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Pendidikan) Owner : Riset dan Jurnal Akuntansi At-Tawassuth: Jurnal Ekonomi Islam JURNAL PENDIDIKAN TAMBUSAI Jurnal Pendidikan Ekonomi (JURKAMI) YUME : Journal of Management Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS JAE (Jurnal Akuntansi dan Ekonomi) Inovasi: Jurnal Ilmiah Ilmu Manajemen Academy of Education Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) JIMEK : Jurnal Ilmiah Mahasiswa Ekonomi Jurnal Wacana Ekonomi Journal of Management and Business Innovations Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business Management Studies and Entrepreneurship Journal (MSEJ) Akubis: Jurnal Akuntansi dan Bisnis Optima : Jurnal Ilmiah Agribisnis, Ekonomi dan Sosial RESLAJ: RELIGION EDUCATION SOCIAL LAA ROIBA JOURNAL Al-Mutharahah: Jurnal Penelitian dan Kajian Sosial Keagamaan Aghniya: Jurnal Ekonomi Islam JURMA : Jurnal Program Mahasiswa Kreatif Jurnal Inovasi Penelitian Journal Informatic, Education and Management (JIEM) Jurnal Manajemen Pendidikan dan Ilmu Sosial (JMPIS) Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Economics and Digital Business Review Bisnis Net : Jurnal Ekonomi dan Bisnis International Journal on Social Science, Economics and Art Jurnal Investasi Islam El-Mujtama: Jurnal Pengabdian Masyarakat JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen PRAJA observer: Jurnal Penelitian Administrasi Publik juremi: jurnal riset ekonomi Journal of Vision and Ideas (VISA) Journal of Law, Administration, and Social Science Journal of Islamic Economic and Business Research Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE International Journal of Science and Society (IJSOC) Jurnal Ekonomi dan Bisnis Islam (JEBI) EKSYA: Jurnal Ekonomi Syariah Journal of Management and Business Journal of Student Development Informatics Management (JoSDIM) Jurnal Ekonomika Dan Bisnis Jurnal Ekonomi Syariah dan Bisnis Economic Reviews Journal el-Amwal Jurnal Ekonomi dan Manajemen (JEKMA) Journal Research of Economics and Bussiness Jurnal Trisna Riset Kasta: Jurnal Ilmu Sosial, Agama, Budaya dan Terapan Gemilang: Jurnal Manajemen dan Akuntansi International Review of Practical Innovation, Technology and Green Energy (IRPITAGE) Journal of Islamic Economics and Business Journal of Public Representative and Society Provision Transformasi: Journal of Economics and Business Management Student Scientific Creativity Journal Indonesia Auditing Research Journal Journal of Social Commerce Moneter : Jurnal Keuangan dan Perbankan Regress: Journal of Economics & Management Innovative: Journal Of Social Science Research Amkop Management Accounting Review (AMAR) Jurnal Riset Akuntansi Jurnal Riset Ekonomi dan Akuntansi e-Jurnal Apresiasi Ekonomi Journal of Islamic Economics and Finance Journal of Economics and Management Scienties Gudang Jurnal Multidisiplin Ilmu International Journal of Multidisciplinary Research of Higher Education (IJMURHICA) Jurnal Manajemen, Ekonomi, Hukum, Kewirausahaan, Kesehatan, Pendidikan dan Informatika (MANEKIN) Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Jurnal Serambi Ekonomi dan Bisnis Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah IIJSE Journal of Islamic Economics and Finance El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam ISTIFHAM Proceeding of International Conference on Multidisciplinary Research Jurnal Ekonomi JER Journal of Social Work and Science Education RUBINSTEIN EKOBIMA Ekonomi Bisnis dan Manajemen ManBiz: Journal of Management and Business Journal of Sharia Business Management Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Taqaddum : Community Service Journal Journal of Ekonomics, Finance, and Management Studies Proceeding International Conference on Islamic Economics Community Services INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Bata Ilyas Educational Management Review As-Syirkah: Islamic Economic & Financial Journal Urwatul Wutsqo : Jurnal Studi Kependidikan dan Keislaman International Journal of Islamic Business Management JURNAL ECONETICA: Jurnal Sosial, Ekonomi Dan Bisnis Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Jurnal Ekonomi, Bisnis & Entrepreneurship (e-Journal) Jurnal Akuntan Publik
Arifin Fauzi Lubis
Universitas Islam Negeri Sumatera Utara
Religion Aerospace Engineering Agriculture, Biological Sciences & Forestry Arts Humanities Biochemistry, Genetics & Molecular Biology Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mechanical Engineering Public Health Social Sciences Other

