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Peran Manajemen Pembiayaan Dalam Meningkatkan Kinerja Bank Syariah Dewarni Siregar; Amirah Shabrina Ilra; Muhammad Ikhsan Harahap
Jurnal Intelek Dan Cendikiawan Nusantara Vol. 2 No. 6 (2025): Desember 2025 - Januari 2026
Publisher : PT. Intelek Cendikiawan Nusantara

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Abstract

Manajemen pembiayaan memiliki peranan penting dalam meningkatkan kinerja bank syariah melalui pengelolaan dana yang efektif dan penyaluran pembiayaan sesuai dengan prinsip syariah. Penelitian ini bertujuan untuk menganalisis strategi manajemen pembiayaan yang dapat meningkatkan profitabilitas serta kepercayaan nasabah terhadap bank syariah. Metode yang digunakan adalah studi literatur dengan menelaah berbagai sumber terkait konsep, strategi, dan praktik manajemen pembiayaan dalam perbankan syariah. Hasil kajian menunjukkan bahwa perencanaan yang matang, pengorganisasian yang efisien, dan pengawasan risiko yang ketat mampu meningkatkan kinerja serta menjaga stabilitas keuangan bank syariah. Selain itu, penerapan inovasi teknologi dalam manajemen pembiayaan turut memperkuat daya saing bank di tengah dinamika pasar yang kompetitif. Dengan demikian, optimalisasi manajemen pembiayaan menjadi faktor kunci dalam mendorong pertumbuhan dan keberlanjutan bank syariah.
Pemberdayaan Ekonomi UMKM Berbasis Kearifan Lokal di Desa Budaya Lingga Kabupaten Karo Damanik, Intan Juwita; Yuanita, Putri; Sembiring, Rahmawati Br; Sabila, Wan Shalah; Harahap, Muhammad Ikhsan
Nuras : Jurnal Pengabdian Kepada Masyarakat Vol. 6 No. 1 (2026): January
Publisher : Lembaga Pendidikan, Penelitian, dan Pengabdian Kamandanu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36312/nuras.v6i1.854

Abstract

Lingga Cultural Village in Karo Regency has a strong potential for local wisdom, but its use in community economic development, especially Micro, Small, and Medium Enterprises (MSMEs) is still not optimal. The main problems include limitations in product packaging, branding, and marketing strategies that are able to represent Karo's cultural values. The Real Work Lecture Program (KKN) aims to empower the MSME economy based on local wisdom to increase business competitiveness. The implementation method uses the Participatory Action Research (PAR) approach involving 10 partner MSMEs engaged in culinary and traditional handicrafts. The program is implemented through three main activities, namely: 1) re-branding and packaging design workshops based on Karo's motives and philosophy; 2) digital marketing training with an emphasis on product culture storytelling; and 3) simple business management assistance. Program evaluation is carried out through observation, interviews, and comparison of conditions before and after activities. The results of the program show an increase in the capacity of MSMEs, characterized by 100% of partner MSMEs having a new visual identity, an increase in digital promotion activities from 30% to 80% of MSMEs active on social media, and the compilation of product narratives based on local culture. This program concludes that the empowerment of MSMEs that focuses on strengthening local wisdom is effective in increasing business competitiveness while contributing to the preservation of the cultural identity of the Lingga Cultural Village.
Sharia Crowdfunding Securities Development Model with Analytical Network Process (ANP) Approach Muhammad Ikhsan Harahap; Nurhayati; Marliyah; Yusrizal; Ilhamy Nasution, Muhammad Lathief; Ramil Abbasov
Journal of Islamic Economic and Business Research Vol. 5 No. 2: December 2025
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jiebr.v5i2.501

