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dan Hukum The International Journal of Business Review (The Jobs Review) Jurnal Riset Akuntansi Aksioma Jurnal Onoma: Pendidikan, Bahasa, dan Sastra Komunikologi: Jurnal Pengembangan Ilmu Komunikasi dan Sosial JURNAL MUTIARA AKUNTANSI Jurnal Ekonomi Manajemen JURNAL AKUNTANSI Valid Jurnal Ilmiah International Journal of Economics, Business and Accounting Research (IJEBAR) Sainstek : Jurnal Sains dan Teknologi PREPOTIF : Jurnal Kesehatan Masyarakat Journal of Telenursing (JOTING) Jurnal Penelitian Ekonomi Akuntansi (JENSI) Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Darma Agung Jurnal Bumigora Information Technology (BITe) Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences Jurnal Filsafat Indonesia Journal of Sustainable Tourism and Entrepreneurship Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) REKA ELKOMIKA: Jurnal Pengabdian kepada Masyarakat Jurnal Kebidanan Khatulistiwa MURHUM : JURNAL PENDIDIKAN ANAK USIA DINI Jurnal Promotif Preventif Jurnal Cahaya Mandalika Jurnal FASILKOM (teknologi inFormASi dan ILmu KOMputer) Warta Pengabdian Andalas: Jurnal Ilmiah Pengembangan Dan Penerapan Ipteks Jurnal Kesehatan Tambusai Jurnal Edukes: Jurnal Penelitian Edukasi Kesehatan Bisnis Net : Jurnal Ekonomi dan Bisnis MAHESA : Malahayati Health Student Journal JURNAL MANAJEMEN AKUNTANSI (JUMSI) TEACHING : Jurnal Inovasi Keguruan dan Ilmu Pendidikan Plusminus: Jurnal Pendidikan Matematika IJORER : International Journal of Recent Educational Research Jurnal Riset Ilmu Ekonomi EkoPreneur ARRUS Journal of Engineering and Technology International Journal of Quantitative Research and Modeling Asian Management and Business Review Jurnal Riset dan Pengabdian Masyarakat Juwara : Jurnal Wawasan dan Aksara International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Sibatik Journal : Jurnal Ilmiah Bidang Sosial, Ekonomi, Budaya, Teknologi, Dan Pendidikan Agrifitia: Journal of Agribusiness Plantation JRAM (Jurnal Riset Akuntansi Multiparadigma) Proceeding International Seminar of Islamic Studies Wiga : Jurnal Penelitian Ilmu Ekonomi Excellent Midwifery Journal Tropical Health and Medical Research Journal Journal of Disruptive Learning Innovation (JODLI) Jurnal Agriculture JURNAL MANAJEMEN MODAL INSANI DAN BISNIS (JMMIB) Jurnal Transparansi Publik (JTP) Journal of Trends Economics and Accounting Research Jurnal Pemberdayaan dan Pendidikan Kesehatan Jurnal Ekonomika Dan Bisnis Jurnal Dunia Pendidikan Economic Reviews Journal JUITECH: Jurnal Ilmiah Fakultas Teknik Universitas Quality JURNAL AGROTEKNOSAINS Pro-Stek Prosiding Seminar Nasional Universitas Serambi Mekkah International Journal Of Economics Social And Technology Journal of Community Service Jurnal Teknik Sipil Institut Teknologi Padang Journal of International Conference Proceedings Indonesian Journal of Community Empowerment Tsaqofah: Jurnal Penelitian Guru Indonesia Jurnal Pengabdian Masyarakat Bhinneka ANWARUL: Jurnal Pendidikan dan Dakwah Indonesian Management and Accounting Research Media Ekonomi International Journal of Community Service (IJCS) Worksheet : Jurnal Akuntansi Jurnal Komunikasi, Sains dan Teknologi (JKST) Jurnal Pemberdayaan Sosial dan Teknologi Masyarakat Jurnal Sosial dan Sains JRAP (Jurnal Riset Akuntansi dan Perpajakan) Journal of Artificial Intelligence and Digital Business JURNAL FIRNAS International Conference on Health Science, Green Economics, Educational Review and Technology (IHERT) Innovative: Journal Of Social Science Research Balale' : Jurnal Antropologi Sintaks: Jurnal Bahasa dan Sastra Indonesia Vernacular Journal of Medical Laboratory Research JEKSya Jurnal Ekonomi dan Keuangan Syariah Journal of Multidisciplinary Science: MIKAILALSYS Ahsana: Jurnal Penelitian dan Pengabdian kepada Masyarakat Jurnal Ekonomi Kreatif Indonesia Jurnal Pengabdian Masyarakat Indonesia Sejahtera Sriwijaya Journal of Agribusiness and Biometrics in Agriculture Research JIM: Jurnal Ilmiah Mahasiswa Pendidikan Sejarah PEDAGOGIC: Indonesian Journal of Science Education and Technology West Science Social and Humanities Studies Kajian Akuntansi NHI Hospitality International Journal Journal of Chemistry Education and Integration IIJSE Prosiding Seminar Nasional Pengabdian Kepada Masyarakat: Peduli Masyarakat Jurnal Pendidikan Guru Sekolah Dasar Jurnal Pengabdian Bukit Pengharapan Prosiding Seminar Kesehatan Masyarakat Jurnal Pengabdian Masyarakat dan Riset Pendidikan VISA: Journal of Vision and Ideas Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Jurnal Inovasi Global Jurnal Cendekia Ihya AS-SHIHA: JURNAL KESEHATAN Journal Education Innovation Trends in Infection and Global Health Journal of Management Education Social Sciences Information and Religion International Research Journal of Business Studies PITIMAS: Journal of Community Engagement in Health Ikhlas: Jurnal Ilmiah Pendidikan Islam Celebes Nursing Journal Joong-Ki Research in Accounting Journal ETNOPEDAGOGI: Jurnal Pendidikan dan Kebudayaan Desultanah: Journal Education and Social Science JURNAL TEKNOLOGI, KESEHATAN DAN ILMU SOSIAL Jurnal Punyimbang Magister Scientiae Jurnal Ekonomi Kuantitatif Terapan Proceeding Banten International Conference on Health Advancement & Research (BINAR) Jurnal Kesehatan Jurnal Agama Sosial dan Budaya
Maya Sari
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From Bias to Better Decisions: Behavioral Insights for Financial Literacy Curriculum Development in Higher Education Yuliawati, Tia; Nurhayati, Netti Siska; Abdul Aziz, Nor Farradila; Nugraha; Sari, Maya; Purnamasari, Imas; Harisandi, Prasetyo
IJORER : International Journal of Recent Educational Research Vol. 7 No. 1 (2026): January
Publisher : Faculty of Teacher Training and Education Muhammadiyah University of Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46245/ijorer.v7i1.984