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THE EFFECT OF AGENT COMPETENCY, PERFORMANCE AND COMMUNICATION IN INCREASING CUSTOMER TRUST IN PT. ASURANSI UMUM BUMI PUTERA MUDA 1967 MEDAN BRANCH Ujung, Siti Khoiriyah Karina; Lubis , Fauzi Arif; Nasution, Yenni Samri Juliati
International Journal of Cultural and Social Science Vol. 6 No. 3 (2025): International Journal of Cultural and Social Science
Publisher : Pena Cendekia Insani

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53806/ijcss.v6i3.1114

Abstract

Customer trust is a major factor in the insurance industry, especially in maintaining customer loyalty and increasing business growth. The purpose of this study was to study the influence of agent performance and communication with PT Asuransi Umum Bumi Putera Muda 1967 Medan Branch Office on the level of customer trust. This study was conducted with a quantitative approach through the use of the structural equation method (PLS-SEM). Data were collected from 89 customers who were currently active in the company. The results showed that agent performance did not have a significant effect, but agent ability and communication had a significant positive impact on customer confidence. The findings of this study revealed that increasing competence can strengthen consumer trust and agent communication, while increasing agent performance does not directly increase customer trust. Therefore, companies need to emphasize agent competency training and strengthen effective communication with customers in order to improve long-term relationships.
Effectiveness of Murabahah-Based Business Capital Financing at PT. BPRS Puduarta Insani Ningsih, Sri Rahayu; Tri Inda Fadhila Rahma; Fauzi Arif Lubis
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.v5i2.2825

Abstract

Business capital financing is one type of financing offered to help business owners obtain funds to develop their business. In this scheme, BPRS Puduarta Insani acts as a representative to purchase goods from third parties and sell them to customers at a predetermined profit margin. The research method used is descriptive qualitative with a case study approach. Data was collected through direct interviews with three customers who received murabahah financing, as well as documentation and field observations. The research results indicate that the implementation of murabahah contracts at BPRS Puduarta Insani is in accordance with Sharia principles and established procedures. Based on five effectiveness indicators—Sharia compliance, return rate, financing quality, customer satisfaction, and target accuracy—it can be concluded that this financing is quite effective. However, there are still external challenges such as fluctuations in business income and low sharia financial literacy, which affect the smooth repayment of installments by some customers. Therefore, improvements in education and flexibility in the financing scheme are needed to further enhance effectiveness.
Fintech Analysis of E-Mas Development at Bank Syariah Indonesia KCP Adam Malik Medan Qamara, Lisa; Fauzi Arif Lubis; Aslami, Nuri
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (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.v7i2.7461

Abstract

This study aims to analyze the impact of Fintech on the development of E-Mas products at Bank Syariah Indonesia (BSI) KCP Adam Malik Medan. E-Mas products, as an innovation in Islamic banking, must fulfill sharia principles such as clear ownership and legal contracts. This research uses a qualitative approach with Field Research method to explore in depth the influence of Fintech on the development of e-mas services at Bank Syariah Indonesia (BSI) KCP Adam Malik Medan. Data was collected through interviews. The results showed that Fintech plays a positive role in accelerating the digitalization of Islamic banking and increasing gold investment literacy in the community, especially among parents. Nonetheless, Gen Z customers show greater interest in the use of e-mas and other digital features. The success of these services depends not only on technological sophistication, but also on the effectiveness of education, digital infrastructure readiness, and sharia integrity. Therefore, collaboration between banks, regulators, and the community is essential to develop a fair, inclusive, and sustainable Islamic Fintech ecosystem.
The Influence of Affiliate Marketing and Content Reviews on the TikTok Application on the Consumptive Behavior of the New Generation of Indonesians (GenBI) in 11 Regions of North Sumatra Aulia, Syaikah Nabilah; Lubis, Fauzi Arif; NUrbaiti, Nurbaiti
Al-Kharaj: Journal of Islamic Economic and Business Vol. 7 No. 2 (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.v7i2.7530

