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Property Business Competitive Strategy Analysis at PT. Rizki Mandiri Barokah Utami R.A Padang; Wahyu Syarvina
Jurnal Akuntansi, Manajemen dan Bisnis Digital Vol 1 No 2 (2022): Juli
Publisher : Fakultas Ekonomi Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jambd.v1i2.2404

Abstract

The need for a place to live today will always be the main need of society. These needs make the demand for housing will continue to exist. With the level of demand that continues to increase, it will encourage business people to try to take advantage of these opportunities. The more property businesses, the tougher the competition in the industry. So the company will be required to plan and implement strategies in order to maintain and improve the company's competitive position. In this study, the researchers tried to convey the Analysis of Competitive Strategy in the Property Business at PT. Rizki Mandiri Barokah. As a company that has been in the property business for a long time, researchers are trying to find out what strategies have been implemented by the company at this time, internal and external factors that affect the company in running its business, and what strategies the company can implement to maintain its competitive position. researchers will try to find out the external factors that influence the company in running its business using the company's internal. The type of research used is descriptive qualitative. Finally, the researcher tries to provide the right strategy so that the company can maintain its competitive position. By using SWOT analysis. can provide an overview of the possible strategies that can be carried out by the company. From the results of the study, the researchers found that the right competitive strategy to be applied by PT Makmur Bersama Properti is an intensive strategy for development by mobilizing various intensive efforts on the condition that the company can improve its competitive position with current products and develop the potential of these resources so that companies can be more advanced and compete with other companies.
Analysis of the Implementation of the Work Accident Insurance Program at the Office of BPJS Ketenagakerjaan, Binjai Branch Elsa Zulfita; Wahyu Syarvina
Jurnal Akuntansi, Manajemen dan Bisnis Digital Vol 1 No 2 (2022): Juli
Publisher : Fakultas Ekonomi Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jambd.v1i2.2423

Abstract

This study aims to determine how the implementation of the Work Accident Insurance program at the Office of BPJS Employment Binjai Branch and its obstacles. The sample of this research is the BPJS Employment Office of the Binjai Branch. In this study, using qualitative methods with data collection techniques using literature studies, observation and documentation studies. The results of this study indicate that the implementation of the Work Accident Insurance program at the BPJS Employment Office of the Binjai Branch has been carried out properly and in accordance with applicable regulations. However, there are several obstacles that hinder the smooth implementation of this program, such as time management, technology and the role of the community.
Analisis Pasar Tenaga Kerja Dalam Perspektif Ekonomi Islam Wahyu Syarvina; Fitriani Saragih; Isnaini Harahap
JRAK (Jurnal Riset Akuntansi dan Bisnis) Vol 8 No 2 (2022): JRAK Jurnal Riset Akuntansi dan Bisnis, Juli 2022
Publisher : LPPM POLITEKNIK LP3I BANDUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38204/jrak.v8i2.977

Abstract

Employment problems are very important and complex problems. In Islamic economics, the problem of labor welfare always gets attention when looking at the labor market, so the scope of the labor market from a macroeconomic point of view not only tends to create favorable economic conditions, but also policies that determine the ideal wage that can lead to the power to create people's welfare as a fundamental tool of a country. The purpose of this study is to see how the labor market in an Islamic perspective. The type of research method in this research is qualitative research, namely library research that is sourced from books and other documents as the main object. Determination of wages in Islam depends on the needs of workers based on justice and honesty and protects the interests of employers and workers. The impact of the implementation of a labor market that is Islamic in nature can potentially create economic equity in society and develop the economy and welfare, as is expected to achieve falah in sharia economy
Analisis Peran Undewriter Dalam Menyeleksi Risiko pada Produk Asuransi Kesehatan: Frissai Gusminar Mutia; Fauzi Arif Lubis; Wahyu Syarvina
ManBiz: Journal of Management and Business Vol 2 No 1 (2023): ManBiz: Journal of Management and Business
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (806.561 KB) | DOI: 10.47467/manbiz.v2i1.1801

