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Legal Certainty and Governance of Carbon Exchange Trading in Indonesia: An Analysis of the Implementation of Presidential Regulation Number 98 of 2021 Rico Nur Ilham; Irada Sinta; Mangasi Sinurat; Muammar Khaddafi; Maulana Majied Sumatrani Saragih
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 5 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20552704

Abstract

Carbon exchange trading is an economic instrument developed to support greenhouse gas emission reduction and achieve sustainable development targets. In Indonesia, carbon trading is regulated by Presidential Regulation Number 98 of 2021 concerning the Management of Carbon Economic Value. This study aims to analyze the legal regulations for carbon exchange trading in Indonesia, the implementation of Presidential Regulation Number 98 of 2021 in achieving legal certainty, carbon trade governance, and the legal and institutional obstacles encountered in its implementation. The research method used is normative legal research with statutory, conceptual, and analytical approaches. Research data was obtained through a literature review sourced from laws and regulations, books, scientific journals, and other legal documents relevant to the research object. The results show that Presidential Regulation Number 98 of 2021 has provided a legal basis for the implementation of carbon trading through regulations regarding Carbon Economic Value, a national registration system, and mechanisms for measuring, reporting, and verifying emissions. However, its implementation still faces various obstacles, such as suboptimal regulatory harmonization, limited institutional coordination, unclear legal status of carbon units, and the need to strengthen the oversight system and legal protection for market players. Therefore, regulatory strengthening, institutional capacity building, and transparent and accountable governance are needed to create an effective, sustainable carbon market capable of supporting the achievement of Indonesia's greenhouse gas emission reduction targets.
Role Regulation In Guard Stability Financial System In Indonesia: A Study Of The Authorities Service Finance (Ojk) And Challenge Digital Financial Sector Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; Mita Darmayanti; Nurul Hidayati
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 3 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20553220

Abstract

Regulation in the financial industry plays a crucial role in maintaining financial system stability, protecting consumers, and ensuring the continued and transparent operation of financial institutions. This study aims to examine the role and effectiveness of regulation in the Indonesian financial industry, with a particular focus on the role of the Financial Services Authority (OJK) in overseeing and developing the financial sector, including the digital financial sector. Through an in-depth literature review, this study seeks to provide insight into how implemented regulations can support financial sector growth while addressing challenges arising from the development of financial technology. The findings of this study are expected to provide more effective policy recommendations to support sustainable financial system stability.
Draft And Implementation Time Value of Money in Financial Decision Making Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; Abdul Rahma; Rachmat Al Fadjri
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 2 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20559302

Abstract

Time Value of Money (TVM) is a fundamental concept in financial science which explains that the value of money today is more valuable than the value of the same money in the future. front. Difference mark the influenced by factor time, level ethnic group flower, risk, and inflation. This study aims to examine the concept and application of Time Value of Money in financial decision making through a literature review approach. The method used in this study is a literature study by reviewing various scientific sources in the form of financial textbooks and national and international journals that are relevant to Time Value topic of Money . The data that obtained analyzed in descriptive and This study aims to identify the main concepts, influencing factors, and implications of the application of Time Value of Money in investment, financing, and financial planning decisions. The results of the study indicate that understanding the concept of Time Value of Money plays a significant role in improving the quality of financial decision-making. The application of the time value of money allows individuals and organizations to evaluate decision alternatives rationally, objectively, and with a long-term orientation. Furthermore, the literature also confirms that low financial literacy can be an obstacle to the optimal application of this concept. The conclusion of this study confirms that Time Value of Money is not only theoretical but also has significant practical implications. in support taking decision finance Which effective And Therefore, improving understanding of the concept of Time Value of Money is important for individuals, practitioners, and educational institutions.
Comparative Study of Cryptocurrency Digital Investment Based on Currency Laws and Global Economic Regulations: A Case Study of the Big Four ASEAN Countries Rico Nur Ilham; Irada Sinta; Fuadi; Arliansyah; Frengki Putra Ramansyah
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 6 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20552796