Abstract

Objective: This study aims to analyze the effect of behavioral bias on investment decisions of undergraduate students in Indonesia in the context of higher education with risk perception as a mediating variable and financial literacy as a moderating variable as a basis for strengthening the behavioral-based financial literacy curriculum in universities, as well as preparing students to become rational investors. Method: The study used a quantitative approach by distributing questionnaires to 385 undergraduate students in Indonesia who are active individual investors and registered with the Kustodian Sentral Efek Indonesia (KSEI). The structural model analysis was conducted using SmartPLS 4, while the moderated mediation test was performed using PROCESS Model 59 in SPSS. Results: The study's results indicate that behavioral bias has a significant adverse effect on risk perception, which in turn hurts the investment decisions of students in Indonesia. Financial literacy is proven to act as an important moderating variable. It can weaken the adverse effect of behavioral bias on risk perception and change the impact of risk perception on investment decisions to be positive at high levels of financial literacy. In addition, risk perception mediates the relationship between behavioral bias and investment decisions, especially at moderate levels of financial literacy. Novelty: The findings underscore the importance of integrating behavioral aspects in developing financial literacy curricula in higher education to equip students with the cognitive and affective competencies needed for rational investment decision-making. This study contributes to the behavioral finance literature and offers practical and theoretical contributions for educators and policymakers in designing contextual and behavioral-based financial literacy education for students.
ANALISIS KARAKTER MANDIRI SISWA DENGAN PENDEKATAN PEMBELAJARAN BERDIFERENSIASI DI SEKOLAH DASAR Maya Sari; Mohammad Fauziddin; Masrul; Lusi Marleni; Mufarizuddin
Pendas : Jurnal Ilmiah Pendidikan Dasar Vol. 10 No. 04 (2025): Volume 10 No. 04 Desember 2025
Publisher : Program Studi Pendidikan Guru Sekolah Dasar FKIP Universitas Pasundan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23969/jp.v10i04.39390