Abstract

This study was conducted with the aim of determining the effect of Affiliate Marketing and Content Review on the TikTok application on the consumer behavior of the new generation of Indonesia (GenBI) 11 in the North Sumatra region. The type of research used is quantitative research. The population in this study were members of GenBI 11 in North Sumatra, consisting of 475 students from 8 universities, namely USU, UNIMED, UINSU, UMA, UNPAB, POLMED, UHN, and UMSU. From this population, the number of samples was determined using the Slovin formula in this quantitative study as many as 83 respondents with a purposive sampling technique. The data collection technique in this study used a questionnaire with a Likert measurement scale. The data analysis method used was multiple linear regression analysis using the Statistical Program for Social Science (SPSS). In this study, the results obtained were that Affiliate Marketing (X1) had a positive and significant influence on consumer behavior (Y), while Content Review did not have a significant influence on consumer behavior (Y). However, Affiliate Marketing (X1) and Content Review (X2) have a significant influence simultaneously on the consumer behavior (Y) of the New Generation of Indonesia (GenBI) 11 in the North Sumatra region.
ANALISIS FAKTOR-FAKTOR PENYEBAB TERJADINYA PENOLAKAN SUATU KLAIM NASABAH ASURANSI (STUDI KASUS PADA ASURANSI JIWA SYARIAH BUMIPUTERA KANTOR PEMASARAN MEDAN) Dwita Fratiwi; Fauzi Arif Lubis; Nurul Inayah
EKSYA : Jurnal Ekonomi Syariah Vol 4 No 2 (2023): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56874/eksya.v4i2.1233

Abstract

The purpose of this study is to identify the factors that cause the rejection of customer claims by insurance companies. Insurance is a form of protection or contract between the insured and the insurer when the insured is required to pay premiums or contributions to the insurance company, and the insurer has the full obligation to guarantee payment in the event of unexpected losses in accordance with the agreement that has been made. This research is qualitative research. This study focuses on the causes of claim rejection by insurance companies in Bumiputera Sharia Life Insurance. The results of this study determine that the cause of claim rejection affects the rejection of claims at Bumiputera Sharia Life Insurance.
Financial Structuring as a Pathway to Enterprise Readiness through MSMEs Financial Accounting Standards Implementation in Indonesian Microenterprises Rahmadani, Mutia; Lubis, Fauzi Arif
Journal of Social Commerce Vol. 5 No. 1 (2025): Journal of Social Commerce
Publisher : Celebes Scholar pg

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56209/jommerce.v5i1.160

Abstract

The current study aims at exploring how Financial Accounting Standards of Micro, Small, and Medium Entities (SAK EMKM) may increase the effectiveness of financial management and the readiness of groundwork on institutional and digital integration among Indonesian microenterprises. The research makes use of a qualitative case study design by examining a laundry business located in Jaharun A Village, Deli Serdang Regency as the typical case of a non-use firm using no digital tools, absence of formal accounting records, or institutional connection. The search of information was conducted by conducting in-depth interviews, observation on the site, and complementary documents. Analysis of the collected data was carried out by aligning the current financial practices of the enterprise with standards of SAK EMKM. Investigations reveal that the company keeps very limited and hand-written incomes i.e. expenditure books, there is no categorization of assets, liabilities or profits, and there is also no separation between business and personal accounts. Such constraints are not only based on the lack of accounting expertise but are also strongly influenced by behavioral acceptability, resource availability and lack of institutional support. However, the findings reveal that, being implemented in doses and within a specified context, SAK EMKM may successfully restructure financial conduct and address the reinforcement of internal control, as well as development of trusting relationships with third-party stakeholders. Therefore, the SAK EMKM serves as a compliance tool, and as such, as an infrastructure link to informal and inclusion.
OPERATIONAL ANALYSIS OF PARTIAL LOSS AND THIRD PARTY ON AUTOMOBIL ASSURANCE IN PT. ASKRIDA SYARIAH BRANCH MEDAN Sari, Sekar; Lubis, Fauzi Arif; Syahriza, Rahmi
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.317

