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Leon, Farah Margaretha
Universitas Trisakti
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Factors that Influence Banking Performance in Indonesia Maria Albertina Dewanti Eston; Putut Jatmiko; Henny Setyo Lestari; Farah Margaretha Leon
Journal of Social Research Vol. 3 No. 1 (2023): Journal of Social Research
Publisher : International Journal Labs

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55324/josr.v3i1.1660

Abstract

This research aims to examine the influence of ESG Score, NPL, Bank Size, Bank Capital, Liquidity Risk, Bank Liquidity, revenue growth, Bank Leverage, Economic Growth, Inflation, Diversification, Labor Productivity, and ESG Score Moderating on Bank performance, which is shown with the achievement of Return on Assets. The research sample used in this research is banks listed on the Indonesia Stock Exchange for the period 2018 to 2022. Data was taken from time series data which contains data from 2018 to 2022 for the independent variable and bank performance as the dependent variable. The research methodology used is Ordinary Least Squares using Eviews 12 software. The findings and contributions in this research are that ESG Score, Non-Performing Loans, Bank Leverage, Economic Growth, and Inflation influence bank performance. Meanwhile, Bank Size, Bank Capital, Liquidity Risk, Bank Liquidity, and revenue growth do not have a significant effect on changes in bank performance. Bank Leverage, Economic Growth, and Inflation have a positive and significant effect on changes in bank performance, while ESG Score and Non-Performing Loans have a negative and significant effect on changes in bank performance. Banks can take advantage of Bank Leverage, Economic Growth, and Inflation opportunities to improve their performance so that investors are interested in buying bank shares. Low and controlled Non-Performing Loans will increase banking profits, thereby improving the bank's performance. It is hoped that the results of this research can provide input for banks and investors to consider ESG Score, Non-Performing Loans, Bank Leverage, Economic Growth, and Inflation in managing their business and in making investment decisions.
THE EFFECT OF DOMINANT RISK MANAGEMENT COMPONENTS IN ASSET-LIABILITY MANAGEMENT ON THE FINANCIAL PERFORMANCE OF COMMERCIAL BANKS IN INDONESIA Nindyan Permata Sari; Lidya Septiani Silaban; Farah Margaretha Leon
RISTANSI: Riset Akuntansi Vol. 7 No. 1 (2026): RISTANSI: Riset Akuntansi, Volume 7,Issue 1, May 2026
Publisher : Program Studi Akuntansi Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/ristansi.v7i1.2860

Abstract

This study aims to investigate the effect of bank size, leverage, capital adequacy ratio, interest rate risk, liquidity risk, and credit risk on financial performance. This study focuses on banks listed on the Indonesia Stock Exchange and analyzes financial statements from 2020 to 2024. Purposive sampling was used to select 38 banks for this study. Eviews 9.0 was used for panel data regression analysis. The results show that bank size, capital adequacy ratio, and liquidity risk have a significant positive effect, while credit risk has a significant negative impact. Interest rates and leverage have no effect. This implies that to maintain their financial success in the face of changing economic conditions, banks need to implement efficient risk management.
PENGARUH KARAKTERISTIK DEWAN DIREKSI TERHADAP KINERJA KEUANGAN YANG DIMODERASI OLEH BANK SIZE DI INDONESIA Nazmia Widiputri; Nesiya Disman; Farah Margaretha Leon
MANAJEMEN DEWANTARA Vol 10 No 1 (2026): MANAJEMEN DEWANTARA
Publisher : Universitas Sarjanawiyata Tamansiswa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30738/md.v10i1.21546

