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Journal of Islamic Economics Lariba JRAP (Jurnal Riset Akuntansi dan Perpajakan) Journal of Public Representative and Society Provision International Journal of Management and Business Economics International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Journal of Economics and Social Sciences Jurnal Penelitian Ekonomi Manajemen dan Bisnis Moneter : Jurnal Keuangan dan Perbankan J-ISACC : Journal of Islamic Accounting Competency Paradoks : Jurnal Ilmu Ekonomi Amkop Management Accounting Review (AMAR) Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Jurnal Informasi Keagamaan, Manajemen dan Strategi Trending: Jurnal Manajemen dan Ekonomi Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Manajemen dan Ekonomi Jurnal Riset Akuntansi Jurnal Riset Ekonomi dan Akuntansi Jurnal Informatika Ekonomi Bisnis (JIMBE) Journal of Economics and Management Scienties Journal of Management, Economic, and Accounting Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis Jurnal Anestesi: Jurnal Ilmu Kesehatan dan Kedokteran Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Social Science Academic Jurnal Ilmiah Ekonomi dan Manajemen Akuntansi: Jurnal Riset Ilmu Akuntansi Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah IIJSE Neraca Manajemen, Akuntansi, dan Ekonomi Journal of Waqf and Islamic Economic Philanthropy Journal of Islamic Economics and Finance Jurnal Akuntansi dan Keuangan Islam (JAKIs) Santri : Jurnal Ekonomi dan Keuangan Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Islamic Economics and finance in Focus (IEFF) Jurnal Intelek Dan Cendikiawan Nusantara JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI MAXIMAL Jurnal Ekonomi, Akuntansi dan Perpajakan Jurnal Inovasi Ekonomi Syariah dan Akuntansi An-Nisbah: Jurnal Ekonomi Syariah Akuntansi dan Ekonomi Pajak: Perspektif Global Jurnal Akuntansi Hukum dan Edukasi Journal of Sharia Business Management Jurnal Pendidikan Rafflesia Global Leadership Organizational Research in Management Proceeding International Conference on Islamic Economics Community Services Ecobankers : Journal of Economy and Banking Jurnal Ekonomi Dan Bisnis Jurnal Pengabdian Nusantara Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Ekonomi, Manajemen Pariwisata dan Perhotelan Journal of Golden Generation Economic Journal of Golden Generation Multidisciplinary STARLA : Jurnal Pengabdian Masyarakat Jurnal Simki Economic International Journal of Islamic Business Management Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Jurnal Publikasi Manajemen Informatika MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Media Ekonomi dan Manajemen Optimal: Jurnal Ekonomi dan Manajemen
Muhammad Ikhsan Harahap
Universitas Islam Negeri Sumatera Utara
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ANALISIS FAKTOR YANG MEMPENGARUHI PEMBIAYAAN MUSYARAKAH DI PERBANKAN SYARIAH Nazli Aulia; Nidaul Husna; Salma Indriani; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025): Desember
Publisher : CV. Barokah Publsiher

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Abstract

Musharakah financing represents a core profit-and-loss sharing (PLS) instrument in Islamic banking, designed to promote equitable risk-sharing and support productive economic activities. However, its proportion within the financing portfolio of Islamic banks in Indonesia remains relatively limited and fluctuative compared to non-PLS contracts. This study aims to analyze the factors influencing musharakah financing in Islamic banking by focusing on internal bank performance indicators and external macroeconomic conditions. This research employs a qualitative approach using a literature review method, drawing upon previous empirical studies, Islamic banking statistics, and regulatory documents related to PLS financing. The analysis reveals that internal factors such as non-performing financing (NPF), operational efficiency (BOPO), capital adequacy ratio (CAR), and third-party funds (DPK) consistently influence banks’ decisions in channeling musharakah financing. In addition, external factors including economic growth, inflation, and regulatory frameworks also play a significant role in shaping banks’ risk preferences toward partnership-based financing. These findings indicate that strengthening risk management, improving operational efficiency, and ensuring adequate capital structure are essential to support the sustainable development of musharakah financing in Islamic banking. This study is expected to contribute to the academic discourse on profit-sharing financing and provide strategic insights for Islamic banks in optimizing their financing portfolios.
STRATEGI MARKETING PEMBIAYAAN BANK SYARIAH DALAM MENDUKUNG PENGEMBANGAN UMKM DI INDONESIA Cindy Anita Sari; Intan Azzahra; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025): Desember
Publisher : CV. Barokah Publsiher

