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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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Beyond Religious Identity: Understanding Non-Muslim Decisions to Participate in Sharia Insurance Abdi Mitro Giripati; Fauzi Arif Lubis; Sri Ramadhani
Jurnal Investasi Islam Vol. 11 No. 2 (2026): Jurnal Investasi Islam (JII)
Publisher : FEBI IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/jii.v11i2.15942

Abstract

Sharia insurance has increasingly developed as an alternative financial protection mechanism based on principles of justice, transparency, and mutual assistance. However, previous studies on Sharia insurance adoption have predominantly focused on Muslim consumers and religious-based motivations, providing limited understanding of how non-Muslim consumers perceive and participate in Sharia insurance within a pluralistic society. This study addresses this gap by examining the decision-making process of non-Muslim customers who participate in Sharia insurance and exploring whether their choices are influenced by religious identity or by broader ethical and functional considerations. Using a descriptive qualitative approach, this study conducted in-depth interviews with eight non-Muslim Sharia insurance participants in Medan City, Indonesia, selected through purposive sampling. The findings reveal that non-Muslim participation is primarily shaped by rational, ethical, and utilitarian considerations rather than theological motivations. Internal factors, including financial security motivation, perceived fairness, transparency, educational background, and economic capacity, interact with external factors such as peer influence, product attributes, service quality, promotional communication, and premium affordability in forming consumer decisions. This study advances knowledge by demonstrating that Sharia insurance can transcend religious boundaries and function as an inclusive ethical finance instrument within a multi-faith market. Theoretically, this research contributes to Islamic finance and consumer behavior literature by proposing a shift in understanding Sharia financial adoption from a faith-based consumption perspective toward an ethical-value and inclusive finance perspective. These findings suggest that expanding Sharia insurance acceptance requires emphasizing universal financial values rather than relying solely on religious identity-based marketing strategies.
Determinant Factors Affecting the Interest of Gojek Drivers in Using BPJS Ketenagakerjaan in Medan City Lamsina Harahap; Sri Ramadhani; Fauzi Arif Lubis
Jurnal Wacana Ekonomi Vol 25 No 3 (2026): Jurnal Wacana Ekonomi
Publisher : Fakultas Ekonomi Universitas Garut

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52434/jwe.v25i3.43623

Abstract

The development of the digital economy has driven an increase in the number of informal sector workers who rely on applications, including Gojek drivers who face quite high occupational risks. BPJS Ketenagakerjaan is present as a form of social protection for informal workers, but the participation rate of Gojek drivers in Medan City is still relatively low. This study aims to analyze the influence of income, contribution price, information, and service quality, both partially and simultaneously, on Gojek drivers' interest in joining BPJS Ketenagakerjaan. This study uses a quantitative approach with an explanatory research design. Data were obtained through questionnaires to 100 Gojek drivers in Medan City who are not yet BPJS Ketenagakerjaan participants using a purposive sampling technique. Data analysis was performed using Structural Equation Modeling–Partial Least Squares (SEM-PLS) through the SmartPLS 4.0 application. The results show that income, price, information, and service quality have a positive and significant effect on Gojek drivers' interest in joining BPJS Ketenagakerjaan. The information variable is the most dominant factor, followed by service quality, income, and contribution price. These findings indicate that increasing participation among informal workers is not solely influenced by economic factors, but also by access to information and the quality of services provided. This research is expected to serve as a reference for BPJS Ketenagakerjaan, local governments, and digital platform companies in formulating outreach strategies and improving services to expand social protection coverage for informal workers.
Analysis Of The Impact Of Digital Era Developments On The Needs For Frontliners In Indonesian Sharia Banks Branch Office of Padang Bulan Dhea Ananda Saskia; Fauzi Arif Lubis; Tri Inda Fadhila Rahma
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.v7i4.8081

Abstract

This study aims to analyze the impact of digital banking transformation on the demand for frontliners at Bank Syariah Indonesia (BSI) KCP Padang Bulan using a mixed methods approach. Quantitatively, data were collected through questionnaires from 112 respondents and analyzed using descriptive statistics, Pearson correlation, and simple linear regression in SPSS 20.0. Qualitatively, a Systematic Literature Review (SLR) was conducted on relevant studies from 2018–2024 to identify trends and patterns in the shift of frontliner roles. The results show that digital banking significantly affects the demand for frontliners, with a coefficient of determination (R²) of 23.4% and a positive regression coefficient (B = 0.218). While digitalization reduces routine transactional tasks typically handled by frontliners, it simultaneously redefine their roles into more strategic, consultative, and digital-support functions. The findings indicate that frontliners are still needed, but with new competencies, especially in digital literacy and customer engagement. This implies that Islamic banking institutions must reorient their human resource strategies to sustain relevance in the digital era
PANDANGAN DAN PEMAHAMAN MASYARAKAT KOTA MEDAN HELVETIA TERHADAP ASURANSI SYARIAH : (STUDI DESKRIPTIF PADA MASYARAKAT KOTA MEDAN HELVETIA) Ahmad Habib Pinim; Fauzi Arif Lubis
INTERNATIONAL, Journal of Sharia Business Management Vol 2 No 2 (2023): June
Publisher : CV. Barokah Publsiher