Abstract

This study analyzes the influence of board of directors’ characteristics on the financial performance of banks in Indonesia, considering the moderating role of bank size and control variables such as gross domestic product and liquidity risk rasio. The study using a quantitative approach and panel data from 21 commercial banks listed on the Indonesia Stock Exchange for the period 2019–2023, analysis used panel data regression techniques. The findings reveal that bank size and liquidity risk ratio have a significant positive effect on financial performance, measured by return on assets (ROA) and return on equity (ROE). However, board characteristics such as board size, board independence, board gender diversity, and board age diversity do not significantly influence financial performance, nor do their interaction terms with bank size or gross domestic product. Implication for bank management is the importance of focusing on bank size and liquidity risk rasio management to improve profitability, while the role of board characteristics requires further investigation.
PERAN MODERASI KARAKTERISTIK DEWAN KOMISARIS TERHADAP HUBUNGAN RASIO KEUANGAN DENGAN STABILITAS LABA PADA BANK KOMERSIAL DI INDONESIA Amriyadi Amriyadi; Intan Setyarini; Henny Setyo Lestari; Farah Margaretha Leon
Equilibrium : Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Vol 15, No 1 (2026): April
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/equili.v15i1.2764

Abstract

ABSTRAKPeriode 2020-2024 merupakan fase penuh gejolak bagi perbankan Indonesia akibat pandemi dan pemulihan ekonomi, di mana kualitas laba menjadi ujian sesungguhnya bagi keberlanjutan bank. Penelitian ini bertujuan membedah pengaruh kecukupan modal, likuiditas, dan profitabilitas terhadap kualitas laba, serta menguji apakah karakteristik dewan komisaris mampu memperkuat hubungan tersebut. Metode penentuan sampel yang digunakan adalah Purposive Sampling yang menggunakan sampel 43 Bank Umum Konvensional yang terdaftar di BEI dengan total 215 observasi, data dianalisis menggunakan regresi data panel Common Effect Model. Hasil riset menyingkap fakta menarik: modal besar dan profitabilitas tinggi ternyata bukan jaminan kualitas laba yang baik. Sebaliknya, rasio kredit terhadap aset Loan at Risk (LAR) justru berpengaruh negatif signifikan, mengindikasikan risiko kredit menggerus arus kas riil. Temuan terpenting (novelty) riset ini adalah peran krusial deversitas kebangsaan; kehadiran direksi/komisaris asing terbukti mampu memitigasi risiko kredit tersebut dan membalikkan pengaruh negatif LAR menjadi positif terhadap kualitas laba. Implikasinya, bank perlu mempertimbangkan talenta global dalam jajaran dewan untuk memperkuat manajemen risiko.ABSTRACTThe 20202024 period represents a turbulent phase for the Indonesian banking sector due to the COVID-19 pandemic and the subsequent economic recovery, during which earnings quality became a real test for bank sustainability. This study aims to examine the effect of capital adequacy, liquidity, and profitability on earnings quality, as well as to investigate whether the characteristics of the board of commissioners are able to strengthen this relationship. The sampling method used in this study is purposive sampling, with a sample of 43 Conventional Commercial Banks listed on the Indonesia Stock Exchange (IDX), resulting in a total of 215 observations. The data were analyzed using panel data regression with the Common Effect Model.The findings reveal several interesting facts: large capital and high profitability do not necessarily guarantee good earnings quality. In contrast, the Loan at Risk (LAR) ratio has a significant negative effect, indicating that credit risk erodes real cash flows. The main novelty of this research lies in the crucial role of nationality diversity; the presence of foreign directors or commissioners is proven to mitigate credit risk and reverse the negative impact of LAR into a positive effect on earnings quality. The implication of this finding suggests that banks need to consider global talent within their board composition inorder to strengthen risk management practices.
DAMPAK DIVERSIFIKASI BANK DAN KERUGIAN PINJAMAN TERHADAP KINERJA PERBANKAN DI INDONESIA Mia El Dabo; Farah Margaretha Leon
Equilibrium : Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Vol 14, No 2 (2025): September
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/equili.v14i2.2533

