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FALAH AS THE ULTIMATE GOAL IN SHARIA BANKING PERFORMANCE: BASED TO ISLAMIC ECONOMIC AXIOLOGY Iqlima Azhar; Muhammad Salman; Nasrul Kahfi Lubis; Saparuddin; Yenni Samri Juliati Nasution
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 5 No. 1 (2025)
Publisher : CV. RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v5i1.2360

Abstract

To achieve holistic prosperity (Falah), economics can be used to examine human behavior when faced with a dilemma. The Islamic economic system is founded on notions from the Qur'an and hadith, which give an economic order for achieving overall prosperity. To achieve this prosperity, Islamic commercial banks must be able to generate shareholder faith in the funds in which they invest; thus, it is vital to compare Sharia Banks' performance to their financial reports, which are based on Islamic values. This study examined the impact of BOPO (Operating Expenses and Operating Income) on Sharia Banking Performance, as measured by the Return On Assets (ROA) ratio, with FDR (Financing to Deposit Ratio) acting as a moderating variable. The research object is Bank Aceh Syariah using data analysis techniques used are financial reports published on the Bank Aceh Syariah website from 2016 to 2022. The test tool uses multiple linear regression tests and Moderate Regression Analysis (MRA) with SPSS. The research results show that BOPO has a significant effect on Sharia Banking Performance (ROA), but the FDR variable has not been able to moderate the relationship between BOPO and ROA.
Analisis Efektivitas Penyaluran Dana Zakat Infak Shadaqah dan Implementasi Good Corporate Governance pada Lembaga Amil Zakat Dompet Dhuafa Waspada Medan Annisa Zahara; Rahmi Syahriza; Yenni Samri Juliati Nasution
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 6 No. 1 (2025): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v6i1.6731

Abstract

This study focuses on the effectiveness and capacity of Zakat, Infak, and Shadaqah (ZIS) fund distribution by Dompet Dhuafa Waspada and the implementation of Good Corporate Governance (GCG) principles. The researcher used a qualitative descriptive method. The data sources for this study were primary and secondary data, as well as literature studies. Data were collected through interviews, observations, and documentation. The analysis technique used data reduction, data display, and conclusion drawing methods. The effectiveness of ZIS fund distribution was measured using the Allocation to Collection Ratio (ACR) ratio based on the Zakat Core Principle (ZCP). The results show that Dompet Dhuafa Waspada has a very effective performance, with an average ACR reaching 90% in the last five years. In 2019, the ACR value was recorded at 87% in the effective category, in 2020, the ACR dropped to 71% in the effective category, then the ACR recovered to 74% in the effective category in 2021. At its peak, in 2022 and 2023, the ACR jumped to 106%. This shows a very good capacity in the management and distribution of ZIS funds that are right on target. The implementation of Good Corporate Governance is carried out through the principles of accountability, transparency, responsibility, independence, and equality, all of which increase public trust and the credibility of the institution. This study is expected to encourage more people to channel social funds through Dompet Dhuafa Waspada.
Implementation of Environmental Accounting in a Halal Manufacturing Company: Implementasi Akuntansi Lingkungan di Perusahaan Manufaktur Halal Sunni Syahputra; Yenni Samri Juliati Nasution; Hendra Harmain
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11572

