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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Ilmiah Universitas Batanghari Jambi Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business Scientific Journal of Reflection : Economic, Accounting, Management and Business JURNAL PENGABDIAN KEPADA MASYARAKAT Martabe : Jurnal Pengabdian Kepada Masyarakat Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Idaarah: Jurnal Manajemen Pendidikan Jurnal REP (Riset Ekonomi Pembangunan) Jurnal Mantik Jurnal Manajemen Journal of Research in Business, Economics, and Education International Journal of Economics Development Research (IJEDR) Community Engagement and Emergence Journal (CEEJ) Management Studies and Entrepreneurship Journal (MSEJ) Jurnal Ilmiah Manajemen Kesatuan Jurnal Ilmu Manajemen Profitability GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Jurnal Scientia Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences International Journal Of Science, Technology & Management (IJSTM) SCIENCE : Jurnal Inovasi Pendidikan Matematika dan IPA Jurnal Ekonomi Akuntansi Prima Jurnal Ipteks Terapan : research of applied science and education International Journal of Economics, Social Science, Entrepreneurship and Technology (IJESET) Wahana QISTINA: Jurnal Multidisiplin Indonesia Journal Liaison Academia and Society International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) JURNAL ILMIAH SOCIO SECRETUM Jurnal Ekonomi, Akuntasi dan Manajemen Indonesia(JEAMI) Journal of Business Integration Competitive Journal of Finance Integration and Business Independence
Rafida Khairani
Universitas Prima Indonesia
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DOES FINTECH LENDING DRIVE MSME GROWTH? EVIDENCE FROM BANKING MEDIATION Jesslyn Anggara; Rafida Khairani; Nasib
International Journal of Accounting, Management, Economics and Social Sciences (IJAMESC) Vol. 4 No. 2 (2026): April
Publisher : ZILLZELL MEDIA PRIMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61990/ijamesc.v4i2.757

Abstract

This study aims to examine the effect of fintech lending on the growth of Micro, Small, and Medium Enterprises (MSMEs) in Indonesia, with a particular focus on the mediating role of the banking industry. MSMEs play a crucial role in the Indonesian economy by contributing significantly to gross domestic product and employment; however, limited access to formal financing remains a major constraint to their development. In this context, fintech lending has emerged as an alternative financing mechanism that offers faster, more flexible, and more accessible funding compared to traditional banking services. This study employs a quantitative approach using secondary data obtained from the Financial Services Authority (OJK), the Central Statistics Agency (BPS), and Data Indonesia, covering the period from January 2022 to December 2025, with a total of 48 observations. The data were analyzed using regression analysis and mediation testing with SPSS. The results indicate that fintech lending has a positive and significant effect on MSME growth. In addition, fintech lending also significantly influences the banking industry. Furthermore, the banking industry has a significant positive effect on MSME growth and fully mediates the relationship between fintech lending and MSME growth. These findings suggest that fintech lending and banking institutions operate in a complementary manner, where banking plays a crucial intermediary role in channeling the impact of fintech into MSME development. Overall, this study provides important insights for policymakers, financial institutions, and fintech developers in strengthening an inclusive and sustainable digital financial ecosystem to support MSME growth in Indonesia.
Pengaruh Digital Financial Literacy Dan Financial Technology Terhadap Sustainable Economic UMKM Di Kecamatan Medan Sunggal Dengan Kepercayaan Terhadap Fintech Sebagai Variabel Mediasi Mhd Nazriel Ilham Effendy; Rafida Khairani; Okta Rosalinda Lumban Tobing; Sarah Salsabilah; Debbi Chyntia Ovami
Community Engagement and Emergence Journal (CEEJ) Vol. 7 No. 4 (2026): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v7i4.11060

