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Tambunan, Khairina
Universitas Islam Negeri Sumatera Utara Medan
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Pengaruh Ekonomi Digital, Investasi dan Dana Zakat Infak Sedekah Terhadap Pertumbuhan Ekonomi di Indonesia Risna Ina Dewi; Imsar Imsar; Khairina Tambunan
JIEP: Jurnal Ilmu Ekonomi dan Pembangunan Vol 6, No 1 (2023)
Publisher : PPJP Universitas Lambung Mangkurat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/jiep.v6i1.8690

Abstract

This study aims to see whether there is an influence of the digital economy, Investment, and ZIS funds on economic growth in Indonesia. The dependent variable that is applied is Economic Growth, for the independent variables that are applied are the digital economy, Investment, and ZIS funds. In this study, a multiple linear regression model was used to analyze and use time-series data which was interpolated into monthly data from 2017 to 2021. The data used in this study was secondary data which was completed using the Eviews 10 application. The hypothesis testing results show that partially the digital economy has a significant influence on economic growth in Indonesia, partially, Investment has a significant influence on economic growth in Indonesia, and partially ZIS funds also have a significant influence on economic growth in Indonesia. The digital economy, Investment, and ZIS funds together have an influence on economic growth in Indonesia. This means that the ZIS Digital Economy, Investment, and Fund variables are able to provide an explanation of economic growth in Indonesia.
Pengaruh Literasi Keuangan Syariah, Social Media Influence Marketing, dan Layanan Mobile Banking terhadap Minat Mahasiswa Fakultas Ekonomi dan Bisnis Syariah Unversitas Islam Negeri Sumatera Utara Menggunakan Produk Bank Syariah Indonesia Titin Ayu Lestari; Sugianto Sugianto; Khairina Tambunan
JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Vol 3 No 2 (2023): JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen
Publisher : Universitas Muhammadiyah Enrekang

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Abstract

Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) tahun 2019 menunjukkan indeks literasi keuangan syariah sebesar 16,3% dengan market share perbankan syariah masih di angka 6,74%. Ini menunjukkan bahwa perbankan masih dikuasai oleh bank konvensional. Dengan Penetrasi Internet sebesar 73,7% mengharuskan perbankan khusunya bank syariah mengupgrade sistem pelayanannya dengan mobile banking. Terlebih 60,8% penduduk indonesia aktif dalam menggunakan media sosial, dapat membuka mata perusahaan untuk mengubah sistem marketing tradisional dengan digital marketing. Penelitian ini bertujuan menganalisa pengaruh literasi keuangan syariah, social media influencer marketing dan mobile banking terhadap minat mahasiswa menggunakan produk bank syariah. Penelitian ini menggunakan teknik analisa data menggunakan uji regresi linear berganda dengan bantuan SPSS Statistic 29 dengan survey menggunakan kuesioner dengan populasi sebanyak 4464 siswa dan sampel sebanyak 100 responden. Hasil penelitian menunjukkan bahwa literasi keuangan syariah tidak berpengaruh positif secara parsial, sedangkan variabel social media influencer marketing, dan layanan mobile banking berpengaruh secara persial
ANALISIS CRYPTOCURRENCY SEBAGAI ALAT ALTERNATIF BERINVESTASI DI INDONESIA Dinda Anisa; Tuti Anggraini; Khairina Tambunan
Owner : Riset dan Jurnal Akuntansi Vol. 7 No. 3 (2023): Vol. 7 No. 3 (2023): Research Artikel Volume 7 Issue 3: Periode Juli 2023
Publisher : Politeknik Ganesha Medan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33395/owner.v7i3.1698