Abstract

General Background: The halal industry is expanding globally, driven by increasing awareness of ethical, hygienic, and spiritually aligned production standards. Specific Background: In Indonesia, as a key player in the halal economy, the integration of Islamic values into business practices is emphasized, including environmental accountability. Knowledge Gap: However, practical implementation of sharia-based environmental accounting remains limited, especially in halal manufacturing sectors. Aims: This study investigates the application of environmental accounting at PT Kimia Farma in the Medan Industrial Area, focusing on the integration of maqashid sharia principles. Results: Findings show that while the company implements environmental initiatives—such as waste treatment, energy efficiency, and CSR—it lacks a formal environmental accounting framework grounded in Islamic accountability. Novelty: Using stakeholder theory and Islamic accountability theory, the research presents empirical insights into the gap between normative values and structured sharia reporting, highlighting both institutional strengths (halal certification, managerial commitment) and constraints (lack of technical guidance, limited human resource capacity). Implications: The study underscores the urgency of developing sharia-compliant environmental reporting models to strengthen ethical governance in halal industries, offering strategic insights for policymakers, regulators, and halal enterprises seeking sustainability through faith-based accountability.Highlight : The study explores environmental accounting implementation in the halal industry using a case study of PT Kimia Farma. Findings show the absence of a structured sharia-based reporting system despite internal Islamic values. Key barriers include lack of technical guidelines and limited literacy in maqashid shariah among staff. Keywords : Environmental Accounting, Halal Industry, Maqashid Shariah, Islamic Accountability, PT Kimia Farma
Implementation of PSAK 112 Improves Productive Waqf Management: Penerapan PSAK 112 Meningkatkan Pengelolaan Wakaf Produktif Mhd. Farhan Mukti; Yenni Samri Juliati Nasution; Tuti Anggraini
Academia Open Vol. 10 No. 2 (2025): December
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/acopen.10.2025.11601

Abstract

General Background: Waqf, a cornerstone of Islamic social finance, holds immense economic potential yet remains underutilized in many urban settings. Specific Background: In Medan City, the low realization of waqf collection and asset utilization highlights a lack of transparency and accountability in waqf management. Knowledge Gap: While PSAK 112 was introduced to improve waqf financial reporting, few quantitative studies have examined its practical impact, particularly in large metropolitan areas. Aim: This study investigates the effect of PSAK 112 implementation on the development of productive waqf in Medan. Results: Using a quantitative approach and linear regression on data from 30 nazhir institutions, the results show a significant positive relationship (t = 9.792, p < 0.000; R² = 0.904) between PSAK 112 implementation and productive waqf growth. Novelty: Unlike previous research focused on theoretical frameworks or regional case studies, this study provides empirical evidence from a major city with complex waqf dynamics. Implications: These findings underscore the critical role of standardized financial reporting in enhancing nazhir accountability, increasing public trust, and optimizing waqf assets. The study offers strategic recommendations for regulators and waqf authorities to support broader adoption of PSAK 112 for national waqf development.Highlight : PSAK 112 significantly boosts the development of productive waqf in Medan, explaining 90.4% of its growth variation. Transparent financial reporting enhances stakeholder trust and strengthens nazhir accountability. Implementation of PSAK 112 supports Islamic accounting theory and improves waqf governance effectiveness. Keywords : PSAK 112, Productive Waqf, Waqf Accounting, Nazir Accountability, Financial Transparency
The Effect of Selebgram Endorsement, Online Marketing, and Online Ojek Existence on Muslim Micro, Small and Medium Enterprises (MSMEs) Income in Panyabungan, Mandailing Natal Regency Rizka Nasution; Yenni Samri Juliati Nasution; Muhammad Lathief Ilhamy Nasution
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 4 No. 1 (2023): Januari
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v4i1.1135