Abstract

This study aims to analyze students' independent character through the implementation of differentiated instruction in the Science and Social Studies (IPAS) subject in Grade V at SDN 009 Bangkinang Kota. The background of the study is rooted in the importance of fostering independence in students from an early age and the need for instructional strategies that accommodate student diversity. This research employed a qualitative approach with a case study method. The research subjects were 18 fifth-grade students. Data were collected through observation, interviews, and documentation. The findings reveal that differentiated instruction supports the development of students' independent character, particularly in four key aspects: time management, resource management, problem-solving, and self-development. However, variations in the level of independence among students were observed, especially in problem-solving and self-development aspects. These results indicate that differentiated instruction provides a positive learning environment for nurturing student independence, although continuous guidance and support are still necessary. This study recommends that teachers continue to develop student-centered instructional strategies to foster more independent and responsible learners.
The Structure of the Narative Texts Written by the Students of ESP Maya Sari; Stefanus Laga Tukan; Agustinus Ngadiman
Magister Scientiae No. 29 (2011)
Publisher : Widya Mandala Surabaya Catholic University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33508/mgs.v0i29.583

Abstract

In line with the objective of Writing 1; making the students capable to write a good recount including a(n) (auto) biography texts and narratives texts in grammatically correct and acceptable sentences in English, the writer, hence, tries to investigate the quality of Writing 1 products, especially the narrative texts they produced. The data sources of the study under report are Writing 1 students’ final semester test papers of the even semester of the academic year of 2006/2007 and 2008/2009 in the EESP of WMSCU. The results of the analyses show that the organization of the narrative of the excellent. Even though the organizational patterns are varied, the readers are still able to follow the compositions with a good understanding and feel the flow of the compositions. In short, those compositions are understandable.
Does sustainability strengthen asset pricing models? Moderating effects in the Fama-French framework on ESG leaders Maulana, Yasir; Nugraha, Nugraha; Disman, Disman; Sari, Maya
Asian Management and Business Review Volume 6 Issue 1, 2026
Publisher : Master of Management, Department of Management, Faculty of Business and Economics Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AMBR.vol6.iss1.art10

Abstract

This research investigates the moderating role of environmental, social, and governance (ESG) risk ratings in the relationship between traditional Fama-French framework and excess stock returns among companies listed in the ESG Leaders Index for the 2021–2023 period. Using moderated regression analysis (MRA), the findings reveal that small minus big (SMB) exerts a significant positive impact on excess returns, confirming the relevance of firm size as a pricing factor even within the sustainability-focused investment universe. Meanwhile, market risk and high minus low (HML) do not show demonstrate statistical relevance direct effects, although HML is marginally significant. Furthermore, ESG risk rating demonstrates a moderating effect only in the relationship between HML and excess returns, suggesting that sustainability considerations may weaken the traditional value premium. These results highlight the partial integration of ESG risk into asset pricing dynamics and underline the essentiality of incorporating ESG factors in developing more robust, sustainable investment strategies. The study provides practical insights for market participants, fund managers, and authorities navigating the transition toward sustainable finance in emerging markets.
Analysis Of Macroeconomic Conditions On The Performance Of Protected Mutual Funds In Indonesia In Moderated Age And Size Of Mutual Funds For The Period January 2018 – August 2023 Tinjung Desy Nursanti; Nugraha; Ika Putera; Maya Sari; Erric Wijaya
Jurnal Ekonomi Kuantitatif Terapan Vol. 17 No. 2 (2024): Vol. 17, No. 2, Agustus 2024 (pp.155-369)
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24843/JEKT.2024.v17.i02.p09

