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ANALISIS EFEKTIVITAS PEMBIAYAAN MURABAHAH DALAM MENINGKATKAN PROFITABILITAS BANK SYARIAH DI INDONESIA Dinda Nurayuni Humaira; Fadillah Syafitri; Syarifah Hanum Tumangger; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Murabahah financing is the most dominant financing product in the Islamic banking portfolio and serves as a stable source of income for banks. However, the increase in murabahah financing volume does not always correspond with higher profitability. This study aims to analyze the effectiveness of murabahah financing in improving the profitability of Islamic banks in Indonesia through a literature review approach. The data used include murabahah financing trends and the Return on Assets (ROA) ratio based on the 2020–2024 Islamic Banking Statistics published by the Financial Services Authority (OJK), along with 20 relevant national scientific articles published between 2022 and 2025. The results show that financing effectiveness acts as the key mediating factor linking murabahah financing to profitability. Murabahah contributes positively to profitability only when financing effectiveness is high, indicated by strong risk management, operational efficiency, digitalization, and payment smoothness. Conversely, when effectiveness is low, financing risks increase and profitability decreases despite higher financing volumes. This study recommends strengthening digitalization, improving human resource competence, and enhancing risk management to optimize the value of murabahah financing for Islamic banks. Future research is expected to employ quantitative methods to empirically test the relationships among variables.
DAMPAK PEMBIAYAAN BANK SYARIAH INDONESIA TERHADAP PEMBANGUNAN EKONOMI BERKELANJUTAN Ayu Hani Marsani Tanjung; Risa Adelila Hasibuan; Sherin Aulia Putri; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

Sustainable economic development aims to balance economic growth, social welfare, and environmental preservation. In the Islamic economic context, Islamic banks are not only profit-oriented but also serve as instruments for public welfare. This study aims to analyze the impact of Islamic bank financing on sustainable economic development through a case study at Bank Syariah Indonesia (BSI) Krakatau Branch, Medan. The research uses a qualitative descriptive approach through interviews, observation, and literature review. Primary data were obtained from interviews with three financing clients and one financing officer, while secondary data were collected from BSI reports, OJK publications, and academic literature. The findings show that Islamic financing positively impacts community economic growth, MSME empowerment, and environmentally friendly financing (green financing). The musyarakah and mudharabah contracts enhance business productivity and welfare, while social programs such as qardhul hasan strengthen social solidarity. However, challenges remain in the dominance of consumptive financing and low Islamic financial literacy. Therefore, Islamic financing should be continuously developed in accordance with maqashid al-syariah principles to achieve an inclusive and sustainable economy.
PRINSIP KEADILAN DAN TRANSPARANSI DALAM SISTEM PEMBIAYAAN BANK SYARIAH UNTUK KEMASLAHATAN UMAT Muhammad Abdillah Pratama Aminullah; Stefani; Khoirotun Nisa Limbong; Muhammad ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

The principles of justice and transparency are the main foundations of Islamic banking operations. These two principles ensure that every financing product and service not only complies with Sharia law but also provides tangible benefits to the wider community. This article comprehensively discusses how the principles of justice and transparency are applied in the Islamic banking financing system, as well as how their implementation contributes to the welfare of the community. This research uses a qualitative approach with a literature analysis of various regulations, journals, and related fatwas. The results of the study indicate that the implementation of these two principles can foster economic stability, increase public trust, and ensure the achievement of the objectives of maqasid al-shariah in the financial sector.
PERAN AKAD SALAM DALAM MENEKAN RISIKO HARGA DI BANK SYARIAH Zahir Muhammad Fadhilah Harahap; Miranti Agustina; Try Wahyuni Mawatdah; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the role of Salam contracts as a sharia financing instrument in reducing price risks in the real sector, particularly agriculture and commodities. Through library research and a qualitative approach, this study examines the basic concepts of Salam contracts, their operational mechanisms in Islamic banking, and their effectiveness in providing price certainty and income stability for producers. The results show that Salam contracts can reduce price volatility by setting prices and specifications for goods at the outset of the contract. In addition, the application of parallel salam, production monitoring, and good risk management strengthen the effectiveness of this contract in dealing with market uncertainty. Thus, Salam contracts not only offer a fair Islamic solution, but also have the potential to become a price stabilization instrument that supports the sustainability of the real sector.