Abstract

The aspects of the problem studied by the author are regarding the influence of celebrity endorsements, online marketing, and the existence of online motorcycle taxis on the income of Micro, Small and Medium Enterprises (MSMEs) in Panyabungan, Mandailing Natal Regency. The purpose of this study was conducted to determine the effect of celebrity endorsements, online marketing, and the existence of online motorcycle taxis on the income of Micro, Small and Medium Enterprises (MSMEs) in Panyabungan, Mandailing Natal Regency. The data analysis technique used is the quantitative method. Data collection was carried out by distributing questionnaires and the results of the questionnaires were received back for processing. Data were analyzed using SPSS 20. The results of the study based on the t test showed that celebrity endorsements had no significant effect on Micro, Small and Medium Enterprises (MSMEs) income, online marketing had a significant effect on Micro, Small and Medium Enterprises (MSMEs) income, and the presence of online motorcycle taxis had no effect. significantly to the income of Muslim Micro, Small and Medium Enterprises (MSMEs), and the results of research based on the F test show that celebrity endorsements, online marketing, and the existence of online motorcycle taxis simultaneously have a significant effect on the income of Muslim Micro, Small and Medium Enterprises (MSMEs) with a coefficient of determination of 61, 2%. The results of statistical tests show that there is an influence of celebrity endorsements, online marketing, and the existence of online motorcycle taxis on the income of Muslim Micro, Small and Medium Enterprises (MSMEs) in Panyabungan, Mandailing Natal Regency.
PENGARUH GAYA HIDUP TERHADAP POLA KONSUMSI DAN KEBIASAAN MENABUNG MAHASISWA GENERASI Z DI UNIVERSITAS ISLAM NEGERI SUMATERA UTARA Alya Aurelia; Anggi Alia Ashari Hsb; M Nabil Putra Hendratmo; Yenni Samri Juliati Nasution
JEBIMAN : Jurnal Ekonomi, Bisnis, Managemen dan Akuntansi Vol. 3 No. 4 (2025): JULI
Publisher : CV. ADIBA AISHA AMIRA

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

Abstract

This study is based on lifestyle changes made by Gen Z students, who spend more and save less. Lifestyle influenced by trends and the desire to appear on social media are the main factors that influence shopping and financial behavior, including saving. The purpose of this study was to assess the effect of lifestyle on shopping patterns and saving habits of Gen Z students at the State Islamic University of North Sumatra. This study uses a quantitative method using a survey method. Data analysis was carried out using multiple linear regression using SPSS version 30; a purposive sample consisting of 100 Generation Z students. This study found that lifestyle has a significant and positive effect on shopping patterns, but also has a negative effect on saving habits. In other words, the more students' lifestyles, the more likely they are not to save. This finding is important as a basis for teaching students about financial literacy from an early age, so that they can manage their lifestyles in a more balanced way and develop better financial habits.
ANALISIS PERAN ZAKAT DALAM MENINGKATKAN KESEJAHTERAAN USAHA KECIL DAN MENENGAH DI KOMUNITAS MUSLIM DI KOTA MEDAN Nanda Kurniawan Lubis; Yenni Samri Juliati Nasution
BORJUIS: JURNAL OF ECONOMY Vol. 2 No. 3 (2025): BORJUIS: JOURNAL OF ECONOMY
Publisher : Adisam Publisher

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

Abstract

This research aims to analyze the role of zakat in improving the welfare of Small and Medium Enterprises (UKM) in the Muslim community in Medan City. Zakat, as a financial instrument in Islam, not only functions as a religious obligation but also has great potential in reducing poverty and social injustice. SMEs in Medan City, which are an important pillar in the local economy, often face challenges such as limited capital, limited market access, and low managerial skills. This research uses a qualitative approach with a case study method to explore how zakat can be optimized to provide a positive impact on the development of SMEs. Data was collected through in-depth interviews with zakat managers, zakat-receiving SMEs, and Islamic economic experts, as well as through analysis of related documents. The research results show that zakat plays a significant role in supporting SMEs by providing the necessary capital assistance, training and mentoring. Appropriate and effective distribution of zakat can increase the capacity of SMEs, expand market access, and improve the managerial skills of business actors. Factors that influence the effectiveness of zakat distribution include transparency and accountability of zakat management institutions, active participation from the community, and support from government policies.
Islamic Philanthropy and SDGs: Evidence from Zakat Institutions in North Sumatra, Indonesia Indra Prawira; Andri Soemitra; Yenni Samri Juliati Nasution
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 15 No. 1 (2026): IN PROGRESS
Publisher : Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.0046

