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All Journal Prosiding Semnastek Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Studia Economica: Jurnal Ekonomi Islam Tansiq: Jurnal Manajemen dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah MODELING: Jurnal Program Studi PGMI Jurnal Riset Pendidikan Ekonomi Journal of Economic, Bussines and Accounting (COSTING) Al-Muaddib : Jurnal Ilmu-Ilmu Sosial & Keislaman Owner : Riset dan Jurnal Akuntansi Jurnal Hukum Ekonomi Syariah NISBAH: JURNAL PERBANKAN SYARIAH Journal of Humanities and Social Studies Syarikat : Jurnal Rumpun Ekonomi Syariah (JRAMB) Jurnal Riset Akuntansi Mercu Buana Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Jurnal Review Pendidikan dan Pengajaran (JRPP) SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Journal of Management and Business Innovations Jurnal Informatika Ekonomi Bisnis International Journal of Economics Development Research (IJEDR) Management Studies and Entrepreneurship Journal (MSEJ) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal AKMAMI (Akuntansi Manajemen Ekonomi) Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Journal Economy And Currency Study (JECS) Al Mashaadir : Jurnal Ilmu Syariah Indonesian Journal of Islamic Economics and Business El-Mujtama: Jurnal Pengabdian Masyarakat Kontigensi: Jurnal Ilmiah Manajemen Jurnal Ekonomi Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Jurnal Iqtisaduna Jurnal Multidisiplin Madani (MUDIMA) International Journal of Humanities Education and Social Sciences Jurnal SALMAN : Sosial dan Manajemen MES Management Journal Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat Mumtaz : Jurnal Ekonomi dan Bisnis Islam J-EBI Jurnal Ekonomi dan Bisnis Islam Media Ekonomi International Journal of Economics (IJEC) Journal of Innovation and Sustainable Empowerment Indonesian Journal of Islamic Economics and Finance Madani: Multidisciplinary Scientific Journal Jurnal Akuntansi Manado (JAIM) JAKBS Journal of Islamic Economics and Finance Jurnal REP (Riset Ekonomi Pembangunan) Promotor: Jurnal Mahasiswa Kesehatan Masyarakat Student Research Journal Jurnal Ilmiah Ekonomi dan Manajemen IIJSE Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Neraca Manajemen, Akuntansi, dan Ekonomi Ghaly: Journal of Islamic Economic Law Al-Istimrar: Jurnal Ekonomi Syariah Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Proceeding International Conference on Islamic Economics Community Services Jurnal Kajian Ekonomi dan Perbankan Syariah Edumaspul: Jurnal Pendidikan Urwatul Wutsqo : Jurnal Studi Kependidikan dan Keislaman Academia Open Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan Edueksos: Journal Pendidikan Sosial dan Ekonomi
Tuti Anggraini
Universitas Islam Negeri Sumatera Utara
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Environmental Science Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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The Influence of Financial Literacy and Sharia Financial Technology on Sharia Banking Products in Small and Medium Community Enterprises in the Sibolga Tapteng Region Rica Rahim Lubis; Tuti Anggraini; Ahmad Perdana Indra
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 18, No 1 (2026)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70095/alamwal.v18i1.24695

Abstract

Introduction: The purpose of this study is to analyze and determine the influence of financial literacy and Islamic financial technology on Islamic banking products in small and medium enterprises in the Sibolga Tapteng area Methods: This research method uses a quantitative approach, with a population of 30 people. The sample of this study amounted to 30 respondents. The Likert scale was used as a measurement tool in this study. Data collection was carried out through a questionnaire. Data analysis was carried out using multiple linear regression with the help of the SPSS 24 application. Results: Based on the results of the study, it shows that. The Financial Literacy variable (X1) is 0.325, which is positive. This means that Financial Literacy (X1) has a positive effect on Islamic Banking Products (Y). It is known that the t statistic or t count of Financial Literacy (X1) is 5.309> t table = 1.97 and the Sig. value is 0.000, which is t table = 1.97 and the Sig. value is 0.000, which is
THE EFFECT OF INTEREST RATE AND INFLATION ON THE GROWTH OF MUDHARABAH DEPOSITS AT BANK SUMUT SYARIAH MEDAN 2020-2024 Dimas Akbar Nugroho; Juliana Nasution; Tuti Anggraini
Ghaly: Journal of Islamic Economic Law Vol 4 No 1 (2026): Ghaly: Journal of Islamic Economic Law
Publisher : Islamic Economic Law Study Program, Faculty of Sharia Sultan Aji Muhammad Idris Samarinda Islamic State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21093/ghaly.v4i1.13680