Abstract

This research was carried out in order to gain a better understanding of cryptocurrencies, as well as the position of Islamic law in relation to them as a form of alternative investment in Indonesia. This research is a qualitative investigation utilizing phenomenological and descriptive methodologies. The data that was used came from the library and was backed by a number of papers and books that were linked to the issues that were investigated in this study using a syar'i normative methodology. It is possible to invest in Crytocurrency, trade Crytocurrency, or utilize Crytocurrency as a form of payment. In addition to Bitcoin, several other forms of Crytocurrency are also seeing widespread use. Different points of view on Crytocurrency can be found within the community, which can give rise to both pros and negatives. Because there is no legislation in Indonesia that recognizes Crytocurrency as a form of payment or currency, it is illegal to utilize Crytocurrency there. Since the price is still volatile and there are still flaws in the security, the discussion around cryptocurrencies such as Bitcoin has not yet reached an advantageous point. Some Ulama say, from the perspective of Islamic law, that this kind of digital currency does not have clarity and cannot be physically seen, allowing for the possibility of fraud. As a result, they consider Crytocurrency to have aspects of Gharar. The usage of Crytocurrency in investment and trading makes it inseparable from speculation about the price, which is highly volatile and is solely used as a tool for making profits and losses. Maysir is a component of Crytocurrency. Because the significance of this crypto currency spans such a wide range of areas, particularly those pertaining to technology and the economy.
The Effect of Third Party Funds and Murabahah Margin Income through Corporate Social Responsibility (CSR) as Intervening Variables on Bank North Sumatra Syariah's Profit in 2019-2022 Raisa Muthia Syahrani Hasibuan; Tuti Anggraini; Khairina Tambunan
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.980

Abstract

One of the indicators of the viability of a bank is its profit. Profitability is an important indicator for the long-term survival of the operation of Islamic institutions. The formulation of this research problem is whether DPK and murabahah margin have a partial and simultaneous effect on CSR. Is there a simultaneous and partial influence of deposits, murabahah margins, and CSR on Bank Sumut Syariah's profits? Can CSR mitigate the impact of deposits and murabahah margins on Bank Sumut Syariah's profits? The research method used is the quantitative research method with a purposive sampling technique. Secondary data in the form of quarterly financial statements of Bank Sumut Syariah is used for the 2019-2022 period. Classical assumption tests, multiple linear regression analysis, t-tests, F tests, coefficients of determination, and path analysis are used for data analysis. The results of this study show that: (1) Deposit margin and murabahah affect CSR, as shown by the findings of this study (2) Deposit and murabahah margin affect Bank Sumut Syariah's profit (3) CSR does not have an impact on Bank Sumut Syariah's income. The effect of deposits and murabahah margins on Bank Sumut Syariah's profit cannot be mediated by CSR as an intervening variable. Islamic banking is expected to increase profit generation so as to maintain bank operational stability by increasing fund collection and optimizing incoming revenue, based on research results.
The Effect of Islamic Work Ethics, Work Strees, and Work Life Balance on Employee Performance with Work Loyalty as an Intervening Variable at Bank Sumut Syariah KCP Katamso Medan Rafika Afifah Angkat; Ahmad Perdana Indra; Khairina Tambunan
Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Vol. 11 No. 2 (2023): Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam
Publisher : Prodi Ekonomi Syariah STAI Al-Azhar Menganti Gresik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37812/aliqtishod.v11i2.981

Abstract

The purpose of this study was to investigate the relationship between Islamic work ethics, workplace stress, and work-life balance, as well as the mediating role of employee loyalty, and employee performance at Bank Sumut Syariah Kcp Katamso Medan. The methodology used here is a quantitative form of survey research. For the study, researchers used a saturated sample size of 56 participants. The methodology for testing this research model uses path analysis. Employee performance was found to be positively influenced by work-life balance, positively influenced by job satisfaction, positively influenced by work stress, positively influenced by Islamic work ethics, positively influenced by work stress, positively influenced by job satisfaction, positively influenced by work-life balance, and positively influenced by Islamic work ethics. Job satisfaction does not moderate the relationship between work-life balance and productivity, nor does it moderate the impact of stress on productivity, but moderates the impact of Islamic work ethics on productivity. Employee output; Islamic work ethics significantly increase worker happiness.
FAKTOR INTERNAL DAN EKSTERNAL YANG MEMPENGARUHI MARGIN DALAM PEMBIAYAAN AKAD MURABAHAH PADA BANK SYARIAH DI INDONESIA Khoirul Ardani Manurung; Tuti Aggraini; Khairina Tambunan
SCIENTIFIC JOURNAL OF REFLECTION : Economic, Accounting, Management and Business Vol. 6 No. 3 (2023): SCIENTIFIC JOURNAL OF REFLECTION: Economic, Accounting, Management, & Business
Publisher : Sekolah Menengah Kejuruan (SMK) Pustek