Abstract

Islamic philanthropy has increasingly been recognized as a strategic instrument for advancing inclusive and sustainable development, particularly through zakat management aligned with the Sustainable Development Goals (SDGs). This study examines the integration of zakat institutions with SDG implementation in North Sumatra, Indonesia, with a focus on SDG 1 (No Poverty), SDG 2 (Zero Hunger), and SDG 3 (Good Health and Well-being). The research aims to formulate a strategic model of Islamic philanthropy that strengthens the contribution of zakat institutions to sustainable development. A qualitative research design was employed using the Analytic Network Process (ANP) to identify and prioritize strategic elements within zakat governance and implementation. Data were collected through in-depth interviews, observations, documentation, and ANP-based pairwise comparisons involving regulators, practitioners, and academics. The findings indicate that zakat possesses significant potential to support sustainable development; however, its effectiveness remains constrained by weak institutional governance, limited human resource capacity, inadequate digital infrastructure, fragmented coordination, and low public trust in formal zakat institutions. The study identifies five strategic domains requiring improvement: governance, program relevance, inter-institutional coordination, economic sustainability, and public awareness. The ANP results further reveal three major priorities for institutional strengthening, namely enhancing supervisory functions, expanding public education regarding institutional zakat, and empowering mustahik through vocational and spiritual development programs. These findings highlight the importance of institutional reform, digital transformation, and empowerment-oriented zakat management in positioning Islamic philanthropy as a sustainable socio-economic development mechanism. ABSTRAK - Filantropi Islam dan SDGs: Bukti dari Lembaga Zakat di Sumatera Utara, Indonesia. Filantropi Islam semakin diakui sebagai instrumen strategis dalam mendorong pembangunan yang inklusif dan berkelanjutan, khususnya melalui pengelolaan zakat yang terintegrasi dengan Tujuan Pembangunan Berkelanjutan (Sustainable Development Goals/SDGs). Penelitian ini menganalisis integrasi lembaga zakat dengan implementasi SDGs di Sumatera Utara, Indonesia, dengan fokus pada SDG 1 (Tanpa Kemiskinan), SDG 2 (Tanpa Kelaparan), dan SDG 3 (Kehidupan Sehat dan Sejahtera). Tujuan utamanya adalah merumuskan model strategis filantropi Islam yang mampu memperkuat kontribusi lembaga zakat terhadap pencapaian pembangunan berkelanjutan. Penelitian ini menggunakan pendekatan kualitatif dengan metode Analytic Network Process (ANP) untuk mengidentifikasi serta memprioritaskan elemen-elemen strategis dalam tata kelola dan implementasi zakat. Data dikumpulkan melalui wawancara mendalam, observasi, dokumentasi, serta perbandingan berpasangan berbasis ANP yang melibatkan regulator, praktisi, dan akademisi. Hasil penelitian menunjukkan bahwa zakat memiliki potensi signifikan dalam mendukung pembangunan berkelanjutan, namun efektivitasnya masih dihadapkan pada sejumlah tantangan, antara lain lemahnya tata kelola kelembagaan, keterbatasan kapasitas sumber daya manusia, infrastruktur digital yang belum optimal, kurangnya koordinasi antarlembaga, serta rendahnya tingkat kepercayaan publik terhadap lembaga zakat formal. Penelitian ini mengidentifikasi lima area strategis yang perlu diperkuat, yaitu tata kelola, relevansi program, koordinasi kelembagaan, keberlanjutan ekonomi, dan peningkatan kesadaran publik. Temuan ANP juga menegaskan tiga prioritas utama dalam penguatan kelembagaan, yakni peningkatan fungsi pengawasan, perluasan edukasi publik terkait zakat kelembagaan, serta pemberdayaan mustahik melalui pengembangan keterampilan dan pembinaan spiritual. Secara keseluruhan, temuan ini menegaskan pentingnya reformasi kelembagaan, transformasi digital, dan penguatan pendekatan pemberdayaan agar filantropi Islam dapat berperan optimal sebagai instrumen pembangunan sosial-ekonomi yang berkelanjutan.
ANALYSIS OF THE EFFECT OF RISK AWARENESS AND FINANCIAL LITERACY ON FIRE INSURANCE OF MSME OWNERS IN KUALUH LEIDONG DISTRICT, LABURA REGENCY Putri Wulandini Sagala; Yenni Samri Juliati Nasution; Andri Soemitra
Jurnal Apresiasi Ekonomi Vol 13, No 3 (2025)
Publisher : Institut Teknologi dan Ilmu Sosial Khatulistiwa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31846/jae.v13i3.996