PERAN LEMBAGA PEMBIAYAAN SYARIAH DALAM MENDUKUNG KEMANDIRIAN EKONOMI MASYARAKAT DESA PAYAGELI KABUPATEN DELI SERDANG Feby Salsabila Dasri; Nabila Nasywa; Nur Atikah; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the role of Islamic bank financing institutions in supporting the economic independence of rural communities. Using a qualitative approach through interviews with local entrepreneurs, the study found that Islamic-based financing not only provides capital access but also builds responsibility, honesty, and blessings in economic activities. Islamic financial institutions play a strategic role in empowering rural MSMEs through profit-sharing and integrated financial education programs. The findings show that Islamic financing support increases local business productivity, enhances income, and strengthens sustainable rural economic independence.
PROSEDUR PEMBIAYAAN PADA BANK SUMUT SYARIAH DARI ANALISIS KELAYAKAN HINGGA MONITORING Abidzar Fikri Simamora; Ananda Fitriani Oktavia; Putri Chairunnisa Pane; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to evaluate the financing methods at PT Bank Sumut Sharia Business Unit, from feasibility analysis to financing monitoring. The approach used in this study is descriptive qualitative by collecting data through interviews, observations, and document studies. The findings of the study indicate that the bank has implemented the principle of prudence through 5C analysis and a rating system to assess customer eligibility. However, the character aspect of customers remains a major weakness due to the potential moral hazard that may arise after financing is disbursed. In the implementation stage of the contract, most financing is based on the murabahah contract including murabahah bil wakalah, but there is a lack of customer understanding regarding the contract, which can increase sharia risk. Financing monitoring is carried out through field supervision and persuasive handling of problematic financing and restructuring, but it is more curative in nature. Therefore, it is important to improve character analysis, education about contracts, and more preventive monitoring.
PERSEPSI MAHASISWA TERHADAP PELAYANAN BANK SYARIAH Annisa Afwani; Anggun Rohaya Putri Munthe; Khaila Calsa Fhadillah; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025)
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze students' perceptions of Islamic banking services using a qualitative, interview-based approach. The primary focus of the study is students' understanding of Islamic service principles, their experiences as customers and prospective customers, and the factors influencing their assessment of service quality. Data were obtained through semi-structured interviews with several students from various study programs. The results indicate that most students have positive perceptions of Islamic banking service ethics and transaction security. However, complaints persist regarding the limited digitalization of services and the lack of socialization regarding Islamic products. This study recommends optimizing education, improving digital technology, and strengthening services based on the values ​​of maqāṣid al-Shari'ah (the principles of Islamic principles).
Pasar Keuangan dan Mekanisme Perdagangan: Tinjauan Konseptual dan Implementasi dalam Perspektif Syariah Ade Fahdiya Syakhilah; Audira Luthfia Sungkar; Muhammad Nabil Hanifah Purba; Muhammad Ikhsan Harahap
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 3 (2026): Februari
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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Abstract

Pasar keuangan syariah merupakan fondasi penting dalam sistem ekonomi Islam yang berfungsi untuk menyalurkan dana dari pihak yang memiliki kelebihan modal kepada pihak yang membutuhkan pembiayaan berdasarkan prinsip keadilan, keterbukaan, dan larangan terhadap praktik riba, gharar, serta maysir. Dalam konteks pembangunan ekonomi modern, keberadaan pasar keuangan syariah tidak hanya menjadi sarana investasi, tetapi juga instrumen pemerataan kesejahteraan dan stabilitas ekonomi nasional. Penelitian ini bertujuan meninjau secara konseptual dan implementatif mekanisme pasar keuangan syariah di Indonesia, mencakup struktur kelembagaan, instrumen utama, serta tantangan yang dihadapi dalam pelaksanaannya. Metode yang digunakan adalah pendekatan kualitatif deskriptif melalui studi pustaka terhadap jurnal nasional, kebijakan otoritas keuangan, serta data statistik dari periode 2020 hingga 2025. Hasil penelitian menunjukkan bahwa perkembangan pasar keuangan syariah di Indonesia mengalami kemajuan signifikan dengan meningkatnya peran instrumen seperti sukuk, saham syariah, reksa dana syariah, dan pasar uang syariah. Meskipun demikian, tantangan dalam hal literasi masyarakat, likuiditas pasar sekunder, dan harmonisasi kebijakan antarotoritas masih menjadi isu utama yang perlu diselesaikan. Penelitian ini diharapkan memberikan kontribusi konseptual bagi penguatan tata kelola pasar keuangan syariah serta mendorong peningkatan partisipasi masyarakat dalam ekosistem keuangan berbasis nilai Islam.
