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Penerapan Akad Murabahah Pada Pembiayaan KPR Syariah Di Bank Sumut Capem Syariah HM Yamin Kusnadi, Hafidah Ayu; Atika, Atika
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 3: 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i3.4245

Abstract

The needs of human life continue to increase along with the times, from time to time, the population of a country will grow very rapidly from year to year, including the State of Indonesia. The increase in population in Indonesia according to the Central Bureau of Statistics (BPS), a government statistical agency conducts thorough research on the structure of Indonesia's population once every decade. Indonesia has a population of 237.6 million people, this number has increased from the previous decade which amounted to 205.1 million people. Talking about home, home is a basic human need. As the main need for humans, the house is in great demand by many people. However, the skyrocketing house prices meant that it was rare for people to be able to buy a house in cash, so buying on installments or renting was the chosen alternative. There are many ways that can be taken by the community in meeting their basic needs in terms of housing. This research includes field research. This research studies intensively about the background, circumstances, and interactions of a social, individual, group, institution, or society. The researcher saw firsthand the phenomenon that occurred at Bank Sumut Sharia Headquarters HM Yamin. This research is descriptive qualitative. "Qualitative descriptive research is research that has the character of an assessment, non-numeric verbal analysis, to explain the meaning further than what is visible to the five senses." Data collection techniques used are interviews and documentation. After the data obtained has been collected through interviews and documentation, as well as the information and information found in this study will become data which is then analyzed using descriptive methods.
Analisis Pengaruh Sistem Pembayaran Non Tunai Terhadap Pertumbuhan Ekonomi Indonesia Dengan Inflasi Sebagai Variabel Intervening Dalam Perspektif Ekonomi Islam Purba, Hana Ayunda; Harahap, Isnaini; Atika, Atika
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 1: 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i1.4022

Abstract

Indonesia's economic growth has decreased over the past 10 years starting from 2010 to 2021The decline in economic growth declined sharply in 2020 marked by the emergence of the rapid spread of the COVID-19 outbreak in Indonesia which had a major impact on the Indonesian economy. According to Islamic economic studies, economic growth is not only measured by the volume of goods and services produced in a certain period. But also continuous changes in religious, social and community aspects. This study aims to obtain empirical evidence of the effect of non-cash payment systems (number of ATM/debit card transactions and number of credit card transactions on the dependent variable, namely economic growth through inflation as an intervening variable. The type of data used in this study is secondary data in the form of time data monthly series with the period from 2016 to 2021 published by Bank Indonesia and the Central Statistics Agency through the official website.The data analysis technique uses a path analysis model.The results show that directly the number of ATM/Debit card transactions (X1) and the number credit card transactions (X2) have a positive and significant effect on economic growth (Y) and inflation (Z) Indirectly inflation (Z) has a positive and significant effect on economic growth (Y) Indirectly, based on inflation Sobel test calculations (Z) unable to mediate the relationship between the effect of volume tr ATM/debit card transactions (X1) and credit card transaction volume (X2) on economic growth.
Pengaruh Aglomerasi, Angkatan Kerja Dan Human Capital Investment Terhadap Pertumbuhan Ekonomi Kabupaten Simalungun Rukmana, Nadia Mayang; Lubis, Fauzi Arif; Atika, Atika
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 2: 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i2.4112