Abstract

Based on the results of the study on the influence of Risk Awareness and Financial Literacy on the decision to take fire insurance on MSME owners in Kualuh Leidong District, it can be concluded that both independent variables have a significant effect on the dependent variable. The Risk Awareness variable (X₁) shows a positive and significant effect on the decision to take fire insurance, with a t-value of 9.121 and a significance of 0.000
ANALISIS PENERAPAN PSAK 409 TENTANG AKUNTANSI ZAKAT, INFAK, DAN SEDEKAH DALAM MENINGKATKAN TRANSPARANSI DAN AKUNTABILITAS LAPORAN KEUANGAN PADA BAZNAS SUMATERA UTARA Zahra Amalia Khairani; Yenni Samri Juliati Nasution; Wahyu Syarvina
Jesya Vol 9 No 2 (2026): FORTHCOMING ARTICLES : JUNI 2026
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v9i2.2633

Abstract

This study aims to analyze the implementation of PSAK 409 concerning Accounting for Zakat, Infaq, and Alms in enhancing the transparency and accountability of financial statements at BAZNAS North Sumatra Province. The research method employed is descriptive qualitative, with data collection conducted through in-depth interviews and documentation studies. The results indicate that BAZNAS North Sumatra has met the elements of technical accountability through cash-based fund recognition, strict fund separation, and the use of the SIMBA application for integrated reporting. Transparency is realized through the open publication of audited financial statements on the institution's official website to build public trust. However, such accountability and transparency are still hindered by dependence on the centralized system, limited human resource competence regarding the latest standards, and information asymmetry on the mustahik side concerning aid details. This study suggests increasing human resource capacity and optimizing public communication so that accountability is not merely an audit formality but becomes an inclusive organizational culture for all stakeholders
Co-Authors Ade Khadijatul Z. Hrp Adelia Marhamah Adinda Natasya Afifah Lania Sihotang agusani, widya Agustina Nurul Fajriah Ahkamil Hakim Ahmad Fuadi Tanjung Ahmad Husein Ahmad Suwandi Ahmad Syakir Ahmed, Zakaria Aida Malan Sari Alfadri, Ferri Alfina Rahma Wani Ali Amzah Alya Aurelia Alya Sahbrina Amani Raudathul Jannah Aminah Harahap Andri Soemitra Andriana Alnazhira Chandra Anggi Alia Ashari Hsb Anggi Mayasari Lubis Anisa Dwi Kiswati Annio Indah Lestari Annisa Zahara Ardiansyah Ardiansyah Arnida Wahyuni Lubis Arnida Wahyuni Lubis Arnida Wahyuni Lubis Arpidah Ayu Syafitri Asmuni Asmuni Ayu Annisa Fikra Ayu Wulandari S. Tanjung Azhar, Iqlima Azhari Akmal Tarigan Azka Rayyani Azlina Azmi Siahaan Bagas Aulia Bambang Sugiharto Bunga Dwi Fani Ritonga Chairina Chairina Cindy Purnama Asry Nasution Cita Suci Pratiwi Sinaga Cita Suci Pratiwi Sinaga Cyntia Amelia Siregar Dea Frinal Saputri Debana Maharani, Anggun Delyana Devi Natalia Dewi Sundari Dharma, Budi Dhea Amelia Dhea Nita Syafina Rambe Dinda