Abstract

ABSTRAKKinerja keuangan perbankan di Indonesia dipantau dan dicatat oleh Otoritas Jasa Keuangan (OJK). OJK mencatat bahwa pada tahun 2024, beberapa bank besar mengalami perlambatan pertumbuhan. Penelitian ini bertujuan untuk menganalisis pengaruh diversifikasi perbankan dan penyisihan kerugian pinjaman terhadap kinerja bank di Indonesia, yang diukur melalui NIM, ROAE, dan ROAA. Data yang digunakan merupakan data sekunder dari bank konvensional sebesar 130 data observasi dari 26 dikali 5 tahun dengan metode analisis regresi panel menggunakan Eviews 12. Hasil penelitian menunjukkan bahwa diversifikasi aset dan ukuran bank berpengaruh positif signifikan terhadap seluruh indikator kinerja. Funding diversification berpengaruh signifikan negatif terhadap NIM, ROAA dan tidak berpengaruh terhadap ROAE, Liquidity ratio berpengaruh signifikan positif terhadap ROAE, namun tidak berpengaruh terhadap NIM dan ROAA, dan rasio kredit bermasalah (NPL) berpengaruh signifikan positif terhadap ROAA, namun tidak berpengaruh terhadap NIM dan ROAE. Sebaliknya, Income diversification berpengaruh signifikan negatif terhadap ROAE, namun tidak berpengaruh terhadap NIM dan ROAA. Loans diversification berpengaruh signifikan negatif terhadap ROAA, namun tidak berpengaruh terhadap NIM dan ROAE, serta loans ratio menunjukkan pengaruh negatif terhadap kinerja. Selain itu, Capital ratio berpengaruh signifikan negatif terhadap NIM, ROAE, dan berpengaruh signifikan positif terhadap ROAA dan Operating efficiency berpengaruh signifikan negatif ROAA, berpengaruh signifikan positif terhadap NIM, namun tidak berpengaruh terhadap ROAE. ABSTRACTThe financial performance of Indonesian banks is monitored and recorded by the Financial Services Authority (OJK). The OJK noted that several large banks experienced a growth slowdown in 2024.This study aims to analyze the effect of banking diversification and loan loss provisions on bank performance in Indonesia, as measured by NIM, ROAE, and ROAA. The data used are secondary data from conventional banks amounting to 130 observation data from 26 times 5 years with panel regression analysis method using Eviews 12. The results of the study indicate that asset diversification and bank size have a significant positive effect on all performance indicators. Funding diversification has a significant negative effect on NIM, ROAA and has no effect on ROAE, Liquidity ratio has a significant positive effect on ROAE, but has no effect on NIM and ROAA, and non-performing loan ratio (NPL) has a significant positive effect on ROAA, but has no effect on NIM and ROAE. Conversely, Income Diversification has a negative and significant effect on ROAE, but has no effect on NIM and ROAA. Loan diversification has a significant negative effect on ROAA, but has no effect on NIM and ROAE, and the loan ratio shows a negative effect on performance. In addition, the Capital Ratio has a significant negative effect on NIM, ROAE, and a significant positive effect on ROAA and Operational Efficiency has a significant negative effect on ROAA, a significant positive effect on NIM, but has no effect on ROAE.
PENGARUH LIKUIDITAS DAN CAPITAL ADEQUACY RATIO TERHADAP KINERJA KEUANGAN (ROA): MODERASI UKURAN BANK PADA BANK KONVENSIONAL BEI 20202024 Yolanda Limbong; Novia Krida Kurniawati; Henny Setyo Lestari; Farah Margaretha Leon
Equilibrium : Jurnal Ilmiah Ekonomi, Manajemen dan Akuntansi Vol 15, No 1 (2026): April
Publisher : Lembaga Penerbitan dan Publikasi Ilmiah (LPPI) Universitas Muhammadiyah Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35906/equili.v15i1.2776

