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Business, and Entrepreneurship Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Manajemen dan Bisnis JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) ProBisnis : Jurnal Manajemen Jurnal Ekonomi dan Bisnis Islam (JEBI) Indonesian Journal of Multidisciplinary Science Jurnal Multidisiplin Dehasen (MUDE) Informatics and Enginering Dedication Jurnal Ekonomi Bisnis dan Akuntansi Journal of Management and Business Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi (JEMBA) Islamiconomic: Jurnal Ekonomi Islam Jurnal Cakrawala Ilmiah Jurnal Ilmiah Mahasiswa Raushan Fikr Economic Reviews Journal MES Management Journal Jurnal Ekonomi dan Manajemen (JEKMA) Journal of Mathematics Instruction, Social Research and Opinion CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis Masyrif : Jurnal Ekonomi, Bisnis dan Manajemen Bursa : Jurnal Ekonomi dan Bisnis Islam Realitas: Journal of Islamic and Social Studies Journal of Mathematics UNP Al-Muhtarifin: Islamic Banking and Islamic Economic Journal Asian Journal of Applied Business and Management (AJABM) Indonesian Journal of Islamic Economics and Finance Transformasi: Journal of Economics and Business Management International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Commodity : Jurnal Perbankan dan Keuangan Islam Jurnal Penelitian Ekonomi Manajemen dan Bisnis Moneter : Jurnal Keuangan dan Perbankan International Journal of Emerging Issues in Islamic Studies Innovative: Journal Of Social Science Research JURNAL EKONOMI BISNIS DAN MANAJEMEN Jurnal Riset Teknologi dan Inovasi Pedidikan (JARTIKA) Trending: Jurnal Manajemen dan Ekonomi Jurnal Riset Ekonomi dan Akuntansi JME (Journal of Mathematics Education) Jurnal Informatika Ekonomi Bisnis Journal of Business Management and Economic Development Journal of Economics and Management Scienties Jurnal Ekonomi Bisnis dan Manajemen Jurnal Ilmiah Ekonomi dan Manajemen IIJSE Jurnal Akuntansi dan Keuangan Islam (JAKIs) Moneter : Jurnal Ekonomi dan Keuangan Santri : Jurnal Ekonomi dan Keuangan Islam Ghaly: Journal of Islamic Economic Law JURNAL MULTIDISIPLIN ILMU AKADEMIK Journal of Finance and Islamic Banking ManBiz: Journal of Management and Business Jurnal Ekonomi, Bisnis dan Manajemen Jurnal Ekonomi, Manajemen, Akuntansi Ulil Albab PESHUM International Journal of Islamic Business Management Academia Open Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management Amnesty: Jurnal Riset Perpajakan Jurnal Ilmiah Mizani: Wacana Hukum, Ekonomi Dan Keagamaan
Juliana Nasution
Universitas Islam Negeri Sumatra Utara
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Generation Perceptions and Interests of Millennials in Zakat Digitally in Medan City Muhammad Anwar; Juliana Nasution; Nursantri Yanti
Journal of Applied Business Administration Vol 9 No 2 (2025): Journal of Applied Business Administration
Publisher : Pusat P2M Politeknik Negeri Batam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30871/jaba.10694

Abstract

This study aims to analyze the relationship between perceptions and interests in digital zakat payments among millennials in Medan City. This is based on the rapid development of technology, finance, and zakat digitalization, which significant improvements have not yet matched in national zakat collection realization. This study employs a quantitative approach with a descriptive correlational design. The sample consists of 85 millennial respondents living in Medan City who have experience or knowledge of digital zakat platforms. Data were collected through a closed-ended questionnaire using a Likert scale and analyzed using validity, reliability, Pearson correlation, and linearity tests. The results indicate that millennials' perceptions of digital zakat fall into the positive category, with an average score of 65.92. Meanwhile, their interest is also classified as high, with an average of 48.16. The correlation analysis shows a positive and significant relationship between perceptions and interests in digital zakat (r = 0.563; p < 0.001). This confirms that stronger perceptions of the convenience, security, and benefits of digital zakat led to higher interest in paying zakat through digital channels. This research makes a significant contribution to designing more inclusive, educational, and relevant digital zakat collection strategies for millennials in the digital era.
PENGARUH USAHA PRODUKTIF DAN PERILAKU KEUANGAN SYARIAH TERHADAP KESEJAHTERAAN MUSTAHIK BAZNAS MEDAN Fadlan Arrasyid Bintang; Muhammad Syahbudi; Juliana Nasution
Indonesian Journal of Business and Management Vol. 8 No. 2 (2026): Indonesian Journal of Business and Management, Juni 2026
Publisher : Postgraduate Bosowa University Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35965/jbm.v8i2.8919

