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All Journal Jurnal Manajemen Terapan dan Keuangan Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura I-Finance Journal Dinar: Jurnal Ekonomi dan Keuangan Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam INTERNATIONAL JOURNAL ON LANGUAGE, RESEARCH AND EDUCATION STUDIES Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Al-Mashrafiyah : Jurnal Ekonomi, Keuangan, dan Perbankan Syariah Scientific Journal of Reflection : Economic, Accounting, Management and Business SEIKO : Journal of Management & Business JURNAL PENDIDIKAN TAMBUSAI NISBAH: JURNAL PERBANKAN SYARIAH OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi Jesya (Jurnal Ekonomi dan Ekonomi Syariah) JOURNAL OF APPLIED BUSINESS ADMINISTRATION Istinbath: Jurnal Hukum dan Ekonomi Islam Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Syarikat : Jurnal Rumpun Ekonomi Syariah Jurnal Riset Manajemen Sekolah Tinggi Ilmu Ekonomi Widya Wiwaha Program Magister Manajemen JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Ecobisma (Jurnal Ekonomi, Bisnis dan Manajemen) Informatika Jurnal Informatika Ekonomi Bisnis Tasharruf: Journal Economics and Business of Islam Al-Kharaj: Journal of Islamic Economic and Business JURNAL AKUNTANSI KEUANGAN DAN MANAJEMEN Ilomata International Journal of Management Jurnal Ilmiah Manajemen Kesatuan JURNAL MANAJEMEN PENDIDIKAN Enrichment : Journal of Management Aghniya: Jurnal Ekonomi Islam Cakrawala Repositori Imwi Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Journal of Islamic Economics and Finance Studies Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Ilomata International Journal of Management Quantitative Economics and Management Studies Management of Zakat and Waqf Journal (MAZAWA)) Jurnal Ilmu Ekonomi dan Bisnis Islam EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial El-Mujtama: Jurnal Pengabdian Masyarakat Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Kontigensi: Jurnal Ilmiah Manajemen Jurnal Ekonomi Journal of Islamic Economic and Business Research INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Journal of Indonesian Management Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah EKSYA: Jurnal Ekonomi Syariah Islamiconomic: Jurnal Ekonomi Islam Journal of Innovation Research and Knowledge el-Amwal CASHFLOW : CURRENT ADVANCED RESEARCH ON SHARIA FINANCE AND ECONOMIC WORLDWIDE Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Management, Economic and Accounting (JMEA) Journal of Islamic Economics Lariba Journal of Social Commerce Amkop Management Accounting Review (AMAR) Jurnal Ilmu Alquran dan Tafsir Jurnal Riset Manajemen dan Ekonomi Jurnal Riset Ekonomi dan Akuntansi Jurnal Informatika Ekonomi Bisnis JAKBS Journal of Economics and Management Scienties Journal of Management, Economic, and Accounting Jurnal REKOMEN (Riset Ekonomi Manajemen) Maslahah: Jurnal Manajemen dan Ekonomi Syariah IIJSE Journal of Islamic Economics and Finance AB-JOIEC: Al-Bahjah Journal of Islamic Economics Anggaran: Jurnal Publikasi Ekonomi dan Akuntansi Moneter : Jurnal Ekonomi dan Keuangan Santri : Jurnal Ekonomi dan Keuangan Islam El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Economic: Journal Economic and Business An-Nisbah: Jurnal Ekonomi Syariah Journal of Ekonomics, Finance, and Management Studies Jurnal Ekonomi, Manajemen, Akuntansi
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Wadiah Savings Product Marketing Strategy to Increase Customers at Bank Syariah Indonesia KCP Batang Toru Fitri Hotdiana H.; Zul Fahmi Napitupulu; Muhammad Lathief Ilhamy Nasution
Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi Review Vol. 2 No. 1 (2022): Juni
Publisher : Penerbit ADM Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emba.v2i1.535