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Abstract

This study examines the role of Islamic banking marketing strategies in supporting the development of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. Islamic banks have a strategic position in providing Sharia-compliant financing as an alternative source of capital for MSMEs. This research aims to analyze how financing marketing strategies implemented by Islamic banks contribute to MSME growth. A qualitative research approach is employed using SWOT analysis to identify internal strengths and weaknesses, as well as external opportunities and threats affecting the effectiveness of Sharia financing marketing. The findings indicate that compliance with Sharia principles, flexible financing contracts, strong community-based networks, and personalized services represent the main strengths of Islamic banks. However, limited understanding of Sharia contracts among MSME actors, inadequate digitalization, uneven human resource competencies, and restricted branch coverage remain internal challenges. Externally, MSME expansion, increasing demand for halal financial products, and supportive government policies provide significant opportunities, while competition from conventional banks, fintech platforms, online lending services, and low financial literacy pose serious threats. The study concludes that Islamic banks need to strengthen value-based marketing strategies rooted in Sharia principles while accelerating digital transformation. Enhancing Sharia financial literacy, developing innovative financing products, and reinforcing community-oriented marketing are recommended to improve MSME financing outreach.
STUDI LITERATUR PEMBIAYAAN UMKM PADA PERBANKAN SYARIAH Nurhikmah Berasa; Haya Aghnia Azzahra; Muhammad Habib Rifky; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 4 (2025): Desember
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the role and effectiveness of Islamic banking in financing micro, small, and medium enterprises (MSMEs) in Indonesia. Using a qualitative descriptive approach through literature review, this research synthesizes data from books, scientific journals, and official publications from 2014 to 2024 related to Islamic banking and MSME development. The study reveals that Islamic banks play a crucial role in supporting MSMEs through profit-and-loss sharing schemes such as mudharabah, musyarakah, and murabahah, which emphasize fairness and partnership principles. Despite these advantages, several obstacles remain, including low Islamic financial literacy, limited collateral, and insufficient product innovation for micro-segments. The findings suggest that collaboration among Islamic banks, government, and financial technology institutions is necessary to enhance inclusion and innovation in Islamic financing. This research contributes theoretically to the development of Islamic financial models for MSMEs and provides practical implications for policymakers to strengthen the Islamic banking ecosystem in promoting inclusive and sustainable economic growth in Indonesia.
TIME VALUE OF MONEY SEBAGAI DASAR PENGAMBILAN KEPUTUSAN INVESTASI MODERN: Analisis Literatur Pada Real Aset, Pasar Uang, Dan Securities Crowdfunding Putri Hayati; Sabrina Faraditha; Putri Anggraini; Pebriansyah Siregar; Rahman Saleh Nasution; Danu Wijaya; Muhammad Ikhsan Harahap
INTERNATIONAL, Journal of Sharia Business Management Vol 4 No 5 (2025): Desember
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to analyze the application of the Time Value of Money (TVM) concept across three major investment categories—money market instruments, real assets, and securities crowdfunding—by emphasizing how the principle of time-based value shapes the evaluation of risk, feasibility, and the real value of investment returns. Using data on policy interest rates, inflation levels, residential property price growth, rental yields, money market mutual fund performance, and the return–default ratio within the crowdfunding industry, this study demonstrates that TVM plays a crucial role in determining whether an investment can generate positive real value for investors. In the money market, TVM helps assess whether relatively low returns can withstand inflationary pressures and high benchmark interest rates; in real assets, it measures the long-term viability of rental income and capital gains amid moderate property price growth; and in crowdfunding, it becomes essential for evaluating uncertain cash flows and higher risks despite attractive nominal returns. The findings affirm that TVM is not merely a theoretical concept but a practical foundation necessary for making objective, rational, and measurable investment decisions within the dynamics of the modern economy.
The Influence of Technology Use, Perceived Ease of Use and Facilitating Conditions on Stock Investment Decisions in the Sharia Online Trading System (SOTS) (Case Study of UINSU Medan Students) Manik, Alfia Rahman; Soemitra, Andri; Harahap, Muhammad Ikhsan
Journal of Applied Accounting and Taxation Vol. 11 No. 1 (2026): Journal of Applied Accounting and Taxation (JAAT)
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaat.v11i1.12524