Abstract

e development of cryptocurrency as a digital investment instrument has become a global phenomenon, but its implementation is heavily influenced by domestic regulations and global economic dynamics. This study aims to analyze the influence of clarity in the Currency Law and global economic regulations on cryptocurrency investment, as well as the role of investor confidence as a mediator, through a comparative study of four key ASEAN countries: Indonesia, the Philippines, Singapore, and Thailand. The research method used combines a quantitative approach through analysis of investment and regulatory data, and a qualitative approach through interviews and case studies with investors. The results show that clarity of the Currency Law has a significant influence on investment in Singapore and Indonesia, while global economic regulations are more dominant in the Philippines. Investor confidence has been shown to play a significant role as a mediator, particularly in Singapore and Thailand, in strengthening the relationship between regulation and investment decisions. This research confirms that synergy between domestic and global regulations, as well as investor confidence, is a key factor in maximizing cryptocurrency market growth in ASEAN. These findings provide implications for policymakers to clarify regulations and adopt international standards, and for investors to more comprehensively assess investment risks and opportunities.
Basics Financial Management Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; M. Faddel; Nuriana
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 4 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20559165

Abstract

Financial management is a managerial function that plays an important role in maintaining sustainability. And increase mark company. Article This aim For study basics management finance as well as his role in taking decision managerial. The discussion focused on draft, function, objective, principle, as well as decision main management finance which includes investment, funding, and dividend decisions. The research method used is the analytical approach. qualitative with studies library through review book text And literature scientific relevant information. The study results show that the implementation of effective and efficient financial management can optimize the use of funds, minimize financial risks, and support the achievement of company goals sustainably. A sound understanding of the fundamentals of financial management provides a crucial foundation for managers in formulating rational and strategic financial policies.
THE EFFECT OF PROFITABILITY, ASSET GROWTH AND SALES GROWTH ON CAPITAL STRUCTURE IN MANUFACTURING COMPANIES IN THE SUB-SECTOR COSMETICS AND HOUSEHOLD LISTED ON THE INDONESIA STOCK EXCHANGE (IDX) FOR THE PERIOD 2019-2023 Arsya Ardana; Jummaini; Rico Nur Ilham; Ghazali Syamni
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 6 No. 2 (2026): April
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.19982063

Abstract

This study aims to examine the effect of profitability, asset growth, and sales growth on capital structure in Cosmetics and Household sub-sector manufacturing companies listed on the Indonesia Stock Exchange (IDX) for the 2019-2023 period. The capital structure in this study is proxied by the Debt to Asset Ratio (DAR), profitability is proxied by Return on Assets (ROA), asset growth is proxied by asset growth (AG) and sales growth is proxied by sales growth (SG). The data collection technique uses secondary data in the form of financial reports accessed from the official website www.idx.co.id and also from the website of each company. The sample used in this study is a cosmetics and household company listed on the Indonesia Stock Exchange for the 2019-2023 period. The sample selection used a purposive sampling technique with a population of 7 companies and a sample of 6 companies according to the established criteria. Then the data that has been collected is then processed using eviews, the data analysis method used in this study is panel data regression analysis. The results of the study indicate that profitability has a negative and significant effect on capital structure, asset growth has a negative and significant effect on capital structure, while sales growth has a positive but insignificant effect on capital structure in cosmetics and household companies listed on the Indonesia Stock Exchange for the period 2019-2023. Further research can consider the influence of these variables and expand the scope of research to other industrial sectors. The results of this study not only provide new insights into the financial management situation in companies, but can also be a basis for further refining and developing existing theories.
POLICY MONETARY IN INDONESIA Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; Edi Riansyah; Hendri Sose Fauzi
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 4 (2026): MARCH
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20568375