Abstract

This study aims at the role of the underwriter in selecting the risk of health insurance products, knowing the obstacles encountered by the underwriter in selecting the risk and the solutions applied to overcome these obstacles, and knowing the underwriting process of group health insurance at AJB Bumiputera Medan. The type of research used is descriptive research, with a qualitative approach. The conclusions of this study briefly are: (1) Underwriters have an important role in insurance companies because underwriters determine whether the insurance coverage can be accommodated by the company or not. (2) Obstacles encountered by underwriters in selecting risks are the availability of incomplete participant data, previous experience data of the insured and prospective insured not providing the desired budget and benefits, while the solution is to contact the agent concerned to obtain additional information needed by the underwriter, apply analysis to groups of prospective insurance participants as new participants, and provide standard premium rates and benefits. (3) The underwriting process begins when marketing applies for SPPA until the issuance of the policy. Keywords: Underwriting, Underwriter, Group Health Insurance
Analisis Pengaruh Beban Kerja Terhadap Kinerja Karyawan PT. Perkebunan Nusantara IV Medan Vania Sally Nabila; Wahyu Syarvina
Jurnal Kewarganegaraan Vol 6 No 2 (2022): Desember 2022
Publisher : UNIVERSITAS PGRI YOGYAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (308.504 KB) | DOI: 10.31316/jk.v6i2.3133

Abstract

AbstrakPersaingan industri yang semakin ketat dizaman sekarang, seringkali ditemukan permasalahan yang dapat menyebabkan sebuah perusahaan mengalami kegagalan. Untuk mengantisipasi kegagalan tersebut diperlukan adanya sumber daya manusia yang baik. Karyawan yang memiliki kinerja yang baik dapat membantu perusahaan dalam mencapai tujuan yang telah ditetapkan oleh perusahaan. Banyak faktor yang mempengaruhi kinerja karyawan diantaranya latar belakang pendidikan yang tidak sesuai dengan pekerjaan, komitmen karyawan yang rendah, motivasi karyawan yang rendah, kurang- nya disiplin karyawan, dan tingginya beban kerja yang diberikan perusahaan. Tujuan dalam penelitian ini adalah untuk mengetahui: (1) Pengaruh beban kerja terhadap kinerja karyawan di PT. Perkebunan Nusantara IV  (2) Pengaruh negative dan signifikan antara beban kerja terhadap kinerja karyawan Divisi Sumber Daya Manusia pada PT. Perkebunan Nusantara IV dan (3) Tingkat kategori karyawan dalam mengatasi beban kerja yang ada pada lingkungan kerja. Penelitian ini menggunakan metode deskriptif dengan pendekatan kuantitatif dengan menitik beratkan pada pengujian hipotesis dalam menghasilkan suatu kesimpulan. Hasil dari penelitian ini adalah beban kerja tidak memiliki pengaruh yang signifikan terhadap kinerja karyawan PT. Perkebunan Nusantara IV dan memiliki kategori yang terbilang sangat baik dalam mengatasi beban kerja yang ada pada lingkungan kerja.Kata Kunci: Beban Kerja, Kinerja, Kinerja Karyawan. AbstractIn today's increasingly fierce industry competition, problems are often found that can cause a company to fail. To anticipate these failures, it is necessary to have good human resources. Employees who have good performance can help the company in achieving the goals set by the company. Many factors affect employee performance including educational background that is not in accordance with the work, low employee commitment, low employee motivation, lack of employee discipline, and the high workload provided by the company. The purpose of this study was to determine: (1) The effect of workload on employee performance at PT. Perkebunan Nusantara IV (2) The negative and significant effect of workload on employee performance in the Human Resources Division at PT. Perkebunan Nusantara IV and (3) The level of employee categories in dealing with the workload that exists in the work environment. This study uses a descriptive method with a quantitative approach with an emphasis on hypothesis testing in producing a conclusion. The results of this study are the workload does not have a significant effect on the performance of employees of PT. Perkebunan Nusantara IV and has a category that is considered very good in overcoming the workload that exists in the work environment.Keywords: Workload, Performance, Employee Performance.
Pemanfaatan Digital Marketing Channel dalam Meningkatkan Kualitas Pelayanan dan Citra PT. Telkom Indonesia (PERSERO) TBK Kandatel Padang Sidempuan Minta Ito Lubis; Wahyu Syarvina
Jurnal Kewarganegaraan Vol 6 No 2 (2022): Desember 2022
Publisher : UNIVERSITAS PGRI YOGYAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (346.448 KB) | DOI: 10.31316/jk.v6i2.3293

