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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) SENTRALISASI 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 Al-Kharaj: Journal of Islamic Economic and Business 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 Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Journal Economy And Currency Study (JECS) Ilomata International Journal of Management 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 Ilmiah Manajemen, Ekonomi dan Akuntansi Islamiconomic: Jurnal Ekonomi Islam 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 Al-Hiwalah : Journal Syariah Economic Law Madani: Multidisciplinary Scientific Journal Paradoks : Jurnal Ilmu Ekonomi Jurnal Akuntansi Manado (JAIM) JAKBS Journal of Islamic Economics and Finance Jurnal REP (Riset Ekonomi Pembangunan) Promotor: Jurnal Mahasiswa Kesehatan Masyarakat JAT (Journal of Accounting and Tax) Student Research Journal Jurnal Ilmiah Ekonomi dan Manajemen IIJSE Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Neraca Manajemen, Akuntansi, dan Ekonomi Cantaka: Jurnal Ilmu Ekonomi dan Manajemen Majapahit Journal of Islamic Finance dan Management International Conference on Islamic Economic Jurnal Akuntansi dan Keuangan Islam (JAKIs) Majapahit Journal of Islamic Finance dan Management Ghaly: Journal of Islamic Economic Law Al-Istimrar: Jurnal Ekonomi Syariah Jurnal Pengabdian Masyarakat Ekonomi dan Bisnis Digital Danadyaksa: Post Modern Economy Journal Proceeding International Conference on Islamic Economics Community Services 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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Assessing the Contribution of Hajj Savings Customers and Hajj Savings Deposits to Third-Party Fund Growth Windy Adinda Sari; Tuti Anggraini; Nurul Inayah
International Conference on Islamic Economic (ICIE) Vol. 5 No. 1 (2026): April
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/sqqfen52

Abstract

Third-Party Funds (TPF) are the primary funding source for Islamic banks, yet the increasing number of customers does not always correspond to optimal growth in TPF. Likewise, although Hajj Savings based on the Wadiah Yad Dhamanah contract have become an increasingly popular savings product, empirical evidence regarding their contribution to TPF growth remains limited, particularly in regional Islamic banks. This study aims to examine the contribution of the number of customers and Hajj Savings funds under the Wadiah Yad Dhamanah contract to the growth of Third-Party Funds at PT Bank Sumut Sharia Sub-Branch Office Panyabungan. This study employed a quantitative associative approach using quarterly secondary data for the 2021–2025 period. Data were analyzed using multiple linear regression with SPSS. The findings reveal that the number of customers and Hajj Savings funds each have a positive and significant effect on Third-Party Funds, and jointly explain 85.3% of the variation in TPF growth. The study contributes empirical evidence that optimizing Hajj Savings products, alongside customer growth, can strengthen sustainable Third-Party Fund mobilization strategies in regional Islamic banking institutions.
The Influence Of Fintech Technology In Digital Wallet Services On Gen Z Purchases On FEBI UINSU Students Gymnasti Febriani; Muhammad Irwan Padli Nasution; Tuti Anggraini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 4 (2025): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v7i4.8041

Abstract

This study aims to determine the effect of perceived convenience, trust, and supporting facilities as services from digital wallets. The research method used in this research is quantitative with multiple linear regression analysis as the analysis tool. The population of this study were economics and Islamic business students of UIN SU in 2024 as many as 1,130 students. The sample in this study was random sampling, namely by taking respondents randomly and producing 92 respondents. While data analysis uses SPSS 20, Classical Assumption Test, Multiple Linear regression and Hypothesis Test to test data statistically. The results of this study indicate that: (1) Significant value for Convenience of 0.780 and Trust of 0.556 this value> 0.05 from these results shows that there is no significant influence between the variables of Convenience and Trust on purchasing actors at UIN SU Students. (2) Significant value for Facilities, amounting to 0.000, this value is smaller than 0.05 from these results shows that there is a significant influence between the Facility variable on purchasing actors on UIN SU students which is supported by the high interest of students to use attractive features such as cashback and discounts offered by digital wallets to meet their transaction needs.
Implementation of Integrated Marketing Communication in Enhancing the Competitiveness of the Cicil Emas Product Based on Maqashid Syariah at BSI KCP Medan AH. Nasution Kennadem Kurnia Putri; Muhammad Syukri Albani Nasution; Tuti Anggraini
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.646