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37481/sjr.v6i3.697

Abstract

This study aims to determine the relationship and influence between internal and external factors that affect margins in financing murabaha contracts in Islamic banks in Indonesia. The type of research used in this research is quantitative research. The data used in this research is time series data for the period January 2021-2023.. The population used in this study is the financial report data of Bank Syariah Indonesia Iskandar Muda Kcp. While the sample in this study is the financial reports of Bank Syariah Indonesia Kcp Iskandar Muda from the first quarter of 2021 to the fourth quarter of 2023, namely 9 samples. Sampling in this study using saturated sampling technique. The calculation of the variables was carried out using the SPSS version 23.0 program. In this study, there are two factors that influence murabahah financing at financial institutions, namely internal factors and external factors. Internal factors are factors originating from within the bank itself. In this study several internal factors that influence the amount of murabahah financing are Non Performing Financing (NPF) and the Financing to Deposit Ratio. Apart from internal factors, the amount of murabahah financing is also influenced by external factors. External factors are factors that come from outside the bank such as inflation. So the variables used in this study are dependent variables such as the amount of Murabahah Financing (Y), while the independent variables used in this study are: Non Performing Financing (NPF) (X1), Financing to Deposit Ratio (FDR), (X2) and inflation (Y). The partial and simultaneous regression coefficient test results show that the variables NPF, FDR, and INFLATION have a significant effect on the amount of murabahah financing. This means that the higher the NPF, FDR, and INFLATION, the amount of Murabahah Financing at Bank Syariah Indonesia KCP Iskandar Muda is increasing.
PENGARUH PENGGUNAAN UANG ELEKTRONIK TERHADAP PERILAKU KONSUMTIF PADA MAHASISWA UIN SUMATERA UTARA Khairina Tambunan; Muhammad Imam Daei; Heri Kurniawan
Ekonom : Jurnal Ekonomi dan Bisnis Vol 3 No 1 (2023): Ekonom: Jurnal Ekonomi dan Bisnis
Publisher : Yana Research

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58432/ekonom.v3i1.715

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh penggunaan uang elektronik terhadap perilaku konsumtif mahasiswa dan untuk mengetahui perilaku konsumtif mahasiswa yang ditimbulkan ketika menggunakan uang elektronik pada mahasiswa universitas Islam Negeri Sumatera Utara. Penelitian ini menggunakan pendekatan kuantitatif dengan metode penelitian survei dan menggunakan metode analisis regresi linier sederhana. Uji data menggunakan SPSS 23 for Windows. Penulis menggunakan 30 sampel responden mahasiswa Ekonomi Islam Universitas Islam Negeri Sumatera Utara .Hasil penelitian menunjukkan bahwa Analisis yang digunakan menggunakan analisis regresi sederhana Ŷ = = 5,975+ 0,828x Berdasarkan hasil analisis dapat ditarik hasil uji t diperoleh t hitung (6.659) > t table (2.4671)  dengan nilai signifikan sebesar 0,000 < 0,05 artinya adanya pengaruh signifikan Penggunaan Uang Elektronik secara signifikan berpengaruh terhadap Perilaku Konsumtif pada Mahasiswa UIN Sumatera Utara. ABSTRACT This study aims to determine the effect of using electronic money on student consumptive behavior and to determine student consumptive behavior that arises when using electronic money among students at the State Islamic University of North Sumatra. This study uses a quantitative approach with survey research methods and uses a simple linear regression analysis method. Test the data using SPSS 23 for Windows. The author used 30 samples of Islamic Economics student respondents at the State Islamic University of North Sumatra. The results showed that the analysis used was simple regression analysis  Ŷ = 5,975+ 0,828x. Based on the results of the analysis, it can be drawn that the t test results obtained t count (6.659) > t table (2.4671) with a significant value of 0.000 <0.05, meaning that there is a significant influence of the use of electronic money that has a significant effect on consumptive behavior in students of UIN Sumatra Utara.    
ANALISIS PEMBIAYAAN KUR MIKRO DALAM MENINGKATKAN PENDAPATAN NASABAH DI BSI KCP PULO BRAYAN DENGAN PRINSIP BAGI HASIL Ayuni Syafitri; Muhammad Lathief Ilhamy Nasution; Khairina Tambunan
NISBAH: Jurnal Perbankan Syariah Vol. 9 No. 1 (2023): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v9i1.9604