Abstract

AbstrakPenelitian ini bertujuan untuk mengetahui bagaimana implikasi pemanfaatan digital marketing channel meningkatkan kualitas pelayanan dan citra PT. Telkom Indonesia, Tbk Kandatel  Padang Sidempuan. Pada PT. Telkom Indonesia, Tbk Kandatel  Padang Sidempuan mengetahui dan menyadari pentingnya memperhatikan kualitas layanan dan citra pada perusahaan. Pemanfaatan teknologi digital belum dimanfaatkan secara keseluruhan pada PT. Telkom Indonesia, Tbk Kandatel  Padang Sidempuan. Pemanfaatan digital marketing juga masih belum sempurna karena keterbatasan SDM yang menyebabkan pelaksanaan kerja di beberapa fungsi kurang maksimal. Tujuan dari penelitian ini ialah agar PT. Telkom Indonesia, Tbk Kandatel  Padang Sidempuan dapat melakukan pemanfaatan Digital Marketing Channel dalam meningkatkan kualitas pelayanan dan citra perusahaan yang tepat dan memaksimalkan aspek pada pengembangan sistem di perusahaan. Adapun metode penelitian yang digunakan adalah kualitatif deksriptif dengan teknik pengumpulan data wawancara, observasi, dan dokumentasi. Pemanfaatan teknologi selain memudahkan perusahaan menangkap keinginan konsumen, membuat perusahaan lebih familiar dengan masyarakat dan perusahaan terlihat lebih melek teknologi. Sistem pelayanan perdagangan melalui internet akan memberikan sifat selalu up to date, maka perusahaan dapat memberikan layanan informasi produk yang ditawarkan secara jelas dan mudah.Kata Kunci : Digital Marketing Channel, Kualitas Pelayanan, Citra Perusahaan Abstract The purpose of this study is to determine how the use of digital marketing channels affects quality of service and the improvement of PT's image. Telkom Indonesia, Tbk Kandatel  Padang Sidempuan. At PT. Telkom Indonesia, Tbk Kandatel  Padang Sidempuan recognizes the importance of considering quality of service and corporate image. The use of digital technology is not yet fully utilized at PT. Telkom Indonesia, Tbk Kandatel  Padang Sidempuan. Due to the limited talent, the use of digital marketing is not yet perfect. In other words, implementing work with some features is not optimal. The purpose of this study is to use digital marketing channels to improve the quality of service and good corporate image, and to maximize aspects of a company's system development. The research method used is descriptive qualitative using interview, observation, and documentary data collection techniques. Using technology not only makes it easier for businesses to understand what consumers want, but it also makes them more familiar to the general public and makes them appear to be tech-savvy. With the transaction service system via the Internet, it is possible to provide product information services that are kept up-to-date and clearly and easily provided.Keywords: Digital Marketing Channel, Service Quality, Company Image
Penerapan Teknologi Terhadap Pelayanan Publik Melalui Sistem Aplikasi pada Dinas Penanaman Modal dan Pelayanan Terpadu Satu Pintu Kota Medan Anggita Rizkia; Wahyu Syarvina
Jurnal Kewarganegaraan Vol 6 No 2 (2022): Desember 2022
Publisher : UNIVERSITAS PGRI YOGYAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (220.014 KB) | DOI: 10.31316/jk.v6i2.3601