Abstract

The growing public interest in Sharia-compliant investments has driven the need to utilize technology that facilitates access to the capital market. One emerging innovation is the Sharia Online Trading System (SOTS), a digital-based Sharia-compliant stock trading platform designed to help Muslim investors transact in accordance with Sharia principles. However, its use still garners less than favorable public perception, primarily because the system is still integrated with conventional mechanisms. This study aimed to determine the influence of Technology Use, Perceived Ease of Use, and Facilitating Conditions on stock investment decisions through SOTS. The method used was a quantitative approach with a causal associative approach. The study sample consisted of 85 active SOTS student users selected through purposive sampling based on specific criteria. Data were collected online using a Likert-scale questionnaire. The results of multiple linear regression analysis showed that the three independent variables simultaneously had a significant influence on stock investment decisions, with a coefficient of determination (R²) of 0.745. Partially, Technology Use was the most dominant variable compared to the other variables. These findings confirm that the success of investing through Sharia-compliant digital platforms depends not only on the quality of the technology used, but also on the perceived ease of use of the system and the available infrastructure support. Therefore, system development and education for potential investors are crucial steps to increase public participation in Sharia-compliant stock investing in the digital era.
Pengaruh Literasi Keuangan, Budaya, Social Influence Terhadap Keputusan Investasi Kelas Menengah Muslim Erika Setia Cahyani; Muhammad Ikhsan Harahap; Nurbaiti
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/byn5xq05

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan, budaya, dan social influence terhadap keputusan investasi masyarakat kelas menengah Muslim di Kota Medan dalam konteks pembentukan perilaku investasi berbasis ekonomi Islam perkotaan. Penelitian menggunakan pendekatan kuantitatif dengan teknik purposive sampling yang melibatkan 100 responden dari kalangan kelas menengah Muslim di Kota Medan. Data dikumpulkan melalui penyebaran kuesioner dan dianalisis menggunakan metode Structural Equation Modeling–Partial Least Square (SEM-PLS) dengan bantuan perangkat lunak SmartPLS. Hasil penelitian menunjukkan bahwa literasi keuangan, budaya, dan social influence berpengaruh signifikan terhadap keputusan investasi, dengan nilai R-Square sebesar 0,738 yang berarti ketiga variabel tersebut secara simultan mampu menjelaskan 73,8% variasi keputusan investasi. Secara teoretis, penelitian ini memperkuat pemahaman mengenai hubungan integratif antara literasi keuangan syariah, nilai-nilai budaya Islam, dan pengaruh sosial dalam membentuk perilaku keuangan masyarakat Muslim modern. Dari sisi kebijakan, temuan ini dapat menjadi dasar bagi lembaga keuangan syariah dan regulator dalam merancang strategi edukasi, promosi, serta inovasi produk investasi berbasis nilai Islam. Kebaruan penelitian ini terletak pada integrasi ketiga variabel tersebut dalam menjelaskan keputusan investasi kelas menengah Muslim perkotaan, sehingga memberikan perspektif baru terhadap perilaku investasi dalam konteks ekonomi Islam modern, khususnya di Kota Medan.
Pengaruh Literasi Keuangan Dan Literasi Digital Terhadap Perkembangan UMKM Dengan Akses Keuangan Syariah Sebagai Variabel Intervening Ahmad Fauzan Purba; Aqwa Naser Daulay; Muhammad Ikhsan Harahap
Jurnal Investasi Islam Vol. 11 No. 1 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/xzkskd65

