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All Journal Jurnal Manajemen Terapan dan Keuangan JSEH (Jurnal Sosial Ekonomi dan Humaniora) Jurnal Intelektualita: Keislaman, Sosial, dan Sains Intizar EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Studia Economica: Jurnal Ekonomi Islam Edueksos : Jurnal Pendidikan Sosial & Ekonomi Al Ishlah Jurnal Pendidikan Journal of Economic, Bussines and Accounting (COSTING) Ganaya: Jurnal Ilmu Sosial dan Humaniora Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Journal of Humanities and Social Studies Jurnal Maksipreneur: Manajemen, Koperasi, dan Entrepreneurship JASa (Jurnal Akuntansi, Audit dan Sistem Informasi Akuntansi) JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Jurnal EDUCATIO: Jurnal Pendidikan Indonesia Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Jurnal Review Pendidikan dan Pengajaran (JRPP) Jurnal Edueco Value: Jurnal Manajemen dan Akuntansi SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Journal of Management and Business Innovations Jurnal Ilmiah Edunomika (JIE) Keberlanjutan : Jurnal Manajemen dan Jurnal Akuntansi Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business Amalee: Indonesian Journal of Community Research & Engagement Ilomata International Journal of Management Management Studies and Entrepreneurship Journal (MSEJ) Community Development Journal: Jurnal Pengabdian Masyarakat JMK Jurnal Manajemen dan Kewirausahaan Academia Open Ilomata International Journal of Management Quantitative Economics and Management Studies Journal La Sociale Journal La Lifesci Ilomata International Journal of Social Science Multidiciplinary Output Research for Actual and International Issue (Morfai Journal) INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Indonesian Journal of Innovation Studies Jurnal Minfo Polgan (JMP) Center of Knowledge Islamiconomic: Jurnal Ekonomi Islam Jurnal Ilmiah Mahasiswa Raushan Fikr el-Amwal Journal of Mathematics Instruction, Social Research and Opinion J-EBI Jurnal Ekonomi dan Bisnis Islam Journal of Islamic Economics Lariba Journal of Management and Administration Provision International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Journal of Social Commerce Eduvest - Journal of Universal Studies Moneter : Jurnal Keuangan dan Perbankan Madani: Multidisciplinary Scientific Journal Economics, Business, Accounting & Society Review Amkop Management Accounting Review (AMAR) Manajemen Kreatif Jurnal Journal of Economics and Management Scienties Journal of Management, Economic, and Accounting Jurnal Akuntansi dan Keuangan Islam (JAKIs) VISA: Journal of Vision and Ideas Mimbar Administrasi Journal of Social Work and Science Education Jurnal Akuntansi Hukum dan Edukasi Journal of Education Transportation and Business Proceeding International Conference on Islamic Economics Community Services Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Journal of Business Inflation Management and Accounting
Aqwa Naser Daulay
Universitas Islam Negeri Sumatera Utara
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Medicine & Pharmacology Neuroscience Physics Public Health Social Sciences Transportation Other

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The Influence of Workload and Work Environment on Work Stress with Incentives as a Moderating Variable Lazuardi, Bayu; Lubis, Fauzi Arif; Daulay, Aqwa Naser
Journal of Social Work and Science Education Vol. 6 No. 3 (2025): Journal of Social Work and Science Education
Publisher : Yayasan Sembilan Pemuda Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52690/jswse.v6i3.1298

Abstract

This study analyzed the influence of workload and work environment on work stress with incentives as a moderating variable among employees of Bakso Bagito in Serbelawan City. This study uses a quantitative approach with an explanatory design and saturated sampling technique on the entire population of 38 employees. Data were collected through questionnaires using a Likert scale and analyzed using the Partial Least Squares Structural Equation Modeling (PLS-SEM) method. The research results show that workload has a positive and significant effect on work stress, while the work environment has a negative but not significant effect. Incentives have been proven to moderate the relationship between workload and work stress, but in a positive direction, thus reinforcing the effect of workload on stress. The Adjusted R-Square value of 0.874 indicates that the independent variables are able to explain the variability of work stress substantially. These findings affirm that workload is a dominant factor affecting work stress, while the role of incentives is complex as they can increase psychological pressure if target-based.
ANALISIS TATA KELOLA KEUANGAN KANTOR DUKCAPIL KOTA BINJAI BERDASARKAN PERSPEKTIF GOOD GOVERNANCE Ananti, Aurensia; Harmain, Hendra; Daulay, Aqwa Naser
Jurnal Manajemen Terapan dan Keuangan Vol. 14 No. 03 (2025): Jurnal Manajemen Terapan dan Keuangan
Publisher : Program Studi Manajemen Pemerintahan dan Keuangan Daerah Fakultas Ekonomi dan Bisnis Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/jmk.v14i03.48197