Abstract

ABSTRAKPenelitian ini menganalisis determinan kinerja keuangan perbankan di Indonesia dengan menekankan peran likuiditas dan kecukupan modal dalam memengaruhi profitabilitas bank. Meskipun telah banyak diteliti, temuan empiris mengenai pengaruh likuiditas dan kecukupan modal terhadap profitabilitas bank masih menunjukkan hasil yang tidak konsisten, terutama ketika mempertimbangkan perbedaan ukuran bank serta kondisi makroekonomi. Penelitian ini bertujuan untuk menguji pengaruh Liquidity Ratio, Deposit Assets Ratio, Current Ratio, dan Capital Adequacy Ratio terhadap kinerja keuangan bank, dengan Bank Size sebagai variabel moderasi serta Gross Domestic Product (GDP) dan inflasi sebagai variabel kontrol. Penelitian ini menggunakan pendekatan kuantitatif dengan data panel yang diperoleh dari 41 bank konvensional yang terdaftar di Bursa Efek Indonesia selama periode 20202024 dengan total 194 observasi. Metode analisis yang digunakan adalah regresi data panel dengan pemilihan model melalui uji Chow, uji Hausman, dan uji Lagrange Multiplier. Hasil penelitian menunjukkan bahwa Liquidity Ratio, Deposit Assets Ratio, Capital Adequacy Ratio, Bank Size, GDP, dan inflasi berpengaruh positif dan signifikan terhadap Return on Assets (ROA), sedangkan Current Ratio berpengaruh negatif dan signifikan terhadap ROA. Selain itu, Bank Size terbukti memperlemah pengaruh Liquidity Ratio dan Capital Adequacy Ratio terhadap kinerja keuangan. Temuan ini menunjukkan bahwa efektivitas pengelolaan likuiditas dan permodalan dalam meningkatkan profitabilitas bank dipengaruhi oleh karakteristik ukuran bank serta kondisi makroekonomi.ABSTRACTThis study analyzes the determinants of bank financial performance in Indonesia by emphasizing the role of liquidity and capital adequacy in influencing bank profitability. Although widely studied, empirical findings regarding the effects of liquidity and capital adequacy on bank profitability remain inconsistent, particularly when differences in bank size and macroeconomic conditions are considered. Therefore, this study aims to examine the effects of Liquidity Ratio, Deposit Assets Ratio, Current Ratio, and Capital Adequacy Ratio on bank financial performance, with Bank Size as a moderating variable and Gross Domestic Product (GDP) and inflation as control variables. This study employs a quantitative approach using panel data obtained from 41 conventional banks listed on the Indonesia Stock Exchange during the period 20202024, resulting in 194 observations. Panel data regression is applied as the analytical method, with model selection conducted through the Chow test, Hausman test, and Lagrange Multiplier test. The results indicate that Liquidity Ratio, Deposit Assets Ratio, Capital Adequacy Ratio, Bank Size, GDP, and inflation have a positive and significant effect on Return on Assets (ROA), while the Current Ratio has a negative and significant effect on ROA. Furthermore, Bank Size is found to weaken the influence of Liquidity Ratio and Capital Adequacy Ratio on financial performance. These findings suggest that the effectiveness of liquidity and capital management in improving bank profitability is influenced by bank size characteristics as well as macroeconomic conditions.
KEBERAGAMAN DEWAN DIREKSI DAN DAMPAKNYA TERHADAP KINERJA KEUANGAN KEBERLANJUTAN PERUSAHAAN MANUFAKTUR Virginia Victoria Auparay; Muhammad Nabiil Lintang; Farah Margaretha Leon
RISTANSI: Riset Akuntansi Vol. 6 No. 2 (2025): RISTANSI: Riset Akuntansi, Volume 6, Nomor 2, Desember 2025
Publisher : Program Studi Akuntansi Institut Teknologi dan Bisnis Asia Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32815/ristansi.v6i2.2684