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Abstract

Sharia insurance is an attempt to protect and help each other in accordance with sharia principles. In this study, Islamic insurance was examined by the people of the city of Medan Helvetia on their understanding of Islamic insurance in this modern era. The research objective is to find out the relationship between the views and understanding of the people of Medan Helvetia towards sharia insurance. The method used in this research is descriptive qualitative in the form of observation and interviews. The results of the study found that views and understanding together had a positive and significant effect on the response of the people of Medan Helvetia to sharia insurance and significantly had a real influence on the response of the people of Medan Helvetia to sharia insurance.
PENGARUH DEWAN DIREKSI, KOMITE AUDIT DAN LIKUIDITAS TERHADAP PROFITABILITAS DENGAN UKURAN PERUSAHAAN SEBAGAI VARIABEL MODERASI PADA BANK UMUM SYARIAH DI INDONESIA Ardina Khoirunnisa Harahap; Fauzi Arif Lubis; Khairina Tambunan
INTERNATIONAL, Journal of Sharia Business Management Vol 2 No 3 (2023): September
Publisher : CV. Barokah Publsiher

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Abstract

This study aims to determine the effect of the Board of Directors, Audit Committee, and Liquidity on Profitability with Company Size as Moderating Variable in Islamic Banking in Indonesia for the 2016-2020 period. This type of research is quantitative research with secondary data in panels. The number of samples in this study is 11 Islamic Commercial Bank using the purposive sampling method with criteria determined by researchers. The analytical method used is the Moderated Regression Analysis (MRA) test. The results show that the board of directors and audit committee harm profitability; the current ratio positively affects profitability. The Moderated Regression Analysis (MRA) test shows that company size can moderate the effect of the audit committee on profitability. However, company size cannot moderate the influence of the board of directors and current ratio on profitability.
Strategic Integration of MICE Tourism for Enhancing Sharia Hotel Occupancy in Medan City Muhammad Arif Fadhillah Lubis; Muhammad Syukri Albani Nasution; Fauzi Arif Lubis
Journal of Islamic Economics and Business Vol. 5 No. 1 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v5i1.49310

Abstract

This study investigates how Sharia hotels in Medan, Indonesia, can optimize MICE (Meetings, Incentives, Conventions, and Exhibitions) tourism to increase occupancy rates. The issue arises from overreliance on government-related events and recent budget reductions, which have weakened performance and underscored the need for alternative marketing strategies. This research contributes novelty by proposing an integrative model that blends digital marketing, collaborative partnerships, and Islamic service values, which remain underexplored in hospitality studies. Employing a qualitative approach through interviews and secondary data, the study identifies five strategic directions: market diversification, enhancement of digital and hybrid meeting technologies, development of a collaborative MICE ecosystem, inclusive marketing education, and pursuit of regulatory support. The analysis is grounded in Social Identity Theory and the Resource-Based View, demonstrating how a strong Islamic service identity and effective resource utilization can strengthen competitiveness. Findings suggest that a holistic and adaptive integration of MICE tourism not only boosts occupancy but also expands customer segments while preserving Sharia compliance. The study concludes that moving beyond a government-centric model toward a diversified, digitally driven strategy is essential for the long-term sustainability of Sharia hotels in Indonesia.
The influence of green lifestyle, green awareness, and eco-labels on the interest in purchasing environmentally friendly products among FEBI UINSU students Intan Vilja Aura Fazia; Fauzi Arif Lubis; Nur Ahmadi Bi Rahmani
Indonesia Auditing Research Journal Vol. 15 No. 3 (2026): Auditing, Finance, IT Plan, IT Governance, Risk
Publisher : Institute of Accounting Research and Novation (IARN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/arj.v15i3.748