Abstract

In contemporary business, the problem of depositing capital in banking institutions with various systems is usually through a system of savings, current accounts, and deposits. The marketing strategy in selling the products used by the Indonesian Sharia Bank KCP Batang Toru, especially the wadiah savings product, is generally the same as the marketing strategy of other banks, except that the Sharia Bank KCP Batang Toru has its own value. The bank has an approach to customers, both religious and emotional approaches where customers see that Islamic banks are banking financial institutions whose operations and products are developed based on the Qur'an and Hadith. What is the marketing strategy for the products of Bank Syariah Indonesia KCP Batang Toru? What are the obstacles faced by Bank Syariah Indonesia KCP Batang Toru in marketing? How do customers increase their wadiah savings products at Bank Syariah Indonesia KCP Batang Toru? The aim is to find out how the marketing strategy of wadiah savings products at Bank Syariah Indonesia KCP Batang Toru. To find out what are the obstacles faced by the Indonesian Sharia Bank KCP Batang Toru in carrying out marketing strategies. To find out how to increase customers towards wadiah savings products at Bank Syariah Indonesia at KCP Batang Toru. The method used in this study is a descriptive qualitative method to describe or explain the state of the object of wadiah savings in the marketing strategy. Researchers can conclude that the sequence of strategies that have the most opportunity to get customers is to use the cross selling model, distribute brochures (manual or telemarketing) to existing and WIC customers, introduce wafiah savings products through the BSI mobile application.
Blang Sentang Village Community's Understanding of Indonesian Sharia Bank Nur Hidayah Pulungan; Elpina Yanti Hasibuan; Muhammad Lathief Ilhamy Nasution
Journal of Indonesian Management (JIM) Vol. 2 No. 1 (2022): March
Publisher : Penerbit ADM Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v2i1.438

Abstract

The main problems in this study are 1) how is the understanding of the people of Blang Sentang Village towards Islamic banks indonesia, 2) What efforts are made by Islamic banking in socializing Islamic banks to the public. The type used in this research is a qualitative research type. The results of the study indicate that the public's understanding of Islamic banks is still lacking. Thus, through the program created by the Islamic banking party, it can overcome the problems that exist in the community, namely the lack of understanding of the people of Blang Sentang Village about Islamic banks.
Analysis of Customer Satisfaction Levels with Sharia Banking Services at BSI Bener Meriah Wahyuni Wahyuni; Muhammad Doli Harahap; Muhammad Lathief Ilhamy Nasution
Journal of Indonesian Management (JIM) Vol. 2 No. 1 (2022): March
Publisher : Penerbit ADM Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/jim.v2i1.439

Abstract

This article aims to determine the level of customer satisfaction with sharia banking services at Bsi Bener Meriah. Facing an increasingly critical society like now, apart from products, the services provided also affect the sustainability of the company. maintain customer trust and satisfaction with their services. Service as the first promotion to prospective customers, if the quality of service is excellent, then the customer will continue to transact, and vice versa.
ANALISIS SHARIAH COMPLIANCE PENETAPAN HARGA LELANG BARANG JAMINAN DALAM MENGURANGI RISIKO PADA PEMBIAYAAN IB GRIYA DI BANK SUMUT SYARIAH CABANG MEDAN Winda Sari Panjaitan; Muhammad Arif; Muhammad Lathief Ilhamy
el-Amwal Vol 5, No 1 (2022): El-Amwal
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v5i1.6527