Abstract

Monetary policy is one of the main macroeconomic policy instruments implemented by the central bank to maintain economic stability. In Indonesia, monetary policy is implemented by Bank Indonesia with the primary goal of achieving and maintaining the stability of the rupiah's value. This stability includes price stability, reflected in controlled inflation rates and the stability of the rupiah's exchange rate against foreign currencies. This article aims to analyze draft, objective, instrument, And challenge policymonetary in Indonesia. Method The method used in this study is a descriptive qualitative approach through a literature study sourced from books, laws and regulations, and official publications of Bank Indonesia. The results of the study indicate that Bank Indonesia implements monetary policy using several main instruments, including open market operations, policy interest rates, minimum reserve requirements, and discount facilities. These instruments are used in an integrated manner to control amount Moneycirculating, influence ethnic group flower market, as well as guard stability financial system. However, the implementation of monetary policy in Indonesia faces various challenges, such as global economic uncertainty, external inflationary pressures, the digitalization of the financial sector, and the need for coordination with fiscal policy. Therefore, an adaptive, credible, and data-driven monetary policy is crucial to supporting sustainable economic growth and national economic stability.
OPTIMIZING CAPITAL MANAGEMENT STRATEGIES TO INCREASE COMPANY COMPETITIVENESS IN THE GLOBAL MARKET Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; Putri Miranda Sembiring; Dilla Ramadani
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 3 (2026): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20568204

Abstract

This study explores the role of capital management strategies in enhancing the competitiveness of companies in the global marketplace. In a rapidly evolving and increasingly interconnected global economy, businesses face significant challenges in maintaining financial stability and gaining a competitive edge. Capital management, which encompasses strategies related to working capital management, risk mitigation, investment decisions, and financial structuring, is essential for sustaining long-term growth and operational efficiency. The research employs a mixed-methods approach, combining qualitative data from semi-structured interviews with key financial decision- makers and quantitative data from a survey of 200 business professionals. The findings reveal that companies that optimize their working capital, actively manage risks through hedging and diversification, strategically invest in emerging markets, and maintain a balanced financial structure are more likely to perform better and sustain a competitive advantage in global markets. The analysis indicates that shorter cash conversion cycles, the use of risk management tools, investment in high-growth regions, and maintaining an optimal capital structure all positively correlate with improved financial performance and market share. This study provides a comprehensive framework for companies to enhance their capital management practices and improve their competitiveness on the global stage. By focusing on strategic capital allocation and efficient resource utilization, businesses can navigate the challenges of globalization, maximize profitability, and secure long-term success in an increasingly competitive environment.
MANAGEMENT OF COMMERCIAL BANKS AND INDONESIAN SHARIA BANKING Rico Nur Ilham; Irada Sinta; Frengki Putra Ramansyah; Tahara Alsura; Taufik Hidayat
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 2 (2026): JANUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/zenodo.20559542