Abstract

The growth of Islamic banking in Indonesia continues to expand alongside increasing public interest in a banking system that adheres to sharia principles, especially one that is free from usury (riba). Among its fund-collection instruments is the mudharabah deposit, namely a placement of funds based on a mudharabah contract that operates through a profit-sharing mechanism. This study examines the macroeconomic determinants of Islamic banking performance by analyzing the effects of the central bank interest rate (BI Rate) and the inflation rate on the growth of mudharabah (profit-sharing) savings deposits at Bank Sumut Syariah Medan. This research examines the influence of the interest rate and inflation on the volume of mudharabah deposits at Bank Sumut Syariah. The study applies an associative quantitative approach utilizing monthly secondary data covering the 2020–2024 period, sourced from the financial statements of Bank Sumut Syariah, Bank Indonesia, and the Central Statistics Agency (BPS). The data were processed through multiple linear regression with the aid of SPSS 22. The findings reveal that, simultaneously, the interest rate and inflation exert a significant effect on mudharabah deposits. On a partial basis, the interest rate demonstrates a significant positive effect, while inflation shows no significant effect. These results suggest that depositors' choices to allocate their funds into mudharabah deposits remain driven by a profit-oriented motive, which aligns with the displaced commercial risk encountered by Islamic banks operating within a dual banking system. This study implies that Islamic banks must dynamically adjust their profit-sharing ratios (nisbah) to remain competitive against conventional interest rate shifts, as regional depositors act as rational economic agents sensitive to inflation and market alternatives. Furthermore, monetary authorities must consider these dual-banking spillover effects to safeguard Islamic liquidity stability.
Analysis of the Implementation of Green Financing at PT Bank Syariah Indonesia Tbk in Supporting the National Net Zero Emission Target Muhammad Aldi Pratama; Tuti Anggraini; Wahyu Syarvina
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9773

Abstract

Indonesia's commitment to achieving Net Zero Emission (NZE) by 2060 requires the active involvement of all sectors, including the financial sector. Islamic banking has a strategic role through the implementation of green financing that aligns with sustainability principles and the maqashid of Sharia. This study aims to analyze the implementation of green financing in Bank Syariah Indonesia in supporting the national net zero emission target. The research method used is qualitative descriptive with a case study approach. The data obtained in this study consisted of documentation studies of annual reports, sustainability reports, sustainable financing policies, and official publications available on the BSI website for the period 2023-2025. The results of the study indicate that Bank Syariah Indonesia has implemented green financing through the provision of sustainable financing in the renewable energy sector, eco-efficient products, sustainable land management, as well as financing for environmentally-oriented micro, small, and medium enterprises. This study concludes that the implementation of green financing at Bank Syariah Indonesia plays an important role in supporting national net-zero emission targets, although there are still various challenges in its implementation.
Strategy to Improve Motor Vehicle Tax Collection in the Effectiveness and Efficiency of Tax Management at UPT Samsat Pangkalan Brandan Aura Azzahra; Muhammad Lathief Ilhamy Nasution; Tuti Anggraini
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.9823