Abstract

This research focuses on analyzing the influence of diversity within the board of directors on the financial performance of manufacturing enterprises registered on the Indonesia Stock Exchange. Employing a purposive sampling approach, the study selected 16 companies that fulfilled predefined criteria during the 2019-2023 period, which yielded 80 observational data. Panel data regression served as the primary analytical method. The findings revealed that gender diversity, company size, and leverage substantially influence financial performance, whereas age diversity and experience diversity do not show a meaningful effect. These findings highlight the importance of considering aspects of gender diversity and capital structure in a company's financial strategy. In conclusion, board gender diversity and efficient debt management can improve financial performance, whereas the age and experience of board members do not directly affect performance.
The Influence of Fundamental Factors and Digitalization on Firm Value Mediated by Corporate Social Responsibility in the Kompas 100 Index Companies in Indonesia Yappy, Ruddy; Leon, Farah Margaretha; Lestari, Henny Setyo; Muchtar, Susy
Dinasti International Journal of Economics, Finance & Accounting Vol. 7 No. 3 (2026): Dinasti International Journal of Economics, Finance & Accounting (July - August
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/dijefa.v7i3.7038

Abstract

Rapid economic growth amid environmental threats demands global governance capable of balancing green development with ecological sustainability, while also encouraging corporate contributions through Corporate Social Responsibility (CSR) to enhance Firm Value. The phenomenon of increasing Initial Public Offering (IPO) activities in Indonesia, particularly in the renewable energy sector and electric vehicle raw materials, demonstrates the strategic role of the capital market in supporting national economic growth. This study aims to examine the influence of Good Corporate Governance (GCG), capital structure, profitability, dividend policy, Digitalization, and gross domestic product on firm value with CSR as a mediating variable. The method used is a quantitative approach with secondary data from 100 companies listed in the Kompas 100 Index for the period 2020–2024 through purposive sampling. The research results show that CSR has a strategic role as a mediating mechanism in the relationship between internal company factors and Firm Value, although the direction of its influence is not always consistent with the theoretical hypothesis. These findings contribute to the literature on corporate governance, financial strategy, and Digitalization, and offer practical implications for management in designing CSR policies that can sustainably enhance Firm Value.
The Influence Of Bank-Specific Internal Factors On Profitability In Indonesian Banking : Akbar Maulana; Muhammad Ghifari Andrian; Farah Margaretha Leon
Journal of Management, Economic, and Accounting Vol. 5 No. 1 (2026): January
Publisher : Universitas Dehasen Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/jmea.v5i1.1167

Abstract

This study was aims to examined the effect of specific internal factors of banks, namely bank size, capital adequacy ratio, non-performing loan ratio, liquidity ratio, dividend payout ratio, and loan ratio, on the profitability of Indonesian banks listed on the Indonesia Stock Exchange (IDX) during the period of 2012-2024. The sample consists of 8 banks with a total of 102 annual observations. The analysis method used is panel data regression with a Random Effect Model approach using Eviews 9.0 software. The results of the study show that bank size and capital adequacy ratio have a significant positive effect on profitability, while the non-performing loan ratio has a significant negative effect on profitability. Meanwhile, the liquidity ratio and dividend payout ratio are expected to have a significant effect on banking profitability. These findings have important implications for bank management in optimizing capital structure, controlling asset quality, and determining dividend policy to achieve sustainable financial performance.
The Influence of Risk Management on Firm Performance in the Insurance Sector in Indonesia Meiliang Gozal Wikarsa; Fauzi Aldyka Tsaqif Firmansyah; Farah Margaretha Leon
International Journal of Environmental, Sustainability and Social Science Vol. 7 No. 2 (2026): International Journal of Environmental, Sustainability, and Social Science (Mar
Publisher : PT Keberlanjutan Strategis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38142/ijesss.v7i2.1804