Abstract

Pesatnya perkembangan teknologi digital telah mendorong perubahan signifikan dalam kegiatan ekonomi, termasuk pada sektor UMKM, dengan membuka peluang baru melalui pemanfaatan media sosial, e-commerce, serta layanan keuangan digital guna meningkatkan daya saing dan keberlanjutan usaha. Namun demikian, tidak seluruh UMKM mampu beradaptasi secara optimal terhadap perkembangan tersebut karena masih terbatasnya literasi digital, akses terhadap teknologi, serta rendahnya tingkat kepercayaan terhadap layanan fintech. Kondisi ini menimbulkan kesenjangan kemampuan antar pelaku usaha dan berpotensi menghambat keberlanjutan ekonomi UMKM. Walaupun tingkat adopsi fintech secara nasional terus menunjukkan peningkatan, masih banyak UMKM yang mengalami kesulitan dalam memanfaatkan layanan keuangan digital. Hambatan tersebut disebabkan oleh rendahnya pemahaman, kendala teknis, serta kekhawatiran terhadap aspek keamanan, sehingga peluang peningkatan efisiensi, akses pembiayaan, dan pertumbuhan usaha belum dapat dimanfaatkan secara maksimal. Populasi dalam penelitian ini mencakup seluruh UMKM di Kecamatan Medan Sunggal yang terdaftar pada Badan Pusat Statistik tahun 2023, dengan jumlah sebanyak 3.324 UMKM. Penentuan jumlah sampel dilakukan menggunakan rumus Slovin dengan tingkat kepercayaan sebesar 90% dan margin of error sebesar 10%, sehingga diperoleh sampel sebanyak 97 UMKM. Teknik pengambilan sampel yang diterapkan adalah simple random sampling, yaitu pemilihan responden secara acak dari populasi penelitian. Hasil penelitian menunjukkan bahwa literasi keuangan digital dan teknologi keuangan berpengaruh signifikan terhadap kepercayaan fintech dan keberlanjutan ekonomi UMKM di Kecamatan Medan Sunggal, baik secara langsung maupun melalui peran mediasi kepercayaan fintech. Kepercayaan terhadap fintech terbukti menjadi faktor kunci yang memperkuat pengaruh literasi keuangan digital dan pemanfaatan teknologi keuangan terhadap keberlanjutan ekonomi UMKM. Temuan penelitian ini diharapkan dapat memberikan kontribusi akademik, meningkatkan pemahaman serta kepercayaan pelaku UMKM terhadap fintech, serta menjadi bahan pertimbangan bagi pemerintah dan pemangku kepentingan dalam merancang kebijakan dan program pendukung, sekaligus menjadi referensi bagi penelitian selanjutnya.
The Influence of the Implementation of Simple Accounting and Financial Literacy on Increasing the Income of MSMEs in East Medan Berupilihen Br Ginting; Tyus Windi Ayuni; Adi Harianto; Amin Hou; Rafida Khairani
Jurnal Ekonomi, Akuntasi dan manajemen Indonesia (JEAMI) Vol. 4 No. 02 (2026): Jurnal Ekonomi, Akuntasi dan Manajemen Indonesia (JEAMI) 2026
Publisher : SEAN Institute

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

Abstract

This study seeks to analyze the influence of simple accounting practices and financial literacy on the income growth performance of micro, small, and medium enterprises (MSMEs) in Medan Timur. Simple accounting is operationalized through key indicators, including systematic record-keeping, preparation of financial reports, and consistency in bookkeeping practices. Financial literacy is assessed based on the level of understanding of fundamental financial concepts, financial planning capabilities, and the ability to make informed financial decisions in business contexts. Meanwhile, income growth performance is measured using indicators such as increased sales, profit growth, and overall financial stability. The study adopts a quantitative research design, employing a survey method as the primary data collection technique. A total of 75 MSME actors in Medan Timur were selected as respondents using purposive sampling. Data were gathered through structured questionnaires specifically developed to measure the research variables. The collected data were subsequently analyzed using multiple linear regression to evaluate the magnitude and significance of the relationships between variables. The findings reveal that both the implementation of simple accounting and financial literacy exert a positive and statistically significant effect on MSME income growth. Accurate and consistent financial recording enables business owners to better monitor and control their financial performance, while a higher level of financial literacy enhances their capacity to make strategic and effective financial decisions. These results underscore the importance of strengthening basic accounting practices and improving financial knowledge as key drivers for sustainable income growth and long-term business development among MSMEs in Medan Timur.
Pengaruh Kinerja Keuangan Dan Manajemen Laba Terhadap Nilai Perusahaan (Studi Kasus Pada Perusahaan Subsektor Food And Beverage Yang Terdaftar Di Bursa Efek Indonesia Periode Tahun 2021- 2023) Sarifin Laia; Rafida Khairani; Putri Yohana Sinaga; Sinta Anna Magdalena Sinaga; Dwita Sakuntala
Community Engagement and Emergence Journal (CEEJ) Vol. 5 No. 4 (2024): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v6i1.8238