Abstract

This study aims to analyze the effectiveness and efficiency of Motor Vehicle Tax (PKB) management and to formulate strategies for increasing PKB revenue at the Pangkalan Brandan Samsat Technical Implementation Unit (UPT). Motor Vehicle Tax is a source of Locally-Generated Revenue (PAD) that plays a crucial role in funding regional development. However, implementation faces various obstacles—such as tax arrears, low taxpayer compliance, and limitations in service facilities and human resources—that can hinder the optimization of PKB revenue.This study employs a descriptive method using both quantitative and qualitative approaches. Secondary data were utilized, comprising PKB revenue targets and realized figures, as well as routine expenditure data for the Pangkalan Brandan Samsat UPT from 2020 to 2025. Data analysis techniques included effectiveness ratio analysis, efficiency ratio analysis, and SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis. The results indicate that the effectiveness of PKB revenue collection fluctuated between 2020 and 2025 but generally fell into the "highly effective" category. The effectiveness rates were 124.6%, 102.8%, 113.5%, 84.9%, 87.2%, and 121.5%, respectively. Meanwhile, the efficiency of PKB collection fell into the "efficient" category, with ratios of 24.7%, 25.6%, 26.4%, 28.4%, 31.2%, and 37.6%. The SWOT analysis reveals that the Pangkalan Brandan Samsat UPT possesses strengths—specifically a clear legal basis and a sound service system—but faces weaknesses regarding limited facilities and human resources. Available opportunities include the utilization of digital technology and collaboration with relevant agencies, while threats include low public awareness and high levels of tax arrears. Therefore, a strategy comprising increased outreach, the optimization of digital services, and strengthened inter-agency coordination is required to sustainably boost Motor Vehicle Tax (PKB) revenue.
Art 2031 Strategies, Obstacles, and Perceptions of MSMEs in Bandar Masilam, Simalungun Regency in Implementing QRIS as a Digital Payment Tool Intan Juwita Damanik; Rahmi Syahriza; Tuti Anggraini
Al Mashaadir : Jurnal Ilmu Syariah Vol. 7 No. 1 (2026)
Publisher : STIS Ummul Ayman, Meureudu, Pidie Jaya, Aceh, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52029/jis.v7i1.480

Abstract

This study aims to analyze the strategies, obstacles, and perceptions of MSME actors in Bandar Masilam District, Simalungun Regency in implementing QRIS as a digital payment tool. This research uses a qualitative method with a descriptive approach, with data collection techniques through interviews, observations, and documentation. The results show that QRIS implementation is still simple and passive, such as providing QR codes at business locations. The main obstacles include limited internet access, delays in fund disbursement, and low digital literacy among the comunity. However, MSME actors generally have positive perceptions. Therefore, improving digital literacy and infrastructure support is necessary to optimize QRIS adoption in the area
Analisis Kebijakan Pembiayaan Porsi Haji pada Pegadaian Syariah: Tinjauan dari Aspek Regulasi dan Prinsip Syariah Ocha Pratika; Ahmad Perdana Indra; Tuti Anggraini
Indonesian Journal of Islamic Economics and Business Vol. 11 No. 1 (2026): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v11i1.6247

Abstract

This study aims to analyze the Hajj portion financing policy at Pegadaian Syariah from a regulatory and sharia perspective. The Hajj pilgrimage requires istitha'ah (ability), but in practice, not all people are financially prepared to meet the initial BPIH (Islamic Pillars of Hajj) deposit. This situation encourages the emergence of rahn-based financing with gold as an alternative solution. This study uses a normative juridical method with a qualitative approach through analysis of literature, regulations, and field data. The results show that Hajj portion financing has a strong legal basis through the DSN-MUI Fatwa on rahn and gold rahn, and is reinforced by MUI Fatwa No. 004 of 2020, which permits financing of the initial Hajj deposit as long as it complies with sharia principles. This scheme is considered more in line with the principle of prudence because it is supported by real assets. From a sharia perspective, this financing provides benefits in the form of easy access for the public to obtain Hajj portion numbers amidst the long queues. However, there is a potential shift in the meaning of istitha'ah because financial capability does not entirely stem from independent readiness. Therefore, its implementation must continue to adhere to the principles of prudence, repayment capacity, and freedom from usury. Going forward, adjustments to collateral values ​​are needed to make them more proportional and regulations must be strengthened to maintain alignment with the maqasid of sharia.
Implementation and Effectiveness of Risk Management for Organizing Umrah Worship in an Era of Global Economic Uncertainty: Case Study of Travel Maha Tour Mutia Salwa Hutauruk; Ahmad Perdana Indra; Tuti Anggraini
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 1 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i1.10236

