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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 Tasharruf: Journal Economics and Business of Islam 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 Journal of Islamic Economics Lariba 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 Majapahit Journal of Islamic Finance dan Management 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 Majapahit Journal of Islamic Finance dan Management JER ManBiz: Journal of Management and Business Journal of Ekonomics, Finance, and Management Studies Ulil Albab JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Jurnal Ekonomi dan Bisnis Islam
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ANALISIS PANERAPAN MEKANISME AKAD MURABAHAH PADA PEMBIAYAAN MULTIGUNA KONSUMTIF DI PT BANK SUMUT SYARIAH KCP PANYABUNGAN Nursantri Yanti; Silvia Fransiska
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.317

Abstract

The formulation of the problem in this study is "How is the application and mechanism of the murabaha contract on consumptive multi-purpose financing at PT Bank SUMUT Panyabungan Syariah Sub-Branch Office. This research focuses on the application and mechanism of the murabahah contract on consumptive multipurpose financing at PT Bank SUMUT Syariah Sub-Branch Office Panyabungan and to find out whether the application and mechanism of the murabahah contract on consumptive multipurpose financing are adjusted. This qualitative research uses primary and secondary data. Primary data was obtained from interviews with staff in the accounting department at the bank. The results show that the application of the murabahah contract in consumptive multipurpose financing at PT Bank SUMUT Syariah Sub-Branch Office Panyabungan has not been fully implemented in accordance with the requirements. There are two points that are not in line, namely "the customer's lack of knowledge about the contract to be made and the lack of incomplete files when making a contract". Because customers do not understand and understand Islamic finance, PT Bank SUMUT Syariah Sub-Branch Office Panyabungan has not fully implemented the provisions of the fatwa.
Konsep Penerapan Pembiayaan Murabahah Pada bank Sumut Syariah KCP Rantau Prapat Yusra Amelia Hsb; Nursantri Yanti
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 1 No. 4 (2023): Desember
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v1i4.327

Abstract

This article analyzes the concepts of murabahah financing, this is done because there are still deviations in the implementation of murabahah financing, namely differences between the rules underlying murabahah financing and existing practices in the field. In this article, we compare the existing regulations with direct practical situations in the field involving several informants (practitioners and customers concerned) as well as with the support of several other supporting literature. The results of this research state that the application of murabahah in sharia banking practices is divided into three categories: The first type is consistent with muamalah fiqh. The second type is similar to the first type, but transfers ownership directly from the supplier to the customer, while the payment is made by the bank directly to the first seller/supplier and the third type is that the bank enters into a murabahah agreement with the customer, and at the same time represents (wakalah contract) to the customer for buy the things you want to buy yourself. Murabahah financing services for types 2 and 3 still need to be reviewed and re-evaluated because even though the financing is considered valid according to the Criminal Code law, it is still not valid according to Islamic law because the pillars of sale and purchase are still not fulfilled, namely ownership of the murabahah object. For this reason, researchers are developing the existing concept, namely a collaboration system between banks and suppliers.
Cybersecurity Impact of Cybercrime in Strengthening Trust In BSI Kc Rantau Prapat Zulfa Khoiriah; M. Ikhsan Harahap; Nursantri Yanti
Kontigensi : Jurnal Ilmiah Manajemen Vol 12 No 1 (2024): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v12i1.559

Abstract

The study aims to analyze the impact of cybercrime security in increasing customer confidence in bsi kc prapat region.This research uses a quantitative method with a case study approach. Data collected through questionnaires A new study was conducted to test the impact of cybercrime security on customer confidence, involving customers of Bank Syariah Indonesia (BSI) in the Prapat Region. Research results show that cybercrime security has a positive and significant impact on customer confidence, suggesting that customers have more confidence in banks that are able to secure their data from cyber crime threats.In conclusion, cybercrime security plays an important role in building andining customer confidence in the Shariah financial industry. Banks need to continue to improve their security infrastructure and respond quickly to security incidents to ensure customer confidence remains awake.
Pengaruh Layanan Internet Banking, Mobile Banking, Dan Automatic Teller Machine (ATM) Terhadap Tingkat Kepuasan Nasabah Bank Syariah Di Indonesia (Studi Kasus Mahasiswa Fakultas Ekonomi Dan Bisnis Islam Angkatan 2019) Hafidah Ayu Kusnadi; Nurbaiti Nurbaiti; Nursantri Yanti
JURNAL MANAJEMEN DAN BISNIS EKONOMI Vol. 2 No. 1 (2024): January : JURNAL MANAJEMEN DAN BISNIS EKONOMI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jmbe-itb.v2i1.1001