Abstract

This research aims to develop a model for Islamic securities crowdfunding in Indonesia. Respondents consisted of 9 experts, including regulators, SCF operators, academics, MSMEs, and representatives of the Islamic fintech association, selected through purposive sampling. This research uses the Analytical Network Process (ANP) approach model. The results indicated that the problems encountered in the development of Islamic crowdfunding securities comprise five key aspects: literacy, public trust, management, regulatory, and technological. The level of agreement (rater agreement) is W=0.3753086, indicating 37.5% sufficient agreement in determining the problem priority issues among informants. The most prioritized Islamic crowdfunding securities development solution is the literacy solution, followed by the public trust solution, the technology solution, the management solution, and finally the regulatory solution. The informants’ agreement level is W = 0.2938272. This means that the level of agreement among informants on the priority order of Islamic SCF development solutions is 29.3%, indicating a sufficient level of agreement. Alternative strategies for developing the most prioritized Islamic crowdfunding securities include increasing literacy, building ecosystems, securing government support, improving technology, and implementing business sustainability strategies. The level of agreement (rater agreement) is W = 0.3101343, indicating that the priority order of Islamic SCF development strategies is 31% agreement, which is a sufficient level.
Perbandingan Kinerja Sukuk dan Obligasi Konvensional di Indonesia Ayu Fitriana; Serly Charita Harahap; Miftahul Fadhil Hanif; Muhammad Ikhsan Harahap
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 3 No 5 (2026): Februari
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v3i5.924

Abstract

Penelitian ini menganalisis perbandingan kinerja sukuk dan obligasi konvensional di Indonesia periode 2020-2025 menggunakan metode studi literatur. Hasil penelitian menunjukkan bahwa sukuk memiliki keunggulan dari sisi stabilitas dan risiko yang lebih rendah karena berbasis aset riil serta lebih tahan terhadap fluktuasi suku bunga, sementara obligasi konvensional menawarkan potensi return lebih tinggi namun dengan risiko lebih besar. Sukuk ijarah mendominasi pasar dengan pangsa 69,23% karena menawarkan kepastian return yang terukur dan kepastian pembayaran berbasis sewa aset. Pertumbuhan pasar sukuk (8,02%) yang melampaui obligasi konvensional (5,28%) menunjukkan minat investor terhadap instrumen syariah terus meningkat, meskipun masih menghadapi tantangan likuiditas di pasar sekunder. Pemilihan antara kedua instrumen ini bergantung pada profil risiko dan tujuan investasi masing-masing investor.
Analisis Capital Asset Pricing Model (CAPM) Sebagai Dasar Pengambilan Keputusan Investasi pada Saham Saham Syariah IDXMESBUMN Desember 2023 - Mei 2024 Dino Farid Pratama; Aldyansah Arrahman Rianto; Adelia Sahputri Nainggolan; Nona Pebriana Rangkuti; Namira Fariza Isnah Suglia; Sindi Rahmadani; Fahmi Reza Sitepu; Muhammad Ikhsan Harahap
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 3 No 5 (2026): Februari
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v3i5.926