Abstract

Para pelaku Usaha Mikro, Kecil, dan menengah (UMKM) dalam studi kasus ini tidak memiliki modal yang cukup sehingga sangat sulit bagi mereka agar membangun usahanya. serta BSI menawarkan pinjaman modal usaha agar UMKM melalui pembiayaan mikro KUR BSI, yang didasarkan pada gagasan bagi hasil. Bank BSI juga menawarkan pinjaman KUR tanpa agunan, dengan limit pinjaman mulai dari Rp5 juta hingga Rp25 juta. KUR BSI juga menggunakan konsep bagi hasil dalam pembiayaan mikronya. Tujuan dari kasus ini adalah agar mempelajari bagaimana pendapatan nasabah berubah setelah mendapatkan pinjaman mikro dari BSI KCP Pulo Brayan, dengan gagasan bagi hasil sebagai variabel di antaranya. Penelitian ini menggunakan metode studi yang berorientasi praktik yang disebut studi kasus tunggal kualitatif. agar mengumpulkan sebagian besar materi mereka melalui observasi serta percakapan. Berdasarkan hasil kajian, rata-rata pendapatan nasabah mikro yang mendapat pinjaman dari BSI Kcp Pulo Brayan naik 30–60%. Namun ada beberapa nasabah yang pendapatan usahanya justru turun karena tidak menggunakan dananya agar modal usaha melainkan agar kebutuhan pribadi. Dalam hal bekerja dengan modal usaha yang terbatas, temuan studi kasus ini dapat dilihat sebagai hal penting baik bagi profesional perbankan syariah maupun UMKM.
Pengaruh Harga Pupuk, Harga CPO Dan Harga Jual TBS Terhadap Kesejahteraan Petani Sawit Di Kecamatan Pematang Bandar Kabupaten Simalungun Di Tinjau Dari Perspektif Ekonomi Islam Egi Regi Prayoga; Sri Sudiarti; Khairina Tambunan
Jurnal Mahasiswa Kreatif Vol. 1 No. 6 (2023): November : Jurnal Mahasiswa Kreatif
Publisher : Universitas Katolik Widya Karya Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59581/jmk-widyakarya.v1i6.1520

Abstract

This research discusses the influence of fertilizer prices, CPO prices, FFB selling prices on the welfare of palm oil farmers from an Islamic economic perspective. This research aims to determine the influence of fertilizer prices, CPO prices, FFB selling prices on the welfare of palm oil farmers from an Islamic economic perspective. This research data is primary data obtained directly from the first source, both from individuals and individuals, such as the results of filling out questionnaires and observations. The data analysis technique used is multiple linear regression analysis using SPSS (Statistical Package For Social Science) 23 software. The results of the research conducted show that fertilizer prices have a positive and significant effect on the welfare of oil palm farmers in Pematang Bandar District, Simalungun Regency. CPO prices have a positive and significant effect on the welfare of oil palm farmers in Pematang Bandar District, Simalungun Regency. The selling price of FFB has a positive and significant effect on the welfare of oil palm farmers in Pematang Bandar District, Simalungun Regency.
Strategi Pelayanan Customer Service dalam Meningkatkan Jumlah Nasabah pada Bank Syariah Indonesia KCP Gunung Tua Risma Haryani Siregar; Khairina Tambunan
Innovative: Journal Of Social Science Research Vol. 3 No. 5 (2023): Innovative: Journal of Social Science Research
Publisher : Universitas Pahlawan Tuanku Tambusai