Abstract

This study examines the implementation and effectiveness of risk management in organizing Umrah pilgrimage services amid global economic uncertainty through a case study of Travel Maha Tour. Global economic challenges, including exchange rate volatility, inflation, rising international transportation costs, and changes in cross-border policies, have significantly influenced the Umrah travel industry and increased operational risks. A qualitative case study approach was employed, with data collected through in-depth interviews, observation, and documentation. The informants consisted of the Operational Manager and Financial Manager of Travel Maha Tour, who were directly involved in managing operational and financial risks. Data were analyzed using descriptive techniques involving data reduction, data presentation, and conclusion drawing, while validity was ensured through source and method triangulation. The findings reveal that Travel Maha Tour has implemented comprehensive risk management by identifying key operational and financial risks, including currency fluctuations, flight schedule changes, visa delays, rising operational costs, and challenges related to pilgrims’ Umrah savings programs. To mitigate these risks, the company adopted several strategies, such as prudent budget management, reserve fund allocation, diversification of business partners, flexible payment policies, and strengthened internal communication and coordination. The implementation of these measures proved effective in maintaining service quality and operational sustainability. During the period of economic uncertainty from 2022 to 2024, Travel Maha Tour consistently fulfilled its departure quotas without imposing additional costs on pilgrims despite significant Rupiah exchange rate fluctuations. These findings indicate that effective risk management plays a crucial role in ensuring business resilience and protecting pilgrims’ financial interests during periods of global economic instability.
INOVASI POTENSI DESA DALAM PENGEMBANGAN PRODUK ANTI NYAMUK BERBAHAN ALAMI UNTUK MENINGKATKAN KESEJAHTERAAN KOMUNITAS DESA Tuti Anggraini; Natasya Olivia Ningrum; Riziq Ahmad Pulugan; Afrila Ayunda; Darwin Multa Nasution
Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Vol. 1 No. 3 (2024): September
Publisher : Yayasan Nuraini Ibrahim Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70248/jpmebd.v1i3.1333

Abstract

Tujuan dari pengabdian ini adalah untuk mengidentifikasi potensi serai sebagai bahan baku produk anti-nyamuk, menganalisis proses inovasi yang diperlukan, dan mengevaluasi dampak sosial serta ekonomi dari penerapan produk ini di tingkat desa. Serai dikenal dengan kandungan citronella yang efektif mengusir nyamuk, menawarkan alternatif yang lebih aman dibandingkan produk kimia sintetis. Metode yang digunakan dalam pengabdian ini mencakup proses inovasi, mulai dari ekstraksi citronella hingga formulasi produk, dengan fokus pada penerapan di desa dengan sumber daya terbatas. Hasil pengabdian menunjukkan bahwa pemanfaatan serai sebagai bahan anti-nyamuk tidak hanya efektif dalam mengatasi masalah nyamuk, tetapi juga memiliki potensi besar untuk meningkatkan kesejahteraan komunitas desa melalui penciptaan lapangan kerja dan peningkatan pendapatan. Kesimpulan dari pengabdian ini menegaskan bahwa dengan pendekatan inovatif dan dukungan yang memadai, produk berbasis serai dapat menjadi model untuk pengembangan produk berbahan alami lainnya di desa-desa dengan karakteristik serupa di Indonesia dan wilayah tropis lainnya. Kata Kunci: Serai, Produk Anti-Nyamuk, Inovasi Lokal, Potensi Desa, Kesejahteraan Komunitas
Generation Z Preferences in Financial Risk Management (A Comparative Study of Emergency Funds and Sharia Insurance) Annisa Ayu Kusuma; Tuti Anggraini; Andri Soemitra
SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Vol. 7 No. 3 (2025)
Publisher : LPMP Imperium