Abstract

Tujuan berdirinya perusahaan untuk mengembangkan nilai perusahaan sehingga dapat memberikan kesejahteraan bagi investor. Faktor yang mempengaruhi nilai perusahaan adalah kinerja keuangan dan manajemen laba. Penelitian ini bertujuan untuk memperoleh bukti empiris tentang Pengaruh Kinerja Keuangan Dan Manajemen Laba Terhadap Nilai Perusahaan (Studi Kasus Pada Perusahaan Sub Sektor Food And Beverage Yang Terdaftar di Bursa Efek Indonesia Periode Tahun 2021-2023). Metode yang digunakan dalam penelitian ini adalah metode kuantitatif. Data yang digunakan dalam penelitian ini adalah data sekunder. Teknik yang digunakan dalam pengambilan sampel yaitu Purposive Sampling. Populasipeneliti sebanyak 180 perusahaan dan sampel sebanyak 60 perusahaan. Untuk mengetahui besarnya pengaruh kinerja keuangan dan manajemen laba maka dilakukan uji regresi, analisis korelasi uji T dan uji F dan analisis koefisien determinasi dengan bantuan program IBM SPSS 26. Hasil penelitian ini menunjukkan bahwa variabel kinerja keuangan tidak berpengaruh secara signifikan terhadap nilai perusahaan. Sedangkan variabel manajemen laba berpengaruh secara signifikan terhadap nilai perusahaan
Pengaruh Financial Literacy Dan Financial Technology Terhadap Sustainability UMKM Di Medan Petisah Methodist Putra Jaya Ndruru; Rafida Khairani; Jekson Simatupang; Maya Andriani
Community Engagement and Emergence Journal (CEEJ) Vol. 5 No. 5 (2024): Community Engagement & Emergence Journal (CEEJ)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ceej.v6i2.8529

Abstract

Penelitian ini bertujuan untuk mengkaji pengaruh literasi keuangan dan teknologi keuangan terhadap keberlanjutan usaha mikro, kecil, dan menengah (UMKM) di wilayah Medan Petisah. Dengan menggunakan pendekatan kuantitatif, penelitian ini melibatkan 89 UMKM sebagai sampel, di mana 30 diantaranya dipilih secara acak (simple random sampling) untuk pengujian kualitas instrumen penelitian. Pengumpulan data dilakukan melalui kuesioner berbasis Google Form, yang kemudian dianalisis menggunakan software SPSS versi 21. Hasil analisis menunjukkan bahwa literasi keuangan memberikan pengaruh positif dan signifikan terhadap keberlanjutan UMKM. Demikian pula, teknologi keuangan terbukti memiliki dampak positif dan signifikan dalam mendukung keberlanjutan usaha. Temuan ini menguatkan pentingnya penguasaan kompetensi keuangan dan pemanfaatan teknologi finansial bagi pelaku UMKM guna meningkatkan daya saing dan kelangsungan bisnis mereka
Improving Financial Literacy and Economic Performance of Farmer Groups through the Adoption of Sorghum Processing Technology in Pekan Tanjung Beringin Village Rafida Khairani; Khasrad; Herlin Munthe; Purnama Yanti Purba; Armansyah; Rusdimansyah
GANDRUNG: Jurnal Pengabdian Kepada Masyarakat Vol. 7 No. 2 (2026): GANDRUNG: Jurnal Pengabdian Kepada Masyarakat
Publisher : Fakultas Olahraga dan Kesehatan, Universitas PGRI Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36526/gandrung.v7i2.8191