Peran Dana Investasi Real Estate dalam Pengembangan Pasar Modal Tasya Fadilah; Adetia Dara Ayu; Elisa Fitri; Muhammad Ikhsan Harahap
Maksimal Jurnal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Vol 3 No 3 (2026): Februari
Publisher : Maximal Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya dan Pendidikan

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Abstract

Pasar modal Indonesia memiliki peran penting dalam mendukung pertumbuhan ekonomi nasional melalui fungsi utamanya sebagai sumber pembiayaan jangka panjang. Namun, kontribusi sektor properti terhadap kapitalisasi pasar masih rendah, sehingga diperlukan instrumen investasi berbasis aset riil yang lebih beragam. Penelitian ini bertujuan menganalisis peran Dana Investasi Real Estate (DIRE) dalam pengembangan pasar modal Indonesia. Metode yang digunakan adalah kualitatif dengan pendekatan deskriptif melalui studi pustaka terhadap sumber akademik, laporan OJK, dan publikasi BEI. Hasil penelitian menunjukkan bahwa DIRE berperan penting dalam meningkatkan likuiditas pasar, memperkuat diversifikasi instrumen investasi, dan memperluas basis investor. Meski demikian, pengembangan DIRE masih terkendala oleh regulasi yang kompleks, insentif fiskal terbatas, serta rendahnya literasi keuangan masyarakat. Oleh karena itu, diperlukan kebijakan yang lebih adaptif dan dukungan edukatif untuk mendorong pertumbuhan DIRE sebagai instrumen strategis dalam memperkuat pasar modal nasional.
OPTIMALISASI MANAJEMEN PEMBIAYAAN UNTUK MENINGKATKAN KINERJA BANK SYARIAH Marsyah Aprilya; Yeni Aprilina Pulungan; Muhammad Ikhsan Harahap
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 4 No. 1 (2026): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v4i1.8129

Abstract

This study aims to analyze the challenges, strategies, and impacts of optimizing Islamic financing management in Islamic banks, focusing on Sharia compliance, managerial effectiveness, product optimization, and the role of Islamic Corporate Governance (ICG). Using a qualitative library research method, this study examines theories, financial reports, and previous literature related to Islamic financing management. The results indicate that effective financing management supported by digitalization, strengthened managerial capacity, and compliance with Sharia principles improves financial performance, reduces non-performing financing, supports sustainable growth, and enhances social welfare through productive and ethical financing. The study concludes that the integration of Sharia values, strong governance, and technological innovation is essential for achieving competitive and sustainable Islamic banking performance