Abstract

This study aims to find evidence whether Macroeconomic Conditions can affect the Performanceof Protected Mutual Funds in Indonesia which is Moderated Age and Size of Mutual Funds forthe period January 2018 – August 2023. The motivation for this study comes from identifying therelationship between macroeconomic conditions and mutual fund performance simultaneously isvery important because it has significant implications in efforts to improve mutual fundperformance against macroeconomic conditions. However, there are limitations to empiricalstudies on the impact of these mutual funds because the data year series is limited to only a fewyears. Using the Random Effect Model (REM) panel regression method approach, the analysisperiod from January 2018 to August 2023 panel data on macroeconomics and mutual funds, itwas found that macroeconomic variables of the rupiah exchange rate against the US dollar (NT)had a significant influence on the performance of the highest mutual funds measured by the sharperatio. Meanwhile, macroeconomic variables that do not have a significant influence on theperformance of protected mutual funds are interest rate (SBI) and inflation (INF) variables. Thevariable age and size of mutual funds have a significant influence on the performance of protectedmutual funds. In addition to these independent variables, this study also used moderator /moderating variables. Moderator variables to see the interaction relationship between moderatorvariables and predictor variables (independent). Moderator variables are variables that canstrengthen or weaken the relationship between independent and dependent variables. Themoderator variables of this study are age and size of mutual funds
A Comparative Study of Fintech Literacy between Generation Y and Generation Z Nurhayati, Netti Siska; Yuliawati, Tia; Nugraha, Nugraha; Sari, Maya
Jurnal Ekonomi Manajemen Vol 11, No 2 (2025): November 2025
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jem.v11i2.17789

Abstract

This study examines whether significant differences in fintech literacy exist between Generation Y and Generation Z in the context of increasing digital financial transformation. The use of technology in the financial sector is known as financial technology (fintech). The purpose of this study is to determine whether there are differences in Fintech Literacy between generation Y and generation Z, given that these two generations absorbed internet technology in their youth to adulthood, in the mid-1990s to 2000s. In this study, Fintech Literacy refers to the Diffusion of Innovation (DOI) theory and the Technology Acceptance Model (TAM) conceptual model. In order to answer the research questions, questionnaires were distributed to 100 generation Y respondents and 183 generation Z respondents. Hypothesis testing was carried out using the Mann-Whitney Test, adjusted for the ordinal scale data form. The results of the hypothesis test show that there is no significant difference in Fintech Literacy between generation Y and generation Z. Beyond its empirical contribution, this study enriches the fintech literacy literature by demonstrating that generational differences may be less pronounced than commonly assumed, particularly when both cohorts are exposed to similar technological environments
A Moderated Mediation Analysis of Islamic Bank Stability in Asian OIC Countries Amalia, Shendy; Heryana, Toni; Waspada, Ikaputera; Sari, Maya; Ho, Thuy Tien
Jurnal Reviu Akuntansi dan Keuangan Vol. 16 No. 1 (2026): Jurnal Reviu Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jrak.v16i1.42823

Abstract

Purpose: This study investigates the relationship between asset diversification and Islamic bank stability by incorporating profitability as a mediating variable and managerial ownership as a moderating variable. The study aims to determine whether diversification contributes to financial resilience and whether internal governance mechanisms reinforce this effect. Methodology/approach: Using panel data from Islamic banks in OIC Asian countries during 2020–2024, the analysis applies Hayes’ PROCESS Model 15, allowing the simultaneous examination of mediation and moderation effects within a single analytical framework. Findings: The results show that managerial ownership plays a decisive role in influencing Islamic bank stability, with evidence pointing to a destabilizing governance effect. Conversely, asset diversification and profitability do not demonstrate a meaningful relationship with stability. Additional analysis indicates that profitability does not mediate the diversification stability nexus, and managerial ownership does not condition these relationships. These findings highlight the dominant role of governance incentives over diversification strategies in explaining stability outcomes among Islamic banks. Practical implications: The study enriches the agency–governance discourse in Islamic finance and offers policy insights for strengthening the long-term resilience of Islamic banks. Originality/value: The research introduces a moderated mediation framework integrating diversification, profitability, and managerial ownership using Hayes’ PROCESS Model 15 in the context of OIC Asian Islamic banks.
AMBIENT PM2.5 CONCENTRATION AND THE RISK OF HYPERTENSION IN ADULTS: A META-ANALYSIS STUDY Achmad Rizki Azhari; Maya Sari; Osep Yasier Almunsiri; Nur Afifah Harahap
Proceeding of Banten Internasional Conference on Health Advancement and Research Vol. 1 No. 1 (2026): Proceeding Banten International Conference on Health Advancement & Research (BI
Publisher : Poltekkes Kemenkes Banten