Abstract

AbstrakPenelitian bertujuan untuk mengetahui Penerapan Teknologi Terhadap Sistem Pelayanan Publik Melalui Sistem Aplikasi Pada Dinas Penanaman Modal Dan Pelayanan Perijinan Terpadu Satu Pintu Kota Medan.Metode penelitian yang digunakan pada penelitian ini adalah metode penelitian deskriptif dengan pendekatan kualitatif dengan menggambarkan fakta- fakta tentang masalah yang menjadi focus dan diiringi dengan interprestasi yang tradisional dan akurat dan dengan menggunakan metode wawancara secara mendalam.Model implementasi kebijakan yang digunakan dalam penelitian ini yaitu model George Edward III yaitu Model implementasi E-government yang terdiri dari komunikasi, sumber daya, disposisi, dan struktur birokrasi.Hasil penelitian menunjukkan bahwa Implementasi Kebijakan Kebijakan implementasi e-Government baik itu komunikasi, sumber daya, disposisi, dan struktur birokrasi. sudah terlaksana dengan cukup baik namun belum sampai pada tahapan yang sangat baik.kata Kunci: Teknologi, Metode, Model AbstrakThis study aims to determine the application of technology to the public service system through the application system at the One-Stop Integrated Licensing and Investment Service Office of Medan City. The research method used in this study is a descriptive research method with a qualitative approach by describing facts about the problem that is the focus. and accompanied by traditional and accurate interpretations and by using in-depth interview methods. The policy implementation model used in this study is the George Edward III model, namely the E-government implementation model consisting of communication, resources, disposition, and bureaucratic structure. The results The research shows that the policy implementation of e-Government implementation includes communication, resources, disposition, and bureaucratic structure. has been implemented quite well but has not yet reached a very good stage.Keywords: Technology, Method, Model
FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MENABUNG DI BANK SYARIAH (STUDI KASUS PERSATUAN ISTRI TENTARA KOMPI SENAPAN C YONIF 126/KC RANTAUPRAPAT) Erna Sipahutar; Fauzi Arif Lubis; Wahyu Syarvina
Jurnal Trisna Riset Vol 3, No 2 (2022): Jurnal Trisna Riset
Publisher : STIE Trisna Negara OKU Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (780.334 KB) | DOI: 10.47232/trisnariset.v3i2.239

Abstract

The purpose of the study was to determine the effect of place factors, brand factors, economic factors and knowledge factors on interest in saving in Islamic banks. Quantitative research methods. Population 34 people persit. The technique of collecting data is by interviewing and distributing questionnaires. The data analysis technique used SPSS 25. The results: There is an influence of the place factor on the interest in saving in Islamic banks with a t count value of 2,469 > t table 2,048. There is an influence of brand factors on the interest in saving in Islamic banks with the value of t count (2.276) > t table (2.048). There is an influence of economic factors on the interest in saving in Islamic banks with a value of t count (2.506) > t table (2.276). There is an influence of knowledge factor on interest in saving in Islamic banks with a value of t count (0.611) < t table (2.276). Place factor, brand factor, economic factor and knowledge factor simultaneously affect the customer's decision, value 0.000 <0.05, Fcount 7.757 > 2.74.
The Effect of Third-Party Funds on Net Profit at PT Bank Mega Syariah with Financing as Intervening Variable Rizky Ananda Utami; Nurbaiti Nurbaiti; Wahyu Syarvina
Jurma : Jurnal Program Mahasiswa Kreatif Vol 6 No 2 (2022): Desember 2022
Publisher : LPPM UIKA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jurma.v6i2.1263

Abstract

The purpose of this study was to determine the effect of TPF (Third Party Funds) on Net Profit at PT Bank Mega Syariah, to determine the effect of Financing on Net Profit at PT Bank Mega Syariah, and to determine the effect of TPF (Third Party Funds) through Financing on Profit. Net at PT Bank Mega Syariah. This type of research is field research using quantitative methods. Data collection techniques using documentation in the form of financial statements of PT Bank Mega Syariah. The data analysis technique used path analysis using the SPSS 22 application. The results showed that TPF (third party funds) had a positive and significant effect on net income at PT Bank Mega Syariah of (0.962) with a significant value (0.000). Financing has a negative and insignificant effect on net income at PT Bank Mega Syariah by (-0.622) with a significant value (0.561). TPF (Third Party Funds) through financing has a negative and insignificant effect on net income at PT Bank Mega Syariah by (- 0.268) with a significant value (0.694).
Determinan Market Share Industri Keuangan Non Bank Syariah Indonesia Wahyu Syarvina; Andri Soemitra; Zuhrinal Nawawi
Jurnal Riset AKuntansi dan Bisnis Vol 23, No 1 (2023): Maret
Publisher : Jurnal Riset Akuntansi dan Bisnis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/13175

