (2025)
Publisher : Department of Tadris IPS FITK UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/edueksos.v14i2.22168

Abstract

Investigating how innovation, dynamic capabilities, and entrepreneurial orientation affect the performance of Micro, Small, and Medium Enterprises (MSMEs) in Medan City is the objective of this study. The background of this study is based on the significant role of MSMEs in the Indonesian economy, but many still face challenges in maintaining competitiveness amid technological developments and market dynamics. This study uses quantitative methodology and survey techniques, with questionnaires distributed to MSMEs in Medan City. The impact of independent factors on MSME performance is analyzed using multiple linear regression. The findings show that innovation, dynamic capacity, and entrepreneurial mindset have a significant and positive impact on MSME success. These results highlight the importance of developing entrepreneurial traits, flexibility, and product or service innovation to improve the success of MSMEs. This study is designed to be a resource for business leaders and policymakers in developing more successful MSME development strategies.Keywords: entrepreneurial orientation, dynamic capabilities, innovation, MSME performance, economic uncertainty
ANALYSIS OF THE CULINARY TOURISM DEVELOPMENT STRATEGY IN TAHU VILLAGE, ISLAMIC ECONOMIC REVIEW Fadila, Shintiya; Rahma, Tri Inda Fadhila; Yanti, Nursantri
Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Vol 18, No 4: October - December 2025
Publisher : LPPM Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/pamator.v18i4.32071

Abstract

Kampung Tahu, as a culinary tourism destination, has great potential for optimal development. To ensure its consistency with Islamic economic principles, which emphasize justice, sustainability, and shared prosperity, the implemented development plan must be examined. Therefore, this study aims to determine the strategy for developing Kampung Tahu culinary tourism from an Islamic economic perspective. This study used the Systematic Literature Review (SLR) method with a search strategy in Google Scholar and Sinta published from 2020 to 2024. The results obtained indicate that the strategy is consistent with current theory and the promotional strategy is the most strategic approach. Entrepreneurs have also applied Islamic principles in running their businesses, which include the importance of conducting business fairly, honestly, and trustworthy, as well as paying attention to the quality of raw materials that are guaranteed halal.Keywords: Development Strategy, Tourism, Culinary Tourism, Islamic Economics
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