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

Abstract

Long-term exposure to ambient fine particulate pollution (PM2.5) has been associated with cardiovascular diseases. Hypertension, a major risk factor for cardiovascular diseases, has also been hypothesized to be linked to PM2.5. Annual average PM2.5 concentrations were estimated for each community using satellite data. We applied two-level logistic regression models to examine the associations, and estimated hypertension burden attributable to ambient PM2.5.
Analysis of Financial Distress using the Altman Z-Score Model, Springate Model, Zmijewski Model, and Grover Model Frido Sarita Simatupang; Ikaputra Waspada; Maya Sari; Tia Yuliawati
International Journal of Quantitative Research and Modeling Vol. 5 No. 2 (2024): International Journal of Quantitative Research and Modeling
Publisher : Research Collaboration Community (RCC)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46336/ijqrm.v5i2.695

Abstract

The tight competition in the business world in the automotive industry that occurs in the current era of technology and development means that companies must have broad and clever thinking to keep the company from the brink of failure. During this research period there was a decline in automotive sales and company profits in the automotive and component sub-sectors listed on the IDX for the 2016-2020 period. This research aims to find out which prediction model is the most accurate and precise in predicting financial difficulties using model accuracy tests. The population in this study was 13 companies, then a purposive sampling technique was used to obtain 10 companies that were included in the research criteria. The results of this research show that the Altman Z-Score, Springate, Zmijewski and Grover models have different results, the Altman model predicts that there are 5 companies that are indicated to be healthy, 3 companies are in the Gray area, and 2 companies are indicated to have the potential to go bankrupt, the Springate model predicts that there are 5 companies healthy and 5 unhealthy companies, the Zmijewski model predicts that there are 9 healthy companies and 1 company that is indicated to have the potential to go bankrupt, the Grover model predicts that there are 7 healthy companies and 3 companies that are indicated to be unhealthy. With these results, the financial distress model with the highest accuracy is the Zmijewski model with an accuracy level of 92%, while the accuracy levels of the Altman Z-Score, Springate, and Grover models are 76%, 44%, and 76% respectively. With these results, the Zmijewski model is the most suitable model for use in automotive and component sub-sector companies in 2016-2020.
Investor Behavioral Bias and Mutual Fund Investment Decisions: Implications for Culturally Sensitive Investor Education in Indonesia Yusnita, Rita Tri; Nugraha, Nugraha; Disman, Disman; Sari, Maya; Aminullah, Zakariya Pamuji
IJORER : International Journal of Recent Educational Research Vol. 7 No. 2 (2026): March
Publisher : Faculty of Teacher Training and Education Muhammadiyah University of Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46245/ijorer.v7i2.1326