Co-Authors ,., Atika ,M.Si, Yusrizal A, RismaDani Abdillah Aswari Abdul Aziz Hakim Abdul Ramadhani, Alya Abidzar Fikri Simamora Abidzar Fikri Simamora Ade Fahdiya Syakhilah Adelia Sahputri Nainggolan Adetia Dara Ayu Adinda Adinda Pasaribu, Fitri Adrian, M. Fikri Adriansyah Hidayat Afsari , Fidiya Ahmad Amin Dalimunthe Ahmad Fauzan Aflah Ahmad Fauzan Purba Ahmad Firdaus Lingga Ahmad Habibi Daulay Ahmad Pramudja Ahmad Ramdhani Mungkur Ahmad Ramdhani Mungkur Ahmad Sayuti Malik Ahmad Syakir Ahmad Zikri Ainatul Hasanah Aldyansah Arrahman Rianto Alfarisyi, Muhammad Faisal Alfi Andriansyah Harahap Alif, Ryo Vikri Alya Fadhila Amalia Ramadhani Suci Ardi Amanda Damayanti Nasution Amelia Novita AMELIA, MAYA Amirah Shabrina Ilra Amnah Faridah Hasibuan Ananda Fitriani Oktavia Ananda Fitriani Oktavia Andri Soemitra Andri Soemitra Andri Soemitra Angelly Pratiwi Anggi Anggeriani br Ketaren Anggi, Miftha Maulida Anggia Nurulita Anggraini , Tuti Anggraini, Nur Marliana Anggun Rohaya Putri Munthe Anggun Rohaya Putri Munthe Anika, Regi Aninda Mahfadillah Aninda Mahfadillah Anisa Madani Nasution Anisah Nasution Annisa Afwani Annisa Afwani Annisa Khoiri Annisa, Dwi Nur Annisa, Sufiati Anwar Syarif Harahap Aprilla, Vanya Aqwa Naser Daulay Ardhi Sahjaya Ardhia Prameswari Ardiansyah Ardiansyah Ardianto, Willi Arifin Fauzi Lubis Arjuna, Arjuna Arnadila Dwi Syahputri Arvina Wahyuni Asmita, Riza Ayu Astri Hardina Amelia Atika Atika Atika Atika Audira Luthfia Sungkar Aulia Nurul Annisa Ayu Fitriana Ayu Hani Marsani Tanjung Ayu Hani Marsani Tanjung Ayyub Ramadhan Azura, Rizky Baehaqi Baihaqi, M. Eza Bambang Permadi Bambang Permadi Basri, Hunny Lutpiah Bayu Lazuardi Berutu, Pajhar Ainun Bi Rahmani, Nur Ahmadi Bintang Akbar Azhari Bintang Ramadhan Saragih Cahya Adetrya cibro, ikhe sigemasih Cindi Husna Pratiwi Cindy Anggreni Cindy Anita Sari Cindy Anita Sari Cindy Er Nisa Cindy Sekar Arum Daei, Muhammad Imam Dalimunthe, Afifah Damanik, Anhari Gusvi Damanik, Intan Juwita Damayanti, Anggita Danu Wijaya Danu Wijaya Dayana, Nurul Aida Dewarni Siregar Dewita Rohani Dewita, Tiara Ajeng Dharma, Budi Dicky Pratama Dinda Aulia Sari Dinda Nurayuni Humaira Dinda Nurayuni Humaira Dini Lestari Dino Farid Pratama Dongoran, Ranah Santri Dongoran, Sapina Dwi Gusvita Anggraini Dwiki Wardana Syah Dyah Mega Putri Efendi, Nadya Ananda Eko Purnomo Elisa Fitri Elya Rosa Maharani Sembiring Ema Khairani Ema Nur Syahfitri Eri Erika Setia Cahyani Evan Hamdani Fachry Abda El Rahman Fadhilah, Irfan Fadillah Syafitri Fadillah Syafitri Fadya Nabila Fahmi Reza Sitepu Fahmiatul Aulia Pangaribuan Faradila Permata Azmi Farhan Edma Manurung Fatimah zahrah Harahap Fauzan Habib Fauzi Arkhan Sembiring Fazira, Era Fazira, Fira Febix, Valen Zikra Feby Salsabila Dasri Feby