Abstract

Penelitian ini berfokus pada analisis pengaruh usaha produktif dan perilaku keuangan syariah pada kesejahteraan mustahik di Badan Amil Zakat Nasional Kota Medan. Kajian ini berlandaskan pada teori kesejahteraan (welfare theory) dan teori perilaku keuangan syariah (Islamic financial behavior), yang menjelaskan bahwa penguatan aktivitas ekonomi produktif serta penerapan prinsip-prinsip keuangan Islam berpotensi memberikan kontribusi terhadap peningkatan kesejahteraan individu mustahik.Studi ini dirancang menggunakan metode kuantitatif yang bersifat eksplanatori untuk menjelaskan hubungan anta variabel. Populasi penelitian terdiri atas mustahik penerima zakat produktif di BAZNAS Kota Medan, dengan jumlah sampel sebanyak 100 responden yang dipilih melalui teknik purposive sampling.Pengumpulan data dilakukan melalui instrument kuisioner dengan skala Likert lima poin, selanjutnya data diolah menggunakan analisis regresi berganda berbantuan perangkat lunak SPSS versi 26. Instrumen penelitian diuji melalui serangkaian pengujian validitas dan reliabilitas, sementara kelayakan model regresi dievaluasi melalui serangkaian uji asumsi klasik. Hasil penelitian menunjukkan bahwa Hasil analisis menunjukkan bahwa pengembangan usaha produktif memberikan pengaruh yang nyata dan searah terhadap peningkatan kesejahteraan penerima zakat, dengan nilai B = 0,914, t = 13,452, dan signifikansi p = 0,000. Sementara itu, Sebaliknya, penerapan perilaku keuangan berbasis syariah belum terbukti memberikan dampak yang berarti secara statistik terhadap kesejahteraan mustahik, dengan B = -0,060, t = -0,840, dan p = 0,403. Secara simultan, kedua variabel independen terbukti berpengaruh secara bermakna terhadap kesejahteraan mustahik dengan nilai F = 91,630 (p = 0,000), serta koefisien determinasi R² sebesar 0,654. Nilai tersebut menunjukkan bahwa Artinya, sebesar 65,4% perubahan pada tingkat kesejahteraan mustahik mampu dijelaskan oleh kedua variabel tersebut, sedangkan sisanya dipengaruhi oleh faktor faktor lain di luar model. Kebaruan penelitian ini terletak pada penggabungan variabel usaha produktif dan perilaku keuangan syariah dalam konteks pengelolaan zakat produktif di BAZNAS Kota Medan, yang dalam literatur sebelumnya masih terbatas dikaji secara simultan. Secara praktis, hasil penelitian ini menyarankan agar BAZNAS Kota Medan mengoptimalkan program pemberdayaan penerima zakat dengan mengitegrasikan tiga pilar utama, yaitu: dukungan permodalan usaha, bimbingan teknis usaha, serta edukasi literasi keuangan syariah yang berkesinambungan. This research seeks to examine how productive economic activities and the application of islamic financial principles affect the well being of zakat recipients managed by BAZNAS Medan City. The study is grounded in welfare theory and Islamic financial behavior theory, which explain that the development of productive economic activities and compliance with Islamic financial principles may contribute to improving the welfare of individual mustahik. The study adopted quantitative methodology with an explanatory design to analyze causal relationships among the variables. All mustahik receiving productive zakat assistance from BAZNAS Medan City formed the research population, from which 100 individuals were selected as samples using a purposive sampling technique. Data collection was carried out using a Likert-based questionnaire instrument and subsequently processed through multiple linear regression analiysis using SPSS version 26. The research instruments underwent validity and reliability evaluation, while classical assumption tests were performed to verify the suitability of the regression model. The results reveal that produvtive business activities exert a positive and statistically significant influence on the welfare of mustahik, as evidenced by B = 0.914, t = 13.452, and p = 0.000. Conversely, in contrast, Islamic financial behaviour was found to have no statistically meaningful effect on mustahik welfare, with B = -0.060, t = -0.840, p = 0.403. Simultaneously, the two variables have a significant effect Simultaneously, both variables significantly affected mustahik welfare (F =9.630; p=0.000), with an R² of 0.654, indicating that 65.4 % of the variance in mustahik welfare is accounted for by productive business and Islamic financial behaviour, while the remaining percentage is influenced by other factors outside the research model. The novelty of this study lies in the integration of productive business activities and Islamic financial behavior variables within the context of productive zakat management at BAZNAS Medan City, which has been relatively limited in previous studies examining these variables simultaneously. In practical terms, the findings recommend that BAZNAS Medan City strengthen its mustahik empowerment program by integrating business capital assistance with business mentoring and sustainable Islamic financial literacy.
PENGARUH DEWAN PENGAWAS SYARIAH, DEWAN KOMISARIS DAN KOMITE AUDIT TERHADAP MANAJEMEN LABA PADA PERBANKAN SYARIAH Nur Hidayah Pulungan; Nurbaiti; Juliana Nasution
INTERNATIONAL, Journal of Sharia Business Management Vol 2 No 3 (2023): September
Publisher : CV. Barokah Publsiher