Adelia Dini Ariani Dini Yunila Tanjung Edi Faisal Harahap Edji, Syahdani Nazwa Elvira Yanti Ahmad Ersa Trinanda Fadhil Muhammad Fadhillah Insani Fahri Fahrozi Fairuz Azzahra Irsyad Fatimah Zahara Febi Alicia Februari, Budi Ferry Dermawan Fina Mulyana Fitri Rorizki Fitri Windari Gilang Alif Muhammad Halimatussakdiyah Halimatussakdiyah Hanifah Restu Putri Harahap, Darwis Harahap, Nurmala Sari Hendra Harmain Hendra Harmain Hendra Hermain Heri Firmansyah Heriyati Chrisna Hidayah Nabila Asnur Inayatul Widad Nasution1 Indah Mayang Sari Indah Wahyuni Indah Wahyuni Indra Prawira Indra Sari Indri Apriani Isna Wulandari Sembiring Isnaini Harahap Isrul Saleh Siregar Jannah, Nurul Juliana Nasution Kamilah, K. Khairul Faiz Batubara Khairul Faiz Batubara Khairunisa Hanum Khoirun Fadilah Lubis Khoirun Fadilah Lubis Kusmilawaty Kusmilawaty Lailan Syafina Laylan Syafina Lidya Lidya Lubis, Nasrul Kahfi Lukman Hakim Siregar Luthfiah Al Asbin Ulyani M Nabil Putra Hendratmo Maharani Zaida Malahayati Malahayati Marliyah Marliyah Maryam Batubara Masridha Masridha Mawaddah Irham Mhd Faisal Anwar Afandi Rambe Mhd. Farhan Mukti Muhammad Adriansyah Muhammad Alvin Yuzakhri Muhammad Andi Prayogi Muhammad Danil Aritonga Muhammad Dzaki Abdillah Muhammad Fikri Almajid Munthe Muhammad Hafiz Muhammad Ja'far Muhammad Kholid Adfi Muhammad Lathief Ilhamy Nasution Muhammad Mukrom Tanjung Muhammad Salman Muhammad Syahbudi Muhammad Wildan Firdaus Mutiara Octavia Nabila Aulia Putri Hrp Nadya Ervina Naila Aulia Putri Nanda Kurniawan Lubis Nanda Kurniawan Lubis Nasir Ahmad Khan Saragih Nasrul Kahfi Lubis Nasution, Annio Indah Lestari Nida Nurhayani Pohan Nur Adilla NUR AHMADI BI RAHMANI Nur Amalia Nur Hayati Lubis Nur Rahmi Zuhra Nurainun Putri Nurfuadi, Wika Nurhayati Nurhayati Nurhayati Nurjannah Harum Wibowo Nurlaila Nursantri Yanti Nurul Aulia Dewi Nurul Inayah Nurul Isnaini Putri Nurwani Nurwani Nurwani Nurwani Nurwani Nurwani Nurwani Nurwani Perjuangan Siregar Popi Adiyes Putra Putri Ardyanti, Cici Putri Faradilla Putri Nazli Putri Wulandini Sagala Rahmah, Nuzulliah Rahman Asro Bil’ibad Rahmat Daim Harahap Rahmi Syahriza Rahmi Syahriza Reza Febrian Rifqiyati Putri Rina Halizah Nasution Rina Halizah Nasution Rispan Rispan Riza Rasyid Al-Aufa Siagian Rizka Nasution Rizka Nasution Rizki, Rizki Yuliana Sabilla Cahya Kinanti Sabrina Sarda Nasution Sakina, Shania Saparuddin Saparuddin Saparuddin Siregar Sarah Fitria Harahap Siagian, Salsabilla Silmi Mursidah Siti Nurojiyah Sitia Hotmin Harahap Sony Rauda Sri Rahayu SRI RAHAYU Sri Sudiarti Sudirman Suparmin Sugianto Sugianto Sunni Syahputra Susi Kinanti Syafrizal, Rodi Syifa Alhusna Tambunan, Khairina Tetty Handayani Siregar Tia Aulia Lubis Tia Yosiska Tiwi Bastari Batubara Tuti Anggraini Venny Fraya Hartin Nst Wahyu Syarvina Wasih Latuh Rahmi Widya Dwi Syahprya Wildah Khoiriah Siregar Wirawan, Arya Wisnu Hadi Yana Suhaina Yenni Samri Juliati Nasution Yolanda Sambas Yusrizal Yusrizal Zahida Naila Zahra Amalia Khairani Zainul Fuad Zen, M. Afif Shahputra