Abstract

Sharia insurance, especially car insurance, is wide open because the majority of Indonesian people are Muslims and the volume of motor vehicles (Mobiles) is also increasing so rapidly. Besides, the Muslim community has already realised how important it is to be an insurance member. As for the purpose of this research to find out how the management mechanism of partial loss and third party on car insurance in PT. Askrida Insurance Shariah Cab. Field, whether partial loss and third party mechanisms are in line with Islamic financial theory. This research uses inductive qualitative methods with descriptive analysis. This type of research is field research. (field research). This research data includes primary data and secondary data. Research site in PT. Askrida Insurance Shariah Cab. Field, Jl. Sei Batang Assaangan No.43, Babura, Kec, New Field, Medan City, North Sumatra 20222. In data collection using observation methods, interviews, and documentation.. Based on the analysis that the researchers have done, then the results of this study is known that the shariah insurance concerning partial loss and third party on Vehicles in PT. Askrida Insurance Shariah Cab. Fields are in line with Islamic financial theory. Because in the practice of partial loss and third party at PT. Askrida Insurance Shariah Cab. The fields have already used the tabarru's accreditation and the urah's bill, as well as the claims, allocations of funds, and benefits that are in line with the concepts of Islamic financial theory.
USER GENERATED CONTENT ANALYSIS AND MARKETING STRATEGIES AND THEIR IMPLICATIONS IN THE EXISTENCE OF AIR PHILM (Case Study: KKN Film in Danari Village) Nabilahpurba, Nabilahpurba; Lubis, Fauzi Arif; Nurbaiti, Nurbaiti
Moneter: Jurnal Keuangan dan Perbankan Vol. 11 No. 2 (2023): OKTOBER
Publisher : Universitas Ibn Khladun Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/moneter.v11i2.381

Abstract

The research aims to analyze the extent to which the role of user generated content in developing marketing strategies as Internet technology progresses as well as the implications of the application of user-generated content into the existence of home films. The research method used is a qualitative method with a descriptive scale that uses a case study approach. Data collection in this study was obtained through the observation of literature sources and other documentation related to consumer interest in making purchasing decisions. The results show that user generated content plays an important role in developing a business strategy. This is proved by the expression of a film producer who has already received very satisfactory results. The User Generated Content strategy has become a strategy that has a major impact on film production because User generated content plays an active role in its promotion process. Some important roles of user generated content are: 1) Increase traffic organically 2) More consumer confidence 3) Save costs. And the implication is being able to introduce the existence of a hometown film with a short duration of time that is able to make a lot of people feel curious to watch the movie.
Analysis Of Home Industry-Based Umkm Development From A Maslahah Perspective (Case Study: Monik Bread In Kualuh Hulu District) Khairani, Khairani; Lubis, Fauzi arif; Harahap, Muhammad Ikhsan
Moneter: Jurnal Keuangan dan Perbankan Vol. 13 No. 2 (2025): JULI
Publisher : Universitas Ibn Khladun Bogor