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

Abstract

Penelitian ini bertujuan untuk menguji bagaimana pengaruh dewan pengawas syariah, dewan komisaris dan komite audit terhadap manajemen laba pada bank perbankan syariah di Indonesia. Berdasarkan analisis data yang sudah dilakukan akan membantu investor maupun kreditor dalam memahami kondisi perusahaan dan membantu dalam pengambilan keputusan. Laporan keuangan yang digunakan sebagai acuan informasi terhadap kinerja perusahaan pada periode tertentu menjadikan peran yang utama pada perbankan syariah. Populasi data yang digunakan dalam penelitian ini adalah data sekunder diambil dari laporan keuangan tahunan periode 2017 – 2021. Metode sampel yang digunakan adalah metode purposive sampling dan diolah menggunakan software SPSS dengan analisis regresi linier berganda. Hasil yang diperoleh ialah dewan pengawas syariah tidak berpengaruh terhadap manajemen laba pada perbankan syariah. Hal tersebut ditunjukkan dari hasil pengujian t pada tabel 1.11 didapat besarnya nilai t hitung dalam dewan pengawas syariah yakni 0,559 dan tingkat signifikansi 0,580. Dengan nilai t hitung (0,559) < t tabell (1,696) serta nilai signifikan (0,580) > 0,05 bisa dipahami apabila variabel dewan pengawas syariah tidak berpengaruh pada manajemen laba pada perbankan syariah. Kemudian dewan komisaris tidak berpengaruh terhadap manajemen laba pada perbankan syariah. Hal tersebut ditunjukkan dari hasil pengujian t pada tabel 1.11 didapat Besarnya nilai t hitung pada dewan komisaris yakni 0,661 dan derajat signifikansi 0,514. Dengan nilai t hitung (0,661) < t tabel (1,696) serta nilai signifikan (0,514) > 0,05 bisa dipahami apabila variabel dewan komisaris tidak berpengaruh pada manajemen laba pada perbankan syariah. Kemudian komite audit tidak berpengaruh terhadap manajemen laba pada perbankan syariah. Hal tersebut ditunjukkan dari hasil pengujian t pada tabel 1.11 didapat Besarnya nilai t hitung pada komite audit yakni -0,152 dan derajat signifikansi 0,880. Dengan nilai t hitung (-0,162) < t tabel (1,696) serta nilai signifikan (0,880) > 0,05 bisa dipahami apabila variabel komite audit tidak berpengaruh pada manajemen laba pada perbankan syariah. Adapun dewan pengawas syariah, dewan komisaris dan komite audit tidak berpengaruh terhadap manajemen laba pada perbankan syariah. Hal tersebut diperkuat dari hasil pengujian F pada tabel 1.12 didapat nilai F hitung untuk dewan pengawas syariah, dewan komisaris, dan komite audit yakni 2,111 dengan besar tingkat signifikansi 0,084. Dengan nilai F hitung (2,111) < F tabel (2,934) dengan nilai signifikansi (0,084) > 0,05 bisa dipahami jika variabel dewan pengawas syariah, dewan komisaris, dan komite audit tidak berpengaruh pada manajemen laba pada perbankan syariah.
Pengaruh Destination Image, Perceived Value, dan Experiential Marketing terhadap Revisit Intention pada Budaya Land Tanjung Morawa Rasikah Firjatullah Lubis; Nurul Jannah; Juliana Nasution
Journal of Economics and Management Scienties Volume 7 No. 3, June 2025
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/jems.v7i3.107