Abstract

This study aims to analyze the effect of underwriting risk, reinsurance risk, technical provision risk, firm size, and leverage on the financial performance of conventional insurance companies in Indonesia. Financial performance is measured using return on equity. The study applies a quantitative approach using secondary data obtained from the financial statements of insurance companies listed on the Indonesia Stock Exchange during the period of 2020 to 2024, with a total of 200 observations. Panel data regression was employed, and the Hausman test indicated that the fixed effect model was the most appropriate. The results show that firm size has a positive and significant effect on return on equity. Meanwhile, underwriting risk and reinsurance risk have negative but insignificant effects, while technical provision risk and leverage have positive but insignificant effects. These findings suggest that company size plays an important role in increasing profitability, while risk-related variables do not significantly influence financial performance during the observation period.
Co-Authors ., Khairunisa ., Khairunisa ., Lyberisa ., Lyberisa Abas, Muhammad Rida Abdul Rahman, Johan Nazwar Adini, Charity Putri Adisty, Adisty Afriyanti, Evi Agustyas Widianingsih Aipah, Aipah Akbar Maulana Akram, Arie Muhamad Al Ghifari, Umar Kholifa Al Hakim, Naqib Fursan Alfarizki, Alfad Alodia, Salwa Chandra Amalia, Nurul Hikmah Amilawati, Salsabillah Amirah, Nishrina Nurul Amriyadi Amriyadi Andi Irawan Andriansyah, Rizky Andriyani, Kiki Afita Anggitia, Ajeng Angie Angie Anika Yuniarti Annisa Annisa Anriasa, Lundi Anwar Anwar Ardana, I Dewa Ayu Nadya Dhanari Kirana Argoeby, Yolla Aristianti, Aldelia Putri Ashry Natasya Puteri Atikasari, Nadya Afiola Aureliea Tarisha Azahra, Parasti Fatima Azzarachmawati, Yunida Bahtiar Usman, Bahtiar Baliartati, Beta Oki Bangun, Bastanna Erlayas Budi Santosa Budi Santosa Budiarto, Ikhfan Caecilia Rina Andari Chairul Amal Dabo, Mia El Darmawan, Rexy Deril Vikri Heriyantho Derita, Anastasia Mariana Desiyanti Desiyanti Devi Devi, Devi Dhonna, Asmara Diana Setiyaningrum Dillas Ligar Ramdhania Dirhamsyah Dirhamsyah Ega Monika Pili Eko Retno Indriyarti Elia Yulia Fadhilah, Sarah Alza Fadilla Rahma Hayati Hayati Fajar Rahmana Fajrina, Zahrina Faldi Rhayhan Fauzi Aldyka Tsaqif Firmansyah Fauzi, Restu Agung Febria Nalurita Febrianti, Rania Rahma Felix Hariyanto Firmansyah, Fauzi Aldyka Tsaqif Firstina Nur Fadilla Garvin muhamad verdiansyah Gina Ramadhanty Ginting, Karnida Retta Giovansyah, Reihan Yusuf Graficka Dea Evoney Gumilang, Gusti Setyo Hairunnisa Hairunnisa Haitsam, Muhammad Azzam Hana Fitri Rahmadhani Hardin, Niar Amelia Hariyanto, Felix Hartini Haslinda, Silmi Henny Setyo Lestari Herlina Herlina Herman Situmorang Hidajat, Amelia Hilaliya, Tasya Ida Susanti Indra Saputra Intan Setyarini Irfan Nafis Fatkhurrahman Irfan Putra Fadrianto Iskandar, James Islam, Annisa Izzati Isni Isni Jamaludin . Jati, Handoyo JR. Dwi Mas Sukma Agung Justine Tanuwijaya Karim, Nazwa Fadilla Kartika Sari, Putri Malynda Kartika, Nurmaya Kawengian, Fergie Rachel Kevin Herdiyanto Ardi Khairunisa, Shalsabila Khoirunnisa Primalia Krishna