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh literasi keuangan dan literasi digital terhadap perkembangan UMKM dengan akses keuangan syariah sebagai variabel intervening. Penelitian ini menggunakan pendekatan kuantitatif dengan metode survei terhadap 87 pelaku UMKM di Kecamatan Sei Lepan. Teknik analisis data yang digunakan adalah Structural Equation Modeling Partial Least Squares (SEM-PLS) untuk menguji validitas, reliabilitas, serta hubungan struktural antarvariabel. Hasil penelitian menunjukkan bahwa literasi digital berpengaruh positif dan signifikan terhadap perkembangan UMKM serta terhadap akses keuangan syariah. Sementara itu, literasi keuangan tidak berpengaruh signifikan secara langsung terhadap perkembangan UMKM, namun berpengaruh signifikan terhadap akses keuangan syariah. Akses keuangan syariah terbukti berpengaruh positif dan signifikan terhadap perkembangan UMKM. Pengujian mediasi menunjukkan bahwa akses keuangan syariah memediasi hubungan antara literasi digital dan literasi keuangan terhadap perkembangan UMKM. Meskipun pada tingkat signifikansi 5% pengaruh tidak langsung belum signifikan, pada tingkat signifikansi 10% kedua jalur mediasi masih dapat dijelaskan signifikan secara moderat. Secara keseluruhan, penelitian ini menyimpulkan bahwa literasi digital merupakan faktor dominan dalam mendorong perkembangan UMKM, sedangkan literasi keuangan memberikan kontribusi melalui peningkatan akses keuangan syariah. Oleh karena itu, penguatan literasi digital dan literasi keuangan yang diintegrasikan dengan perluasan akses pembiayaan syariah menjadi strategi penting dalam mendukung pertumbuhan UMKM yang berkelanjutan.
Analysis of the Application of Sharia Principles in the Development of Sharia Capital Market (Case Study of the Indonesia Stock Exchange, North Sumatra Representative Office) Muhammad Ikhsan Harahap; M. Ali
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 1 (2022): Januari
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i1.424

Abstract

The problem in this study is whether the application of sharia principles is in accordance with the principles of the sharia capital market according to the DSN-MUI Fatwa NO: 40/DSN-MUI/X/2003 and POJK 15/POJK.04/2015. This study aims to determine the suitability of the application of sharia principles in the development of the Islamic capital market at the Indonesia Stock Exchange, North Sumatra Representative Office. The results of this study are expected to be able to provide input in the world of capital markets, especially in the Islamic Capital Market. This research was conducted at the Indonesia Stock Exchange Representative Office of North Sumatra. The data in this study are primary data and secondary data. The research method used is qualitative with a qualitative descriptive approach with the aim of providing a detailed description of the background, characteristics, and characteristics of the subject under study. The results of this study indicate that the application of sharia principles in the development of the Islamic capital market at the Indonesia Stock Exchange North Sumatra Representative Office has been in accordance with the principles of the Sharia Capital Market according to the Fatwa of DSN-MUI NO: 40/DSN-MUI/X/2003 and POJK 15/ POJK.04/2015.
MACROECONOMIC DYNAMICS AND COMMUNITY WELFARE: AN EMPIRICAL STUDY OF PURCHASING POWER IN MEDAN CITY Basri, Hunny Lutpiah; Sugianto, Sugianto; Harahap, Muhammad Ikhsan
Jurnal Al-Ijtimaiyyah Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/al-ijtimaiyyah.v12i1.33942