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Abstract

Customer Service merupakan suatu bagian dari unit organisasi atau bank yang mampu menangani kebutuhan nasabahnya, adapun tugas customer service ialah memberikan pelayanan dan membangun hubungan yang baik dengan nasabah. Tujan penelitian ini untuk mengetahui strategi pelayanan Customer Service dalam meningkatkan jumlah nasabah pada Bank Syariah Indonesia KCP Gunung Tua, serta Faktor-Faktor yang mempengaruhi Customer Service dalam meningkatkan Pelayanan pada Bank Syariah Indonesia KCP Gunung Tua. Dalam penulisan ini penulis menggunakan metode wawancara, observasi dan dokumentasi. Hasil penelitian ini, strategi yang digunakan ialah customer service bersikap ramah kepada nasabah,komunikatif dan name tag yang selalu diperlihatkan. Faktor yang mempengaruhi Customer service dalam meningkatkan pelayanan ialah faktor Sumber Daya Manusia, serta faktor kualitas produk.
Co-Authors Achmad Al Hafiz Lubis ADELIA Agung Wibowo Ahmad Firdaus Lingga Ahmad Perdana Indra Aidila Syafitri Ainun Reska Ali Djamhuri Ali Mahadi Ritonga Amanda, Feby Aulia Amin Akbar Ananda, Muhammad Risqi Andri Soemitra Andri Widiani Anisah Salsabila Nasution Anni Zuhro Syafrida Hasibuan Annisa Ulul Azmi Panjaitan Anriza Witi Nasution Antin Kurnyasih Arifin Fauzi Lubis Arnasyah, Indah Dwi Astri, Yulita Athifa Radella tabina Atika Atika Aula Maulidah Auliya Ahmad Suhardi Ayuni Syafitri Ayuni Syafitri Azhari Akmal Tarigan Azhari, Farah Indah Bako, Risma Wati Boangmanalu, Farida Hanum Chuzaimah Batubara Chuzaimah Batubara Chuzaimah Batubara, Chuzaimah Cindy Anggreni Cintia Indriyani Daryan Muhsin Hadi Batubara Deni Dharmawansyah Denny Permana Siregar Dewi, Risna Dian April Yani Dimas Surya Dinda Anisa Dorlan Habibi Dwi Yanti Sahriana Efrianda Hutabarat, M. Rafiq Egi Regi Prayoga Egi Regi Prayoga Ekry Syahriwanda Enjeli Erwin Fitrah Jauhari Eza Okhy Awalia Br Nasution Fadhila Rahma, Tri Inda Fadhillah, Afrahul Fadillah Ramadhani Siregar Fahmil Fadillah Faizah Hasibuan Fany Renaldy Harahap Faza Halillah Feby Aulya Wardani Fika Nurtivanny Fitra Ilham Ramadhan Fitri Adinda Pasaribu Fitriyani Franaya Al Arfa Franaya Al Arfa Franaya Al Arfa Ghilman Rozy Hrp Ginting, Siti Nurhasanah Br Gunawan Prasetio Habibah Shobri Hafiza Putri Barus Haliza Jewina Hanafi Nasution, M Mifta Harahap, Muhammad Ikhsan Harahap, Syarah Nurul Fhadhilah Hasanah, Sri Nurul Hasibuan, Siti Rama Hasriyati Hanum Siregar Hawanda, Maisyah Hawari, Habil Mirza Hendra Harmain Hendra Harmain Hendra Harmain Heri Kurniawan Hilma Kholilah Lubis Hilman Hanif Hotbin Husugian Hutabarat, Siti Lutfia Ihsan Alfi Lubis Ilfi Rayuarfika Siregar Imsar Imsar Imsar Imsar, Imsar Indah Permata Sari Inggit Eka Saputri Inna Insana IrawanLubis, Muhammad Fahri Irma Rahmawani Panjaitan Irsan Al Fadhil Nasution Isnaini Harahap Jannah, Nurul Jodi Syahputra Juliana