Abstract

Terdapat tujuan dalam penelitain ini yakni untuk mengkaji tingkat pengembalian saham individu (Ri), tingkat risiko sistematis (βi), serta tingkat pengembalian yang diharapkan. Selain itu, penelitian ini juga menganalisis perbandingan antara tingkat pengembalian saham individu (Ri) dan tingkat pengembalian yang diharapkan melalui metode Capital Asset Pricing Model (CAPM) di saham-saham yang tergabung dalam indeks IDX-MES BUMN selama periode Desember 2023 hingga Mei 2024. Penelitian ini adalah penelitian deskriptif kualitatif yang menggunakan pendekatan studi kasus. Pendekatan tersebut diterapkan pada saham-saham yang tergabung dalam indeks IDX-MES BUMN selama periode Desember 2023 hingga Mei 2024. Metode ini digunakan untuk menganalisis penilaian aset modal sebagai dasar pengambilan keputusan dalam investasi melalui pendekatan Capital Asset Pricing Model (CAPM). Penelitian ini menggunakan data panel berupa data runtut waktu (time series) dari bulan Desember 2023 hingga Mei 2024. Data yang digunakan merupakan data sekunder yang diperoleh dari publikasi resmi Bursa Efek Indonesia dan Bank Indonesia, meliputi data harga saham, BI 7-Day Reverse Repo Rate, serta Indeks Harga Saham Gabungan (IHSG). Hasil penelitian mengindikasikan bahwa pada periode Desember 2023 hingga Mei 2024, sebanyak 16 saham yang tergabung dalam Indeks IDX-MES BUMN menunjukkan tingkat pengembalian individu yang beragam. Saham ANTM tercatat memiliki tingkat pengembalian yang diharapkan paling tinggi dengan nilai beta sebesar 1,72, sedangkan saham TPIA memiliki tingkat pengembalian yang diharapkan paling rendah dengan nilai beta sebesar 0,68. Oleh karena itu, keputusan investasi dilakukan dengan mempertimbangkan saham yang berada dalam kondisi undervalued sebagai dasar untuk melakukan pembelian atau penjualan saham.
Peran Surat Beharga Syariah Negara (SBSN) dalam Stabilitas Ekonomi dan Pengembangan Keuangan Syariah di Indonesia Hamidatus Shalihah; Ika Puspita Sari; Jihan Fatya; Muhammad Ikhsan Harahap
Jurnal Ilmu Manajemen, Bisnis dan Ekonomi Vol 3 No 5 (2026): Februari
Publisher : PT Maju Malaqbi Makkarana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59971/jimbe.v3i5.942