Abstract

Riset yang dilaksanakan berikut bermaksud dalam menganalisa pengaruh destination image, perceived value, dan experiential marketing terhadap revisit intention pada pengunjung Taman Wisata Budaya Land Tanjung Morawa. Pendekatan kuantitatif diterapkan dengan metode survei dengan penyebaran kuesioner pada 97 responden yang pernah mengunjungi destinasi tersebut. Teknik analisa yang dipergunakan yakni regresi linear berganda dibantu dengan software SPSS. Temuan penelitian mengindikasi bahwasanya secara individual, ketiga variabel independen yakni destination image, perceived value, serta experiential marketing berpengaruh positif serta signifikan terhadap revisit intention. Selain itu, hasil uji simultan memperjelas bahwasanya ketiga variabel secara bersamaan berpengaruh signifikan terhadap niat berkunjung ulang, dengan nilai koefisien determinasi (R²) senilai 96,2%. Temuan ini mengindikasi bahwasanya untuk meningkatkan revisit intention wisatawan, pengelola destinasi perlu fokus tidak hanya pada citra dan nilai yang dirasakan, tetapi juga pada pengalaman berkesan yang diberikan selama kunjungan. Riset yang dilaksanakan ini diharap bisa menjadikan panduan untuk perkembangan strategi pemasaran destinasi wisata berbasis pengalaman.
Intermediasi Sosial Bank Sumut Syariah KCP Perdagangan terhadap Pemberdayaan UMKM Syariah Nurul Ni&#039;mah Qodriyah; Tuti Anggraini; Juliana Nasution
Jurnal Akuntansi dan Keuangan Islam Vol 13, No 2 (2025)
Publisher : INSTITUT AGAMA ISLAM SEBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61111/jakis.v13i2.891

Abstract

The long-term role of Islamic banking as a social intermediation institution is often criticized for failing to reflect the true essence of Islamic financial principles. As a result, Islamic banks are frequently perceived as not significantly different from conventional banks, particularly in addressing the fundamental socio-economic issues of society. This study aims to analyze the implementation of social intermediation based on sharia principles at Bank Sumut Syariah KCP Perdagangan and examine its contribution to the empowerment of micro-enterprises. This research employs a descriptive qualitative approach, with primary data collected through in-depth interviews. The findings indicate that Bank Sumut Syariah has carried out its social intermediation role effectively through financing schemes such as murabahah and musharakah, as well as savings products including general muamalat savings, student savings, Hajj savings, and deposits. The micro-financing procedures involve several stages from application to monitoring. This study fills a gap in the literature by examining local Islamic banking practices and provides insights into accountability and contributions to microeconomic empowerment.Peran jangka panjang perbankan syariah sebagai lembaga intermediasi sosial kerap dikritik karena dinilai belum mencerminkan esensi sejati dari sistem keuangan Islam. Akibatnya, perbankan syariah sering dianggap tidak berbeda secara signifikan dari perbankan konvensional, terutama dalam menjawab persoalan fundamental masyarakat. Bertujuan untuk menganalisis implementasi intermediasi sosial berbasis syariah pada Bank Sumut Syariah KCP Perdagangan serta mengkaji kontribusinya terhadap pemberdayaan usaha mikro, penelitian ini menggunakan pendekatan deskriptif kualitatif dengan teknik pengumpulan data primer melalui wawancara mendalam. Hasil penelitian menunjukkan bahwa Bank Sumut Syariah telah menjalankan fungsi intermediasi sosial dengan cukup baik melalui pembiayaan berbasis akad murabahah dan musyarakah, serta produk simpanan seperti tabungan muamalat dan tabungan haji. Prosedur pembiayaan mikro melibatkan tahapan mulai dari pengajuan hingga monitoring. Temuan ini mengisi kekosongan literatur mengenai praktik intermediasi sosial di unit perbankan syariah daerah dan memberikan wawasan mengenai akuntabilitas serta kontribusi nyata terhadap penguatan ekonomi masyarakat kecil.
STRATEGI PEMASARAN KREDIT PEMILIKAN RUMAH FLPP PADA PT. BANK SUMUT KCP SYARIAH KISARAN: UNTUK MENINGKATKAN POPULARITAS PRODUK Sri Anjani; Juliana Nasution; Wahyu Syarvina
Jurnal Ilmiah Mahasiswa Raushan Fikr Vol 14 No 1 (2025): Jurnal Ilmiah Mahasiswa Raushan Fikr
Publisher : Lembaga Kajian dan Pemberdayaan Mahasiswa UIN Prof. KH. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/jimrf.v14i1.13607