Abstract

This research was conducted to determine shariah compliance in determining the auction price of collateral for ib griya financing at Bank Sumut Syariah Medan Branch. The research method used in thisresearch is a descriptive method, in which data are collected, compiled, grouped and analyzed based on facts obtained from the field and then integrated into a clear and focused picture of the problem being studied. While the types of data needed are primary data in the form of interviews with internal bank parties and secondary data in the form of libraries, brochures, articles, and websites. From the results of this study, the authors conclude that 1) the implementation of the mechanism for pricing in the auction of collateral goods is to set a limit value based on the market value and the determination of the auction price set by the Public Appraisal Service Office (KJPP).After the stages of determining the auction price are completed, the bank will submit an auction application and other requirements to the State Property and Auction Service Office (KPKNL). 2)inthe mechanism of price fixing and auction implementation as seen from Shariah Compliance (according to Islamic Sharia) is in appropriate to sharia rules and applicable legal rules, because each step by step the pricing mechanism and auction implementation look at the base price of the auction first bysurveyingto the local market and the central market, a re-assessment carried out by experts in their respective fields, following the rules of procedure, and using the valid data so that it can be facilitated and it does not cause loss to both parties. Therefore it can be concluded that the determination of the auction price for collateral goods in Reducing Risk in Ib Griya Financing at Bank Sumut Syariah Medan Branch is in accordance with shariah compliance (sharia provisions).
Strategi Pemasaran Pembiayaan Kepemilikan Rumah Bersubsidi Masa Pandemi Covid-19 Bank Sumut Cabang Syariah Sibolga Meilyna Febri Norenza; Tri Inda Fadhila Rahma; Muhammad Lathief Ilhamy Nasution
el-Amwal Vol 4, No 2 (2021): Volume 4 Nomor 2, September 2021
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v4i2.5324

Abstract

Penelitian ini bertujuan untuk mengetahui bagaimana Analisis Strategi Pemasaran Pembiayaan Kepemilikan Rumah Bersubsidi Pada Masa Pandemi  Covid-19 di Bank Sumut Cabang Syariah Sibolga. Latar belakang permasalahan adalah jumlah nasabah pembiayaan kepemilikan rumah bersubsidi mengalami perkembangan fluktuatif, dan selama masa pandemi Covid-19 bank melakukan pembatasan target pasar, dengan melakukan pemasaran kepada nasabah dengan pendapatan tetap (fixed income) untuk menghindari peningkatan pembiayaan bermasalah. Sedangkan permintaan masyarakat berpenghasilan rendah (MBR) terhadap pembiayaan kepemilikan rumah bersubsidi relatif tinggi karena masih banyaknya masyarakat yang belum memiliki rumah sendiri. Penelitian ini menggunakan analisis SWOT dengan penelitian kualitatif deskriptif. Sebelumnya, peneliti harus mengetahui bagaimana kondisi perusahaan, baik faktor internal maupun eksternal yang dilakukan perusahaan dalam melakukan pemasaran produk. Peneliti menggunakan teknik pengumpulan data berupa wawancara, observasi dan dokumentasi. Hasil informasi yang diperoleh selanjutnya dianalisis dengan menggunakan analisis SWOT untuk mengetahui kekuatan, kelemahan, peluang dan ancaman dari strategi pemasaran yang dilakukan perusahaan. Kemudian hasil dari penelitian menunjukkan bahwa Bank Sumut Cabang Syariah Sibolga berada pada kuadran I (growth) yang ditunjukkan pada Diagram Cartesius dengan penerapan strategi Growth Oriented Strategy. Hal ini merupakan situasi yang sangat menguntungkan bagi perusahaan, perusahaan memiliki kekuatan sehingga dapat memanfaatkan peluang dan meminimalkan kelemahan untuk menghadapi tantangan.Kata Kunci : Strategi Pemasaran dan Analisis SWOT
Analysis of the Competitive Level Between Wadiah Yad Dhamanah Savings Products and Mudharabah Mutlaqah At PT. Bank Syariah Indonesia KCP Singkil Iskandar Muda Dian Fajar Suryani; Muhammad Lathief Ilhamy Nasution
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.472