Abstract

This study aims to determine the effect of agglomeration, labor force and Human Capital Investment on economic growth Simalungun. This study uses a quantitative approach. Simalungun is one of the districts in North Sumatra province. industrial concentration that creates consumption patterns that affect the economic development of the surrounding area, then the labor force that can encourage economic growth in increasing production factors, the last human capital investment/ HDI is an area that has adequate human capital in terms of knowledge, health and skills that can encourage economic growth. This research data obtained from secondary data with data collection techniques used are literature and documentation studies. The analysis technique used is multiple linear regression test using SPSS analysis tools. The results of this study show that simultaneously agglomeration (X1), labor force (X2), and Human Capital Investment (X3) have a positive and significant effect on economic growth (Y). Partially agglomeration has a positive and significant effect on economic growth with a t-count value of 5.432 and a significant value of 0.003 smaller than the specified significant value. The labor force has a negative and significant effect on economic growth with a calculated t-value of -3.711 and a significance value of 0.014 less than the specified significant value. Human Capital Investment has a positive and significant effect on economic growth, with a calculated t value of 21.643 and a significance value of 0.000 smaller than the specified significance value.
Analisis Pengaruh Biaya Premi Asuransi Jiwa Syariah Dan Beban Klaim Terhadap Laba Perusahaan Pada PT. Asuransi Takaful Keluarga Alwi, Fachri; Yusrizal, Yusrizal; Atika, Atika
Jurnal Manajemen Akuntansi (JUMSI) Vol 2, No 4: 2022
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v2i4.3802

Abstract

This study aims to find out how much influence the cost of ipremiasuransi ijiwa isyariah idan Iban iklaim iterhadap ilaba iperusahaan iperusahaan iTakaful iKeluarga. the type of research I used was quantitative descriptive research, the technique of collecting data on this research I was using the documentation technique I took from iweb i family insurance company, and the sample I used i16 monthly financial report. The data testing techniques used in this study include sumyclassical testing, multiple ilinear regression testing and hypothesis testing using the iSPSS program.The results of this study show that the iparsial ipremi costs affect positively and significantly against the company's iLaba I0.048 I<0.05 I and the burden of claim I do not affect positively and do not significantly affect the company's Laba I0. 482 I> i0. 05. isimultan isimultan iBiayaPremi idan iburban I claim iberpengaraan ibersama ITER iterhadap iLaba iperusahaand dengan ini isignifikansi i0,002 I< i0, 05. iDan iUji iR iSquare ipremi Idi costsidanburban iKlaim imempengarau iLaba iperusahaan isebesar i62% ipada iPT. family insurance.
Pengaruh Komunikasi Pimpinan Terhadap Produktivitas Kerja Dan Prestasi Agen Pada PT. Sunlife Financial Cabang Kota Medan Nawawi, M Iqbal; Lubis, Fauzi Arif; Atika, Atika
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 2: 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i2.4061

Abstract

A person's work productivity is seen from as he carries out his duties, this is also influenced by communication in the work environment, namely communication from the leadership to the agent or communication between fellow agents must be created comfortable and friendly in order to cause a sense of family in the work environment, so that he becomes at home and excited in carrying out his duties. This study uses quantitative methods, which aims to determine whether there is an influence of leadership communication on agent performance, to determine whether there is an influence of work productivity on Agent Performance, and whether there is an influence of leadership communication and work productivity on Agent Performance at PT. Sun Life Financial Branch Medan City. Penelitain results obtained that the leadership communication variable (X) to work productivity (Y1) has a significant value of 0.000<0.05 and the value of leadership communication thitung of 10.931>1.658, so it can be concluded that H1 accepted which means there is an influence between the leadership communication variable (X)to work productivity variable (Y1), Leadership communication variable(X) to Agent achievement (Y2) has a significant value of 0.000<0.05 and the calculated value of 7.892>1.658 so that it can be concluded that H2 is accepted which means that there is an influence between leadership communication variable (X) to Agent achievement variable (Y2), simultaneous test shows that there is a significant value of leadership communication to work productivity of 0.000<0.05.
Implementasi Prosedur Pembiayaan Gadai Emas Pada Bank Syariah Indonesia KCP Medan Setia Budi Gunawan, Dandi; Atika, Atika
Jurnal Manajemen Akuntansi (JUMSI) Vol 3, No 2: 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v3i2.4037