Abstract

This research aims to determine the influence of internet banking services,Mobile Banking, and Automatic Teller Machine (ATM) on Satisfaction Sharia Bank Customers in Indonesia (Case Study of Students from the Faculty of Economics and Islamic Business Class of 2019). This study uses a quantitative approach. In this study a questionnaire was used to collect data, and 97 Students at the Faculty of Islamic Economics and Business Class of 2019 were selected as sample using the Accidental Sampling method. Data analysis in research this is quantitative data analysis. Statistical tests are known as Regression Tests Multiple Linear, t-test, f-test, and Coefficient of Determination (R2) are all components of this analysis, and also tests of classical assumptions. Based on testing The hypothesis with the partial T test can be concluded that the internet banking variable mobile banking and ATM partially have a significant effect on satisfaction. Based on hypothesis testing with the Simulta F test, it can be concluded that internet banking, mobile banking and ATM variables together influence the level of satisfaction of Sharia Bank customers.
Analysis of Sharia Banking Compliance and Compliance in Implementing Sharia Economic Principles on the Murabahah Bil Wakalah Contract: A User's Perspective on Good Corporate Governance Yuhda, Ahmad Sabili; Yanti, Nursantri; Aslami, Nuri
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 14, No 1 (2024)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21927/jesi.2024.14(1).%p

Abstract

Good Corporate Governance (GCG), user trust and satisfaction, policy development, and improving sharia banking practices. Research problems in the analysis of the obedience and compliance of Islamic banking in implementing the principles of Sharia economics in the murabahah bil wakalah contract from the perspective of good corporate governance (GCG) users can involve several challenges and key questions. Data and information limitations, implementation variability difficulties in measuring obedience, uneven GCG compliance, differences in sharia interpretation influence of regulations and policies, user satisfaction and transparency, challenges in performance appraisal. The research method used is a qualitative approach, namely the content of article analysis from the google scholar database. The content of the article analysis was carried out to obtain a mapping of the main theme related to Islamic banking compliance in implementing the principles of Islamic economics discussed in the google scholar database in a certain period. After the selection of the next article will be analyzed by reading the contents one by one. The results of the research found that there are still many Islamic banks that use GCG that have not complied with and obeyed the principles of Sharia economics according to the fatwa DSN-MUI, especially in the Murabahah bil Wakalah contract. The purpose of the research carried out in writing this article is to analyze the obedience and compliance of Islamic banking in implementing the principles of Sharia economics, Conclusion Islamic banking that implements the GCG system still does not fully implement the principles of Sharia economics related to the DSN-MUI fatwa regarding the murabahah bil wakalah contract to avoid transactions that contain elements of maghrib to increase customer public trust in Islamic banking.
Pengaruh Corporate Social Responsibility Dan Kepemilikan Manajerial Terhadap Nilai Perusahaan Dengan Profitabilitas Sebagai Variabel Moderating ( Studi Kasus Bank UMUM Syariah Indonesia ) Ananda Ibnu Sobri Hsb; Mustafa Khamal Rokan; Nursantri Yanti
Jurnal Riset Ekonomi dan Akuntansi Vol. 1 No. 4 (2023): December: JURNAL RISET EKONOMI DAN AKUNTANSI
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jrea-itb.v1i4.981