Abstract

This community service activity aims to improve the financial literacy and economic performance of farmer groups through the adoption of sorghum processing technology in Pekan Tanjung Beringin Village, Serdang Bedagai Regency. This program is motivated by the low understanding of farmer groups related to business management, agricultural product processing, digital marketing, and the use of appropriate technology in supporting the increase in productivity and income of village communities. The implementation method is carried out through a community empowerment approach based on workshops, training, mentoring, and technology transfer. Activities include training in sorghum cultivation and processing, financial literacy, digital marketing, and the provision of sorghum processing technology such as soil tillage tools, threshers, flouring tools, and sorghum waste processing tools. This activity was also accompanied by experts from Andalas University and involved students as an implementation of the Independent Learning Independent Campus (MBKM) program. The results of the activity showed an increase in the understanding and skills of farmer groups in sorghum processing, the use of appropriate technology, business management, and the marketing of digital-based products. This program is expected to be able to increase productivity, add value of agricultural products, and strengthen the economic independence of village communities in a sustainable manner.
A Performance Model for MSMEs Based on Access to Financing and Its Impact on Community Welfare in Deli Serdang Regency Tyus Windi Ayuni; Rafida Khairani; Debora Tambunan; Mega Sanjaya; Darwan Tanady
Journal of Business Integration Competitive Vol. 2 No. 2 (2026): Journal of Business Integration Competitive
Publisher : Yayasan Bina Bisnis Nusantara Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.64276/jobic.v2i2.83

Abstract

This study aims to analyze the effect of access to financing on community welfare, with the performance of Micro, Small, and Medium Enterprises (MSMEs) serving as a mediating variable in Deli Serdang Regency. This study employs an explanatory research approach. The sample consists of 93 MSMEs in Deli Serdang Regency. A quantitative approach is applied using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS). Data were collected through the distribution of questionnaires to MSME operators as research respondents. The results indicate that access to financing has a positive and significant effect on MSME performance. Furthermore, MSME performance also has a positive and significant effect on community welfare. In addition, access to financing also has a direct positive and significant effect on community welfare. The results of the mediation test indicate that MSME performance mediates the relationship between access to financing and community welfare. These findings suggest that improved access to financing, accompanied by enhanced MSME performance, can make a significant contribution to increasing community welfare. Therefore, the government and financial institutions need to play an active role in expanding access to financing and improving MSME capacity in order to enhance business performance and community welfare in a sustainable manner.
Unlocking the Potential of Financial Inclusion, E-Commerce, and FinTech to Boost SME Performance Rafida Khairani; Eric Aditya Tantono; Rich Anderson; Herlin Munthe; Purnama Yanti Purba
Jurnal Ilmiah Manajemen Kesatuan Vol. 13 No. 5 (2025): JIMKES Edisi September 2025
Publisher : LPPM Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jimkes.v13i5.3786

Abstract

Micro, small, and medium enterprises in Tanjung Morawa, a semi-urban area in Deli Serdang Regency, North Sumatra, face challenges such as limited access to capital, low digital adoption, and declining sales, yet they play a vital role in the local economy. This study aims to examine the influence of financial inclusion, electronic commerce, and financial technology on the performance of these enterprises. A quantitative approach was employed, using multiple linear regression to analyze data collected from 393 respondents through questionnaires. The findings reveal that financial inclusion significantly enhances capital management, electronic commerce expands market reach, and financial technology improves transactional efficiency, collectively explaining 70.1 percent of the variation in enterprise performance. Financial technology demonstrates the strongest impact, followed by financial inclusion, while electronic commerce shows a moderate effect, reflecting local challenges like limited digital literacy. The study concludes that integrating these factors can substantially boost the competitiveness and sustainability of micro, small, and medium enterprises in semi-urban settings. These results highlight the need for targeted strategies to enhance financial access and digital adoption, fostering economic resilience in regions like Tanjung Morawa.
When Digital Finance Is Not Enough: Digital Capability and MSME Business Resilience Rafida Khairani; Herlin Munthe; Sabaruddin Chaniago; Cici Handayani
Journal of Finance Integration and Business Independence Vol. 2 No. 1 (2026): Journal of Finance Integration and Business Independence
Publisher : YAYASAN BINA BISNIS NUSANTARA MEDAN