Salsabila Dasri Fenny Ade Annisah Finkan Nadia Fransiska, Ira Friska Amelia Friska Amelia Purba Friska Fauziah Umardhi Ginting, Siti Nurhasanah Br Gunawan, Danish Irsyad Habibah Shobri Halimah Halimah Hamdani Hamdani Hamidatus Shalihah Hamtheldy, Raihan Zaky Handana Sembiring Hanif, Hilman Harahap, Ledis Izzah Harahap, Rahmat Daim Harahap, Rahmat Daim Harahap, Risky Suleman Alpian Hasanah, Siti Zia Hadatul Hasibuan, Amnah Faridah Hasibuan, Faizah Hasibuan, Misna Hasibuan, Muhammad Rezki Ripaldo Hasibuan, Reni Ria Armayani Hasibuan, Winda Khairani Hasrimy, Nabila Felicia Haya Aghnia Azzahra Haya Aghnia Azzahra Hendra Harmain Hermain, Hendra Hidayah, Muhammad Arif Hutabarat, M. Rafiq Efrianda Ibnu Habib Wahyudi Ibnu Rizal Mubarok Ibnu Syawali Manurung Ida Ayu Putu Sri Widnyani Iir Tsamrotur Rofa Ika Puspita Sari Ikhwan Abidin Ikram Muharril Imam Solehuddin Imron Berutu Imsar Imsar Imsar Imsar Imsar Imsar Imsar, Imsar Imsar, Imsar Indah Aryani Indradewa, Rhian Intan Azzahra Intan Azzahra Irham, Mawaddah Iskandar, Irfan Ismal, Rifky Isnaini Harahap IZZAH, NURUL Jelita Handayani Rambe Jihan Fatya Juliana Nasution Juwita Silfana K, Kamilah K., Kamilah Kamilah K. Kamilah,k Khaila Calsa Fhadillah Khaila Calsa Fhadillah Khairani Khairani Khairani Marpaung Khairina, Nabila Khoirotun Nisa Limbong Khoirotun Nisa Limbong khusnul khotimah Kiki Andrea Putri Hasibuan Kuncoro, Muhammad Agus Laili Rohimah LathiefIlhamy Nst, M. Latifah Latifah Laylan Syafina Lestari, Fitriani Lisa Yuniar Lisnawati Lisnawati Lubis, Ainun Mardiah Lubis, Balqis Mawaddah Lubis, Minta Ito Lubis, Najwa Felisa Lubis, Rafika Amalia Lubis, Siti Zahra Khostamaru Aspia Lubis, Sofia Lubis, Sri Nikmah Tullah Lutfiah Effendi Lutfiansyah, Irham Luthfi Ichsan Aulia M Rizky Erlangga M. Ali M. Asiddiki Mubarak M. Fahrizal Hafiz M. Yasfin Nasution M. Yoga Pratama Harahap MA, Dr Sugianto Maidalena Maidalena, Maidalena Manik, Alfia Rahman Manik, M. Bay Hakqi Manik, Risnainun Wahyuli Marliyah Marliyah Marliyah Marliyah Marliyah, Marliyah Marni Susi Susanti Harahap Marsyah Aprilya Maryam Batubara Maulida, Lisa Maylani, Rani Meilinda Ritonga Mella Afrina Mella Afrina Mhd Adjie Permana Hasibuan Mhd Faisal Anwar Afandi Rambe Mico Ferdyansyah Miftahul Fadhil Hanif Miranda Panjaitan Miranti Agustina Miranti Agustina Miswari, Farhan Monika, Sherli Mufti, Muhammad Ikhsan Muhammad Abdillah Pratama Aminullah Muhammad Abdillah Pratama Aminullah Muhammad Aldrian Oktofa Muhammad Arif Muhammad Arif Muhammad Arif Muhammad Gilang Ramadhan Muhammad Habib Rifky Muhammad Habib Rifky Muhammad Hasan AsyAry Muhammad Iqbal Sayuti Harahap Muhammad Lathief Ilhamy Nasution Muhammad Nabil Hanifah Purba Muhammad Rafli Hudhawi Nasution Muhammad Ramadhan