Abstract

This study critically examines the marketing strategies employed by PT. Bank Sumut KCP Syariah Kisaran to enhance the visibility and uptake of its Sharia-based Mortgage Loan (KPR) supported by the Housing Finance Liquidity Facility (FLPP). Using a descriptive qualitative method, data were gathered through interviews, observations, and document analysis, then analyzed thematically. The findings indicate that the bank implements a marketing mix strategy encompassing product, price, place, and promotion. This integrated approach has effectively expanded the customer base and helped meet annual financing targets. Key contributing factors include excellent service delivery and proactive promotional activities such as direct customer engagement, which have strengthened public trust in the Sharia-compliant financing scheme. These results provide practical insights for other Islamic financial institutions seeking to develop marketing strategies for inclusive financing products, particularly those targeting low-income communities.
Analyzing the Impact of Fintech and Banking Services on Shopee Usage: An Application of the Technology Acceptance Model (TAM) Adelia Safitri; Nuri Aslami; Juliana Nasution
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.v6i2.10465

Abstract

The development of digital technology has driven the transformation of payment systems and financial transactions, particularly through digital banking and financial technology (fintech) facilities, resulting in increased e-commerce usage. Drawing upon the Techonology Acceptance Model (TAM) as the theoretical foundation, this study aims to analyze the influence of banking and financial technology (fintech) facilities on Shopee e commerce usage among students of the Faculty of Islamic Economics and Business (FEBI) UIN North Sumatra class of 2022. This study used a quantitative method with a survey approach by distributing questionnaires to 91 respondents selected using a purposive sampling technique. Data were analyzed using multiple linear regression with the help of SPSS software, and validity, reliability, and classical assumption tests were conducted. The findings showed that partially banking and financial technology transaction facilities have a positive and significant influence on Shopee e-commerce usage. Simultaneously, both independent variables also have a significant influence on Shopee e-commerce usage. The coefficient of determination (Adjusted R Square) value of 0.968 indicates that 96.8% of the variation in Shopee e-commerce usage can be explained by banking and financial technology transaction facilities, while the remainder is influenced by other factors outside the study. The key finding reveals that fintech demonstrates a more dominant influence , reflecting higher perceived usefulness and ease of use through seamless platform integration, faster processing, and embedded incentives. The practical implication emphasize the need for banking institutions to enhance mobile banking UX/UI to match e-wallet flexibility, while universities should strengthen Islamic financial literacy programs addressing PayLater usage among students. The theoretical contribution extends the application of TAM in explaining digital payment adoption within Islamic economics contexts.
Peranan Pengelolaan Keuangan sebagai Pertanggungjawaban dalam Pembelanjaan Dana Desa Sesuai Standar Akuntansi Pemerintah di Desa Bah Jambi III Kecamatan Tanah Jawa Kabupaten Simalungun Afifah Aulia Khoirunisa; Muhammad Arif; Juliana Nasution
ManBiz: Journal of Management and Business Vol. 3 No. 1 (2024): ManBiz: Journal of Management and Business 
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v3i1.599

Abstract

This study aims to identify and describe the Role of Financial Management as Accountability in Spending Village Funds According to Government Accounting Standards in Bah Jambi III Village, Tanah Jawa District, Simalungun Regency. Method The approach in this research is a qualitative approach with a descriptive research type. The data sources used are primary data obtained by interviews and direct observation and secondary data obtained from related documents. The research location is located in Bah Jambi III Village, Tanah Jawa District, Simalungun Regency. The results of this study indicate that: (1) The village financial management mechanism is regulated in Law Number 6 of 2014 concerning Villages which explains that there are 5 cycles of financial management mechanisms, namely. planning, implementation, administration, reporting, accountability. (2) While the obstacles faced by the village government are low human resource capacity, disbursement of village funds, government. (3) In Application of Government Accounting Standards No. 01 in village financial accountability. Reporting and financial accountability have not implemented Government Accounting Standards No. 01, because the Financial Report for accountability made by Bah Jambi III Village
Analisis Peran Underwriter dalam Menyeleksi Risiko pada Produk Asuransi Jiwa Syariah di Allianz Cabang Kota Padang Aida Lasmi; Muhammad Arif; Juliana Nasution
ManBiz: Journal of Management and Business Vol. 2 No. 2 (2023): ManBiz: Journal of Management and Business 
Publisher : Institut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/manbiz.v2i2.614