Abstract

Commercial bank management in Indonesia is the process of managing banking activities, including planning, organizing, implementing, and supervising bank resources effectively and efficiently, while adhering to prudential principles and applicable regulations. The goal of commercial bank management is to manage all bank operational activities effectively and efficiently. Islamic banking, on the other hand, is a banking system that conducts its business activities based on Islamic sharia principles, as stipulated in Law of the Republic of Indonesia Number 21 of 2008 concerning Islamic Banking. These sharia principles prohibit usury, gharar, maysir, and business activities that conflict with Islamic values. Islamic bank management aims to carry out all operational and strategic processes of the bank while remaining based on Islamic sharia principles, rather than merely seeking financial gain. This study uses a qualitative research method with a literature study approach. ( library research ) . The data collection technique in this study was carried out through documentation studies, namely by collecting, reading, and recording relevant information related to the management of commercial banks and Islamic banking in Indonesia. Overall, the differences in the management of commercial banks and Islamic banks are seen in the profit system, supervision, management orientation, risk management, and managerial objectives. Commercial banks emphasize financial profitability and compliance with conventional regulations, while Islamic banks emphasize sharia compliance, fairness, and socio-economic values. So that Islamic bank management can be said to be more holistic and ethical, while remaining competitive in the national banking system.
THE EFFECT OF PRODUCT QUALITY, PRODUCT DESIGN AND PRICE ON THE PURCHASING DECISION OF YAMAHA FILANO MOTORCYCLES IN THE LHOKSEUMAWE CITY COMMUNITY T. Edyansyah; Rico Nur Ilham; Muhammad Roni
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 5 No. 4 (2026): MARCH
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This study aims to determine the effect of product quality, product design, and price on purchasing decision for Yamaha Filano motorcycles among the people of Lhokseumawe City. The independent variables in this study are product quality, product design, and price, while the dependent variable is purchasing decisions. The data used are primary data obtained through distributing questionnaires to 137 respondents who have purchased Yamaha Filano motorcycles. The sampling technique used is incidental sampling. The data analysis method used is multiple linear regression. The results of the study indicate that partially product quality, product design, and price have a positive and significant effect on purchasing decisions for Yamaha Filano motorcycles. Simultaneously, the three independent variables also have a significant effect on purchasing decisions. This study is expected to be a consideration for companies in improving product quality, paying attention to product design, and setting prices that are in accordance with consumer needs and abilities.