Abstract

Penelitian ini bertujuan untuk menganalisis tata kelola keuangan pada Kantor Dinas Kependudukan dan Pencatatan Sipil (Dukcapil) Kota Binjai berdasarkan perspektif good governance. Fokus penelitian diarahkan pada penerapan prinsip transparansi, akuntabilitas, responsivitas, efektivitas, dan efisiensi dalam pengelolaan anggaran daerah. Metode penelitian yang digunakan adalah deskriptif kualitatif dengan teknik pengumpulan data melalui studi dokumentasi, wawancara, dan observasi. Hasil penelitian menunjukkan bahwa secara umum tata kelola keuangan di Kantor Dukcapil Kota Binjai telah berjalan dengan baik, dibuktikan dengan penerapan aplikasi SIPD, kepatuhan pada standar akuntansi pemerintahan, serta opini WTP yang diberikan BPK terhadap laporan keuangan Pemerintah Kota Binjai. Namun, aspek transparansi masih perlu ditingkatkan karena informasi laporan keuangan spesifik Dukcapil belum tersedia secara terbuka di website resmi. Efisiensi anggaran juga masih menghadapi kendala pada realisasi yang melebihi target di tahun tertentu. Secara keseluruhan, tata kelola keuangan Dukcapil dapat dikategorikan baik dan sesuai dengan prinsip good governance, meskipun tetap diperlukan perbaikan di bidang transparansi dan efisiensi
Assisting Salted Fish Entrepreneurs in Managing Raw Material Costs, Inventory, and Competitive Strategy to Increase Income in Bagan Arya Village Saputri, Aulia Habibi; Imsar, Imsar; Daulay, Aqwa Naser
Amalee: Indonesian Journal of Community Research and Engagement Vol. 6 No. 1 (2025): Amalee: Indonesian Journal of Community Research and Engagement
Publisher : LP2M INSURI Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/amalee.v6i1.5458

Abstract

In Indonesia, the growth of Small and Medium Enterprises (SMEs) is driven by high revenues. The background of this study is based on the declining revenue among salted fish entrepreneurs due to fluctuations in raw material costs, unstable raw material availability, and intense competition in the local market. This study aims to analyze the effect of raw material costs, raw material inventory, and the level of competition on the income of salted fish entrepreneurs in Bagan Arya Village. This study uses a quantitative approach with a survey method through interviews involving 30 salted fish entrepreneurs as a sample. Panel data is used because it is able to capture changes and relationships between variables more accurately over a five-year observation period. Data were analyzed using Structural Equation Modeling (SEM) based on Partial Least Squares (PLS) with the SmartPLS 4.0 application. The research findings revealed that raw material costs and raw material inventory have a positive and significant effect, while competition has a negative and significant effect on revenue. The R-squared value of 0.745 indicates that raw material costs, raw material inventory, and competition simultaneously explain 74.5% of revenue. These results highlight the importance of cost and inventory management strategies, as well as innovation in the face of competition, to increase the income of local entrepreneurs in the salted fish processing sector.
The Influence of Student Interest in Stock Investment in the Banking Sector: A Case Study at KSPMS Golden UIN Sumatera Utara Hani, Hani Widari; Daulay, Aqwa Naser; Rahmani, Nur Ahmadi Bi
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2645

Abstract

This study aims to analyze the influence of financial literacy, risk perception, and minimum capital on students’ interest in investing in banking sector stocks. The research subjects are students and members of the Sharia Capital Market Study Group (KSPMS) Golden at the State Islamic University of North Sumatra. The research employed a quantitative associative approach with purposive sampling technique, involving 100 respondents. Data were analyzed using multiple linear regression with the assistance of SPSS version 30. The results show that financial literacy and minimum capital have a positive and significant effect on students' investment interest. In contrast, risk perception does not significantly affect investment interest. These findings indicate that increasing financial understanding and providing affordable capital can encourage more active student participation in stock investment, particularly in the banking sector. Therefore, the role of communities like KSPMS is crucial in educating and guiding students to become more knowledgeable and confident investors.
Analysis of Islamic Bank Involvement in Supporting Local Brand of MSME Category in Medan to Welcome the Demographic Bonus Era Makarim, Naylatussalwa; Harahap, Rahmat Daim; Daulay, Aqwa Naser
Amkop Management Accounting Review (AMAR) Vol. 5 No. 2 (2025): July - December
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i2.3114