Abstract

Indonesian Islamic bank KCP Medan Setia Budi is one of the banks that offers various types of finacing in order to increase income and improve products. One of which is a gold pawn product, in which a pawn product at the KCP medan setia budi Sharia bank, provides finacing  facilities with collateral in the form of gold. this study aims to find out how the implementation of gold pawn finacing procedures at the Indonesian KCP medan setia budi.by using a filed approach, with direcct observation and interview methods, documentation and literature study. It can be concluded that the finacing procedures at Islamic banks in conducting gold pawn finacing arein accordance with the priciples of Islamic law and in accordance with the fatwa of the national sharia council of the Indonesia Ulema council number twenty six about rahn and also refers to the fatwa of the national sharia council of the indonesia ulema council number twenty five concerning rahn.
Pengaruh Cashback, Flash Sale, Tagline “Gratis Ongkir” Terhadap Impulse Buying Konsumen Generasi Z Pada Shopee (Studi Kasus Mahasiswa Universitas Islam Negeri Sumatera Utara) Syauqi, Ahmad; Lubis, Fauzi Arif; Atika, Atika
Jurnal Manajemen Akuntansi (JUMSI) Vol 2, No 2: 2022
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/jumsi.v2i2.3122

Abstract

This study aims to determine the effect of Cashback, Flash Sale, and “Gratis ongkir” Tagline on Impulse Buying Generation Z at Shopee. This type of research uses a quantitative approach. This study uses three independent variables, namely Cashback, Flash Sale, and Tagline “Gratis ongkir” with one dependent variable, namely Impulse Buying Generation Z at Shopee. After being carried out in the library and in the field, and the preparation of hypotheses, the data in this study were collected through the distribution of questionnaires as research samples with a sampling technique using a Likert scale. Process the data through the SPSS 23.0 program with multiple linear regression analysis techniques. The results of this study can be said that 1) Cashback has a significant effect on Impulse Buying Generation Z at Shopee. With the t count value of the Cashback variable, 4.515 > 1.985 and a significance of 0000 > 0.05. 2) Flash Sale has a significant influence on Generation Z Impulse Buying at Shopee. With the t count value of the Flash Sale variable, namely 2.477 > 1.985 and a significance of 0.015 > 0.05. 3) Free Shipping Tagline has no effect on Impulse Buying Generation Z on Shopee. Because the t count value of the Free Shipping Tagline variable is 1.292 < 1.985 with a significance value of 0.199 > 0.05. 4) Simultaneously variable Cashback, Flash Sale, and Tagline Free Shipping for Impulse Buying Generation Z at Shopee. With a value of Fcount > Ftable 85.669 > 2.71 and a significance of 0.000 < 0.05. This means that there is a significant effect of variables X1, X2, X3 and Y variables together.
Analisis Penerapan Akuntansi Aset Tetap Menurut PSAP No. 07 Pada Dinas Tenaga Kerja Provinsi Sumatera Utara Aftiah, Nurul; Harmain, Hendra; Atika, Atika
Journal of Student Development Informatics Management (JoSDIM) Vol 3, No 2: JoSDIM | Desember 2023
Publisher : Universitas Labuhanbatu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36987/josdim.v3i2.5189

Abstract

This study aims to analyze the application of fixed asset accounting according to PSAP 07 at the Sumatera provincial Manpower office whether it is in accordance with government accounting standards that have been implemented and to know how the recognition of the granting of rights to use fixed assets according to PSAP 07. The approach of this study is a descriptive approach, namely research conducted by collecting and presenting data received from the Sumatera provincial Labor Office in the form of Financial Statement data , recapitulation of depreciation of Fixed Assets, Inventory card list of goods and then the results of interviews are quite clear researchers analysis and compare with existing theories and Government Accounting Standards PSAP 07. The results showed the recognition of fixed assets on land and the condition of assets that are still not in accordance according to PSAP 07, owned land is not intended to be sold but used for agencies. This is due to a lack of understanding of fixed assets according to PSAP 07 which is very necessary for accountability reports in accordance with Government Accounting Standards that have been established and implemented.
Analysis of the Impact of Technological Disruption on the Economic Behavior of Homo Islamicus Consumers in Generation Z Manik, Raudah Uci Mayasari; Harahap, Isnaini; Atika, Atika
Journal of Management and Administration Provision Vol. 4 No. 2 (2024): Journal of Management and Administration Provision
Publisher : Pusat Studi Pembangunan dan Pemberdayaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55885/jmap.v4i2.386