Abstract

The market share of the non-Islamic non-bank financial industry is moving slowly, incomparable with Indonesia's Muslim population which reaches 87%. The purpose of this study was to determine the effect of assets and equity on the market share of the Islamic non-bank financial industry for the period 2017 to 2021. This research method uses a quantitative approach with an associative method. The sampling technique was carried out by researchers with special considerations (purposive sampling), namely the sampling technique with special considerations so that what is suitable as a sample. The data analysis technique used in this research is to carry out quantitative analysis expressed in numbers which in the calculations use statistical methods assisted by the statistical data processing program SPSS version 26 for Windows so that it can be seen whether there is an effect of several independent variables on the dependent variable. . From the results of data processing using SPPS, the results show that assets and equity do not affect the market share of the non-sharia financial industry in Indonesia for the period 2017 to 2021
Co-Authors ., Lisnawati Adela Putri, Sania Adelini Siagian Agiet Mutiara Rengganis Agung Nugraha agung setiawan Agustin, Lismaini Ahmad Muhaisin B Syarbaini Ahmad Syakir Ahmad, Alya Hamdini Ahmadi Bi Rahmani, Nur Aldi Fernando Amanda Damayanti Nasution Amanda, Annisa Rizka Amelia Putri Amin, Haris Al Anastasya Br Ginting Andri Soemitra Andri Soemitra Anggita Rizkia Anggraini , Widia Angraini, Tuti Aninda Zahra Anio Indah Lestari Anisa Mawaddah Nst Aprilia Indah Saputri Rambe Aprilia, Dita Aqila Tamima Aqwa Naser Daulay Arif, Muhammad Arifin Fauzi Lubis Asmaul Husna Asmaul Husna Asri Lestari Atika Atika Ayu Andini Azhari Akmal Tarigan Azka Wardatul Hayyah Azka Wardatul Hayyah Azmi Lubis, Muhammad Azzahra, Aisya azzahri, khairul Baehaqi Basania Nasution Batubara, Muslimatul Husnah Beny Sitakar Br Ginting, Herminaria Chairani, Zizah Chuzaimah Batubara Cici Winda Atila Cindy Clara Afifah Cindy Purnama Asry Nasution Damanik, Aryaji Wardana Dea Puspita Diana Diana Dimas Pratama Elsa Mayori Elsa Elsa Zulfita Erna Sipahutar Fachry Abda El Rahman Fadhila Rahma, Tri Inda Fadhila, Tri Inda Fattonah, Rindang Dwi Febrianti, Rani Feri Wijaya Fitria Hanum Fitrianur Ahmad Sihombing Frissai Gusminar Mutia Gustrianingsih G Hamtheldy, Raihan Zaky Harahap, Dewi Anna Sari Harahap, Rahmat Daim Harahap, Yusra Lestari Haris Al Amin Hasan Basri, Tengku Hasibuan, Abdi Satria Hasibuan, Adik Tya Hasibuan, Jihan Isnaini Haya, Salwa Fadhilah Hazrah, Siti Helva Diansyah Putri Hendra Harmain Hendra Harmain Hendra Hermain Hilmi, Hafizh Hotbin Hasugian Hotbin Hasugian Ilham Wahyudi Imsar, Imsar Imsar2 Indah Aryani Indah Lestari, Annio Indah Wulan Sari BatuBara Indra, Ahmad Perdana Indradewa, Rhian Irani Eka Putri Pohan Isnaini Harahap Julfan Saputra Juni Anggriany Kaidah Sinaga, Ade Nurul