Abstract

This study examines the implementation of Integrated Marketing Communication (IMC) in enhancing the competitiveness of the Cicil Emas (Gold Installment) product at Bank Syariah Indonesia (BSI) KCP Medan AH. Nasution, based on the values of maqashid syariah. Using a qualitative case study approach, data were collected through interviews, observations, and document analysis to explore how IMC strategies support the bank’s efforts in promoting sharia-based products. The findings indicate that IMC plays a strategic role in strengthening BSI’s market position through the integration of advertising, public relations, literacy education, and digital marketing. The study also reveals that aligning IMC with maqashid syariah, particularly hifz al-maal (protection of wealth) and al-‘adl (justice), helps ensure that every marketing message reflects ethical and spiritual values. Despite challenges such as fluctuating gold prices and limited public literacy, the synergy between IMC and maqashid principles has enhanced customer trust and increased product participation. This research emphasizes that sharia-based IMC is not merely a marketing tool but a means of Islamic economic da’wah, fostering sustainable competitiveness grounded in transparency, justice, and blessings.  
Golden Gallery's Business Development Strategy Based on Sharia Financing Needs through Partnerships and a Marketing Mix of Services Muhammad Hafizhan Fakhri; Zuhrinal M Nawawi; Tuti Anggraini
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.804

Abstract

This study analyzes the business development of Golden Gallery, an MSME operating in the bridal gown rental service, which faces limited business capacity, particularly in terms of the quantity and variety of its fashion collections amid increasing competition in the wedding service industry. The research focuses on evaluating the service marketing mix, business partnerships, and the feasibility of Islamic financing as strategic efforts to support business expansion. A mixed methods approach with a case study design was employed, utilizing in-depth interviews and consumer questionnaires as supporting data. The findings indicate that Golden Gallery demonstrates strong marketing performance with a high level of customer satisfaction. However, limitations in fashion collections remain a major constraint in meeting market demand. From an Islamic banking perspective, Golden Gallery is considered eligible for financing through a murabahah scheme to enhance business capacity, strengthen competitiveness, and ensure business sustainability. These findings reinforce the importance of Islamic financing approaches that are grounded in the strategic needs of MSMEs rather than solely financial considerations.
Analysis of Micro Financing Product Development at BSI KCP Stabat Ahmad Firdaus Lingga; Sugianto; Tuti Anggraini
Al-Kharaj: Journal of Islamic Economic and Business Vol. 8 No. 1 (2026): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v8i1.9492

Abstract

This study aims to analyze first, BSI's microfinance products, second, the obstacles and challenges of marketing BSI's microfinance products, and third, the strategy and process of developing BSI microfinance products. The research method used is a qualitative descriptive approach with data collection through observation, interviews, documentation and surveys to customers and related parties of one of BSI's branch offices. The results of the study show that BSI's microfinance products, such as KUR Super Micro, KUR Micro, and non-KUR products, are designed according to sharia principles with an easy application process and supported by service digitization. This product has a significant positive impact on increasing capital, production capacity, income, and welfare of MSME actors. However, product development still faces obstacles such as low Islamic financial literacy, complex administrative requirements, high micro business risks, and limited access in remote areas. The market opportunity for sharia microfinance is very large considering the large MSME segment and the support of government regulations. Therefore, effective development strategies include product innovation, increasing financial literacy, using digital technology, strengthening partnerships, and improving human resource competence
Analysis of the Application of the Local Government Information System (SIPD) in Realizing Transparency and Accountability at the Regional Finance and Revenue Management Agency (BPKPD) of Binjai City (Centralization) Lisa Raihanatul Husna; Laylan Syafina; Tuti Anggraini
SENTRALISASI Vol. 15 No. 3 (2026): September
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v15i3.5848

Abstract

This study aims to analyze the implementation of the Regional Government Information System (SIPD) in realizing regional financial transparency and accountability in the Binjai City BPKPD, with a special focus on the transition period from SIMDA to SIPD. The research uses a descriptive qualitative approach with a case study design. Data was collected through semi-structured in-depth interviews with five informants, non-participatory observations, and a documentation study of the Binjai City BPKPD Strategic Plan 2025-2029. The analysis used the interactive model of Miles, Huberman, and Saldana (2014) which was interpreted through the six-dimensional model of the DeLone and McLean (2003) Model. The results of the study reveal an asymmetrical effectiveness profile: the quality of information and the use of the system are considered effective; the quality of the system and user satisfaction are quite effective; Meanwhile, the quality of service is less effective due to the absence of formal technical guidance. The net benefits are realized through real-time data transparency and a permanent audit trail, although the full potential of SIPD has not been fully realized as confirmed by the Binjai City BPKPD Strategic Plan 2025-2029. 
Implementation of Integrated Marketing Communication in Enhancing the Competitiveness of the Cicil Emas Product Based on Maqashid Syariah at BSI KCP Medan AH. Nasution Kennadem Kurnia Putri; Muhammad Syukri Albani Nasution; Tuti Anggraini
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.646