Abstract

This study analyzes the involvement of Islamic banks in supporting the brand development of local MSMEs in Medan City during the demographic bonus era. Using a descriptive qualitative approach and content analysis, this study utilized primary data from semi-structured interviews with three Islamic banks (Bank Muamalat, Bank Syariah Indonesia, and BTPN Syariah) and secondary data from reports, media documentation, and academic publications.Findings show variations in bank engagement. The research results from the comparison of these three Islamic banks using the content analysis method, found that Bank Syariah Indonesia (BSI) showed the highest engagement of the other two banks, amounting to (46.12%) through comprehensive strategies, including UMKM Center, halal certification, expansion of digital transactions, and access to global markets. BTPN Syariah followed with (39.16%), distinguished by its focus on empowering low-income women through PRS and collateral-free financing to strengthen financial literacy and self-reliance of rural women. Bank Muamalat recorded the lowest engagement (14.72%), with an emphasis on community-based social programs such as Gerobak Usaha and Food Court Berdaya, which foster local economic solidarity. The study concludes that the three Islamic banks' support for MSMEs goes beyond financing and reflects their distinctive institutional strategies. BSI takes the lead in modernization and market expansion, BTPN Syariah highlights women empowerment, while Bank Muamalat contributes through grassroots community initiatives. Synergies between these approaches are critical to building a layered, competitive and sustainable MSME ecosystem.
Analysis of Cassava Noodle Business Development Strategy Using Porter's Five Force Approach in Serdang Bedagai Regency Lestari Hulu, Rita Dwi; Daulay, Aqwa Naser; Atika, Atika
Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Volume 11, Issue 2, 2024
Publisher : Pendidikan Administrasi Perkantoran, Universitas Negeri Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.71309/administrare.v11i2.6284

Abstract

The development of micro, small and medium enterprises (MSMEs) in Indonesia shows a positive trend and has a significant contribution to the national economy. This study aims to analyze the development strategy of cassava sliced noodle business using porter's five force analysis. The research method used is qualitative descriptive with data collection techniques, namely observation, interviews and documentation. The informants in this study were five people, namely three sliced noodle entrepreneurs, one supplier of raw materials in the form of cassava, and one customer in Pegajahan Village, Pegajahan District, Serdang Regency. Meanwhile, the data analysis techniques used were data reduction, data presentation, and drawing conclusions. The results of the study from the analysis of Porter's five forces show that the threat of entrants has high potential because of small capital, easy to imitate and raw materials that are easy to obtain, high buyer power because they already have buyer outlets or regular customers who buy, namely breakfast sales and also shops spread throughout Indonesia, high supplier power because they rely on only one supplier where the price is uncertain and also the quality of raw materials is uncertain, the threat of substitute products is high because it is easy to get substitute products, also products that are not widely known to the public and the threat of low competitor competition because their place does not need to market and only sells to one agent, as well as other competitors and there is no difference in the raw materials used, no advantages in the product and also relatively the same price. This study uses a qualitative method using observation techniques and also direct interviews with business owners as sources of information that are processed into data.
Menghidupi Kesalehan di Panggung Global: Personal Branding, Narasi Kultural, dan Pembentukan Reputasi Dian Pelangi dalam Industri Mode Muslim Yunus, Hesty Ananta; Nasution, Yenni Samri Juliati; Daulay, Aqwa Naser
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 2 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i2.15221

Abstract

This study examines how Dian Pelangi, a prominent Indonesian modest fashion designer, develops her global brand in the Muslim fashion industry. Using qualitative content analysis of social media and digital publications within the STP framework (Segmentation, Targeting, Positioning), the research shows that she targets digitally literate Muslim women aged 18 to 40 and middle to upper class Muslims, expanding her reach to the global diaspora through collaborations with international designers and institutions. She positions herself as a pioneer of Indonesian modest fashion by integrating religious values, global trends, and local heritage such as batik and tenun. Her reputation is strengthened through participation in international events including New York Fashion Week, Istanbul Modest Fashion Week, and recognition in Forbes 30 Under 30 Asia. Digital analysis indicates that her New York Fashion Week content generated the highest engagement with 51600 views and 497 comments, highlighting the importance of global visibility.
Analisis Prosedur Penanganan Klaim Asuransi pada PT Jaminan Pembiayaan Askrindo Syariah Cabang Medan Nugraha, Muhammad Bima; Daulay, Aqwa Naser
Journal of Business Inflation Management and Accounting Vol 2, No 1 (2025): Januari 2025
Publisher : CV. Rayyan Dwi Bharata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57235/bima.v2i1.4505