Abstract

Tujuan penelitian ini adalah untuk menganalisis secara menyeluruh fungsi SBSN sebagai instrumen penyangga stabilitas fiskal, menggambarkan kontribusinya terhadap pembiayaan APBN, serta mengkaji perannya dalam memperkuat pasar keuangan syariah dan meningkatkan partisipasi masyarakat dalam instrumen syariah. Penelitian ini menggunakan metode penelitian kualitatif melalui pendekatan studi literatur, yang bersumber dari regulasi pemerintah, laporan resmi Kementerian Keuangan, Otoritas Jasa Keuangan, serta penelitian akademik terkait kebijakan fiskal dan instrumen syariah. Hasil penelitian menunjukkan bahwa SBSN berkontribusi signifikan terhadap ketahanan fiskal melalui diversifikasi pembiayaan, peningkatan ruang fiskal, dan penguatan stabilitas pasar surat berharga syariah. Selain itu, SBSN terbukti mendorong perkembangan keuangan syariah melalui peningkatan jumlah investor ritel, penguatan lembaga keuangan syariah dalam pengelolaan likuiditas, serta pembangunan infrastruktur pasar syariah yang lebih terstruktur. Secara keseluruhan, SBSN berperan tidak hanya sebagai instrumen fiskal, melainkan juga sebagai katalis utama dalam memperkuat fondasi keuangan syariah nasional.
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)
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)
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)
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)
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.
Co-Authors ,., Atika ,M.Si, Yusrizal A, RismaDani Abdillah Aswari Abdul Aziz Hakim Abdul Ramadhani, Alya 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 Firdaus Lingga Ahmad Habibi Daulay Ahmad Pramudja 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 Ananda Fitriani Oktavia Andani, Nadzira Putri 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 Anika, Regi Aninda Mahfadillah Aninda Mahfadillah Anisah Nasution Annisa Afwani Annisa Khoiri Annisa, Dwi Nur Annisa, Sufiati Anwar Syarif Harahap Aprilla, Vanya Aqwa Naser Daulay Ardhia Prameswari Ardiansyah Ardiansyah 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 Ayyub Ramadhan Azura, Rizky Baehaqi Baihaqi, M. Eza Bambang Permadi Bambang Permadi 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 Er Nisa Cindy Sekar Arum Daei, Muhammad Imam Dalimunthe, Afifah Damanik, Anhari Gusvi Damanik, Intan Juwita Damayanti, Anggita Danu Wijaya Dayana, Nurul Aida Dewarni Siregar Dewita Rohani Dewita, Tiara Ajeng Dharma, Budi Dicky Pratama Dinda Aulia Sari 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 Evan Hamdani Fachry Abda El Rahman Fadhilah, Irfan Fadillah Syafitri 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 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, Winda Khairani Hasrimy, Nabila Felicia 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 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 Khairani Khairani Khairani Marpaung Khairina, Nabila Khoirotun Nisa Limbong khusnul khotimah Kiki Andrea Putri Hasibuan Kuncoro, Muhammad Agus 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. Ali M. Asiddiki Mubarak M. Fahrizal Hafiz M. Yasfin Nasution M. Yoga Pratama Harahap MA, Dr Sugianto Maidalena Maidalena, Maidalena 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 Mhd Faisal Anwar Afandi Rambe Mico Ferdyansyah Miftahul Fadhil Hanif Miranda Panjaitan Miranti Agustina Miswari, Farhan Monika, Sherli Mufti, Muhammad Ikhsan Muhammad Abdillah Pratama Aminullah Muhammad Aldrian Oktofa Muhammad Arif Muhammad Arif 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 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 Syafitri Nabila, Fadya Nabila, Putri Salsa Nabilah Syahirah Azhari Nadya Ananda Effendi Nadya Nadya Naibaho, wahyu andriansyah 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 Nelmi Sari 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 HAMIDAH Nuraini Nuraini Nurbaiti Nurbaiti Nurbaiti Nurfuadi, Wika Nurhabibi, Elsa Nurhayati 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 Panca Syahputra Pane, Muhammad Rivaldi Pasaribu, Rifdah Atika Pebriansyah Siregar permatasari, putri dwi Prameswari, Ardhia Pratama, M. Luthfi Arif Prianti, Dela Primastuty, Pinny Priyani , Annisa Priyanti, Vivi Pulungan, Rahmat Rizki Purnama Ramadani Silalahi Purnama, Eftry Ade Puspa, Chairunnisa Dian PUSPITA, DARA Puspita, Mutia Dila Putra, Randy Tama Putri Adila Putri Anggraini Putri Chairunnisa Pane Putri Fajariah Sabda 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 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 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 Risma Haryani Siregar Ritonga, Afiq Yasfa Assaumi Rizkinta Amelia Batubara Rizky Karina Syahputra Sagala Rizky, Indah Mutiara Roida Purba Ruliana Ruliana, Ruliana Sabila, Wan Shalah Sabrina Faraditha Sabrina, Zafira Safitri Winarsih Sahfitri, Nurmaya Dewi Sakinah, Layla Nurul 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 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, Suci Afria Sasty Sisca Amini Cahya Agitsna Agitsna Siti Aisyah Siti Amrina Hasibuan Siti Julia Siti Rahma Sibuea Sitorus, Eva Afrilisa Sitorus, Sry Rahayu Ningsih Situmorang, Marisa Situmorang, Nurul Utami Sri Ramadhani Sri Ramadhani sri sudiarti Sri Sudiarti sri sudiarti 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, Siti Alfaini Tambunan, Khairina Tanjung, Miftahul Jannah Tari Rizkya Fona Tasya Fadilah Taufiq Kamil Batubara Tira Syahira Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tria Annisa Try Wahyuni Mawatdah Tumanggor, Siti Rahmah Tuti Anggraini Tuti Anggraini Ubay, Fadhila Audi Utama, Septia Sakinah Rizki Vania Khairunisa lubis Wa Ode Jeslin Wahyu Destriyansah Wahyudi, Rizky Widya Rizky Amelia Willia Wahyuni Winata, Reihan Arya Winda Irmayani Sijabat Windy Puspita Yasirwan Yati, Fenni Windi Yeni Aprilina Pulungan Yola Aprilia Sibagariang yuda pratama Yulia Wati Yulita Astri Yulpida Sari Lubis Yuniar Pangesti Yusrizal Yusrizal Yusrizal Yusuf Yusuf Zahir Muhammad Fadhilah Harahap Zainarti Zainarti Zainarti Zamzami Akromi Lubis Zuhrinal M. Nawawi Zulfa Khoiriah Zulfina Ramadhani Siregar Zulhasby Assidqy Nasution ‘Izzi, Amalul