Abstract

This study aims at the role of the underwriter in selecting in sharia life  insurance products, knowing the obstacles encountered by the underwriter in selecting the risk and the solutions applied to overcome these obstacles, and knowing the underwriting process of sharia life insurance at Allianz Padang City branch. The type of research used is descriptive research, with a qualitative approach. The conclusions of this study briefly are: (1) Underwriters have an important role in insurance companies because underwriters determine whether the insurance coverage can be accommodated by the company or not. (2) Obstacles encountered by underwriters in selecting risks are the availability of incomplete participant data, previous experience data of the insured and prospective insured not providing the desired budget and benefits, while the solution is to contact the agent concerned to obtain additional information needed by the underwriter, apply analysis to groups of prospective insurance participants as new participants, and provide standard premium rates and benefits. (3) The underwriting process begins when marketing applies for SPPA until the issuance.This study aims at the role of the underwriter in selecting in sharia life  insurance products, knowing the obstacles encountered by the underwriter in selecting the risk and the solutions applied to overcome these obstacles, and knowing the underwriting process of sharia life insurance at Allianz Padang City branch. The type of research used is descriptive research, with a qualitative approach. The conclusions of this study briefly are: (1) Underwriters have an important role in insurance companies because underwriters determine whether the insurance coverage can be accommodated by the company or not. (2) Obstacles encountered by underwriters in selecting risks are the availability of incomplete participant data, previous experience data of the insured and prospective insured not providing the desired budget and benefits, while the solution is to contact the agent concerned to obtain additional information needed by the underwriter, apply analysis to groups of prospective insurance participants as new participants, and provide standard premium rates and benefits. (3) The underwriting process begins when marketing applies for SPPA until the issuance.
Co-Authors Abda Abda Adelia Azizi Adelia Marhamah Adelia Safitri Adinda Afifa Afifah Aulia Khoirunisa Afifah Aulia Khoirunisa Afriza Mahendra Afrizal Afrizal Agiet Mutiara Rengganis Agiet Mutiara Rengganis Ahmad Fadli Ahmad Fauzi Ahmad Kurnia Ahmad Kurnia Ahmad Nasution, Rifaldi Ahmad Rusdi Hidayat Aida Lasmi Aida Lasmi Ajeng Manjana Ajeng Sundari Al Masri, Anas Zahir Alda, Fahimah Alfani, Dela Alimaini, Meri Ani alimaini, meriani Alivia Azzahra Alya Rahma Siregar Amelia Azura Amin Al Jawi Ananda Ibnu Sobri Hasibuan Anas Zahir Almasri Andi Hotmatua Harahap Andri Soemitra Andri Soemitra Anggi Rizkina Sari Siregar Annisa Hafizzah Hutabarat Annisa Javalia Hasanah Anri Akta Perdana Siregar Antin Kurnyasih Anugrah Ramanda Lubis Anwar Syarif Aqwa Naser Daulay Arifin Fauzi Lubis Ariska Dwi Chairunisyah Asriatun Fauziah Dalimunthe Asrul Aswinata Astri Astri, Astri Asyaadatun Nazila Selaya Asyaadatun Nazila Selayan Audina Rizka Zahra Aufia Zahra Fadilah Aulia Rahmah