Abstract

Artikel ini bertujuan untuk menganalisis prosedur penanganan klaim asuransi pada PT Jaminan Pembiayaan Askrindo Syariah Cabang Medan. Penelitian ini menggunakan metode deskriptif dengan pendekatan kualitatif, yang melibatkan wawancara dengan pihak terkait di perusahaan serta observasi terhadap alur dan prosedur klaim yang ada. Hasil penelitian menunjukkan bahwa prosedur penanganan klaim asuransi di perusahaan ini mengikuti prinsip-prinsip syariah dengan penekanan pada transparansi dan keadilan. Proses klaim berjalan dengan efisien, meskipun terdapat beberapa tantangan terkait komunikasi antara nasabah dan perusahaan. Penelitian ini memberikan rekomendasi untuk perbaikan komunikasi dan penguatan sistem pengawasan klaim.
Strategi Pengembangan Usaha UMKM di Era Digital: Studi Kasus Havana Collection dengan Pendekatan SWOT–QSPM Juliana, Juliana; Imsar, Imsar; Daulay, Aqwa Naser
Jurnal Maksipreneur Vol 14 No 2 (2025)
Publisher : Universitas Proklamasi 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30588/jmp.v14i2.2424

Abstract

This study examines business development strategies for a small and medium enterprise (Havana Collection) in the digital era and prioritizes actionable initiatives using a SWOT–QSPM approach. Internal and external factors were mapped through field observations and document review; weighted scores were computed with IFAS/EFAS, strategic alternatives were formulated via SWOT, and priorities were determined using the Quantitative Strategic Planning Matrix. The firm’s IFAS and EFAS totals indicate a relatively favorable external context (IFAS ≈ 2.56; EFAS ≈ 2.71). QSPM highlights an SO-led pathway: intensifying digital marketing—including paid ads, creator collaborations, and affiliate programs—emerges as the top priority, while product development and market expansion serve as supportive moves. Managerially, the roadmap emphasizes content capability and performance analytics, sequencing quick wins while strengthening core processes. The study demonstrates how a compact, evidence-based framework translates qualitative factor mapping into an implementable priority list for SME growth in the digital landscape.
The Mediating Role of Lifestyle in Strengthening Financial Management Behavior of Gen Z Ramadhani, Indri Gayatri; Aisyah, Siti; Daulay, Aqwa Naser
Economics, Business, Accounting & Society Review Vol. 4 No. 3 (2025): Economics, Business, Accounting & Society Review
Publisher : International Ecsis Association