Abstract

This research aims to find out and analyze how and how much influence individual factors and social factors have on students' interest in pursuing a career in sharia banking. The research method used in this research is a quantitative descriptive approach. The type of data used is secondary data obtained from the BEI. The subject of the research is a Sharia Commercial Bank and the object of this research is 5 years. The test tool used in this research is Eviws 20.0 to test classical assumptions, multiple regression analysis, and hypothesis testing. Based on the results of hypothesis testing, namely Corporate Social Responsibility and Managerial Ownership of Company Value. So the research hypothesis testing is that Ha is accepted and H0 is rejected. Based on the results of hypothesis testing, namely Corporate Social Responsibility and Managerial Ownership of Company Value with Profitability as moderation. So the research hypothesis testing is that Ha is accepted and H0 is rejected
The Influence Of Marketing Mix On Customer Loyalty Using Smart IB Savings Products Nasution, Fathia Zuhra; Yanti, Nursantri; Inayah, Nurul
Jurnal Manajemen Bisnis Vol. 11 No. 2 (2024): September
Publisher : Pusat Penerbitan dan Publikasi Ilmiah, FEB, Universitas Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33096/jmb.v11i2.848

Abstract

The aim of this research is to find out whether customer loyalty to the Smart iB Savings product of Bank Sumut Kcp Syariah Karya is influenced by the Marketing Mix during the 2018–2023 period. Participants in this research were customers of Bank Sumut Kcp Syariah Karya. Quantitative research is the methodology used. Researchers only selected a sample of 33 customer respondents, so the selection was carried out using a saturated sampling technique. Validated and reliable questionnaires were included in the data collection methods. Multiple linear regression, classical assumption test, F hypothesis test, t hypothesis test, and coefficient of determination are data analysis methods used to answer hypotheses. The results of the research conducted show that the coefficient of determination (adjusted R square) is 0.663 or 66.3%. That Price, Product, Place and Promotion simultaneously influence the loyalty of customers who use the Smart iB Savings product at Bank Sumut Kcp Syariah Karya Period 2018-2023. Price has no effect on customer loyalty who use the Smart iB savings product at Bank Sumut Kcp Syariah Karya for the 2018-2023 period. The product influences the loyalty of customers who use the Smart iB savings product at Bank Sumut Kcp Syariah Karya for the 2018-2023 period. Place has no effect on customer loyalty who use the Smart iB savings product at Bank Sumut Kcp Syariah Karya for the 2018-2023 period. Furthermore, promotions have an effect on customer loyalty who use Smart iB savings products at Bank Sumut Kcp Syariah Karya for the 2018-2023 period.
Mekanisme Restrukturisasi Dalam Penyelesaian Pembiayaan Murabahah Bermasalah Pada Bank Sumut Syariah KC Medan Katamso Afwan Hafizh; Nursantri Yanti
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 3 No. 2 (2023): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v3i2.1207

Abstract

The purpose of this study is to understand the restructuring mechanism in solving problematic murabahah financing at Bank Sumut Syariah KC Medan Katamso. This research uses descriptive qualitative method. The source of the data obtained and used in this study was obtained directly at the research location at PT Bank Sumut Syariah KC Medan Katamso. This study uses primary data. In addition, in this study, raw data was also collected in the form of secondary data, such as evidence, documents or historical reports, documents, archives, whether published or not. The data collection that the writer did was through observation, interviews and document studies. Observations were made through direct observation at PT Bank Sumut Syariah KC Medan Katamso. Interviews were addressed directly to the Business or Marketing division of PT. Bank Sumut Syariah KC Medan Katamso according to the information needs by answering the questions raised by the author. Document research conducted by the author is in the form of written data or other documents needed by the author. After doing the research, it can be concluded that the North Sumatra Sharia KC Medan Katamso Bank in implementing the restructuring mechanism there are principles that must be followed in resolving problem financing contained in Bank Indonesia Regulations and can be said to be good. The principles applied by Bank Sumut Syariah KC Medan Katamso are in accordance with Bank Indonesia Regulation No. 13/9/PBI/2011 concerning amendments to Bank Indonesia Regulation Number 10/1/PBI/2008 concerning Financing Restructuring for Sharia Banks and UUS. Namely, rescheduling, reconditioning, and restructuring.
Analisis Aspek-Aspek Yang Mempengaruhi Pembiayaan Modal Kerja di Bank Tabungan Negara KC Syariah Medan Silvia Anggrie Nst; Nursantri Yanti
CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis Vol. 4 No. 1 (2024): CEMERLANG : Jurnal Manajemen dan Ekonomi Bisnis
Publisher : Pusat Riset dan Inovasi Nasional