Kembaren, Nurul Fadhilah Yusri Khairil Fitrah Harahap Khairunnisa Azzahra Laylan Syafina Lingga, Fitria Ratna Liska Febrianti Lubis, Listiya Andana Lubis, Minta Ito Lubis, Nur Jannah Lubis, Zul Fahmi M. Hizbullah Hasibuan M. Reza Shah Fahlevi Lubis Mahvi, Muhammad Rizky Maidalena Maidalena, Maidalena Majalipa Awalia Marliyah Marliyah Marliyah, Marliyah Maryam Batubara Maryam Batubara Masitha Khairani Hasibuan Maulida Marpaung Ma’arif Noer Lubis Mei Fani, Mukhammad As Alukal Huda Mei Habibah Dalimunthe Meiliani, Risa Melisa Syafitri Amalia Mhd. Arifta Pulung Tumannger Miftahul Husna Hutapea Minta Ito Lubis Miranda Miranda Miranda, Miranda Muhammad Anshari Hutasuhut Muhammad Arif Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan Muhammad Ridwan Muhammad Rizky Muhammad Syafii muhammad Syahbudi, muhammad Muhammad Yafiz, Muhammad Munthe, Ira Hairun Nisa Munthe, Yusnita Ulfah Murni Sofiah Muslimatul Husnah Batubara Mustapa  Khamal  Rokan Mutia, Frissai Gusminar Mutiara Annisa Nabila, Vania Sally Nastiti . Nasution, Annio Indah Lestari Nasution, Eldzan Izzahara Nasution, Juliana Nasution, Lis Mawarni Nasution, Silpiah Jahra Nia Andriani Niken Rahmadyah Niki Aulia Nst, Muhammad Lathief Ilhamy Nufikha, iyundzira Nufikha, Liyundzira Nur Ahmadi Bi Rahmani NUR AHMADI BI RAHMANI Nur Hanisah Lubis Nurbaiti Nurbaiti Nurbaiti Nurhidayah Nurhidayah Nursantri Yanti Nurul Aini Siregar Nurul Jannah Nurwani Nurwani, Nurwani Pohan, Rahma Nur Azizah Putri Apriyani br Rangkuti Qarni, Waizul Rahimi, Siti Rahma, Tri Indah Fadhila Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmat Daim Harahap Raihan Zaky Hamtheldy Ramadhani, Sri Raudhah Jannatun Raudhatul Jannah Reni Ria Armayani Hasibuan Revika Revika Viola Azzahara Reza Febrian Ridho Fachrozie Rifki Akmal Tanjung Rio Ariangga Hutagalung Ritonga, Mei Anriani Rizki Wahyudi Rizkia, Anggita Rizky Ananda Utami Roza, Fitra Maulana Rustiana, Devara Safitri, Kenanga Sakinah Sakinah Sakinah Salsabila, Amanda Putri Salsabila, Tasya Salwa Fadhilah Haya Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Saparuddin Siregar Saputra, Julfan Saragih, Arif Kusnedi Saragih, Fitriani Sari, Ika Damai Siregar, Padrie Payung Siti Hazrah Siti Nur Adillah Siti Nurhaliza Sofiah, Murni Sofyanda, M. UKi Sophia Rahmadhani Sri Anjani Sri Sudiarti sri sudiarti Sri Sudiarti sri sudiarti Sri Wahyuni Suci Afria Sasty Siregar Sudirman Suparmin Sugianto Sugianto Sugianto Sugianto Sumi, Raudatun Syahputri, Diana Syakir, Ahmad Syamsiar, Syamsiar T. Wulan Arianti Tasya Rahma Dayani Pohan Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tuti Anggraini Umi Khairani Utami R.A Padang Vania Sally Nabila Wahyu Andriansyah Naibaho Widia Angraini Windi Mayani Dalimunthe Yani, Yusra Yasmine, Resa Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yunda Herliana Yuningsih, Apriliani Zahra Amalia Khairani Zuhrinal M. Nawawi Zuhrinal. M. Nawawi Zulpan, Zulpan  Yenni Samri Juliati Nasution