Abstract

This study examines the implementation of Integrated Marketing Communication (IMC) in enhancing the competitiveness of the Cicil Emas (Gold Installment) product at Bank Syariah Indonesia (BSI) KCP Medan AH. Nasution, based on the values of maqashid syariah. Using a qualitative case study approach, data were collected through interviews, observations, and document analysis to explore how IMC strategies support the bank’s efforts in promoting sharia-based products. The findings indicate that IMC plays a strategic role in strengthening BSI’s market position through the integration of advertising, public relations, literacy education, and digital marketing. The study also reveals that aligning IMC with maqashid syariah, particularly hifz al-maal (protection of wealth) and al-‘adl (justice), helps ensure that every marketing message reflects ethical and spiritual values. Despite challenges such as fluctuating gold prices and limited public literacy, the synergy between IMC and maqashid principles has enhanced customer trust and increased product participation. This research emphasizes that sharia-based IMC is not merely a marketing tool but a means of Islamic economic da’wah, fostering sustainable competitiveness grounded in transparency, justice, and blessings.  
Golden Gallery's Business Development Strategy Based on Sharia Financing Needs through Partnerships and a Marketing Mix of Services Muhammad Hafizhan Fakhri; Zuhrinal M Nawawi; Tuti Anggraini
Majapahit Journal of Islamic Finance and Management Vol. 6 No. 1 (2026): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v6i1.804

Abstract

This study analyzes the business development of Golden Gallery, an MSME operating in the bridal gown rental service, which faces limited business capacity, particularly in terms of the quantity and variety of its fashion collections amid increasing competition in the wedding service industry. The research focuses on evaluating the service marketing mix, business partnerships, and the feasibility of Islamic financing as strategic efforts to support business expansion. A mixed methods approach with a case study design was employed, utilizing in-depth interviews and consumer questionnaires as supporting data. The findings indicate that Golden Gallery demonstrates strong marketing performance with a high level of customer satisfaction. However, limitations in fashion collections remain a major constraint in meeting market demand. From an Islamic banking perspective, Golden Gallery is considered eligible for financing through a murabahah scheme to enhance business capacity, strengthen competitiveness, and ensure business sustainability. These findings reinforce the importance of Islamic financing approaches that are grounded in the strategic needs of MSMEs rather than solely financial considerations.
The Influence of Future Package Financing (PMD) and Facilitator Assistance on Women's Empowerment in Developing Family Economy: A Sharia Microfinance Perspective (Case Study on BTPN Syariah Customers in Medan Labuhan) Yeni Yolanda; Imsar Imsar; Tuti Anggraini
Indonesian Journal of Islamic Economics and Finance Vol. 6 No. 2 (2026)
Publisher : Institut Agama Islam Sunan Giri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37680/ijief.v6i2.10223

Abstract

This research aims to analyze the influence of the Future Package Financing (PMD) program and the role of facilitator assistance on women's empowerment in developing family economics among BTPN Syariah customers in the Medan Labuhan area. The research method used is a quantitative approach with an associative design, involving 97 respondents selected through purposive sampling techniques and analyzed using multiple linear regression via SPSS software. The research results show that PMD Financing and Facilitator Assistance, both partially and simultaneously, have a positive and significant effect on women's empowerment, with regression coefficients of β1 = 0.315 (t = 4.125, p < 0.05) for PMD Financing and β2 = 0.339 (t = 4.428, p < 0.05) for Facilitator Assistance, indicating that Facilitator Assistance has a relatively stronger influence compared to the financing variable. The combination of these two variables is able to explain 65.4% of the changes in the level of family economic empowerment (R2 = 0.654). In conclusion, access to capital supported by capacity building through intensive assistance is the main key in realizing the economic independence of female customers. It is recommended that BTPN Syariah enhance the frequency and quality of financial management training modules during Sentra group meetings and consider incentive-based financing schemes for customers with good repayment records to maximize the impact of the empowerment program. Future research is expected to incorporate external macro factors and broader geographic coverage to strengthen generalizability.
Optimizing Purchase Decisions through Product Quality and Price on Retail MSMES fathia zuhra; Ajizah Syahfitri Siregar; Tia Nava Utari Tanjung; Tuti Anggraini
Proceeding International Conference on Islamic Economics Community Services (ICIECS) Vol 1 (2023): Proceeding International Conference on Islamic Economics Community Services
Publisher : Universitas Islam Negeri Sumatera Utara