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

Abstract

This study aims to analyze the development of Micro, Small, and Medium Enterprises (MSMEs) based on home industry from the Maslahah perspective, with a case study on the monik bread business in Kualuh Hulu District. The results of this study indicate that the existence of this home industry can create jobs and improve the welfare of the surrounding community. With the maslahah approach, this study is used to assess the extent to which this business provides benefits from both basic needs (dharuriyah), complementary (hajiyyah), and perfecting (tahsiniyyah) aspects. In addition, this study also uses a business model canvas (BMC) analysis to evaluate the monik bread business model by looking at customer segments, value propositions, distribution channels, customer relationships, sources of income, resources, main activities, main partnerships, and cost structures. The research method used is qualitative research with interview techniques, observation, and documentation of business owners. The results of the study show that the development of the Roti Monik business not only contributes to local economic growth, but also fulfills maslahah values, such as opening up job opportunities, increasing income, and maintaining the quality of halal and thayyib products. Through the implementation of BMC, this business is able to optimize its resources and activities so that the business model being run is effective and sustainable.
Pengaruh Inovasi, Pengambilan Risiko, dan Reaksi Proaktif terhadap Kapabilitas Pemasaran UMKM Kuliner di Kecamatan Tanjung Morawa Fahani, Tania Azura; Lubis, Fauzi Arif; Nurbaiti, Nurbaiti
Journal of Economics and Management Scienties Volume 7 No. 4, September 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i4.222