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

Abstract

This study examines the impact of accounting knowledge and taxpayer attitudes on tax compliance among Small and Medium Enterprises (SMEs) in North Medan. Using a quantitative approach, data were collected through surveys distributed to SME owners and managers who are directly involved in financial decision-making. The study found that both accounting knowledge and positive taxpayer attitudes significantly influence tax compliance. Accounting knowledge enables business owners to understand tax obligations and manage financial records accurately, leading to improved compliance. Meanwhile, taxpayer attitudes, such as the perception of fairness and trust in the tax system, also play a crucial role in determining the level of compliance. The results suggest that enhancing accounting education and fostering positive attitudes toward taxation could improve tax compliance in the SME sector. This research provides valuable insights for policymakers and tax authorities aiming to promote compliance through targeted educational programs and awareness campaigns.
Edukasi Fintech untuk UMKM UP2K PKK Tanjung Morawa Berbasis Perilaku Konsumen Cashless Esther Praja Anggriany Panggabean; Rafida Khairani; Mas Intan Purba; Jholant Bringg Luck Amelia Br Sinaga; Tantri Octora Dwi Syah Putri; Isna Asdiani Nasution; Nurul Wardani Lubis
Wahana Jurnal Pengabdian kepada Masyarakat Vol. 4 No. 2 (2025): Edisi Desember
Publisher : Ilmu Bersama Center

