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Analysis of the Influence of Temporary Syirkah, FDR, and BOPO Funds on Financing Risk and Their Implications on SRB Profitability in Indonesia (2016-2020) Muhammad Habibi Harahap; Fauzi Arif Lubis; Muhammad Syahbudi
Jurma : Jurnal Program Mahasiswa Kreatif Vol 7 No 1 (2023): Juni 2023
Publisher : LPPM UIKA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jurma.v7i1.1768

Abstract

This study aims to analyze the effect of Temporary Syirkah Funds (DST), Financing to Deposit Ratio (FDR), and Operational Income Operating Costs (BOPO) on Financing Risk which are calculated directly, and to analyze the effect of DST, FDR, BOPO and Financing Risk on ROA Sharia People's Financing Banks in Indonesia directly and indirectly. The dependent variable in this study is ROA which is a proxy for profitability and financing risk (RP). While the independent variables are DST, FDR, and BOPO. The analytical method used is Path Analysis or path analysis with the help of SPSS version 22. The data used in this research is monthly time series data from January 2016 – 2020. The object of research is Islamic People's Financing Banks in Indonesia. Based on the calculation, the direct effect of DST on ROA is 14.36%. And the direct effect of DST on Financing Risk is 54%.
Analisis Pengarug Aglomerasi Industri, Tingkat Partisipasi Angkatan Kerja (TPAK) dan Nilai Output Industri terhadap Laju Pertumbuhan Ekonomi di Sumatera Utara Novita Tanjung; Fauzi Arif Lubis; Juliana Nasution
VISA: Journal of Vision and Ideas Vol 3 No 2 (2023): Visa: Journal of Vision and Ideas
Publisher : LPPM IAI Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/visa.v3i2.4047

Abstract

The purpose of this study is to determine whether the Industrial Agglomeration, Labor Force Participation Rate (TPAK) and Output Value affect Economic Growth in North Sumatra. This research is a quantitative study using secondary data. The number of samples for this study is time series data for 2016-2020 and interpolated to 59. The data was processed through SPSS Program version 22 with technical data analysis using multiple linear regression analysis. The results of the study proved that agglomeration, TPAK and output value have a significant effect on economic growth in North Sumatra. Based on the results of the first hypothesis test, a significant value of Agglomeration of 0.001(sig<0.05) with a calculated t value of 1.610 < 2.003241(t hitunf < t table is known). The second hypothesis test showed a significant value of TPAK 0.000(sig < 0.05) with a calculated t value of 1.494 < 2.003241(t count< t table), and based on the third hypothesis test, it was known that the significant value of industrial output 0.000(sig < 0.05) with a calculated t value of 0.418 < 2.003241(t count < t table). Based on the conclusion that it can be known the most dominant free variable that affects bound variables is the Tpak variable which has a coefficient value of β 2.071 compared to other variables. Then from the results of the F test proved that the agglomeration of industry, TPAK and output values simultaneously or together had a significant effect on the Economic Growth Rate in North Sumatra which was indicated by the significant value of F < α (0.000<0.05). Keywords: industrial agglomeration, labor force participation rate, industrial output value, economic growth.
Analisis Penerapan Pengendalian terhadap Produk Kafalah PT. Jaminan Pembiayaan Askrindo Syariah Fadya Hanin; Fauzi Arif Lubis
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19206

Abstract

Abstrak     Analysis of the Implementation of Risk Control on financing kafalah products at PT. Askrindo Syariah Financing Guarantee". This is the result of a qualitative research that aims to answer questions about the risks that exist in financing kafalah products and how to control risks in financing kafalah products at PT. Askrindo Syariah Financing Guarantee. This research uses a case study approach to the research object. Data collection was carried out by way of direct interviews with staff in the operational field, staff in the financial sector and the head of the Medan sharia marketing office (KPS) and supported by documentation related to research.The collected data were analyzed using a qualitative descriptive analysis method.The results obtained were The risks faced by PT Askrindo Syariah Financing Guarantee in financing kafalah products include operational risk, market risk, claims risk and lawsuit risk. will affect the level of profitability PT.JPAS. Control carried out by PT. JPAS, namely with several policies to reduce losses including setting KPS guarantee limits, analysis of surety bond submissions, and maintenance. It is necessary to apply risk management based on sharia principles where apart from guaranteeing and expecting profit, the application of sharia principles is necessary for mutual benefit between the two parties (guarantor and guaranteed).keywords: implementation, control, Askrindo Syariah financing
Peran Asuransi BPJS Ketenagakerjaan terhadap Buruh yang Bukan Penerima Upah (BPU) di Tanjung Morawa Ellysa Pradina; Fauzi Arif Lubis
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 2 (2023)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v8i2.19207