Muhammad Ridwan Muhammad Ridwan Muhammad Sukri Muhammad Sukri muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Taufiq Muhammad Yafiz Muhammad Yafiz Muhammad Yafiz, Muhammad Muhammad Yuda Hendrawan Muliana Munthe, Raja Syahrial Mursala, Fakri Mustapa  Khamal  Rokan Muthia Hafsari Hsb Mutia Sari Dewi Mutia Zahra Lubis Mutyara Kd Chairunissa Pohan Nabila Nasywa Nabila Nasywa Nabila Syafitri Nabila, Fadya Nabila, Putri Salsa Nabilah Syahirah Azhari Nadya Ananda Effendi Nadya Nadya Nadzira Putri Andani Naibaho, wahyu andriansyah Najwa Felisa Lubis Namira Fariza Isnah Suglia Nasution, Ade Irma sofyan Nasution, Amalia Nasution, Anisa Madani Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Dinda Pradina Nasution, Fachrul Rozzi Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Nadya Dwinna Putri Nasution, Rahmad Mulia Tama Nasyaa, Sultan Rasy Nasyuwah S Hasibuan Nawrah, Hilwatun Nazli Aulia Nazli Aulia Nelmi Sari Nidaul Husna Nidaul Husna Nindya Azzahra Ningrum, Laila Dwi Nisah Handayani Nona Pebriana Rangkuti Noprillia Ramadhani Saragih Novi Purnama Sari Nst, Muhammad Lathief Ilhamy Nuh, Ruslee Nur Ahmadi Bi Rahmani Nur Ainun Ningsih Nur Aisyah Tanjung Nur Amalia Nur Atikah Nur Atikah NUR HAMIDAH Nur Hamidah Nuraini Nuraini Nurbaiti Nurbaiti Nurbaiti Nurfuadi, Wika Nurhabibi, Elsa Nurhayati Nurhikmah Berasa Nurhikmah Berasa Nuri Aslami Nurlisa Tamara Nursantri Yanti Nurul Inayah Nurul Inayah Nurul Izzah Nurul Izzah Nurul Jannah Nurulita, Anggia Oktaviani, Tesya Orra Venta Ramdhany Harahap Pajhar Ainun Berutu Panca Syahputra Pane, Muhammad Rivaldi Pasaribu, Rifdah Atika Pebriansyah Siregar Pebriansyah Siregar permatasari, putri dwi Prameswari, Ardhia Pratama, M. Luthfi Arif Prianti, Dela Primastuty, Pinny Priyani , Annisa Priyanti, Vivi Pulungan, Rahmat Rizki Puput Handriani, Widia Lestari Purnama Ramadani Silalahi Purnama, Eftry Ade Puspa, Chairunnisa Dian PUSPITA, DARA Puspita, Mutia Dila Putra, Randy Tama Putri Adila Putri Anggraini Putri Anggraini Putri Chairunnisa Pane Putri Chairunnisa Pane Putri Fajariah Sabda Putri Hayati Putri Hayati Putri Indah Fadillah Putri Ramadhani Putri Yuanita putri, amanda afriza Qorry Prananda Aulia Raden Mohamad Herdian Bhakti Rafita Rafita Rahma Sari Zein Rahma, Nopita Rahma, Tri Inda Fadhila Rahma, Tri Inda Fadillah Rahmadayana, Rizka Dwi Rahmah Nur Dongoran Rahman Saleh Nasution Rahman Saleh Nasution Rahmani, Nur Ahmadi Rahmat Daim Harahap Rahmi Syahriza, Rahmi Rahmi, Maulida Raihani Az Zahra Aljuned Ramadani, Sri Ramadhani, Sri Ramadhani, Syifa Husna Ramadhini, Suci Rambe, Trinaningsih Ramil Abbasov Rani Maylani Rendi Setiawan Purba Reni Ria Armayani Hasibuan ria septiana Ria Tifany Tambunan Rifani Anggraini Rifki Arifin