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55606/cemerlang.v4i1.2306

Abstract

Working capital products are one of the products offered and distributed by the State Savings Bank, Medan Sharia Branch Office, which is in great demand by customers because human needs are unlimited. This research uses qualitative research with the data used is secondary data, namely through literature study. The benefit of doing working capital financing at a bank is being able to finance the company's daily expenses or operations. With sufficient working capital, the company will operate economically and efficiently and not experience financial difficulties. The aspects of working capital financing at BTN Syariah are due to interest from customers and factors such as superior service, processing speed, competitive profit sharing ratio, as well as the availability of desired funds, margins, third party funds, and non-financing. performance financing which is an aspect of working capital financing at BTN Syariah KC Medan bank.
Pengaruh Harga Emas Dunia, Jumlah Uang Beredar, Inflasi, dan Zakat terhadap Indeks Saham Syariah Indonesia (ISSI) Hani, Zulfa; Marliyah, Marliyah; Yanti, Nursantri
JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Vol 6, No 2 (2023)
Publisher : PPJP Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jiep.v6i2.10441

Abstract

This research aims to determine the long-term and short-term impact of world gold prices, money supply, inflation, and zakat on the Indonesian shariah stock indices (ISSI). The dependent variables applied in this study are the world's gold price, money supply, inflation, and zakat. By applying the vector error correction model (VECM) analysis method in the series, data was interpolated to monthly data for 2017-2021. Secondary data is the form of data applied in this study using the Eviews 10 program. This is due to several factors influencing the index that changes the Islamic capital market by representing Indonesian stocks. Based on the results of hypothesis testing, the concluding are accepted in the form of long-term relationships between world gold prices and money supply influence it. In the short term, each dependent variable does not affect the ISSI.
Co-Authors Adelia Azizi Admar, Ok Agam Afwan Hafizh Ahmad Amin Dalimunthe Ahmad Syakir Ajeng Manjana Aldino, Imam Alicia, Febi Amelia, Anika Ananda Ibnu Sobri Hsb Andri Soemitra Angga Putra Suhadi Anggraini, Bunga Anisya Putri Syam Sinambela Annio Indah Lestari Nasution Aqashah, Faisal Arafah, Adinda Arifin Fauzi Lubis Arnida Wahyuni Lubis Arya Farhan Asmuni Asshifa Nazila Aridzki Atika Atika 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 Fachry Abda El Rahman Fadila, Shintiya Februari, Budi Filda, Muhammad Amrozi Hafidah Ayu Kusnadi Hani, Zulfa Harahap, M. Ikhsan Harahap, Muhammad Ikhsan Hotmaida, Hotmaida Hsb, Sarmania Hutabarat, Nadya Namora Ian Alfian Iin Prasetyo Ilhami Nasution, Muhammad lathief Indah Wahyuni Indradewa, Rhian 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 Lubis, Nurul Amaliyah M Arif Haikal Lubis M. Ikhsan Harahap Maidalena, Maidalena Manurung, Ibnu Syawali Manurung, Khoirul Ardani Marliyah Marliyah Marliyah, Marliyah Marliyah, Marliyah Maryam Batubara Medeni, Desi Chintiara Miftahul Jannah Hasibuan Muhammad Andre Wardhana Muhammad Anwar Muhammad Arif Muhammad Arif Haikal Lubis 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 Nurhayani Nurhayani Nuri Aslami Nurlaila Nurlaila 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 Shabira, Yusra Silalahi, Purnama Ramadani Silvia Anggrie Nst Silvia Fransiska Simanjuntak, Indah 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 Sri Sudiarti Suhairi Suhairi Sulistya Ningsih, Inten Suri, Atika Susi Apriliani Syakir, Ahmad Tiwi Bastari Batubara Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Trisnawati 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