Abstract

Abstrack BPJS Employment (Social Security Organizing Agency) is a social security program which is the responsibility and obligation of the State to provide certain socio-economic protection and its organizers use an insurance mechanism. In addition, BPJS Employment is only intended for workers. In this social security program there are 2, namely Employment BPJS and Health BPJS, and both of course have different functions. BPJS Ketenagakerjaan is only intended for workers, while BPJS Health is intended for all levels of society. BPJS Ketenagakerjaan has four types of social security programs for workers, namely Work Accident Insurance (JKK), Death Benefits (JK), Old Age Benefits (JHT), and Pension Benefits (JP). In this study the problems that arise from the lack of awareness of the people with the status of non-wage workers (BPU). The points that must be paid attention to by the Tanjung Morawa Employment BPJS institution, especially towards workers who are not wage earners (BPU) because there are still many people with labor status who do not know and lack public understanding of BPJS Employment, there are very many human resources in Tanjung Morawa whose status is daily workers. Freelancers who work do not use work safety guarantees, namely BPJS Ketenagakerjaan. This research is a descriptive qualitative research using primary data in the form of interviews with officers in the general section of the Employment BPJS office and sources from workers whose status is workers who are not wage earners (BPU) and secondary data, namely data obtained from references in the form of journals, writings, and other sources. Based on the results of the study, it was shown that in the role of the Employment BPJS, the Tanjung Morawa Employment BPJS had carried out percentages in the form of outreach to villages with participants attended by workers whose status was casual daily laborers or workers who were not wage earners (BPU). And also many of the workers who are not wage earners (BPU) still don't know what BPJS Employment is and while they are working they only know BPJS Health.Keywords: Program, Social Security. Employment, Workers are not wage earners
Analisis Penerapan Prinsip Islamic Corporate Governance Dalam Peningkatan Kinerja Perusahaan (Studi Kasus Bank Muamalat KCP Sukaramai) Chairani A Br Nasution; Fauzi Arif Lubis
Syntax Literate Jurnal Ilmiah Indonesia
Publisher : Syntax Corporation

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (174.918 KB) | DOI: 10.36418/syntax-literate.v7i8.9290

Abstract

Penelitian ini bertujuan untuk mengetahui Bagaimana Penerapan Prinsip Islamic Corporate Governance Dalam Peningkatan Kinerja Perusahaan Pada Bank Muamalat KCP Sukaramai dan Untuk mengetahui Hambatan Penerapan Prinsip Islamic Corporate Governance Dalam Peningkatan Kinerja Perusahaan Pada Bank Muamalat KCP Sukaramai. Pada tata kelola perusahaan yang baik didalamnya terdapat prinsip- prinsip yang di implementasikan dalam bentuk pelaksanaan umumnya di setiap perbankan syariah di Indonesia. Penelitian ini dibangun dengan keyakinan bahwa dengan diterapkannya ICG pada suatu perusahaan maka perusahaan tersebut memiliki pengelolaan manajemen yang baik. Dalam penelitian ini penulis menggunakan pendekatan kualitatif deskriptif. Berdasarkan hasil penelitian ini dapat disimpulkan bahwa bank muamalat KCP Sukaramai menerapkan Corporate Value yaitu Muamalat IDEAL. Serta adanya peranan penting antara penerapan Islamic Corporate Governance dengan faktor penghambat dalam pelaksanaan praktek ICG, dimana dengan penerapan prinsip ICG sesuai dengan prinsip syariah maka implementasinya terhadap pelaksanaan ICG menjadi lebih baik dari tahun ke tahun sehingga menjadi motivasi perusahaan dalam melakukan penerapan ICG secara umum serta berdasarkan prinsip syariah juga sangat penting diterapkan pada setiap individu yang bertanggung jawab terhadap tugas yang telah diamanahkan oleh Bank Muamalat KCP Sukaramai agar tercapainya visi, misi, budaya dan kode etik perusahaan menurut islam, serta lembaga yang mengawasi.
Analisis Efektivitas Program BPJS Kesehatan Dalam Meningkatkan Kesehatan dan Kesejahteraan Masyarakat Irna Permata Sari; Fauzi Arif Lubis; Khairina Tambunan
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 1 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i1.4575