Abstract

Objective: This study examines the effect of behavioral bias on mutual fund investment decisions in Indonesia by positioning attitude toward risk as a mediating variable and cultural orientation as a moderating variable, with implications for culturally sensitive investor education. Methods: A quantitative causal–explanatory design was employed using primary data from a survey of 300 individual mutual fund investors selected through purposive sampling. Data were analyzed using Confirmatory Factor Analysis and Hayes PROCESS macro Model 15 in SPSS to test direct, indirect, and moderated relationships among behavioral bias, attitude toward risk, cultural orientation, and investment decisions. Results: Behavioral bias significantly influences investment decisions both directly and indirectly through attitude toward risk. Cultural orientation moderates these relationships by weakening bias-driven effects under stronger cultural orientations, confirming a moderated–mediated model integrating psychological and sociocultural determinants of investment behavior. Novelty: This study offers a novel integrative framework combining behavioral finance and cultural finance perspectives while explicitly linking them to investor education. It highlights how behavioral bias, risk attitude, and cultural orientation should inform the design of culturally sensitive financial literacy and advisory strategies, providing an evidence-based foundation for developing investor education programs that address behavioral and cultural factors in mutual fund decision-making.
Co-Authors ,, Erwansyah Abdul Aziz, Nor Farradila Abdul Hamid Abdul Muhaimin Elyusufi Abdul Rozak Achmad Rizki Azhari Adilla Bahri Lubis, Nur Afdhal Surya Hamid Agus Rahayu Agustin, Roro Rian Agustini, Kamelia Agustinus Ngadiman Ahiase, Godwin Ahmad Afandi Ahmad Sabri Ahmad Sabri Aidhya Irhash Putra Akma Khairunnisa Al Muna, Nuna Alfiana, Rinta Alhadi, Fahmi Ali Hasan Al Bahar Ali Usman, Ali Allenidekania Allenidekania Alwinda Manao Amalia, Shendy Aminah Aminah Amirah, Eva Ammar, Muflih Ampomah, Philipina Anang Shophan Tornado Anayati, Wan Andriana, Denny Andrieta Shintia Dewi Anggi Julianti Anita, Apriliawati Annisa Nabila Antonius Antonius Arfina, Angga Arianto, Tezar Arifin, Adip Arista, Dora Arman Bemby Sinaga Arrum Dwi Wahyuni Asana, Annur Ramadhani Asih Rahayu Ajeng Agesti Askolani Askolani, Askolani Asma Asma Asriani, Elza Astuti, Fitri Diana Asya, Shadrina Aulia Rahman Harahap Awudu, Shaibu Ayu Juni Sihombing Ayu Nurwitasari Aziza Maharani Azti, Tengku Mutiara Baehaqi Bahri, Aisyah Amanda Baihaqqi, Mhd Anggi Baihaqqy, Mochammad Rizaldy Insan Balang, Fransiskus Barokah, Tetty Baso Pallawagau Budhi Pamungkas Gautama, Budhi Budiharto, Toto Caesarya, Sesy Cahyaningsih, Desi Cahyaningtyas, Christian Chairul Furqon, Chairul Chandra, Dicky Chatarina Umbul Wahyuni Ciptagustia, Annisa Dabi, Rowland Seyram Koku Daviq Chairilsyah Davu Raissa Elazar Dedy Dedy Syahputra, Dedy Defung, Felicity Desi Desi, Desi Destrinelli Destrinelli Desy Tri Anggarini Dewi, Intan Kumala Dian Kurnianingrum, Dian Dibias Lazuardi Maulid Dinda Adela Dinda Aulia Nazwa Disman Disman Disman Disman, Disman Diwa Ardhaza Dona Afriyani Donal Nababan Dyan Eka Tamara Edi Suryadi, Edi Edisah Putra Nainggolan Eka Nurmala Sari Eko Prihandono Eli Ratni Elni Fatimah Elviana Elviana, Elviana Elvina Sari Ema Nur Amalia Endah Wahyuni Erika, Friti Sinta Erric Wijaya, Erric Erwan Efendi Euis Bandawaty Fachrur Rozi Fajar, Pipih Nurul Fajri, Arinal Fanji Wijaya Fauziah, Sheilla Nurul Febri Nur Salamah Febrimeli, Dwi Febtrina, Rizka