Abstract

Generation Z, the largest consumer group in the world including Indonesia, will play an active role in consumption trends over the next thirty years. This study aims to analyze how economic technological disruption affects the consumption behavior of Homoislamicus among Gen Z. The research employed a quantitative approach with an online questionnaire distributed to 267 Gen Z respondents at the Al-Ikhlas Dairi Islamic College. Data analysis utilized simple linear regression to test the relationship between technological disruption and Homoislamicus behavior. The findings indicate that economic technological disruption significantly influences the consumption behavior of Gen Z individuals identifying as Homoislamicus at Al-Ikhlas Dairi Islamic College. Regression analysis shows that increased economic technological disruption positively contributes to Gen Z consumption behavior, with a coefficient of 0.357. However, only approximately 11.7% of the variation in Homoislamicus behavior can be explained by this variable, underscoring the importance of further research to understand other factors influencing Gen Z consumption patterns.
Islamic Economic Approach to Strengthening Public Purchasing Power through Price Stabilisation Policy Hawanda, Maisyah; Atika, Atika; Tambunan, Khairina
Dinar : Jurnal Ekonomi dan Keuangan Islam Vol 11, No 2: Agustus 2024
Publisher : Universitas Trunojoyo Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/dinar.v11i2.25930

Abstract

This study aims to evaluate the efficiency of stable price policies in enhancing the purchasing power of households in the framework of Islamic Economy.This study applies a qualitative research methodology, using case study approaches to analyze the data through a descriptive approach. A case study was initiated to investigate the stability of rice prices in the city of Medan as a result of government intervention. A data collection method that involves conducting an analysis in a library. Secondary data sources encompass scientific journals, books, official government publications, and pertinent statistical data.The study's findings demonstrate that the government's enforcement of price stability policy effectively enhances the purchasing power of households. The Islamic Economy Review emphasizes that the policy of stabilizing rice prices must consider the principles of justice and public welfare. After conducting research and reviewing the Islamic economy, it has been determined that there are several steps in which should be implemented to enhance the effectiveness of the rice price stabilization policy. These steps include enhancing market operating programs and providing direct cash financial assistance, building the development of the local economy, empowering grain farmers, improving education and public participation, implementing the principles of Islamic economy in the price stabilization policy, and strengthening surveillance and law enforcement.The study helped improve the performance of price stability programs, possibly strengthening public purchasing power and strengthening equitable economic and social conditions in line with the principles of Islamic Economy.