Aditya, Krishna Kristian Chandra Kristian Chandra Kristin, Marry Kurniawati Kuswardhana, Trias Laras Muchdianti Lestari, Henny Setyo Lestari, Heny Setyo Lestari, Setyani Dwi Liberty, Batara Alexander Lidya Septiani Silaban Lisa Kurnia Lucy Warsindah Lulu Qisthina Putri Lumangkun, Andro Geraldo M. Ardiansyah Maharani, Octavia Maria Albertina Dewanti Eston Martadisastra, Dedie Supriado Marthaningrum, Fitrianna Chandra Maryujati, Arini Giri Maulana, Muhamad Azril Maulana, Tubagus Rama Maulana, Yanda Meiliang Gozal Wikarsa Mela Aryasari Mia El Dabo Mochamad Abdul Rochim Muhammad Dika Primaduta Muhammad Ghellwynne Farhane El Mumtaz Muhammad Ghifari Andrian Muhammad Nabiil Lintang Muhammad Naufal Muhimah, Khoirul Murdiah, Siti Muroqi, Achmad Muthia Anggraeni, Muthia Mutyarawati, Herlita Nadia Karina Harahap Nadiea Kartika Hany Naya Lutfiyah Anas Nazmia Widiputri Neryn Septy Pamelynda Nesia Ardelia Nesiya Disman Nida Abdilla Ritonga Nilasari , Medina Nina Adriani Nindyan Permata Sari Ningsih, Shaprillia Chandra Novethesia, Maya Novia Krida Kurniawati Nugraha Jasmin Putriyan Nur Aisyah Nur Wahyuni AR Nuralya, Firda Ulfah Nurizka Anindia Nurul Hikmah Amalia Nurul, Istania Nuury Nurmelia Oscar, Yosia Ovy Noviati Nuraini Magetsari Palgunadi, Andre Panjaitan , Risduan Panjaitan, Zulkarnain Pertiwi, Silva Nurbaiti Pia Astuti Pitutur, Fajar Jati Pradana, Firmansyah Adhitya Pramesti Baskoro Dewi Pramudiani, Jeni Putri Prana Sri Surya Dewi Pratama, Muhamad Davala Hadi Prilia, Anastasia Arum Gerda Purba, Yosephina Purba, Yosephina Purba, Yosephina E Purba, Yosephina Endang Purwidyasari, Scholastica Meillia Putri Putri Nurluthfi Azzahra Putri, Balqis Zaskia Olivia Putri, Fara Ghassani Putri, Indira Pramestya Putri, Sherly Cheisa Putut Jatmiko Radhiyya, Khalisha Rafif, Ghaissan Rahayu, Ismi Kurnia Ningsih Rahmawati, Ulfi Naria Ramadania, Zafira Ramadhini, Andjani Putri Ratna Isnaini Renaldi, Eki Reskika, Nadira Reyhan Sofian Savero Reza Arief Pambudhi Reza, Heru Kreshna Rezalia, Vinny Ria, Fanny Roswita Ricardo, Wilson Ricky Rifqi Pandu Kusuma Risduan Panjaitan Romanista Purba Rombebunga, Meyjerd Rosalina, Linda Rosidah Panjaitan Salsa Kira Husnanda Salshabilla, Vilda Lebbytha Dianie Sandro Dananjaya Sandy, Nuroksihah Putri Sanjaya, Ricky Sasantyarini, Sasantyarini Selamet Riyadi Setyo Lestari, Henny Siagian, Belinda Mora Silfhia, Mega Silmi Haslinda Simamora, Asnita Sita Noveni Raudha Situmorang, Angeline Marcelina SL, Henny sofiah baisa Sony Hendrawan Sopandi, Destya Amelia Rachmawati Sudarmanto, Didik Sudrajat, Anastasya Yulianti Suhardono, Adhyatma Ndaru Sukma Agung, Dwi Mas Sukmamuliawanty, Elza Susy Muchtar, Susy Syifa, Rumaisya Talitha Syahda Thomas Budiman Tsaabitah Aleatuffaahatie Udipta, Rizky Prastya Umayaksa, Fitra Amalya Upekca, I Wayan Astu Utari, Leli Veronika Mutianingsih Vina Octaviani Virginia Victoria Auparay Wahyuni Rusliyana Sari Wahyuni, Lidia Walidaeni, Ihsanul Wardana, Nofrizal Bagas Wicaksono, Ignatius Henry Widyastuti, Hindarsih Wiguna, Utomo Adi Wijaya, Dewi Deliana Wikarsa, Meiliang Gozal Wildan Wildan Willy Arafah, Willy Wina Yappy, Ruddy Yohanis, Yohanis Yolanda Limbong Yongki , Yongki Yongki Yongki Yudha, Andhika Purnama Yuwono, Y.