Abstract

Bank Syariah Indonesia kcp Singkil Iskandar Muda has a savings product using a contract between Wadiah Yad Dhamanah and Mudharabah Mutlaqah. Of course, both of these savings products have their advantages and disadvantages. As a result, indicators that affect the environment that are attracted to a competitive contract can be determined by various aspects, including aspects of return, aspects of costs, aspects of growth, social aspects, risk aspects, and promotion aspects. Therefore, the purpose of this study is to identify strengths and weaknesses, as well as indicators that affect savings products. This type of research is a qualitative research using analytical descriptive technique. Data collection was done by interview method. The subject of this research is leadership at PT. Bank Syariah Indonesia kcp Singkil Iskandar Muda. The results show that the Mudharabah mutlaqah savings product is more desirable than the wadiah yad dhamanah savings product because the indicator is substantially more profitable for customers.
Risk Management of Zakat Management at BAZNAS Asahan Zuhra Nahda; Ahmad Alfarezi; Muhammad Lathief Ilhamy Nasution
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.487

Abstract

Risk occurs in every organization or business activity. This also does not rule out the possibility of risk in the amil forum. The types of risks that may often occur in amil institutions are the risk of collecting zakat funds, the risk of managing zakat funds, and the risk of distributing zakat funds. The problem in this study is in the context of zakat management, where one thing that needs to be maintained is the credibility and accountability of zakat management institutions. Do not let people's distrust arise due to mistakes and violations in the management of zakat. Mistakes and violations in the management of zakat will have the potential to create a bad reputation for zakat institutions which will also cause fatal risks. there are risks that are directly related to using the performance of zakat institutions, for example errors in zakat distribution. There are risks that are indirectly related to the performance of zakat institutions but can have a quick impact, for example losing a professional amil.
Records Management Procedures at PT. Bank Sumut Syariah Medan Branch Office Meliyani Meliyani; Muhammad Lathief Ilhamy Nasution
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.490

Abstract

This study describes the file management procedures at PT. Bank Sumut Syariah Medan Branch. The purpose of this study is (1) to describe how the records management system at PT. Bank Sumut Syariah Medan Branch; (2) describe some of the obstacles faced by PT. Bank Sumut Syariah Medan Branch in archive management; (3) describe the steps taken to prevent problems in the archive management process at PT. Bank Sumut Syariah Medan Branch. Data was collected through observation and interviews. Based on the results of the study, it can be concluded: First, archive management is still not done well, in terms of inefficient storage processes. Second, the limitations encountered in records management procedures, namely: (1) inappropriate storage procedures; (2) archive storage and maintenance infrastructure is not optimal; (3) the absence of professional archivists. Third, efforts are being made to prevent records management problems, namely: (1) improving the storage procedures used; (2) optimization of storage space infrastructure and archive maintenance; (3) provide professional archiving staff.
Promotion Strategy for Mudharabah Marhamah Savings Products at Bank of North Sumatra Syariah Sri Riska Ananda Lubis; Nurainun Putri; Muhammad Lathief Ilhamy Nasution
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 3 No. 2 (2022): April
Publisher : Penerbit ADM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v3i2.498

Abstract

Islamic banks and conventional banks have different offering strategies. Islamic banks will provide offers while still applying the sharia principles of Mudharabah Marhamah Savings. There is one bank in North Sumatra that uses a mudharabah contract, namely Tabungan Marhamah. Therefore, it is important for customers to understand the use of the Mudharabah Marhamah Savings product facility at Bank Sumatra Utara so that it will have an impact on increasing the smoothness of transactions. The method used in this journal uses a descriptive method where data will be collected, compiled, grouped, analyzed and then applied so that it will become a clear and directed picture. The result of the research is that the offering strategy carried out by Bank Sumut Syariah Syariah Cabang Pembantu Lubuk Pakam can increase public interest in the Marhamah Mudharabah savings product.
Pengaruh E-Money Dan Kontrol Diri Terhadap Perilaku Konsumtif Mahasiswa Perbankan Syariah Angkatan 2017 Universitas Islam Negeri Sumatera Utara Taufiqur Ramadhana; Muhammad Lathief Ilhamy; Tri Inda Fadhila Rahma
Islamic Education Journal Volume 1 Issue 1 August 2022
Publisher : CV. Pusdikra Mitra Jaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (424.397 KB)