Abstract

The purpose of this study is two. The first is to find out how effective the BPJS Health program is based on input, process, and output indicators. The second is to know how the community of users of the BPJS Health program sees the benefits they get. In this study, descriptive qualitative research methods are used. Researchers use the theory of post-positive qualitative research as the primary tool for assessing the state of a reasonable thing. The sample consisted of 15 people who answered the question. The results of the analysis show that Labuhanbatu North service facilities, procedures, and responses related to the service process, quality, reliability, and accessibility can affect the level of effectiveness of the BPJS Health program. The BPJS Kesehatan program also helps its participants by lowering treatment costs, boosting health levels, enhancing service quality, and facilitating simpler access to healthcare. Keywords: Effectiveness, Health, Welfare of the Social Security Administration Agency (BPJS)
Optimalisasi Produktivitas Petani Tradisional dalam Mencapai Sustainable Development Growth di Desa Pakantan Ditinjau dari Ekonomi Islam Aisyah Aisyah; Fauzi Arif Lubis; Rahmat Daim Harahap
Reslaj : Religion Education Social Laa Roiba Journal Vol 6 No 1 (2024): Reslaj: Religion Education Social Laa Roiba Journal
Publisher : LPPM Institut Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v6i1.4906

Abstract

The purpose of this research is to optimize the productivity of traditional farmers in Pakantan villages and achieve sustainable growth through an Islamic economic approach. The research methods used are qualitative and based on a case study approach. Data analysis was performed using a descriptive qualitative approach and Shariah financial analysis. The results showed that there are several factors that affect the productivity of traditional farmers in Pakantan villages, including social, economic and technical factors. Sustainable development strategies, such as the use of modern agricultural techniques, the establishment of farmer cooperatives and the application of Islamic economic principles such as justice, sustainability and independence, are needed to increase farmers' productivity. The conclusion of this study is that productivity optimization of traditional farmers in Pakantan village can be achieved through an economic approach. Sustainable and eco-friendly Islam. Therefore, it is proposed that the government and communities can work together to apply Islamic economic principles to the agricultural development of Pakantan villages. Keyword: Productivity optimization, traditional farming, sustainable growth, Islamic economy
Pengaruh Persepsi dan Preferensi Pengusaha UMKM terhadap Asuransi Syari'ah: Studi Kasus Pengusaha UMKM diandailing Natal Mayasari Lubis; Fauzi Arif Lubis; Muhammad Lathief Ilhamy Nst
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 2 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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

Abstract

Penelitian ini dilatar belakangi oleh adanya prinsip-prinsip asuransi syariah yang terdapat pada lembaga keuangan asuransi syariah. Penelitian ini bertujuan untuk menguji pengaruh persepsi dan preferensi pengusaha UMKM terhadap asuransi syari'ah (Studi Kasus Pengusaha UMKM di Mandailing Natal) secara parsial dan simultan. Populasi pada penelitian ini pengusaha UMKM yang ada di Mandailing Natal. Metode pengambilan sampel dalam penelitian ini menggunakan teknik nonprobability sampling yaitu purposive sampling dengan jumlah 100 responden.Teknik analisis data yang digunakan adalah metode analisis regresi linear berganda. Hasil penelitian secara parsial menunjukkan bahwa persepsi berpengaruh signifikan terhadap asuransi syari'ah dengan signifikansi 0,003 dan t hitung sebesar 3,063.sedangkan preferensi tidak berpengaruh signifikan terhadap asuransi syari'ah dengan signifikansi 0,177 dan t hitung sebesar 1,35.Dan Hasil penelitian secara simultan menunjukkan bahwa persepsi dan preferensi pengusaha UMKM berpengaruh secara bersama terhadap Asuransi syari’ah dengan signifikansi 0,011 dan f hitung sebesar 4,710.Dari hasil uji regresi linier berganda diperoleh persamaan Y= 33,205+0,284 X1+0,084 X2+e.
Analisis Efektivitas Program Jkk Pada Pekerja Sektor Informal Di Bpjs Ketenagakerjaan Cabang Tanjung Morawa Fadillah Moeda, Fauzi Arif Lubis
Economics and Digital Business Review Vol. 4 No. 2 (2023): February - July
Publisher : STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/ecotal.v4i2.794