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

Abstract

The study aims to analyze the impact of product quality and price on consumer purchasing decisions at Toko Gopek Medan. A quantitative method using multiple linear regression was employed. The findings reveal that product quality significantly influences purchasing decisions, with a positive regression coefficient indicating that improvements in product quality can enhance consumer purchasing decisions. Conversely, price does not show a significant effect on purchasing decisions, as evidenced by a p-value greater than 0.05. The adjusted R-squared value of 0.868 indicates that approximately 86.8% of the variation in purchasing decisions can be explained by product quality and price. These results suggest that Toko Gopek Medan should focus its marketing efforts on enhancing product quality to attract more consumers and increase sales. This research provides strategic insights for the future development of Toko Gopek's business.
Co-Authors Abdul Kholid Azhari Ade Khadijatul Z. HRP Ade Sakila Ade Syafitri Ade Syafitri Afrila Ayunda Ahmad Firdaus Lingga Ahmad Muhajir Ahmad Perdana Indra Ahmad Perdana Indra Ahmad Riyansyah Ahmad Sabili Yuhda Aida Fitri Nasution Aida Sulam Tambak Ajizah Syahfitri Siregar Alfathul Hisabi 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 Annisa Zuhra Anriza Witi Nasution Anton Anton Aqwa Naser Daulay Ardi Prayetno Arnida Wahyuni Lubis 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 Fathia Zuhra Nasution Fatwa Nasya Al Hadi Fitri Fitriani Fitriani Fitriani Lestari Frida Yanti Sirait Gymnasti Febriani Handoko, Dodi Okri Hasnia Ananda Harahap Hendra Harmain Herlina Herlina Hilman Fauzi Harahap Ian Alfian Icarestika Waluyani Imsar Imsar Indra Prawira Intan Fitri Panisa Harahap Intan Juwita Damanik Irgi Iqbal Isna Maulida Jannah, Nurul Juliana Nasution Kennadem Kurnia Putri Khoirun Niswah Kusmilawaty Kusmilawaty Laylan Syafina Lisa Raihanatul Husna Lufriansyah, Lufriansyah M. Ikhsan Harahap M. Yasir Salim Pardede M. Yoga Pratama Harahap Maisyaroh, Elvira Marliyah Marliyah Marliyah Masleni Nasution Mawaddah Irham Maya Oktavia Dalimunthe Mhd. Farhan Mukti Muhammad Aldi Pratama Muhammad Arif Muhammad Aulia Fajri Muhammad Fikri Adrian Muhammad Hafizhan Fakhri Muhammad Lathief Ilhamy Nasution Muhammad Lathief Ilhamy Nst Muhammad Latief Ilhamy Nasution Muhammad Reza Iriawan Muhammad Rhenz Nanda Muhammad Riduan 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 Nasution, Muhammad Irwan Padli Natasya Olivia Ningrum Nazla Khairina 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 Nurul Inayah Nurul Inayah Nurul Ni&#039;mah Qodriyah Nurwani 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 Anggiani Simbolon Rizki Munaito Siregar Saparuddin Siregar Saragih, Fitriani Senly Ardalena Damanik Silalahi, Purnama Ramadani Simamora, Siti Anisa Siti Anisa Simamora Sri Ayu Fadhilah Sri Sudiarti Sri Wahyuni Sri Wulandari Bugis Sudirman Suparmin Sugianto Suharto, Tentiyo Syuhada Fela Yudha Tambunan, Khairina Tapi Rumondang Sari Siregar Tasya Yustika Putri Tetty Handayani Siregar Tia Nava Utari Tanjung Tira Syahira Uci Roito Anggina Nst Vebry Andrian Vivi Novika Wahyu Syarvina Waizul Qarni Wardatul Umayya Gea Widy Hastuti Widya Susanty Windi Mariska Suryani Siregar Windy Adinda Sari Yeni Yolanda Yenni Samri Juliati Nasution Yenni Samri Juliati Nasution Yunanda Dela Zhara Hafizha Zuhrinal M Nawawi Zuhrinal M. Nawawi Zulhasby Assidqy Nasution