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Jurnal Ilmu-Ilmu Perairan, Pesisir, dan Perikanan Jurnal Promosi Kesehatan Poltekkes Bengkulu Submit : Jurnal Ilmiah Teknologi Informasi dan Sains Celebes Journal of Community Services ZIJEc: Zabags International Journal of Economy Wealth: Journal of Islamic Banking and Finance Journal of Management Education Social Sciences Information and Religion I'thisom: Jurnal Ekonomi Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Abdurrauf Social Science Multidiscience: Journal of Multidisciplinary Science El-Suffah: Jurnal Studi Islam JURNAL REKAYASA KIMIA & LINGKUNGAN Jurnal Abdimas Kesehatan Multidisciplinary Indonesian Center Journal Greenation International Journal of Law and Social Sciences JAS (Jurnal Akuntansi Syariah) Journal of Media, Sciences and Education JOETAL: Journal of Education, Teaching and Learning The International Journal of Mathematics and Sciences Education Jurnal Cendekia Ilmiah Jurnal Ekonomi, Manajemen, Akuntansi Jurnal Indonesia Mengabdi Abdurrauf Science and 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ANALYSIS OF SOURCES OF FUNDS FOR INDONESIAN ISLAMIC BANKS Zulkifli Hasibuan, Mhd; Siregar, Saparuddin; Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 1 (2022): February
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i1.136

Abstract

Islamic banks are banks that carry out business activities based on sharia principles, or Islamic legal principles regulated in the fatwa of the Indonesian Ulema Council such as the principles of justice and balance ('adl wa tawazun), benefit (maslahah), universalism (natural ), and do not contain gharar, maysir, usury, injustice and unlawful objects. Funds can also be obtained from own capital, namely by issuing or selling shares. Acquisition of funds is also adjusted to the purpose of the use of these funds. The selection of funding sources will determine the size of the costs borne. Therefore, the selection of sources of funds must be done properly. If the purpose of obtaining funds is for daily activities, the source is clearly different from if the bank wants to make a new investment or to expand a business. Funds needed for the bank's main activities are obtained in various deposits, whereas if the funds needed are used for new investments or business expansion, they are obtained from own capital.
SHARIA BANK CORPORATE GOVERNANCE BASED ON MAQASHID SHARIA Syahraini, Syahraini; Siregar, Saparudin; Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 1 No. 2 (2021): December
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v1i2.138

Abstract

This study aims to determine the effect of Good Corporate Governance as measured by the number of sharia supervisory boards, sharia supervisory board meetings, the number of boards of directors, board of directors meetings, the number of commissioners, board of commissioners meetings on the performance of maqashid sharia. The results of this study indicate that the variable meeting the board of directors has a significant effect on the performance of maqashid sharia. While the variable number of sharia supervisory board, sharia supervisory board meeting, number of board of directors, number of board of commissioners and board of commissioners meeting on maqashid sharia performance.
LITERATURE REVIEW OF AGRIBUSINESS PRODUCT FINANCING DEVELOPMENT MODEL AT SHARIA BANK Al Amin, Haris; Siregar, Saparuddin; Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 2 (2022): April
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i2.188

Abstract

This study aims to analyze the development model of agribusiness product financing in Islamic banks in Indonesia. The data used in the analysis related to the research topic were taken from journal articles on Google Scholar. Data from these sources were then analyzed using a literature review approach. Based on the results of the analysis, it was found that several models of agribusiness product development at Islamic banks in Indonesia are different from the credit model, this Islamic financing is interest free, profit sharing is based on profit sharing made after the transaction period ends. This paper aims to introduce the Islamic financing model and the prospects for its implementation in the agricultural sector. The results of the study show that Islamic financing is prospective enough to strengthen capital in the agricultural sector. To support its implementation in the agricultural sector, it is necessary to take sides with policy makers as well as intensive socialization of the principles of Islamic financing. The modeling used in this research is a literature study or literature review. The literature study in this research was conducted to study the definition of keywords, to deepen theories and concepts and to identify variables related to the background and context of the research. Study of literature related to the model of developing financing for agribusiness products at Islamic banks in Indonesia, searching for journals using Google Scholar with the keywords "Agribusiness Products" and "Islamic Banks". ” found as many as 1040 papers but after reviewing there were 8 appropriate journal papers related to the title "Development of Agribusiness Products in Islamic Banks" with category years (2008-2021).
PROBLEMS OF AL-SHARF IMPLEMENTATION IN SHARIA BANKING (STUDY LITERATURE) Simahatie, Mai; Siregar, Saparuddin; Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 2 (2022): April
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i2.218