Abstract

Penelitian ini dilakukan bertujuan untuk mengetahui Bagaimana pelaksanaan analisis efektivitas program JKK pada pekerja sektor informal di BPJS Ketenagakerjann cabang Tanjung Morawa. Jenis penelitian yang digunakan dalam penelitian ini adalah dengan menggunakan penelitian kualitatif. Teknik penelitian ini yaitu menggunakan tahap-tahap yaitu wawancara, observasi, dokumentasi. Hasil penelitian ini menunjukan bahwa Setiap perusahaan wajib mendaftarkan pekerjanya sebagai peserta dalam program JKK pada BPJS Ketenagakerjaan. Baik perusahaan skala usaha besar, menengah, kecil dan mikro yang bergerak dibidang usaha jasa konstruksi yang mempekerjakan pekerja harian lepas, borongan, dan perjanjian kerja waktu tertentu. Pendaftaran peserta BPJS Ketenagakerjaan kini juga semakin praktis karena dapat dilakukan secara online melalui SIPP Ketenagakerjaan.
Persepsi Masyarakat Terhadap Produk Pru Cerah Di PT Prudential Cabang Binjai Tuti Fitri Ani Siregar; Fauzi Arif Lubis
YUME : Journal of Management Vol 6, No 2 (2023)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v6i2.5555

Abstract

Berdasarkan penelitian yang dilakukan di PT Prudential cabang Binjai, Mahalnya biaya pendidikan saat ini membuat setiap orang tua harus benar-benar merencanakan dan mengganggarkan dana pendidikan anak sedini mungkin, bahkan sejak anak masih dalam kandungan. Hal ini bertujuan untuk meringankan beban biaya yang harus dikeluarkan saat anak memasuki usia sekolah, produk pru cerah masih sedikit, karena masyarakat masih belum memahami secara jelas permasalahan produk pru cerah. Produk Pru cerah dapat membantu perjalanan panjang orang tua untuk memenuhi kebutuhan pendidikan tinggi anak-anak terus terlindungi secara optimal dari berbagai risiko dan dapat memberikan banyak manfaat bagi dana pendidikan berupa tarik tunai satu kali dan tarik tunai berulang. Namun di PT Prudential Cabang Binjai, sebagian besar masyarakat menggunakan produk Pru Cinta (asuransi jiwa).Kata Kunci : Persepsi, Asuransi Syariah, Pru cerah
Co-Authors Abror, Ruli ADELIA Adinda Rizki Fadilah Ahmad Fikri Ihsan Nasution Ahmad Habib Pinim ahmad syauqi, ahmad Aina, Nabila Izmi 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 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 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 B. Syarbaini, Ahmad Muhaisin Bi Rahmani, Nur Ahmadi Boangmanalu, Farida Hanum Chadisa Rizky Ananda Chairani A Br Nasution Chanda Chansa Thelma Chuzaimah Batubara Chuzaimah Batubara Chuzaimah Batubara, Chuzaimah Citra Pratiwi Daulay, Suci Cut Nurul Azizah Damayanti, Elvina Sari Darajatul Husna Dea Lora Veni Debby Nadillah Harahap Desfrida, Mardelia Desti Ramadayanti Dharma, Budi Dhita Lutfiah Dinda Delfi Permata Rambe Dira Azzahra Putri Dwita Fratiwi Eka Lestari Ellysa Pradina Elya Ramadhani Tambunan erlina mayasari siregar Erna Sipahutar Ervina Yulia Angkat Fachrunisa Winda Marpaung Fadhillah Lubis, Muhammad Arif Fadila, Sheila Fadillatunnisa Fadillatunnisa Fadya Hanin Fahani, Tania Azura Fajar Dwi Ramadhan Sipa Fajri, Muhammad Aulia Farhan, M. Hafiz Fatin, Diyanah 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 Hasibuan, Widiyani Hayani, Mifta Hayati, Fitri Hendra Harmain Hernita, Hernita Ihsan Nasution, Ahmad Fikri Ikhsan Harahap, Muhammad Ikhwansyah Isranuri 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 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 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. Hizbullah Hasibuan M. Lathief Ilhamy Nasution M. Yasir Nasution M. Yusuf Manna Wassalwa Manna Wassalwa Marisa Situmorang Marliyah, 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 Habibi Harahap 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 Nabilahpurba, Nabilahpurba Nainggolan, Natasya Salsabila Namira, Annisa Nasution, Annio Indah Lestari Nasution, Ansor Nasution, Ferdi Dermawan 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 Aprillia 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 Puspita, Nina 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 Saskia, Dhea Ananda 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 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 Tuti Anggraini Tuti Anggraini Tuti Fitri Ani Siregar Ujung, Siti Khoiriyah Karina Wahyu Syarvina Widy Tri Sianuri 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