Abstract

Focusing on the consumption behavior of FEBI UINSU students, this associative quantitative research examines the relationship between green lifestyle, green awareness, and eco-labeling on the purchase intention of environmentally friendly products. Involving 100 students selected through purposive sampling, a questionnaire instrument was used as the primary data collection medium, which was then analyzed using the SEM-PLS algorithm via SmartPLS 4.0. Field findings show that a green lifestyle is not yet a strong predictor in significantly predicting purchase intention, even though the relationship is positive. In contrast, indicators of green awareness and eco-friendly labels show a substantial positive impact. These findings underscore the importance of environmental education and the effectiveness of product labels in stimulating sustainable purchasing decisions among academics
Implementation of Financial Literacy in Increasing Financial Awareness and Security Nabila Izmi Aina; Fauzi Arif Lubis; Fitri Hayati
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

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Abstract

This article examines the effectiveness of implementing financial literacy programs in enhancing financial awareness and security. The study uses a focus group and discussion approach to investigate how these programs influence individuals' understanding and management of personal finances. By engaging with financial literacy experts, educators, and community participants, the research delves into how financial literacy impacts behavior, decision-making, and overall financial well-being. The results reveal that financial literacy programs significantly improve individuals' ability to manage their finances, make informed financial decisions, and understand key financial concepts such as budgeting, debt management, and investment. Participants report increased confidence in handling their personal finances and a better grasp of financial risks and opportunities. The study also highlights that effective financial literacy fosters positive attitudes towards financial planning and enhances financial resilience. Overall, financial literacy plays a crucial role in shaping a more financially aware and secure society. The article concludes with policy recommendations to further improve the effectiveness of financial literacy programs, emphasizing the need for tailored educational strategies and collaborative efforts between educational institutions, financial organizations, and community groups.
Implementasi Prinsip Transparansi dan Akuntabilitas dalam Pengelolaan Anggaran Belanja Infrastruktur di Dinas PUTR Kota Pematangsiantar Muhammad Hizry Andriyantama; Fauzi Arif Lubis; Nurlaila
Jurnal Riset Akuntansi Vol. 3 No. 4 (2025): November: Jurnal Riset Akuntansi
Publisher : Institut Teknologi dan Bisnis (ITB) Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54066/jura-itb.v3i4.4567

Abstract

This study analyzes the implementation of transparency and accountability in the management of the infrastructure expenditure budget at the Public Works and Spatial Planning Office (PUTR) of Pematangsiantar City. Using a qualitative approach of case studies, data is collected through interviews, field observations, and document analysis. The results of the study show that the PUTR Office has implemented a number of transparency mechanisms, such as the Information and Documentation Management Officer (PPID), official websites, and project information boards. In addition, a layered accountability system involves both internal and external stakeholders. However, a gap was found between formal and substantive transparency: detailed budget documents, such as Budget Implementation Documents (DPAs), Budget Work Plans (RKAs), and Budget Realization Reports (LRAs), were not proactively published through the website, but were only available through reactive PPID procedures. The study also highlights that strong vertical accountability to regulatory agencies does not automatically result in horizontal transparency to the public. These findings contribute to the good governance literature by emphasizing that transparency and accountability do not always go hand in hand in practice, so a more integrative policy strategy is needed to ensure information disclosure as well as public accountability in the management of regional infrastructure budgets.
Implementation of Prudential Principle in Sharia Digital Banking Financing for Risk Mitigation Putri Sari Arafah Hasibuan; Tri Inda Fadhilla Rahma; Fauzi Arif Lubis
International Journal of Multidisciplinary Research of Higher Education Vol 9 No 3 (2026): July (Theme Education, Religion Studies, Social Sciences, STEM and Economic Devel
Publisher : Islamic Studies and Development Center in Collaboration With Students' Research Center Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/ijmurhica.v9i3.650

Abstract

This study analyzes the implementation of the prudential principle in Islamic banking financing within the digital era as a strategic instrument for risk mitigation. The rapid digital transformation in Islamic banking has shifted financing processes from conventional mechanisms toward technology-driven systems, including digital onboarding, electronic identity verification, big data analytics, and automated risk assessment. While digitalization enhances efficiency and financial inclusion, it simultaneously introduces new risks such as cybersecurity threats, data manipulation, operational failures, and Sharia compliance challenges. Employing a descriptive qualitative approach, this research integrates empirical insights, juridical-normative analysis, and bibliometric mapping. Primary data were obtained through interviews with Islamic banking practitioners engaged in digital financing and risk management, while secondary data were drawn from regulations, academic literature, and industry reports. Bibliometric analysis using VOSviewer identified dominant themes and research gaps related to prudential principles, Islamic banking, and digital risk governance. Findings reveal that the prudential principle has evolved into a multidimensional governance system encompassing financing analysis, technology validation, cybersecurity, data protection, operational supervision, and Sharia compliance. The study concludes that digital transformation reinforces rather than diminishes the relevance of prudential principles, contributing to theoretical discourse on Islamic digital finance and offering practical recommendations to strengthen risk management, financial stability, and public trust.
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