Ayu Sukmawati Ayu Yazida Hasibuan Azrin Bahri Harahap Bardatus Syahriyah Lingga Batubara, Maryam Bintang Akbar Azhari Boy Ridho Hamgara Boy Uli Kirana Situmorang Cantika Florentina Br Bangun Chair, Marsari Chairul Adly Ginting Chaniago, M. Fadli Chessara Addina Chuzaimah Batubara, Chuzaimah Cut Fadilah Daffa Baihaqi Purnomo Dalimunte, Ahmad Amin Damayanti, Anggita Dara Puspita Dea Dara audina Dela Alfani Devara Rustiana Devella, Siska Devi Aprilia Ningsih Dewi Siti Aisyah Dewi, Khadijah Dinda Putri Dharma, Budi Dhea Ayuni Rahmah Dhiftania Luthfiya Azra Diah Hanifah Daulay Dian April Yani Dian April Yani Dicky Aris Munanda Meliala Dicky Ramadhan Dimas Akbar Nugroho Dina Siregar Dinda Anggi Nurhayati Dini Safarina Dwi Septialamsyah Elvina, Ayu Eni Saputri Eri Manuri Evi Hermawati Evi Hermawati Fachrul Rozy Fadhila Rahma, Tri Inda Fadilla Miranty Fadlan Arrasyid Bintang Fadlul Rohman Fahimah Alda Fairuz Firjatullah Fajar Nugraha Fajar Sitanggang Faliha Ardhelia Nasution Fandy Rangkuty, Muhammad Hafif Farhan Khairi Muzanni Tarigan Farhan Lubis Farisi, Ahmad Fathur Rahman Baihaki Febriandi Akbar Sitompul Feby Sahira Fera Silvia Filza Filza Fitri Maharani Ritonga Fitri Rahmayani Fransiska, Silvia Frendi Maulana Gita Nurul Fitri Damanik Gunawan, Dandi Gustria Ningsih Habibah Shobri Hadziyah, Idzni Hafiz Irsyad Hanifah Oktaviani Fakhri Hanifah Ramadhani Harahap, Aswan Nawawi Harahap, Muhammad Ikhsan Harahap, Syarah Nurul Fhadhilah Hasanah, Aulia Hasibuan, Ismi Khoiriah Hayani, Nur Syamsidah Hedi Afandi Ritonga Hendra Harmain Hendra Harmain Hendra Kartika HENDRA SETIAWAN Hidayat, Ahmad Rusdi Hilma kholilah lubis Humairoh Qolbiah Siregar Iga Dwi Wardanah Imsar Imsar Imsar Imsar Imsar Imsar Imsar Indah Wahyu Prastiwi Indri Andini Iskandar, Irfan Isnaini Harahap Ithohirah Harahap Jannah, Nurul Jefri Mardan Jihan Karina Putri Kamilah, K Kamilah, Kamilah Khairani, Nazla Khairunnisa Asri Khairunnisa Khairunnisa Khairunnisa Saragih Kharisa Abdi Khofifah Sari Hasibuan Khofifah Shofy Aulia Khoirul Ardani Manurung Khoirul Tamimi Khoirul Yahya Kurniati, Tri Kurniawan Kurniawan Kusuma, Mitra Dewi Laila Hafni Lailanur Fadillah Nasution Laylan Syafina Lestari Nasution, Annio Indah Lingga, Bardatus Syahriyah Lubis, Siti Nurhaliza Luthfia Masfa Nur M. Daffa Maulana Nasution M. Daffa Nasution M. Ilham Saputra M.Indra Mulia Nasution Mahani Faiza Aulia Maharani, Anggun Debana Mahendra, Afriza Maidalena, Maidalena Maisaroh Maisaroh Maisaroh Maisaroh Majalipa Awalia Manurung, Nabila Tasya Nurhafifah Mardiah Khofifah Hasibuan Maria Santia Siregar Marliyah Marliyah Marliyah Marliyah, Marliyah Maryam Batubara Maryam Batubara Maulana Abdul Fattah Maulana Abdul Malik Tambunan Maulana Muhammad Hamzah Maylin Azzahra Maysara Hapni Tanjung Meiriyama, Meiriyama Meiti Fani Miftah Khoiriaturrahmah Miranda Panjaitan Mispa Herlina Wati Mufti, Robi Muhammad Anwar Muhammad Arif Muhammad Arif Muhammad Arif Muhammad Arif Muhammad Arif Muhammad Ezar Al Rivan Muhammad Farhan Alyusri Muhammad Fariz Adhitya Muhammad Fathoni Muhammad Hafiz Muhammad Hafiz Muhammad Hakim Nasution Muhammad Idris Nasution Muhammad Idris Nasution Muhammad Idris Nst Muhammad Ilzam Harahap Muhammad Lathief Ilhamy Nasution Muhammad Ramadhan Muhammad Riduan, Muhammad Muhammad Rizky Siregar Muhammad Sendi Muhammad Syahbudi Muhammad