Abstract

Kapabilitas pemasaran merupakan faktor penting bagi keberlangsungan dan pertumbuhan UMKM, terutama dalam sektor kuliner yang bersifat kompetitif dan dinamis. Kecamatan Tanjung Morawa memiliki potensi besar melalui 408 UMKM kuliner yang tersebar, namun masih banyak yang mengalami kendala dalam mengembangkan strategi pemasaran yang efektif. Penelitian ini bertujuan untuk mengetahui pengaruh Inovasi, Pengambilan Risiko, dan Reaksi Proaktif terhadap Kapabilitas Pemasaran UMKM Kuliner di Kecamatan Tanjung Morawa. Metode yang digunakan adalah penelitian kuantitatif dengan pendekatan Partial Least Square (PLS) berbasis Structural Equation Modeling (SEM). Data diperoleh melalui penyebaran kuesioner kepada 80 pelaku UMKM di Kecamatan Tanjung Morawa. Hasil penelitian menunjukkan bahwa Inovasi dan Reaksi Proaktif berpengaruh positif dan signifikan terhadap Kapabilitas Pemasaran UMKM. Inovasi berperan melalui pengembangan produk dan pemanfaatan media digital, sedangkan reaksi proaktif mendorong UMKM untuk responsif terhadap perubahan pasar. Sebaliknya, Pengambilan Risiko tidak berpengaruh signifikan, yang mengindikasikan bahwa pelaku UMKM cenderung berhati-hati dalam mengambil keputusan yang mengandung ketidakpastian. Temuan ini menegaskan bahwa untuk meningkatkan kapabilitas pemasaran, UMKM perlu memperkuat inovasi dan membangun pola pikir yang proaktif dalam menghadapi dinamika pasar.
Co-Authors Abdi Mitro Giripati Abror, Ruli ADELIA Adinda Rizki Fadilah Ahmad Fikri Ihsan Nasution Ahmad Habib Pinim Ahmad Habib Pinim Ahmad Muhaisin B. Syarbaini ahmad syauqi, ahmad Aisha Alvia Aisyah Aisyah Alviana Sahrini Nasution Ananda Putri Azni Mtd Andi Soemitra Andri Soemitra Andri Soemitra Andri Soemitra Anisa Bella Saragih Annisa Hafizzah Hutabarat Annisa Namira Annisa Putri Annisa Thaharah Annsa Putri Aqwa Naser Daulay Aqwa Naser Daulay Aqwa Naser Daulay Aqwa Naser Daulay Ardiansyah, Muhammad Rajab Ardina Khoirunnisa Harahap Ardina Khoirunnisa Harahap Ariska, Ayu Arnida Wahyuni Lubis Arnida Wahyuni Lubis Arya Duta Permana Pane Ashabul jannah siregar Asiatun Maulina Munthe Asmaul Husna Asmaul Mutiah Atha, Muhammad Alwan Atika atika Atika Atika Atika Atika Aulia Rahmah Pasaribu Aulia, Adinda Putri Aulia, Syaikah Nabilah Ayu Ashara Harahap Ayu Lestari Ayunda Syapa Azra Ayyub Ramadhan Azahra, Alma Azara, Pira Azhari Akmal Tarigan Azmi Rinaldi Nasution Azmi, Raisa Bi Rahmani, Nur Ahmadi Boangmanalu, Farida Hanum Burhanuddin Al-Butary Chadisa Rizky Ananda Chairani A Br Nasution Chanda Chansa Thelma Chuzaimah Batubara Chuzaimah Batubara Chuzaimah Batubara, Chuzaimah Citra Pratiwi Daulay, Suci Cut Nurul Azizah Darajatul Husna Dea Lora Veni Debby Nadillah Harahap Desfrida, Mardelia Desti Ramadayanti Dharma, Budi Dhea Ananda Saskia Dhita Lutfiah Dinda Delfi Permata Rambe Dira Azzahra Putri Dwita Fratiwi Eka Lestari Ellysa Pradina Elvina Sari Damayanti Elya Ramadhani Tambunan erlina mayasari siregar Erna Sipahutar Ervina Yulia Angkat Fachrunisa Winda Marpaung Fadila, Sheila Fadillatunnisa Fadillatunnisa Fadya Hanin Fahani, Tania Azura Fajar Dwi Ramadhan Sipa Fajri, Muhammad Aulia Fathiya Syahidah Nasution Fatin, Diyanah Ferdi Dermawan Nasution Fitri Diani Fitri Yani Fitria Hanum Friska, Nur Rani Frissai Gusminar Mutia Gita Kurnia Sari Sembiring Habilla Anshari Harahap , Muhammad Ikhsan Harahap, Lesti Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hardian Aditya Mingka Hasanah Azizi Hasibuan, Reni Ria Armayani Hayani, Mifta Hayati, Fitri Hendra Harmain Hernita, Hernita Ihsan Nasution, Ahmad Fikri Ikhsan Harahap, Muhammad Ikhwansyah Isranuri Ilfa Damayanti Andini Harahap Illiyyin Hanifah Maruhawa Imamah Khairiyah Imawanti, Yuki Dian Imsar Imsar Imsar Indah Kurniati Siregar Indah Simanjuntak Indradewa, Rhian Intan Kartika Putri Intan Sakina Br. Nasution Intan Vilja Aura Fazia Irham, Mawaddah Irma Rahmayani Marpaung Irma Yunita Irma Yunita Irna Permata Sari Ismu Hartarto Ismu