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56211/wahana.v4i2.1553

Abstract

Transformasi digital mendorong pergeseran transaksi dari berbasis tunai menuju nontunai, namun tingkat literasi keuangan digital pelaku UMKM khususnya kelompok UP2K PKK masih rendah. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan pemahaman pelaku UMKM Binaan UP2K PKK di Kecamatan Tanjung Morawa tentang perilaku konsumen tanpa uang tunai dan keterampilan pemanfaatan teknologi finansial untuk meningkatkan daya saing usaha. Metode yang digunakan adalah pelatihan dengan demonstrasi dan pendampingan praktik langsung kepada 20 peserta pelaku UMKM, meliputi edukasi perilaku konsumen digital, fotografi produk, pembuatan akun WhatsApp Business, pembuatan konten, serta pendaftaran dompet elektronik dan QRIS. Hasil kegiatan menunjukkan peningkatan pemahaman perilaku konsumen digital sebesar 52%, keberhasilan 90% peserta membuat konten visual berkualitas, 85% peserta mengaktifkan WhatsApp Business, dan 100% peserta mendaftar dompet elektronik DANA serta 75% peserta mendaftar QRIS. Tingkat kepuasan mencapai 85% dengan kategori sangat puas. Pendekatan yang mengintegrasikan pemahaman perilaku konsumen sebagai basis pembelajaran terbukti efektif mengubah perspektif peserta dan mendorong adopsi teknologi finansial secara berkelanjutan untuk meningkatkan efisiensi operasional dan daya saing UMKM di era ekonomi digital.
Co-Authors Adi Harianto Agita Karina Br Ginting Agung, Leonardi Prasetyo Ahmad Rivai Alvin Krisdian Amin Hou Amir, Afriza Andrian Andrian Andry Lunoto Angelia Baosiska Br. Silaban Anggita Putri Anita Armansyah Armansyah Armansyah Armansyah Artedjo, Dennis Bernice Erin Br Ginting, Berupilihen Bryan Berlin Butarbutar, Ribka Sari Celsi ApriWenny Siregar Charolina Charolina Chorin Tandean Cici Handayani, Cici Darwan Tanady Dasar Iman Lahagu Debora Tambunan Dhea Cristina Damanik Dhevin Ghoward Dhita Adriani Rangkuti Diny Rahmah Putri Dwita Sakuntala Dwiyanda, Fadhilla Effendy, Mhd Nazriel Ilham Eric Aditya Tantono Erica Mentari Br Purba Esmeralda Esmeralda Esther Praja Anggriany Panggabean Esther Praja Anggriany Panggabean Fali, Ibrahim Mallam Fati Syafira Fati Syafira Febertina Gea Febry Rizky Al Fadilla Sitompul Ferry Fong Franklein Franklein Ghoward, Dhevin Ginting, Kristi Endah Ndilosa Grace Theresia Silaban Haposan Joshua Hasibuan Harahap, Rahmat Alamsyah Harto Miharjo Simanullang Helena Louise Panggabean Herlin Munthe Herlin Munthe Herti Kristiyani Silalahi Iis Siti Jahro Ika Irawati Karolina Irvan Renata Isna Asdiani Nasution Isna Asdiani Nasution Jarunjung Hutagaol Jason Mulia Jekson Simatupang Jekson Simatupang Jenifen Jerico Prince Wijaya Jerry Adrian Caspari Ginting Jesslyn Anggara Jholant Bringg Luck Amelia Br Sinaga Juanda Situmorang Juniarta Rajagukguk Kelvin Kenji Lau Kevin Stephan Khana Saputri Khasrad . Khasrad, Khasrad Kiki Hardiansyah Siregar Kiki Hardiansyah Siregar Kristi Endah Ndolisa Ginting Kristianus Buulolo Kristina Peritua Aruan Kurniawan, Cindy Laia, Sarifin Laidy, Yenny Lorensisca Sitorus Lorensisca Sitorus Mas Intan Purba Mas Intan Purba Masnika Sinaga Masnika Sinaga MAYA ANDRIANI Maya Andriani Mega Sanjaya Mesra Juliana Methodist Putra Jaya Ndruru Mhd Nazriel Ilham Effendy Michael Simanjuntak Monarisa Ritiani Br Ginting Muhammad Fikri Haikal Nana Gustia Nasib Nasution, Isna Asdiani Ndruru, Methodist Putra Jaya Nelva Meyriani Nico Nico Nikita, Ade Rani Noviyanti Wijaya Nurul Wardani Lubis Nurul Wardani Lubis Okta Rosalinda Lumban Tobing Olyvia Hutasoit Ovami, Debbi Chyntia Pospos, Ade Fadillah FW Purba, Purnama Yanti Purnama Yanti Purba Purnama Yanti Purba Purnama Yanti Purba Putri Rizkia, Putri Putri Yohana Sinaga Putri, Tantri Octora Dwi Syah Rahmat Alamsyah Harahap Ribka Hartati Hutabalian Ribka Sari Butarbutar Rich Anderson Robin Robin Ronalda, Willie Roryn Chelsi Gea Roryn Chelsi Gea Rudiyanto Rudiyanto Rudiyanto Rusdimansyah Sabaruddin Chaniago Said, Fahrezi Hasyim Salsabilah, Sarah Sarah Salsabilah Sarifin Laia Shela Shindu Bayrewi Sinaga, Jholant Bringg Luck Amelia Br Sinaga, Putri Yohana Sinaga, Sinta Anna Magdalena Sindy Sinta Anna Magdalena Sinaga Siregar, Ina Namora Putri Siti Ramadhani Sonia Angela Hutabarat Spanic, Vincent Srihot Laila Steven Steven W Susi Hannaria Manalu Syafira, Eka Ananda Syawitri Wulandari Tantri Octora Dwi Syah Putri Tantri Octora Dwi Syah Putri Tanujaya, Jessicha Teresia Sihombing Teresia Sri Arihta Tiffany Tanady Tiolina Fernanda Ujung Tobing, Okta Rosalinda Lumban Tyus Windi Ayuni Tyus Windi Ayuni Velicia Velicia Venna Melinda Veronika Veronika Vian, Vian Vivian Ayu Wijaya Widy Hastuty HS Wijaya, Noviyanti Winnie Yanti Purba, Purnama Yeni Ariesa Yenny Laidy Yoseph Setiawan Zai Yovie Ernanda Yuli Rama Dewi Zulia Rifda Daulay