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55980/ebasr.v4i3.277

Abstract

The rapid evolution of digital technology has profoundly shaped the consumption patterns and financial behaviors of Generation Z, a cohort characterized by high digital exposure and instant access to financial services. Despite their familiarity with financial information, many Gen Z individuals still exhibit impulsive spending and poor debt management, reflecting a gap between financial awareness and behavioral discipline. This study aims to examine the influence of financial knowledge and financial attitude on financial management behavior, with lifestyle serving as a mediating variable. Employing a quantitative research design, data were collected from 410 Gen Z students in Medan through an online questionnaire and analyzed using the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method. The findings reveal that both financial knowledge and financial attitude have significant positive effects on financial management behavior, both directly and indirectly through lifestyle. Furthermore, lifestyle demonstrates a partial mediating role, indicating that sound financial knowledge and positive attitudes are more effective when internalized into disciplined and goal-oriented financial lifestyles. This study contributes to the theoretical enrichment of the Theory of Planned Behavior by emphasizing the mediating role of lifestyle as a behavioral mechanism linking cognition and attitude to practical financial management. Practically, the results highlight the importance of promoting financial education programs that integrate lifestyle adjustments to foster responsible and sustainable financial behavior among the younger generation.
Co-Authors Achmadi, Faiz Mukaffi ADELIA, PUTRI Afifah Rahmadani Afifah, Yasmin Ahmad Syakir Ahsan Putra Hafiz Aji, Mhd. Habrul Aldira Sari, Ayu Alfatunisa, Alfatunisa Alif Lailasari Saragih Amanda, Putri Anandani, Thalia Ananti, Aurensia Andri Seomitra Andri Soemitra Andri Soemitra Anggriany, Juni Arieffan Syah Arifin Fauzi Lubis Ariska, Dini Dwi atika Atika Atika Awaluddin Awaluddin Baehaqi Basri Mahendra Hasibuan Br. Lumban Tobing, Fanny Asyifa Budi Harianto Budi Harianto, Budi Chuzaimah Batubara, Chuzaimah Dalimunthe, Ahmad Amin Damayanti, Tri Deby Dandi Ibnu Sutowo Dea Lora Veni Debby Nadillah Harahap Debby Tamara Enre Devia Astry Khairani Dharma, Budi Dila Wandasari Fadillah, Ade Noviola Fani, Mukhammad As Alukal Huda Mei Fili, Nada Sausan Adha Franadita, Dwi Frizky, Mhd Habbil Habib, Muhammad Fahmi Hani, Hani Widari Harahap, Andi Hotmatua Harahap, Muhammad Ikhsan Harahap, Nonita Fitriani Harahap, Rahmat Daim Harianja, Lisa Rahmadani Hasanah, Annisa Javalia Hasibuan, Khofifah Hasibuan, Martua Raya Hasibuan, Mhd. Ali Bukit Hasibuan, Reni Ria Armayani Hayady, Roza Hendra Harmain Hendra Hermain Hermain, Hendra Hernita, Hernita Ilhamy Nst, Muhammad Lathief Imsar, Imsar Indradewa, Rhian Isnaini Harahap Izza, Vanya Nurul Juliana Juliana Juliana Nasution Kamilah, K khusnul khotimah Kuncoro, Muhammad Agus Kusmilawaty, K Kusmilawaty, Kusmilawaty Kusuma, Mitra Dewi Laylan Syafina Lazuardi, Bayu Lestari Hulu, Rita Dwi Lubis, Muhammad Iqbal Asyari Lubis, Rizky Aulia M. Ryansyah Makarim, Naylatussalwa Manurung, Alifia Nasya Marliyah Marliyah, Marliyah Marliyah, Marliyah Martogi Ariski Matondang, Seri Rezeki Maulida Jam’ah Mhd. Agung Pratama Trg Mhd. Rizky Al Akbar Mufti, Muhammad Ikhsan Muhammad Agung Nugraha Muhammad Arif Muhammad Lathief Ilhamy Nasution muhammad Syahbudi, muhammad Muhammad Yafiz Muhammad Yafiz, Muhammad N Nurhayati Nahulae, Leni Lastrian Nararya, Habib Lauda Nasution, Arifah Nasution, Elna Sari Nasution, Juliana Nasution, Mei Lani Nasution, Syukry El Hanif Nelisya Putri Ningrum, Berlian Puspita Niswan, Ramandha Nugraha, Muhammad Bima Nur Ahmadi Bi Rahmani Nurdiana Nurdiana Nurhasanah Siregar . Nuri Aslami Nurul Inayah Nurul Jannah Panjaitan, Nana Karlina Pertiwi, Sri Indah Pratiwi, Bela Harti Prayogi, Feri Pujiastuti, Wulandari Pulungan, Silviani Qarni, Waizul Rahma, Tri Inda Fadhila Rahman, Alif Zuan Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmi Syahriza Raihan, Muhammad Ramadhani, Indri Gayatri Ramadhini, Suci Ramadiansyah, Ridho Reni Ria Armayani Hasibuan Ridho Al Kautshar Malau Ridho Khairi Affandi Ritonga, Melisa Ananda Putri Ritonga, Suhairi Sagala, Putri Wulandini Sahputri, Ria Anjriani Sahri, Riadil Jannah Salsabila, Amanda Putri Salsabila, Tasya Saputri, Aulia Habibi Saragih, Rizky Febrian Sari Harahap, Siska Permata Sari, Hamidah Sari, Preti Intan Selayan, Asyaadatun Nazila Sembiring, Fauji Arkhan Simamora, Wardah T. Siregar, Ahmad Rajin Siregar, Jumriani siregar, shofwan hafiz Siti Aisyah Sri Wahyuni Sugianto Sugianto Sugianto Sugianto Suhairi Suhairi Syafira, Dinda Syahputri, Salsabila Syamsiar, Syamsiar Syarifah, Siti Alfaini Tambunan, Nurhasanah Telaumbanua, Berlian Tri Inda Fadhila Rahma Tuti Anggraini Tuti Anggraini Vina Adelia Wahyu Syarvina Wiwik Handayani Wulandari, Rika YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yunus, Hesty Ananta Yusrizal Yusrizal Zahwa Fadhlila Lubis Zuhrinal M. Nawawi