Abstract

This study analyzes the influence of key macroeconomic factors on community purchasing power as an important indicator of social and economic welfare in urban areas. Specifically, it examines the effects of Gross Regional Domestic Product (GRDP), inflation, and the Regional Minimum Wage on purchasing power in Medan City, Indonesia. Purchasing power reflects the community’s ability to meet basic and non-basic needs and plays a strategic role in sustaining social stability and improving living standards within urban society. The study employs a quantitative approach using multiple linear regression analysis based on secondary monthly data from 2019 to 2023 obtained from the Central Statistics Agency. The results show that inflation has a negative and significant effect on purchasing power, while GRDP and the Regional Minimum Wage have positive and significant effects. Simultaneously, the three variables significantly influence purchasing power, with an R-squared value of 0.691, indicating that 69.1% of the variation in purchasing power is explained by the model. These findings highlight the importance of inclusive economic growth, sustainable wage policies, and effective inflation control in strengthening community welfare. This study contributes to social and economic development discourse by providing empirical evidence to support public policies aimed at improving the purchasing power and well-being of urban communities.
Analisis Perbandingan Antara Saham Syariah Dan Emas Ditinjau Dari Risk Dan Return Periode 2023 – 2025 Sitorus, Sry Rahayu Ningsih; Hasibuan, Reni Ria Armayani; Harahap, Muhammad Ikhsan
Jambura Economic Education Journal Vol 8, No 2 (2026): APRIL 2026
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jeej.v8i2.37798