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36407/serambi.v7i3.1759

Abstract

This study aims to examine Generation Z's preferences in choosing financial risk management strategies, with a focus on comparing the use of emergency funds and Islamic insurance. Generation Z, known for their adaptability to technology and information, faces complex financial challenges amidst global economic uncertainty. Using a descriptive qualitative approach, data were obtained from in-depth interviews with a number of Generation Z respondents in urban areas. The results show that although the majority of respondents understand the importance of emergency funds as a form of short-term protection, there is increasing interest in Islamic insurance as an alternative that is considered more systematic and in line with religious values. The main factors influencing this preference include the level of financial literacy, trust in Islamic financial institutions, and perceptions of long-term benefits. These findings are expected to contribute to the development of more relevant financial education strategies for the younger generation. In Press, Journal Pre-proof. Journal pre-proofs are Articles in Press that have been peer reviewed and accepted for publication by the Editorial Board of this publication. They have undergone enhancements after acceptance, such as the addition of a cover page and metadata, and formatting for readability, but are not yet definitive versions of record. These versions will undergo additional copyediting, typesetting, and review, and may not yet have full functionality. For example, supplementary files may still need to be added, links to references may not resolve yet, etc. The text could still change before final publication. Although journal preprints do not yet include all bibliographic details, they can be cited using the year of online publication and the DOI, as follows: author(s), article title, Publication (year), DOI. Please consult the journal’s reference style for the exact appearance of these elements, abbreviation of journal names, and use of punctuation. When the final article is assigned to a volume/issue of the publication, the Article in Press version will be removed, and the final version will appear in the associated published volumes/issues of the publication. The date the article was first made available online will be carried over.
Optimization of Sharia Marketing Strategy in Increasing Customer Interest in Hajj Savings Products at Bank Syariah Indonesia Kc Rantauprapat Dyah Asti Ningruma; Ahmad Perdana Indra; Tuti Anggraini
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12080