Feskaharni Alamsjah Feti Karfiati Memed Fidiana, Fidiana Fikri, Rizal Firman Ganda Manik Fitmawati Fitmawati Frido Sarita Simatupang Fuad Muchlis Gaol, Liska Yuni Br Lumban Ghotan Rolandi Ginting, Intan Anisa Gudiato, Candra Gunawan, Fany Gunawan, Shodhik Ade Gusmaneli Gusmaneli Gusmita Zalianti Habiddin Hairani, Debby Riana Hakiki, Iqbal Hanafi Nasution Handayani, Oktavia Hanif, Faizira Nur Hanifah Yusuf Harahap, Yanti Novita Hardita, Lisha Febrianty harisandi, Prasetyo Harun, Muhammad Fiqri Hasibuan, Ira Maulida Sari Haugesti Diana Henny Herwina Heny Hendrayati HERI SUSANTO Herliani Herliani Heryana, Toni Heskia, Carlo Hidayat, Arman Hilman Firmansyah, Hilman Hilman, Shinta Indriawati Hindriyanto Dwi Purnomo Ho, Thuy Tien Hukmi Hukmi, Hukmi Husnul Khatimah Ibnu Rawandhy N. Hula Ika Putera Ika Putera Waspada Ikaputera Waspada, Ikaputera Ikaputra Waspada Ikhsan, Sugiyanto Ikin Solikin Ilahi, Wahyu Ilaina, Shofy Imas Purnamasari Indriyani Handyastuti Ingsun Kumala Irti Intan Royana Silalahi Irawan, Rini Larasati Irawati Irfani Irfan, Irfan Irfanny, Riza Irwan Sembiring Is Natonis, Rolfi Junyanto Isnaniar Iwan Kurniawan Iwan Kurniawan Jalaludin, Engga Januri, Januri Japo Alberto Jasmi Jasmi Jaya, Andi Eka Putra Jiye Jin Jufrizen Juju Masunah Julia Famor Pratami Julia Rahmah, Julia Juliana Br Simbolon Juliana br Simbolon br Simbolon Juliana, Nur Julita, Sety Kadewi, Ami Karimaliana, Karimaliana Karsiwan Karsiwan Kartika Sari, Lia Kasmiruddin " Khamiliyah, Lili Komariah, Elis Kpodo, Percy Chris Krishna Yuliawati, Ayu Kuntum Khaira Kurniadi, Elika Kurniawan, Ahmad Afrideni Kusnendi, Kusnendi Kusumah, Echo Perdana Kusumah, Reni Risnawati Laisya Okta Preyera Laster Jujanwar Bancin Lekettey, Edem Leonardo, Enrico Lesmana, Hendy Lestari, Firda Maulani Lestari, Nining Puji Lestari, Popy Lili Adi Wibowo Lilies N Tangge Lindesi Yanti Lisna, Yusi Yusnita Juwita Livia Fransiska Lubis, Febby Putri Anasya Luckyardi, Senny Lumbatoruan, Astuti Lusha Natasya Lusi Marleni, Lusi M. Arief Fadillah Maimunah R Maimunah R Maimunah, Ai Maini Sitepu, Juli Maisyarah, Rini Mar Atun Saadah Mardhatilla, Mely Mardin, Mardin Maria Angela Siokalang MARIA BINTANG Mariana Mariana Mariati Siregar, Laura Marsia, Marsia Masriani . Masripah, Imas Siti Masrul Djalal Mathewi, Mathewi Maulana, Yono Maulana Maysarah Nabila Mayta Novaliza Isda Mega Yusdian Puteri Mia Adilla Mira Mira Mira MMSI Irfan ,S. Kom Mochammad Imron Awalludin Moh. Yuddy Yudawirawan Mufarizuddin Mughni, Gilman Muh. Fahrudin Alawi Muhamat, Amirul Afif Muhammad Afif Muhammad Andi Prayogi Muhammad Baihaqki Muhammad Basyir Muhammad Firza Alpi, Muhammad Firza Muhammad Idris Muhammad Irfan Nasution Muhammad Luthfi Muhammad Luthfi Muhammad Nadjib, Muhammad Muhammad Nur Kholis Muhammad Nur Kholis Muhammad Ridho Muhammad Shareza Hafiz Muhammad Sofwan Muhammad Syahrizal MUHAMMAD YUSUF Muhammad, Saiful Muhyarsyah, Muhyarsyah Munaya Fauziah Muntholib Muriati, Dewi Sri Mursyidin Muslih Muslih Muslima Muslima, Muslima Nadeak, Thomas Nadia Putri Nadira Nurul Fathiyah Nasution, Affrina Nasution, Alamsyah Nasyalia, Cut Natasya Ramadhana Natasya, Lusha Nengsih, Luluk Wahyu Nery Sofiyanti Netti Siska Nurhayati Ngadimin Ngadimin Niken ananda Nirzalin Nopiazinda, Adelia Nopita Yanti Sitorus Nopitasari, Nopitasari Novel Ersa Ilfada, Dwi Novi Anggelia Tratama Noviani, Doris Novien Rialdy Novita Safitri Novitry, Viony Nugraha Nugraha , Nugraha Nugraha Nugraha Nugraha Nugraha Nugraha, H. Nugraha, N Nugroho, Very Sapto Nur Afifah Harahap Nur Azizah Nuranti Rumela Sirait Nurbani, Tri Nurcahyo, Azriel Christian Nurdianti