Lubis Rifky Ismal Rika Umbaiyani Ritonga Risa Adelila Hasibuan Risa Adelila Hasibuan Riski Ananda Siregar Risma Haryani Siregar Ritonga, Afiq Yasfa Assaumi Rizkinta Amelia Batubara Rizky Karina Syahputra Sagala Rizky, Indah Mutiara Roida Purba Ruliana Ruliana, Ruliana Ryan Syahputra Sabila, Wan Shalah Sabrina Faraditha Sabrina Faraditha Sabrina, Zafira Safitri Winarsih Sahfitri, Nurmaya Dewi Sakinah, Layla Nurul Salma Indriani Salma Indriani Salsabila, Fazira Samad, Khairunnisa Abd Saparuddin Siregar Sapina Dongoran Sarah, Fitria Sarah Sari, Indaniaty Hasanah Sari, Ok. Putri Ananda Sari, Reny Tri Viola Sari, Riska Dwi Sarifah Aini Kembaren Sastriani Ritonga Sembiring, Rahmawati Br Sepfiani, Putri Serly Charita Harahap Sherin Aulia Putri Sherin Aulia Putri Sihotang, Indah Khairunnisa Silalahi, Purnama Ramadani Silalahi, Purnama Ramadhani Silvia Anggrie Nst Sinambela, Khayriza Sindi Rahmadani Sinta Aulia Haikal Sinulingga, Nabila Oktarina Siregar, Choirussonya Putri Amini Siregar, Mutia Fajri Siregar, Nurul Haliza Siregar, Riski Ananda Siregar, Rizky Anggina Siregar, Sri Indah Siregar, Suci Afria Sasty Sisca Amini Cahya Agitsna Agitsna Siti Aisyah Siti Alfaini Syarifah Siti Amrina Hasibuan Siti Julia Siti Rahma Sibuea Sitorus, Eva Afrilisa Sitorus, Sry Rahayu Ningsih Situmorang, Nurul Utami Sofia Lubis Sri Ramadhani Sri Ramadhani sri sudiarti sri sudiarti Sri Sudiarti Sry Rahayu Ningsih Sitorus Stefani Stefani Subakti, Hari Suci Arifah Lubis Sugianto Sugianto Sugianto Sugianto Sugianto Sugianto Suhairi Suhairi Suliawati Suliawati Sunan Agung Nugroho Syafina, Lailan Syahputri, Nur Mustika Syahputri, Rindi Syamsiar, Syamsiar Syaputri, Widya Syari, Meilya Evita Syarifah Hanum Tumangger Syarifah Hanum Tumangger Tambunan, Khairina Tanjung, Miftahul Jannah Tari Rizkya Fona Tasya Fadilah Taufiq Kamil Batubara Tiara Ajeng Dewita Tira Syahira Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tria Annisa Try Wahyuni Mawatdah Try Wahyuni Mawatdah Tumanggor, Siti Rahmah Tuti Anggraini Tuti Anggraini Ubay, Fadhila Audi Utama, Septia Sakinah Rizki Valen Zikra Febix Vania Khairunisa lubis Wa Ode Jeslin Wa Ode Jeslin Wahyu Apriandi Batubara Wahyu Destriyansah Wahyudi, Rizky Widya Rizky Amelia Willia Wahyuni Winata, Reihan Arya Winda Irmayani Sijabat Windy Puspita Yasirwan Yasmin, Aulia Syafitri Yati, Fenni Windi Yeni Aprilina Pulungan Yeprian Aji Ratukarangga Yola Aprilia Sibagariang yuda pratama Yulia Wati Yulita Astri Yulpida Sari Lubis Yuniar Pangesti Yusrizal Yusuf Yusuf Zahir Muhammad Fadhilah Harahap Zahir Muhammad Fadhilah Harahap Zainarti Zainarti Zainarti Zamzami Akromi Lubis Zuhrinal M. Nawawi Zulfa Khoiriah Zulfina Ramadhani Siregar Zulhasby Assidqy Nasution ‘Izzi, Amalul