Nasution Juliati Nasution, Yenni Samri Khafifah Parawansa Khairul Hasanah Khalya Maya Amalia Khofifah Sari hasibuan Khoirul Ardani Manurung Laiyinna Misqha Efendi Listika Putri Lestari Nasution Lubis, Melisa Lubis, Mutiara Suci Kesuma M Luthfi Perdana Siregar M Nawawi, Zuhrinal M Rayhan Kamil M. Ridwan M.E.I Arfan Tanjung Manullang, Adinda Syariana Dewi Marliyah Marliyah Maryam Batubara Maryam Batubara Maulida Qadisyah Maya Oktavia Dalimunthe Meutia Maulida Rahma Mhd Faisal Anwar Afandi Rambe Miftahul Husna Hutapea Milia Ningrum, Eka Minda Agustina Muhammad Al Giffary Muhammad Alwi Setiawan Muhammad Arif Muhammad Azy Rahmanda Lubis Muhammad Fawwaz Eljawahir Hsb Muhammad Hasan Asy Ary Muhammad Ikhwanda Nawawi Muhammad Ilzam Harahap Muhammad Imam Daei Muhammad Lathief Ilhamy Nasution MUHAMMAD MUSTHOFA Muhammad Raihan Muhammad Sandi Muhammad Yafiz Mustafa Hidayat Nasution Mustapa  Khamal  Rokan Mustika Ayu Anggreini Muthia Aisyah Mutiara Dewi, Mutiara Naili Nuril Aufa Manik Naser Daulay, Aqwa Nasution, Dwi Rizki Nabila Nasution, Wahyuni Br. Nawawi, Muhammad Ikhwanda NIKITA ZULYAN BATUBARA Ningsih, Anggi Aditiya Niza Utami Novita Hannum Harahap Novita Sari NUR AHMADI BI RAHMANI Nur Syafikah Lubis Nurbaiti , Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nuri Aslami Nurlaila Nurlaila Nurlaila Nurul Aflah Harahap Nurwani Pane, Jihan Atiqah Panyusunan, Raja Pina Wardani Purnama Ramadani Silalahi Purnama Ramadhani Silalahi Purnama Ramadhani Silalahi putri, amanda afriza Qadisyah, Maulida Rafi Husin Harahap Rafika Afifah Angkat Rafika Ananda Putri Rafika Azwina Rahmad Riho Zeen Rahmadhana, Efri Raihani Azzahra Aljune Raisa Muthia Syahrani Hasibuan Ramadhani, Sri Rani Alfiani Rendi Setiawan Purba Reni Ilma Sari Repa Jimmy Siregar Ridwan, Aldy Rifki Ismal Risfa Dwi Andini Risma Haryani Siregar Risma Warti Risna Ina Dewi Ritonga, Rizka Sabila Riza Saharah Piliyang Rizki Harnita Rizkika Yulika Rizky Febrian Saragih Roren, Yeli Salwa Fadhilah Haya Saparuddin Siregar Sari, Indaniaty Hasanah Satria Abdillah Ilman Seli Sasmita Sholiha, Sintaini Fi Siti Aisyah Siti Amrina Hasibuan Siti Bejana Siagian Sitohang, Misbah Sri Ainun Sri Rezeki sri sudiarti Sri Sudiarti Sugianto Sugianto Sugianto Sugianto Sugianto Sugianto Surya Alfi Nurrahma Suryadi Syabatullah Suryani Suryani Susana Paixão-Barradas Syahla, Nurul Syahputra, Jodi Tanjung, Ahmad Fuadi Taqiya Zahrowaini Tarigan, Evelyne Vagittha br Titin Ayu Lestari Tri Inda Fadhila Rahma Tri Indah Fadhilah Tuti Aggraini Tuti Anggraini Tuti Anggraini Ujung, Asna Ul Husni Wanda Hamidah Widya Ayu Harahap Wika Lutfiah Sakinah Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yenni Samri Juliati Nst Yola Aprilia Sibagariang Yuliana Putri Yuningsih, Apriliani Yusrizal Yusrizal Yusrizal Yusrizal ZAHRINA GHAISANY PULUNGAN Zhara Hafizha Zidane, Muhammad Raihan Zuhdi, Muhammad Farhan Zuhrinal M. Nawawi