Co-Authors A, RismaDani Abdilah, Muhammad Abdurachman Abdurachman Abdurrohman KM, M. Sa’id Achmad Sunani Miftachurrohman Ade Khadijatul Z. Hrp Adhi Kusumastuti Aditiawarman Aditiawarman, Aditiawarman Adzibah, Salsabila I’tilaful Adzillah, Salsabila Nur Imatul Afiatika Ahsani Afifah, Yuliana Aftiah, Nurul Agusviyanda, Agusviyanda Ahmad Fikri ahmad syauqi, ahmad Aida Rahmi Ainun Sakiah Aji A. R. Arief Akbar, Muhamad Defri Akbar, Syarif Ali Akustika, Salsabillah Al Husein, Hizri Alicia, Febi Allisa, Safiah Alwi Pratama Putra Siregar Alwi, Fachri Amalia, Rize Budi Ananda Ibnu Sobri Hasibuan Andarini, Sonja Andi Hotmatua Harahap Andriyani Andriyani Anggraini, Yessy Tri Annisa Annisa Annisa Javalia Hasanah anomsari, hanna dyahferi Aprianti Aprillia, Nur Aqwa Naser Daulay Arafah, Rizanita Zulfa Arie Suciyana Sriyanto Arifianti, Sari Maharani Arifin Fauzi Lubis Ariska Malida Syakira Matondang Ars Himsyah, Fatroyah Arta Rahman Asih, Dwi Putri Asriwati, Asriwati Atsira, Olga Putri Audini, Vira Azhar, Mhd Karya Satya Aziva, Zahra Azliani, Mayaza Azrin Bahri Harahap Bahtiar, Fahmy Zuhda Bambang Purwanto BAMBANG, PURWANTO Batubara, Maryam Bayu Ariwibowo, Bayu Bi Rahman, Nur Ahmadi Bi Rahmani, Nur Ahmadi Billah, Mu’tasim Bou, Sharlyani Maria Budi, Amalia Rize Cahyaning, Putri Eka Arum Chandra Ali Hanapiah Lubis Consuelo, Joe-Bren L Damayanti, Ayu Damiri, Damiri Dea Putri Amanda Dessy Rahmadani Devara Rustiana Dewi Setyowati Dia, Dinda Dita Marisa Dominicus Husada Dona Martilova Drs. Basyaruddin Dwilda, Euvanggelia Ellisa Vikalista Elva Ronaning Roem Endyka Erye Frety Ernawati Ernawati Evelyn Asaleo Fachriansyah, Hafiz Fadhiilah, Nabiilah Fadilah, Adinda Rizki Faroby, A. Izzat Al Fathya, Shabriena Fauzi, Muhammad Resty Febriyani, Irma Feri Wijaya Fernando, Henky Ferona, Nur Avina Fitri Hayati Fitriyana, Deni Fajar Fransiska, Ira Ginting , Nauval Haiban Gunawan, Dandi Hana Pertiwi Handayanto Handayanto Harahap, Anhar Nurdiansyah Harahap, Aswan Nawawi Harahap, M. Ikhsan Harahap, Muhammad Ikhsan Harahap, Yusra Lestari Harelina, Tia Harisman, Jasri Hasby, Muhammad Farhan Havidotinnisa, Siti Hawanda, Maisyah Hebert Adrianto Hendra Harmain Heri Junaidi Herinawati Herinawati Himsyah, Fatroyah Ars Hutabarat, Siti Lutfia Hutasoit, Rizky Bona Manobing Ika Puspita Sari Iksaruddin Iksaruddin Imsar Imsar Imsar, Imsar Intan Fairuz Zakia Irfan Aulia Syaiful Ishami Y. Purnama Isnaini Harahap Iswanti, Putri Itu, Lorensia Maria Yustina Ivon Diah Wittiarika Izzati, Dwi Jamrizal, Jamrizal Jayadi, Mhd Dimas Jeffri, Jeffri Jumadi Kaharuddin Kahfita Ardana Khairani, Umi Khairun Nisa Khairunnisa Khairunnisa Kusnadi, Hafidah Ayu Kusuma Wardhani, Febrianti Kusuma, Rahayu Laila Saqila Putri Larasati, Yuniar Galuh Lestari Hulu, Rita Dwi Lewi, Sarifah Lia Artika Sari Lidiya Uzmasyah Lu'lu'atul, Fikriah Lubis, Khoirun Nisa Lubis, Mutia Zahra Lubis, Rifki Nanda putra Luke, Kevin Luthvia Aulia M Difach Hazairin Nasution M. Rendy Ramadhan Manik, Raudah Uci Mayasari Margarita Maramis, Margarita Marliyah Maryanti, Endang Mashithoh Sitorus Masruroh, Ainul Maya Macia Sari Melly Anjelika Merah Delima Mesyah, Ella Trafera Mirna Kurnia Tanjung Mislaini Mislaini Mochammad Wildan Morin, Leanne Muarrif Sani Mubarok, Basri