Abstract

Penelitian ini bertujuan untuk mengetahui e-money dan kontrol diri berpengaruh terhadap perilaku konsumtif pada mahasiswa Perbankan Syariah Angkatan 2017 Universitas Islam Negeri Sumatera Utara. Jenis penelitian ini adalah Penelitian Kualitatif dengan pendekatan asosiatif kausal. Penelitian yang diteliti dalah E-Money, Kontrol diri dan Perilaku Konsumtif. Perilaku konsumtif adalah sebagai social ekonomi perkembangannya dipengaruhi oleh faktor kultural, pentingnya peran mode yang mudah menular atau menyebabkan produk-produk tertentu, E-money pada hakikatnya merupakan uang tunai yang dikonversi kedalam data elektronik yang disimpan pada kartu penyimpanan berupachip atau server dan kontroldiri adalah kemampuan untuk membimbing tingkah lakunya sendiri; kemampuan untuk menekan atau merintangi impuls-implus atau tingkah laku yang impulsive. Jenis pengumpulan sampling menggunakannon probability sampling. Hasil Penelitian ini Hasil pengujian variabel E-money (X1) terhadap Perilaku Konsumtif (Y) diperoleh nilai t hitung (6,538) > t tabe (1,988) dan nilai signifikansi sebesar 0,000 < 0,05. Sehingga dapat disimpulkan bahwa variabel E-money secara parsial berpengaruh signifikan terhadap Perilaku Konsumtif, Kontrol Diri (X2) terhadap Perilaku Konsumtif (Y) diperoleh nilai t hitung (4,269) > t tabel (1,988) dan nilai signifikansi sebesar 0,000 < 0,05. Sehingga dapat disimpulkan bahwa variabel Kontrol Diri secara parsial berpengaruh signifikan terhadap Perilaku Konsumtif, E-money dan Kontrol Diri secara simultan (bersama-sama) berpengaruh signifikan terhadap Perilaku Konsumtif dan nilai koefisien determinasi pada kolom R Square sebesar 0,667 artinya variabel kontrol diri dan perilaku komsumtif memiliki pengaruh sebesar 66,7% terhadap variabel E-Money, sedangkan 33,3% dipengaruhi oleh variabel lain yang tidak dijelaskan.
Co-Authors Ade Rizki Meilani Adelia Fitra Gustari Ahmad Alfarezi Ahmad Fadelsyah Ahmad Perdana Indra Ananda, Muhammad Risqi Anisah Nasution Aprilliyansyah, Ary Bagas Aqwa Naser Daulay Ardhya Redina Ardiani, Kiki Arifin Fauzi Lubis Arnita Septiani Panjaitan Ary Bagas Aprilliyansyah Aryabimo Reksapramudya Asra, M Rifki Asy’ary, Muhammad Hasan Atha, Muhammad Alwan Atika Atika Ayuni Syafitri Barus, Muhammad Arif Batubara, Maryam Cahaya, Nilam Chairunnisa Dian Puspa Chilvia Azhari Cindy Triningsih Dalimunthe, Fitriyani Dela Prianti Devi Damayanti Dharma, Budi Dian Fajar Suryani Dui April Yani Simangunsong Elpina Yanti Hasibuan Endah Hardiati Enjeli, Enjeli Fachry Abda El Rahman Fadillatunnisa, Fadillatunnisa Faradilla Arafah Fatma Devi Dayanti Siagian Fauzan, M. Fauzi Irsyad Fauziah Amarani Fira Annisa Fitri Hotdiana H. Grace Amalia Tondang Haddad Aidil Nafis Hannum Harahap, Novita Harahap, Muhammad Doli Harahap, Muhammad Ikhsan Harahap, Rahmat Daim Hasibuan, Ahmad Muniruddin Hasibuan, Elpina Yanti Hasmidar Pohan Haviz, Luthfi Hendra