Nurdianti Nurlinda, Andika Nurmala, Eka Nurohmah, Endah Nursayuti, Nursayuti Nurul Ilmi, Nurul Nurul Siti Jahidah Nuryadin, Rully Nyimas Heny Purwati Oce Ridwanudin Olieviani, Marisa Onsardi, Onsardi Osep Yasier Almunsiri P, Noviyanti P, Noviyanti. Padilah Hasibuan Panab, Fridon D. Pardede, Rachel Christa Masniari Pawitra, Mohammad Tyas Perdana, Yoga Pohan, Mukmin Pranata, Syafroni Pratama, Siswa Pri Agung Danarahmanto Prihadi, M Dana Primawita Oktarima Puji Lestari, Sri Purnawati, Tri Purwandari, Istiti Puspo Dewi Dirgantari Puteri, Mega Yusdian Putra Santoso Putri Fadillah Putri Lilis Dyani PUTRI WULANDARI Putri, Aghnia Meilana Raden Mohamad Herdian Bhakti Radiman Radiman Radiman Radiman, Radiman Rahayu, Sri Ulfa Rahma Siska Utari Rahmayati Rahmayati, Rahmayati Rahmi Safitri, Rahmi Rakhmaji, Iqbal Rakhman, Ani Rakhmanita Ramadhan, Nanda Ramadhani, Elrisa Ramadhani, Indi Ramadhaniyah, Mona Rambe, Rizkina Ramadhani Ramdhonah, Zahra Rani Ismil Hakim Rapida Saragih Rasdiana, Rasdiana Rasyidah Ratri Harida Ratu Dinny Fauziah Renhoran, Farida Rennyta Yusiana Resti Indriarti Retno Wahyuningrum Rifani, Putri Ardila Rifda Afifah Rifki Hafas, Hafriz Rikawati Ginting Munthe Rinta Alfiana Ririn Ariyanti, Ririn Risa Ratna Gumilang Risdalina Risnati Malinda Riswanto ., Riswanto Rita Tri Yusnita Rizki Anugrah, Rizki Rizki Yunanda Robert Sinaga Rofi Rofaida Rohan Ghaffaruddin, Muhammad Rohmawati, Wahidah Roida Ervina Sinaga Rony, Zahara Tussoleha Rosadi, Asep Rosina Sitohang Rostina Sundayana RR. Ella Evrita Hestiandari Ruliandari, Latifa Rulli Hidayatullah S, Rizki Eka Sabinus Beni SABRINA, ELSA Safina, Nila Sahra, Maidina Sahureka, Marthine Salfarini, Eligia Monixa Sandrina Dwi Melany Sangkot Anisa Saputra, Yoerdy Agusmal Sara Wandari Saragih, Aji Fadillah Sarbaini Sarbaini Sari, Denny Novita Mayang sari, Mutia Satari, Karmelita Satyadharma, Maudhy Sayono Senny Luckyardi Sentot Purboseno Setiawati, Dewi Nur Shafira, Aliya Shafitri, Novia Mahera Sherlyna Puasari Shofy Ilaina Siolimbona, Indra Siregar, Ayu Irmayana Siregar, Marlina Siswoyo, Joan Siti Kurniasih Siti Mujiatun Siti Rahayu Sitorus, Mido Ester Situmorang, Menara Wati Siwi Istiana Dinarti, Siwi Istiana Solihat, Deti Farida SORAYA, RATNA Sri Fitri Wahyuni Sri Puji Lestari SRI RAHAYU Sriana Dewi Stefanus Laga Tukan Sua Betria Dhani Sugianto, Helena Anggraeni (Reni) Tjondro Sugiyono . Suhono Suhono, Suhono Sukma Lesmana, Sukma Sulistiawati, Reni Sumari Sumari Surisman Suryadi, Yopi Susanti Susanti Susiyanti Susiyanti Suwarli Suwarno Swandi, Monica Kharisma Syafiqo, Syafira Auliani Syafitri, Yenni Syafrida Hani Syah, Razha Jamsik Syahputra, Fahmy Syaiful Amri Syamsiati . Thomas, Shanti Tia Yuliawati Tika Arwinda Tinjung Desy Nursanti Tita Maulidya TITIN SUPRIATIN, TITIN Titin Sutini Tiy Kusmarrabbi Karo Toni Wandra Tri Wulandari Triyono Adi Tristanto Ulfa Nurullita Utama, Wahyudayanto Utami, Nyda Utin Desy Susiaty Uwi’ah, Mutata Valina Julia Cahyani Vanessa Gaffar Veithzal Rivai Zainal Wahyuni, Agus Wakhyuni, Emi Waluyanti, Fajar T Wandra Irvandi Wardatus Sholihah Wartini, Tini Waspada, Ika Putera Wazdi, Babay Parid Wellyalina, Wellyalina Widia Astuti Widia Astuty Widodo, Melly Andani Widya Sastika Willma Fauzzia Wimpi Siski Pirari Wiwien Mukti Andriyani Wiwik Norlita Yana Ulfah Yanti Susanti Yanti, Pitri Yasir Maulana Yayat Supriyatna Yeremia Niaga Atlantika Yono Maulana Maulana Yukans, Septy Sari Yulandri, Elsa Yuliawati, Ayu Khrishna Yuni Listiarini Yunika Afryaningsih Zakariya Pamuji Aminullah Zakiah Zakiah Zalianti, Gusmita Zein, Jus Yuly Evi Zein Zulfadhli Zulfadhli Zulia Hanum