Co-Authors A Hadi Arifin AA Sudharmawan, AA Abbas, Damanhur Abdul Rahma Abdul Rahman Maulana Siregar Adisty Azia Riska Adnan Adnan Adnan Afifah Nurjannah Afrida Dinarintasitepu Afriliana, Lusi Agnes Yulanda, Alya Ahgniya Putra Ahmad Fauzul Hakim Hasibuan Ahmad, Shabir Ainna Mahrum Nasution Akhyar, Chairil Aldy Syafrizal Alfaiza Alisa, Alisa Alistraja Dison Silalahi Alya Maulisa Am. Riyadi Amelia Amelia Amelia Amelia Sari Br.S . Pane, Lola Amlys Syahputra Silalahi Amru Usman Amsal Simanjuntak Ananta, Raisya Andriansyah Andriansyah Anggi Setia Ningsih Anggraini Syahputri Anggraini Syahputri Anissa, Farah Anita, Leli Arjuna Putra, Bambang Arliansyah Arliansyah Arliansyah, Arliansyah Armanu Thoyib Armanu Thoyib Arsya Ardana Artunov Nofal Arya Permana Ginting Asep Mulyana Asif Bashir Asif Bashir Asmaul Husna Authar ND, Muhammad Ayu Anora Azhar Badnatul Nafis Bambang Arjuna Putra Bela Puspita Putri Adelia Boy Sland Lase Bustani, Bustani Chairil Ahyar Chairil Akhyar Chairil Akhyar Chalirafi, Chalirafi Charunnisa, Zihan Chetty Tristantia Tarigan Cut Afra Humaira Cut Muftia Keumala Cut Rozana Sari Cut Zahrani Cut Zira Maulida D, Damanhur Damanhur, Damanhur Damanik, Sri Winda Hardiyanti Darmawati Darmawati Muchtar Darmayanti, Mita Debi Eka Putri Desy Nurul Mawaddah Dewi, Nolla Puspita Dilla Ramadani Dina Salsabila Dinda Putri Salsabila Edi Riansyah Eka Astria Eka Nurmala Sari Eka Purnama Sari Eka Purnama Sari, Eka Purnama ekamaida, ekamaida EM Yusuf Iis Epi Safira Erlina Erlina Erlina Erlina Erna Isfayani Etia Farianti F, Falahuddin F, Fuadi Fadhillah, Indah Fadilla Putri Siregar Fadli Fadli Fahmi Hilfandi, Muhammad Faisal Faisal Falahuddin Falahuddin Falahuddin Falahuddin Falahuddin, Falahuddin Farica Yusrina Lubis Fauzi Pakpahan Fauzul Hakim Hasibuan, Ahmad Fawati Hushuwar Batubara Febricha Sirma Chania Feinberg, Bob Ferian Fikri Akbar, Muhammad Fitri Randini Fransiska Aulia, Egha Frengki Putra Ramansyah Frengki Putra Ramansyah Frengki Putra Ramansyah Fuadi Fuadi Fuadi Fuadi Fuadi G. Maffett, Mark Geovani, Iwoeng Ghazali Syamni Ghazali Syamni Hafiz Raza Ali Hamdiah Hamdiah Hamdiah Harjum Muharam Harley Agustian Harry Kurniawan Hasatiru Auwa Hastanti Listyaningtyas Haykal, Muhammad Heikal, Mohd. Hendra A Hendra Harmain Hendra Raza Hendri Sose Fauzi Hendrick Sasimtan Putra Henry Aspan Heri Sandi Herman Fithra Hery Widijanto Hotma Nababan Husaini Husaini Husaini Ichsan Ichsan Ida Ayu Putu Sri Widnyani Idayanti, Lisa Ikhyanuddin Iklil Ikram Ikramuddin, Ikramuddin Imannisa, Anggya Sophia Indah Fadhillah Indah Sari Yusmita Intan Eliana Putri Irada Sinta Irawati, Nisrul Irshad Ahmad Reshi Irvan Irvan Isfenti Sadalia Isfenti Sadalia Isfenti Sadalia isfenti sadalia Isma Putri Agustina Ismuhadi Ismuhadi Isniati Berasa JAYANTI, SUCI ETRI Jufridar Jufridar Jufridar, Jufridar Juliana Ariska Juliyanti Jullimursyida Julyanthry Julyanthry Jumadil Saputra Jumadil Saputra Jummaini Juni Ahyar Juni Ahyar Kayacilar, Cengiz Khaidir Khaidir, Khaidir Khairah Amalia Fachrudin Khairawati Khairawati, Khairawati Khairil Anwar Khairil Anwar Kiki Farida Ferine Kumala Sari, Dewi L, Lilinesia Lala Merlita Lasta Irawan, Ari Laxmi Jamatia , Purna Lidya Beru Tarigan Likdanawati Lilinesia Lilinesia Liper Siregar Lisa Nurmaya, Cut Lusi Afriliana M, Mawardati M, Munandar M. Faddel M. Fajri Hidayatullah M. Nur, Mukhlis M. siddiq M. Subhan M.Subhan Maisyura Maisyura Maisyura Majied Sumatrani Saragih, Maulana Mangasi Sinurat Mangasi Sinurat Mangasi Sinurat Mangasi Sinurat Mangasi