Abstract

This study aims to compare the investment performance of sharia stocks and ANTAM gold based on return and risk levels during the 2023–2025 period. The methodology used is a quantitative approach with a descriptive-comparative research model. The research data consists of the weekly closing prices of sharia stocks included in the Indonesia Sharia Stock Index, namely AALI, ACES, and ABMM, as well as the price of ANTAM gold. Data processing was conducted by calculating returns and risk using standard deviation, followed by the Jarque–Bera normality test, the Augmented Dickey–Fuller (ADF) stationarity test, the independent samples t-test, and volatility analysis using the GARCH (1,1) model. The results of the study indicate that there is no significant difference in return levels between sharia stocks and ANTAM gold. However, sharia stocks have higher risk and volatility levels compared to gold. These findings indicate that gold tends to be more stable as a hedging instrument, while sharia stocks offer greater return potential with the consequence of higher risk. The results of this study recommend portfolio diversification between sharia stocks and gold, and can serve as a reference for regulators. Further research is suggested to expand the study period and variables.
Co-Authors ,., Atika ,M.Si, Yusrizal A, RismaDani Abdillah Aswari Abdu Rahman Hakim 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 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 Alfi Andriansyah Harahap Alif, Ryo Vikri Alya Abdul Ramadhani 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 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 Rahmah Herlin 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 Asrika Winana Farida Ayu Astri Hardina Amelia Atika Atika Atika Audira Luthfia Sungkar Audira Luthfia Sungkar Aulia Nurul Annisa Ayu Fitriana Ayu Hani Marsani Tanjung Ayu Hani Marsani Tanjung Ayyub Ramadhan 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 Alya Tantri Cindy Anggreni Cindy Anita Sari Cindy Anita Sari Cindy Er Nisa Cindy Sekar Arum Daei, Muhammad Imam Dalimunthe, Afifah Damanik, Anhari Gusvi Damayanti, Anggita Danu Wijaya Danu Wijaya Dela Prianti Dewarni Siregar Dewita Rohani Dewita, Tiara Ajeng Dharma, Budi Dicky Pratama Dinda Aulia Sari Dinda Nurayuni Humaira Dinda Nurayuni Humaira Dinda Pradina Nasution Dini Lestari Dino Farid Pratama Dwi Gusvita Anggraini Dwiki Wardana Syah Dyah Mega Putri Efendi, Nadya Ananda Eko Purnomo Elisa Fitri ella fadila Damanik Elsa Nurhabibi Elya Rosa Maharani Sembiring Ema Khairani Ema Nur Syahfitri Eri Erika Setia Cahyani Eva Afrilisa Sitorus 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 Farhan Miswari 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 Fitriani Lestari 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, Reni Ria Armayani Hasibuan, Winda Khairani Hasrimy, Nabila Felicia Haya Aghnia Azzahra Haya Aghnia Azzahra Hendra Harmain Hendra Harmain Hermain, Hendra Hidayah, Muhammad Arif Hutabarat, M. Rafiq Efrianda Ibnu Habib Wahyudi Ibnu Rizal Mubarok Ibnu Syawali Manurung Iir Tsamrotur Rofa Ika Puspita Sari Ikhwan Abidin Ikram Muharril Imam Solehuddin Imron Berutu 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 Juliana Nasution Juwita Silfana K, Kamilah K., Kamilah Kamilah K. Kamilah,k Khaila Calsa Fhadillah Khaila Calsa Fhadillah Khairani Khairani Khairani Marpaung Khairina, Nabila Khairunnisa Abd Samad Khoirotun Nisa Limbong Khoirotun Nisa Limbong Khusnul Khotimah Kiki Andrea Putri Hasibuan Kuncoro, Muhammad Agus Laili Rohimah LathiefIlhamy Nst, M. Latifah Latifah Laylan Syafina Lisa Yuniar Lisnawati Lisnawati Lubis, Ainun Mardiah Lubis, Balqis Mawaddah 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 Yasfin Nasution 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 Mico Ferdyansyah Miftahul Fadhil Hanif Miftha Maulida Anggi Minta Ito Lubis Miranda Panjaitan Miranti Agustina Miranti Agustina Mufti, Muhammad Ikhsan Muhammad Abdillah Pratama Aminullah Muhammad Abdillah Pratama Aminullah Muhammad Aldrian Oktofa Muhammad Arif Muhammad Arif Muhammad Arif Muhammad Faisal Alfarisyi Muhammad Fathi Farhat Muhammad Gilang Ramadhan Muhammad Habib Rifky Muhammad Habib Rifky Muhammad Hafiz Muhammad Hasan AsyAry Muhammad Ihsan