Harmain Hendra Harmain Heri Kurniawan, Heri Ilhamuddin Nasution Imsar indah wahyuni Indah Wahyuni Indradewa, Rhian Isma Padillah Isna Khairani Isnaini Harahap Jannah, Nurul Juli Syahputri K, Kamilah Kamila, Kamila Kamilah Kamilah Kamilah, K Kamilah, K Khairul Rahman Kusmilawaty Lely Mawaddah Lilia Afriani Lindung Pratama Lubis, Muhammad Alpansyah Maidalena Maidalena Maidalena, Maidalena Manurung, Ibnu Syawali Marliyah Matondang, Sabrina Natasya Maulana Abdul Malik Tambunan Maulida, Syakya Mayasari Lubis Mayori, Elsa Meilyna Febri Norenza Meliyani Meliyani Miftha Maulida Anggi Natama Miranty, Fadilla Muhamad Ikhsan Harahap Muhammad Arif Muhammad Arif Muhammad Doli Harahap muhammad Syahbudi, muhammad Muhammad Yafiz Muliani, Siska Mustapa  Khamal  Rokan Mutiara Yolanda Nadila Irdayanti Nadila, Riska Nadya Ervina Naser Daulay, Aqwa Nasution, Annio Indah Lestari Nasution, Annio Indah Lestari Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Rahmad Mulia Tama Nasution, Yenni Samri Julianti Noprillia Ramadhani Saragih Novariany Ka’u Nur Ahmadi Bi Rahmani Nur Hidayah Pulungan Nur Mija Hasibuan Nurainun Putri Nurainun Putri Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurhayati Nurlaila Nurlaila Nurlaila Nurlaila Nurmala Kumasari Pasaribu Nursantri Yanti Nurul Jannah Nurul Pratiwi Nurul Tri Amanda Okta Distira, Muhammad Feri Oktadistira, Muhammad Feri Padila Putri Pane, Muhammad Rivaldi Parinduri, Islah Rizky Pratama, Lindung Pulungan, Nur Hidayah Putri, Rafika Ananda Qarni, Waizul Rahmadhani, Anisa Rahman Siddik Siregar Rahman, Alif Zuan Rahmani, Nur Ahmadi Bi Rahmat Daim Harahap Rahmat Daim Harahap Raihan, Muhammad Rambe, Rizki Suhanry Ramdanil Fajar Ramil Abbasov Raudah Azzahra Manurung Rica Rahim Lubis Ridho Pratama Rifa'i, Alwi Rio Ari Angga Ritonga, Rizka Sabila Rizka Nasution Rohaya, Rohaya Salwa, Faridah Santry Fadhilah Harahap Saparuddin Siregar Saragih, Siti Ramadhani Sardini, Syafira Sari, Della Puspita Silalahi, Purnama Ramadani Sinaga, Muhammad Syahputra Siregar, Muhammad Maulana Siregar, Rahman Siddik Siregar, Zaini Abdillah Siti Aisyah Siti Aisyah Siti Aminah Nasution Sitompul, Humaidi Sitorus, Seftia Rendiani Sri Rahmadani Sri Ramadhani Sri Ramadhani Sri Riska Ananda Lubis sri sudiarti sriwahyuni Sriwahyuni Sugianto Sugianto Sugianto Supardi Supardi Syafira Sardini Syahputri, Diana Syahvitri, Ayu Syari Nurhayani Tambunan, Khairina Tanjung, Dava Maulana Tarigan, Nia Safitri Br Taufiqur Ramadhana Teti Tri Astuti Jusasni Tri Inda Fadhila Rahma Tuti Anggraini Tuti Anggraini Ulfah Winda Ummu Khoirotun Nisfah Vina Rahmanda Wahyu Syarvina wahyuni wahyuni Wahyuni Wahyuni Winda Sari Panjaitan Winda, Ulfah Wiwin Khairany Simanjuntak Yenni Samri Juliati Nasution YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yulita Astri Yusrizal Yusrizal Yusrizal Zaini Abdillah Siregar Zalika Fauja Zuhra Nahda Zul Fahmi Napitupulu ‘Izzi, Amalul