Abstract

This study aims to analyze the effectiveness of sharia marketing strategies in increasing customer interest in Hajj Savings products at Bank Syariah Indonesia (BSI) KC Rantauprapat. This research uses a qualitative approach with descriptive methods. Data were collected through in-depth interviews with marketers and customers, as well as analyzing trends in the number of customers from 2021 to 2024. The results showed that financial transparency and competitive profit-sharing schemes have a significant influence on customer decisions in choosing Hajj Savings. In addition, community-based marketing strategies, such as socialization in community organizations and educational institutions, are proven to increase customer trust and loyalty. Thus, the combination of community-based marketing strategies, financial transparency, product innovation, and service digitalization is a key factor in strengthening the competitiveness of Islamic banking. The implications of this study can be used as a model for optimizing Islamic marketing for other Islamic banks in Indonesia.
Co-Authors Abdul Kholid Azhari Ade Khadijatul Z. HRP Ade Sakila Ade Syafitri Ade Syafitri Afrila Ayunda Ahmad Muhajir Ahmad Perdana Indra Ahmad Perdana Indra Ahmad Riyansyah Ahmad Sabili Yuhda Aida Sulam Tambak Alif Lailasari Saragih Alya Nabila Junaidi Ammy, Baihaqi Ananda Dwi Cahya Andri Soemitra Angga Syahputra Annisa Aulia Azzahra Annisa Ayu Kusuma Annisa Karimah Karimah Annisa Putri Siregar Anriza Witi Nasution Anton Anton Aqwa Naser Daulay Ardi Prayetno Asmiwarti Asmiwarti Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Asmuni Atika Atika Atika Atika Pratiwi Audia Adinda Syafrani Aura Azzahra Aydiny Ummy Nurhalim Harahap Ayu Sundari Ayu Wulandari S Tanjung Bunga Syafira Dalimunthe Burhan Hanafi Cantika Florentina Br Bangun Catur Aldiansyah Claudio Ramadona Dani Iskandar Darwin Multa Nasution Dimas Akbar Nugroho Dinda Anisa Dinda Rahayu Dini Syara Sagala Dyah Asti Ningruma Erwin Fitra Jauhari Fadhila Audi Ubay Fathia Zuhra Nasution Fatwa Nasya Al Hadi Fitri Fitriani Fitriani Fitriani Lestari Frida Yanti Sirait Handoko, Dodi Okri Hasnia Ananda Harahap Herlina Herlina Hilman Fauzi Harahap Ian Ian Alfian Icarestika Waluyani Indra Prawira Intan Fitri Panisa Harahap Intan Juwita Damanik Irgi Iqbal Isna Maulida Jannah, Nurul Juliana Nasution Khoirun Niswah Kusmilawaty Kusmilawaty Laylan Syafina Lufriansyah, Lufriansyah M. Ikhsan Harahap M. Yoga Pratama Harahap Maisyaroh, Elvira Marliyah Marliyah Marliyah Mawaddah Irham Mhd. Farhan Mukti Muhammad Aldi Pratama Muhammad Arif Muhammad Aulia Fajri Muhammad Fikri Adrian Muhammad Lathief Ilhamy Nasution Muhammad Lathief Ilhamy Nst Muhammad Latief Ilhamy Nasution Muhammad Reza Iriawan Muhammad Rhenz Nanda Muhammad Rizky Lubis Muhammad Syahbudi Muhammad Syawal Karo Muhammad Syukri Albani Nasution Mustapa  Khamal  Rokan Mutia Salwa Hutauruk Nabilla Amalia Nasution Nailul Muna Nanda Sholehah Nanda, Muhammad Rhenz Natasya Olivia Ningrum Noveria Fradila Noveria Fradila Nur Atika Shofia Herman Nur Fadillah Hayati Nur Maghfirah Nurbaiti Nurbaiti Nurhayati Nurhayati Nuri Aslami Nurma Hasanah Nurselina Nasution Nurul Annisa Nurul Inayah Nusantri Yanti Ocha Pratika Popi Adiyes Putra Purnama Ramadani Silalahi Rahmat Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza Raisa Muthia Syahrani Hasibuan Rakhmad Bahagia Rani Febriyanni Rica Rahim Lubis Ridho Khairi Affandi Rika Umbaiyani Ritonga Riki Pranata Ririn Anjani Rangkuti Riska Dwi Prasasti Riski Khaliq Riziq Ahmad Pulugan Rizki Munaito Siregar Saparuddin Siregar Saragih, Fitriani Silalahi, Purnama Ramadani Simamora, Siti Anisa Siregar, Ajizah Syahfitri Siti Anisa Simamora Sri Ayu Fadhilah Sri Sudiarti Sri Wahyuni Sri Wulandari Bugis Sudirman Suparmin Syuhada Fela Yudha Tambunan, Khairina Tanjung, Tia Nava Utari Tapi Rumondang Sari Siregar Tasya Yustika Putri Tentiyo Suharto Tira Syahira Uci Roito Anggina Nst Vebry Andrian Vivi Novika Wahyu Syarvina Wardatul Umayya Gea Widy Hastuti Windi Mariska Suryani Siregar Yenni Samri Juliati Nasution Yenni Samri Juliati Nasution Yunanda Dela Zhara Hafizha zuhra, fathia Zuhrinal M. Nawawi Zulhasby Assidqy Nasution