Sinurat Marbawi, Marbawi Mariani Sinurat, Yenni Mariyana BR Manik Mariyudi Mariyudi Marzuki Marzuki Marzuki Marzuki Marzuki Maulana Iqbal Maulana Majied Sumatrani Saragih Maulana Majied Sumatrani Saragih Maulana Majied Sumatrani Saragih Maulana Majied Sumatrani Saragih Mauliza Amanda Mawaddah Maya Rahayu Merlita, Lala Mhd. Ihwanuddin Hasibuan Mhd. Ihwanuddin Hasibuan Mhd. Ihwanuddin Hasibuan Mhd.Ihwanuddin Hasibuan Mhd.Ihwanuddin Hasibuan Mia Claudia Milanie, Feby Mira Agustina Mita Darmayanti Mity Risky Mohd Heikal Mohd. Heikal Mohd. Heikal Muammar Khadafi Muammar Khaddafi Muchtar, Darmawati Muchtar Muhamad Sidiq Abdillah Muhammad Fikri Akbar Muhammad Multazam Muhammad Roni Muhammad Roni Muliani Munandar Munandar Munandar Murni Daulay Muti Miftahul Jannah Mutiah Nasution Muttaqien Muttaqien Muttaqien Muttaqien Muttaqien Muttaqien, Muttaqien Nada Fitria Nadia Hasely Nadia Rizky Ramadhani Nadia Shalaty Naffal Rifki Naila Salsabila Kusayuningrum Najia Naseer Ahmad Bhat Naseha Elkarima Nazaina, Nazaina Nazli Hasan Nazli Hasan Nelly Ervina Nisrul Irawati Novita Aulia Lubis Nur Azizah Nur Faliza Nurainun Nurfazila Nurhasanah Nurhasanah Nuriana Nurkhotijah, Siti Nurlaila Nurlela Nurrzai, Aziz Nurul Hidayati Nurul Hikmah Tanjung nuryana nuryana, nuryana O. Brusa, Jorgeo Omar, Khatijah Pangestika, Ratri Puji Suryani, Suci Purba, Rakhmawati Putri Balqis, Putri Putri Miranda Sembiring Putri Nabilla R, Riinawati Rachmat Al Fadjri Rahmaniar Rahmaniar Rahmaniar, Rahmaniar Rahmiatul Aula Rais, Rany Gesta Putri Ramansyah, Frengki Putra Ratri Pangestika Rauzi Ramazalena Razali, Ramadhan Reza Juanda Ricky Pratama Ginting Ricky Pratama Ginting Rina Maulida Risa Novia Riska Fazira Riska Yanti Rista Sihombing Ristati Ristati Risya Irnanda Rumiris Siahaan Rusmewahni, Rusmewahni Rusydi Abubakar Rusydi Rusydi Safrina Safrina, Safrina Saharuddin Saharuddin Sahat Simbolon Sahli, Argun Sahnaya Khairunnisa Saifanur, Andri Sajida Khairullah salsabilla, Cut Saprudin Saprudin Saputra, Jumadil Sara Nadia Sardi Sardi Sari, Lira Mustika Sari, Meutia Sauzi Amalia, Sri Siahaan, Rumiris Siallagan, Shintauli Sihombing, Rista Silalahi, Amlys Syahputra Silfia Citra Silvia Rizki Ramadana Silvia Wulandari Sinaga, Sarman Sinurat, Mangasi Siska Tri Amanda Siti Elan Nisa Siti Maimunah Siti Zahara Soqia Salsabila Sri Arini Sri Delviani, Putri Sri Devi Zebua Sri Hayu Kartika Sri Wahyuni Sri Yanti Subhan Subhan Subhan Subhan Suci Puji Suryani Sufi Suhendri Sullaida, Sullaida Sultan Fadlullah Nuri SUMARNI Sumi Amelya Harahap Sumiati Sutriani Sutriani Sutriani Syafrizal, Rodi Syahputri, Lidia Syekh Idrus T Nurhaida T. Edyansyah, T. Edyansyah T. Hafifah Poetry Zulmi Tahara Alsura Tari Mardhia Tarmizi Abbas Tasya Handayani Taufik Hidayat Teuku Muhammad Iqbal Teuku Zulkarnaen Thasrif Murhadi Ti Aisyah Ulvia Rahmi Ummul Hikmah Saragih Utaminingsih, Eka Wahyuddin Wahyuddin Wahyuddin Albra Wahyuddin Wahyuddin Wardhiah Wardhiah, Wardhiah Widodo Endi Prasetia Widya Hartanti Widyana Verawaty Siregar Wooton, Ian Wulan Handayani, Tengku WULANDARI YANITA YANITA, YANITA Yasmira Mandasari Saragih Yasmirah Mandasari Saragih Yulmaida, Titi Yunina Yusnidar Yusriani, Fitri Yusril Ramadhan Sembiring Yuyun Wahyuni Zahrul Fuadi, Muhammad Zaky, O K M Zamharira Alisya, Putria Zulfa Riza Zulfahmi Harahap Zulfan Zuriani Zysman, John