Hartarto Julianto Isna Nurul Ain Isnaini Harahap Japakiya, Ismail Lutfi Juliana Nasution Kahfita Ardana Khadir, Abdul Khairani Khairani Khairina Tambunan Khairina Tambunan Khairiyah, Imamah Khairun Nisa Khairunnisa Azzahra Kholifah Kholifah Khotimah Nst, Husnul Kurnia Utami Pasi Laila Fitria Laksono Trisnantoro Lamsina Harahap Larasati, Diah Larasati Laura Okatarani Br Torong Layla Rahma Dani Laylan Syafina Lazuardi, Bayu Leli, Nur Liza Mutia Lubis, Chairunnisa Lubis, Siti Nurhaliza Lutfiah, Dhita M. Hafiz Farhan M. Hizbullah Hasibuan M. Lathief Ilhamy Nasution M. Yasir Nasution M. Yusuf Manna Wassalwa Manna Wassalwa Marisa Situmorang Marliyah Marlya Fatira AK Maulidina Raseuky Mayasari Lubis Mifta Hayani MIFTAHUL JANNAH Muallif Masyhuri Mubarak, M. Asidikki Mufidatul Husna Siregar Muhammad Ardiansyah Muhammad Arif Muhammad Arif Muhammad Arif Fadhillah Lubis Muhammad Habibi Harahap Muhammad Hizry Andriyantama Muhammad Ikhsan Harahap Muhammad Lathief Ilhamy Nasution Muhammad Naufal Muhammad Rafi Hagi Muhammad Syahbudi Muhammad Syahbudi Muhammad Syukri Albani Nasution Muhammad Yafiz Muhammad Yusuf Muhammadharris Suwandi Muhmmad Riduan Multamuddin Multamuddin Mutia, Frissai Gusminar Mutia, Liza Mutiara Sawitri Pane Mutthaqin, Muhammad Satrya Nabila Izmi Aina Nabilahpurba, Nabilahpurba Nainggolan, Natasya Salsabila Namira, Annisa Nasution, Annio Indah Lestari Nasution, Ansor Nasution, Juliana Nasution, M. Lathief Ilhamy Nasution, Sonya Melinda Nawawi, M Iqbal Nelsi Agustina Siburian Niken Rahmadyah Nikira, Nikira Nila Rosdiana Ningsih, Sri Rahayu Novita Tanjung Nur Afria Nanda Safitri Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani NUR AHMADI BI RAHMANI Nur Ahmadi Bi Rahmani Nur Aprillia Nur Wafiq Azizah Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti, N Nuri Aslami Nurlaila Nurlaila Nurlaila Nurlaila Nurlaila Nurlaila Nursantri Yanti Nurul Hafizah Nst Nurul Inayah Nurul Inayah Nurul Inayah Nurul Jannah Nurul Jannah Nurul Jannah Nurulfah Satria Dewi Nurwani Nurwani Nurwani Nurwani Nurwani, Nurwani Ongku Indramora Siregar Panisa Panisa Pasaribu, Zakiyah Khairani Pratista Andanitya Siregar Purnama Ramadani Silalahi Puspita, Nina Putri Sari Arafah Hasibuan Qamara, Lisa Rahmad Sahputra Tanjung rahmadani, mutia Rahmah Sari Lubis Rahmah, Dewi Chofifah Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Daim Harahap Rahmi Syahriza, Rahmi Ramadhani, Tri Azmi Raseuky, Maulidina Rawani, Ginie Aulia Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuan Reni Ria Armayani Hasibuhan Ria Armayani Hasibuan, Reni Ridwan, Aldy Rifaldi Ahmad Nasution Rina Aldila Rina Fitriani Rita Anggaraini Ritonga, Salfianti Riziq Agsyah Roslinda Harahap Rukmana, Nadia Mayang Safrida Safrida Salsabilla Siagian Saparuddin Siregar Saparuddin Siregar Sarah, Fauziah Sari, Sekar Sekar Sari Selfiani, Dwi Selvia Selvia Sembiring, Gita Kurnia Sari Septia Sakinah Rizki Utama Sholiha, Sintaini Fi Siagian, Salsabilla Silvia Handayani Siregar Silvia Retri Aldona Tampubolon Sintaini Fi Sholiha Siregar, Indah Kurniati Siregar, Rizki Kurnia Siregar, Suci Afria Sasty Siregar, Tarmiji Hamid Siska Junianti Br Perangin-angin Siska Junianti Br Perangin-angin Sitepu, Mhd Fadliq Ananta Siti Aisa Siti Nurhaliza Siti Saleha Sitompul, Siti Nur Aisah Sonya Melinda Nasution Sovianum, Sovianum Sri Ramadhani sri sudiarti Suci Citra Pratiwi Daulay Suryani, Atika Syach Falah, Rifqi Syah, Dwiki Wardana Tamarindika Manja Putri Tambunan, Khairina Titis Budi Prihatin Tri Azmi Ramadhani Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Inda Fadhilla Rahma Tuti Anggraini Tuti Anggraini Tuti Fitri Ani Siregar Ujung, Siti Khoiriyah Karina Wahyu Syarvina Widy Tri Sianuri Winda Amanda Sari Wulandari, Rika Y Yusrizal Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yohana Ariska Putri Nasution Yuki Dian Imawanti Yuni, Ika Darma Yusnita Ulfah Munthe Yusuf Siregar, Andri Zahra, Annisa Zamzami Akromi Lubis Zulfa Aliyah