Nasution Muhammad Iqbal Sayuti Harahap Muhammad Lathief Ilhamy Nasution Muhammad Nabil Hanifah Purba Muhammad Ramadhan Muhammad Rezki Ripaldo Hasibuan 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 Muhammad Yuda Hendrawan Muliana Munthe, Raja Syahrial Mursala, Fakri Mustapa Khamal Rokan Muthia Hafsari Hsb Mutia Dila Puspita 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 Nanda Ardi Tama Nanda Syafira Afriyani Nasution, Ade Irma sofyan Nasution, Amalia Nasution, Anisa Madani Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari 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 Nawwir Ar Rasyid Sulaiman Naylatusalwa Makarim Tambunan Nazli Aulia Nazli Aulia Nazwa Zahra 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 Ahmadi Bi Rahmani Nur Ainun Ningsih Nur Aisyah Tanjung Nur Amalia Nur Atikah Nur Atikah NUR HAMIDAH Nur Hamidah Nuraini Nuraini Nurbaiti, Nurbaiti Nurfuadi, Wika Nurhayati Nurhikmah Berasa Nurhikmah Berasa Nuri Aslami Nurlaila Nurlisa Tamara Nurmaya Dewi Sahfitri Nursantri Yanti Nurul Aida Dayana Nurul Inayah Nurul Inayah Nurul Izzah Nurul Izzah Nurul Jannah Nurul Utami Situmorang Nurulita, Anggia Oktaviani, Tesya Orra Venta Ramdhany Harahap Pajhar Ainun Berutu Panca Syahputra Panca Syahputra Pane, Muhammad Rivaldi Pasaribu, Rifdah Atika Pebriansyah Siregar Pebriansyah Siregar Prameswari, Ardhia Pratama, M. Luthfi Arif Primastuty, Pinny Priyani , Annisa Priyanti, Vivi Pulungan, Rahmat Rizki Puput Handriani, Widia Lestari Purnama Ramadani Silalahi Purnama, Eftry Ade Puspa, Chairunnisa Dian PUSPITA, DARA Putra, Randy Tama Putri Adila Putri Anggraini Putri Anggraini Putri Chairunnisa Pane Putri Chairunnisa Pane Putri Dwi Permatasari Putri Fajariah Sabda Putri Hayati Putri Hayati Putri Indah Fadillah Putri Ramadhani putri, amanda afriza Qorry Prananda Aulia Raden Mohamad Herdian Bhakti Rafita Rafita Rahma Sari Zein Rahma, Nopita 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 Syahriza, Rahmi Rahmi, Maulida Raihani Az Zahra Aljuned Ramadani, Sri Ramadhani, Sri Ramadhani, Syifa Husna Ramadhini, Suci Rambe, Trinaningsih Ramil Abbasov Ranah Santri Dongoran Rani Maylani Rendi Setiawan Purba Reni Ria Armayani Hasibuan Reny Tri Viola Sari ria septiana Ria Tifany Tambunan Rifani Anggraini Rifki Arifin Lubis Rifky Ismal Rika Umbaiyani Ritonga Rindi Syahputri Risa Adelila Hasibuan Risa Adelila Hasibuan Riska Dwi Sari Riski Ananda Siregar Risma Haryani Siregar Rizkinta Amelia Batubara Rizky Karina Syahputra Sagala Rizky, Indah Mutiara Roida Purba Ruliana Ruliana Ryan Syahputra Sabrina Faraditha Sabrina Faraditha Sabrina, Zafira Safitri Winarsih Sakinah, Layla Nurul Salma Indriani Salma Indriani Salsabila, Fazira Samsi Efendi Sandi Nugraha Saparuddin Siregar Sapina Dongoran Sarah, Fitria Sarah Sari, Indaniaty Hasanah Sari, Ok. Putri Ananda Sarifah Aini Kembaren Sastriani Ritonga Sepfiani, Putri Serly Charita Harahap Sherin Aulia Putri Sherin Aulia Putri Sihotang, Indah Khairunnisa Silalahi, Purnama Ramadani Silalahi, Purnama Ramadhani Silvia Anggrie Nst 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, Suci Afria Sasty Sisca Amini Cahya Agitsna Agitsna Siti Aisyah Siti Alfaini Syarifah Siti Amrina Hasibuan Siti Julia Siti Rahma Sibuea Sitorus, Sry Rahayu Ningsih Soemitra, Andri Sofia Lubis Soleha, Safnah Sri Indah Siregar 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 Sugianto Sugianto Sugianto Sugianto Suhairi Suhairi Suliawati Suliawati Sunan Agung Nugroho Syafina, Lailan Syaharani Syahputri Syahinda, T. Razita Syahputri, Nur Mustika Syahrul Ramadhan Syamsiar, Syamsiar Syaputri, Widya Syari, Meilya Evita Syarifah Hanum Tumangger Syarifah Hanum Tumangger Tamara Aulia Tambunan, Khairina Tanjung, Miftahul Jannah Tari Rizkya Fona Tasya Fadilah Taufiq Kamil Batubara Tiara Ajeng Dewita Tira Syahira Tri Azmi Ramadhani 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 Wahyu Pinastia Ningrum Wahyudi, Rizky Waizul Qarni Widya Rizky Amelia Willia Wahyuni Winata, Reihan Arya Winda Irmayani Sijabat Windy Puspita Yasirwan Yati, Fenni Windi Yeni Aprilina Pulungan Yeprian Aji Ratukarangga Yola Aprilia Sibagariang yuda pratama Yulia Wati Yulia Wati Yulita Astri Yulpida Sari Lubis Yuniar Pangesti Yusrizal Yustia Dewi 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