Yafiz Muhammad Yunus Sofian Muliana Munawarah, Desna Mursidah, Silmi Nadhrah Adlina Ritonga Nadya Ervina Saragih Nadya Haryanti Nafisah, Hana Nanda Aulia Nanda Nadila Yutia Narasyah Salmehira Nasution, Muhammad Idris Nasution, Nurul Izzah Natama Habibi Hazed Surbakti Nazla Khairani Niken Nurul Azizah Nilam Utami Aqillah Nita, Nita Erdina Niza Utami Novita Sari Novita Tanjung Nur Afria Nanda Safitri Nur Ahmadi Bi Ahmani Nur Ahmadi Bi Rahmani Nur Ahmadi Bi Rahmani Nur Haqqul Hisyam Al Ma’shum Nur Hasanah Nur Hidayah Pulungan Nur Laily Safitri Nuraini Nuraini Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nuri Aslami Nurlaila Nurlaila Nursantri Yanti Nurul Izzah Nasution Nurul Jannah Nurul Jannah Nurul Maghfirah Nurul Ni&#039;mah Qodriyah Nurul Pratiwi Nurussyifa Razak Nurwani Nurwani Nusroh Afifah Omiyati Oman Putri Pina Wardani Purnama Ramadani Silalahi Puspita, Rini Putri Rahmadany Putri Rahmaini Suheri Rafika Azwina Rahma, Tri Inda Fadhila Rahmah Sudana Siregar Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Hidayat Rahmatul Fadilah Rahmi Syahfitri Harahap Rahmi Syahriza Raihan Ramadhanty Raja Rendi Alfayed Rambe, M. Jepri Pratama Ramlah Rasikah Firjatullah Lubis Reni Ria Armayani Ridayanti Ridayanti Ridwan Azhari Lubis Rifki Ismal Rifky Nanda Putra Lubis Riska Adwiyah Hasibuan Riski Halomoan Siregar Riski Sobari Risma Warti Ritonga, Nadhrah Adlina Riyadi Riyadi Rizka Hidayanti Daulay Rizka Safitri Rizki Nur Amalia Nasution Rizky Febrian Saragih Rizqy Fahmi Roni Lawaldy Salwa Apriliza Salwa Fadhilah Haya Salwa, Nisrina Samsi Efendi Saparuddin Siregar Saparuddin Siregar Saputra, M. Ilham Saputri, Eni Saragih, Rizky Febrian Sarah Ramadhani Sari, Deva Kumala Satria Abdillah Ilman Seri Wahyuni Harahap Shafarina Nurul Izzah Shakinah, Putri Shapura, Mutiara Ratu Sheila Anggraini shinta Mustika Hutabarat Silmi Mursidah Sinta Nur Azlina Sintaini Fisholiha Siregar, Dhetia Putri Siregar, Khidir Siregar, Nabilah Hannani Siti Aisa Siti Amrina Hasibuan Sri Anjani Sri Ayu Fadhilah Sri Dewi Anggraini Sri Harahap Sri Maharani Sri Rahayu Sri Rahayu Sri Ramadhani Suci Ardilla Ramadhani Haharap Suci Ramadhini Sucita Alfiani Sugianto Sugianto Sugianto Sugianto Suhailatun Nafisah Supardi Supardi Suri Sakinah Handayani Suryani Suryani Susi Apriliani Syafri Hawari Lubis Syahri Fadhilla Syahri Fadhilla Syamsiar, Syamsiar Syamsul Bahri Syarbaini, Ahmad Muhaisin B. Tambunan, Khairina Tanzila Arifah Putri Tari Nur Syafni Sinaga Tengku Chairrani Tengku Muhammad Rafly Rachman Tiara Ermeli Tiara Fadilah Tri Atmojo Kusmayadi Tri Atmojo Kusmayadi Tri Danu Satria Tri Inda Fadhila Rahma Tri Inda Fadhila Rahma Tri Kurniati Tryana Ramadhany Batubara Tryana Ramadhany Batubara Tuti Anggraini Tuti Anggraini Ummi Rosyidah Ummu Hany Miftaloka Utami, Novidia Vania Ananda Nashuha Harahap Vera Maytara Vira Yuniar Wafiq Fitria Ashillah Wahyu Syarvina Wanhar Nasution Widya Agussani Widya Ayu Harahap Wirda Hediyati Wiwin Khairany Simanjuntak Wiwin Rita Sari Wulan Amelia Fernanda Yasmita, Hafsyah Yenni Samri Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yohannes, Yohannes Yusrizal Yusrizal Yusvi Rhofiva Tasya Zhafran, Faras Abiyyu Zharin F Syahdinar Zuhrinal M. Nawawi Zuhrinal M. Nawawi Zukhruf Fahri Zulfakhri Irfan Rangkuti Zulhamidah Zulhamidah Zulhamidah Zulhamidah Zulhamidah, Zulhamidah