Al Muhammad Abdillah Muhammad Arif Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan Muhammad Saleh Siregar muhammad Syahbudi, muhammad Muhammad Syarif Hidayatullah, Muhammad Syarif Muhammad Syukri Albani Nasution Nadapdap, Thomson P Nafawangsa, Friska Naila Adibah Najmuddin Rasul Napisah, Napisah Nasronudin Nasronudin Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Elna Sari Nasution, Juliana Nasution, Syukry El Hanif Nawawi, M Iqbal Ningsih Damanik, Surya Nisa, Sofatun Novita Sari Nur Adilah Nur, Afrinis Nurali Sumah, Chousadilla Nurbaiti Nurbaiti Nurdin Nasution Nurhasanah Siregar . Nurhayati Nurhayati Nurhayati, Dinda Anggi Nurhayati, Immas Nuri Aslami Nurkholish Majid Nurlaila Nurlaila Nurmala Kumarasari Pasaribu Nurmasitah, Sita Nursantri Yanti Nurul Syahqilla Nurwani Nurwani, Nurwani Oktarina Harahap Pangesti, Devia Regita Pardede, Diah Hafni Parinduri, Islah Rizky Parman Komarudin Patriantoro . Perdana Siregar, Anri Akta Pertiwi, Hana Pertiwi, Piliang, Sucita Saskya Prameswari, Ardhia Prastriansyah, Angga Prastyo, Beny Pratama, Tito Satria Priandhini, Sekar Afifah Purba, Hana Ayunda Putri Amanda, Dea Putri Fajariah Sabda Putri Nur Annisa Putri Rahmawati Putri, Adelia Salsabila Putri, Hana Letitia Anjani Suwardi Putri, Meltanti Kaswa Putri, Rafika Ananda Putri, Riri Dwita Putri, Siti Rahmayanti Qodariah Barkah Rahma, Tri Inda Fadhila Rahmani, Nur Ahmadi Bi Rahmansyah Rahmansyah Rahmat Daim Harahap Rahmawati, Fidi Rahmawati, Lulu Rahmi Syahfitri Harahap Ramadhani, Sri Ramadhani, Yashinta Ramadhani, Yerix Ramdanil Fajar Rangkuty, Fathia Mawaddah Rania, Najwa Miftah Rejeki, Purwo Sri Rendra Rahmawan restiana, Riza ria septiana Rian Azhari Siregar Risky Sobari Ritonga, Mei Anriani Ritonga, Nanda Wirayulinda Rizki Rizki Romli SA Roudlotus Sholikhah Rukmana, Nadia Mayang Rustiana, Devara Salma Asilah Sampurna, Mahendra Arif Samsudin Anis Saparuddin Siregar Saparuddin Siregar Saputra, Rahmat Sari, Devi Yana Saria Yiska Panggabean Sarmiati Mia Sa’adi, Ashon Sebayang, Elisabet Br Sesilya Saman Shalma Alya Fadilla Sheila Anggraini Sholikhah, Roudlotus Sholikhah Siam, Rambu Nurul Silfira Ayu Ningsih Pasaribu simarmata, eprimanta Sintang, Suraya Siregar, Aspan Sofyan Siregar, Efrida Rahma Sari siregar, ilfirayuarfika Siregar, Rizki Kurnia Siti Aisyah Situmorang, Nurul Utami Sodiah Sodiah, Sodiah Soetanto, Maria Fransisca sonia, tara Sri Bella Larasaty Yuandra Sri Endah Wahyuningsih sri sudiarti Subandi Subandi Sugianto Sugianto Sumarsana, Asep Sundari Indah Wiyasihati Supramono Supriyadi, Agung Suri, Dian Mei Surono Surono Syafitri, Elen Syaifuddin Syaifuddin Syamsiah, Syamsiah Tambunan, Khairina Telaumbanua, Ita Ayu Anggina Tengku Riza Zarzani N Tri Hidayati Tri, Yuniarti Rini Wahyu Syarvina Wahyuni, Sri Intan Wahyuningtyas, Istanti Dwi Wibisono, Aldino widowati widowati Winda Angraini Nasution Wiranti, Wiranti Woro Setia Ningtyas Yanti, Nur Santri Yanti, Nusantri Yayuk Susilawati, Yayuk YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yuhenanda D. Pratama Yuliati, Erikavitri Yunda Herliana Yuniati Yuniati Yusnidar Yusnidar Yusrizal Yusrizal Zaenal Abidin Zaenuddin Hudi Prasojo Zahra, Aulia Zainal Arifin Zainarti Zainarti Zuhrinal M. Nawawi