Abstract

This study aims to analyze the problems that occur in the implementation of the Sharf contract in Indonesian Islamic banking, this research method is a descriptive qualitative research design with Literature Review or literature review. The results of this study are currency exchange is allowed when if it can be proven that there are no elements of gharar, maisir, usury and juhala, Al-sarf which is allowed in Islamic Sharia is only Spot Transactions while Forward Transactions and Swap Transactions are unlawful, There are problems in the implementation of Al -Sharf such as there should be no delay in payment, it is difficult to identify the customer's purpose for exchanging currency, while it is known that the Al-sarf transaction should not be carried out for the purpose of speculation (chance) or because there is a need for a transaction or as a precaution (savings). And the lack of customer literacy in knowing how to calculate or determine the exchange rate, how to calculate the currency exchange rate itself, so that in Al-Sharf transactions it can cause gharar because it is not understood by both parties to the transaction.
ASSESSING RISK MANAGEMENT IN SHARIA BANKING Yahya, M.; Saparuddin, Saparuddin; Siregar, Siregar; Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 3 (2022): June
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i3.267

Abstract

Risk management is an important element whose application is very important, especially in Bank as one of financial institution. In the circumstances of the external and internal environments of the rapidly expanding banking, Islamic banks are always faced with various types of risk with varying levels of complexity and inherent in their business activities.s
ANALYSIS OF SOURCES OF FUNDS FOR INDONESIAN ISLAMIC BANKS Zulkifli Hasibuan, Mhd; Siregar, Saparuddin; Sugianto, Sugianto
International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Vol. 2 No. 3 (2022): June
Publisher : CV. Radja Publika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijebas.v2i3.268

Abstract

Islamic banks are banks that carry out business activities based on sharia principles, or Islamic legal principles regulated in the fatwa of the Indonesian Ulema Council such as the principles of justice and balance ('adl wa tawazun), benefit (maslahah), universalism (natural ), and do not contain gharar, maysir, usury, injustice and unlawful objects. Funds can also be obtained from own capital, namely by issuing or selling shares. Acquisition of funds is also adjusted to the purpose of the use of these funds. The selection of funding sources will determine the size of the costs borne. Therefore, the selection of sources of funds must be done properly. If the purpose of obtaining funds is for daily activities, the source is clearly different from if the bank wants to make a new investment or to expand a business. Funds needed for the bank's main activities are obtained in various deposits, whereas if the funds needed are used for new investments or business expansion, they are obtained from own capital.
The Role of Women's Equality in Government Programs: An Analysis from the Perspective of Qira'ah Mubadalah Najib, Afifun; Sugianto, Sugianto; Setyadi, Yusuf
Ulul Albab: Jurnal Studi dan Penelitian Hukum Islam Vol 9, No 1 (2025): Vol. 9, No. 1, October 2025
Publisher : Universitas Islam Sultan Agung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/jua.v9i1.48460

Abstract

Women are frequently marginalised as a gender that receives less recognition in social life, particularly within patriarchal societies. In comparison to men, women experience inequality across various domains, both in societal contexts and within governmental structures. This phenomenon underscores the inherent injustices present in the dynamics between women and men. However, this does not imply that women's opportunities to assume leadership roles are entirely obstructed. This paper utilises the Qira'ah Mubadalah perspective, which emphasises the values of equality and justice for women, thereby advancing the role of equality between women and men. This research is qualitative in nature and employs an empirical-sociological approach. Primary data sources were obtained through field interviews, while secondary data were sourced from academic journals, implementation guidelines for the Family Hope Program, and relevant legislation. Data collection techniques included in-depth interviews conducted through direct fieldwork. The interview data were subsequently analysed using the Qira'ah Mubadalah framework. The findings indicate that women play a crucial role in the government's Family Hope Program (PKH). This is evident in the promotion of women's equality or reciprocity within PKH beneficiary families, the advancement of gender equity for women in the division of household responsibilities, and the reinforcement of equal relationships between men and women in the public sphere. Furthermore, this research contributes to enhancing public understanding and improving family law literacy. This paper may also pave the way for further exploration of the role of women's equality in other strategic government initiatives.
Strategi Pemasaran Tabungan Tahari Syariah Mabrur PT Bank Syariah Indonesia (KCP Medan Adam Malik) Sabrinasyah, Ajengesti Latifah; Sugianto, Sugianto
Widya Balina Vol. 8 No. 2 (2023): Jurnal Ilmu Pendidikan dan Ekonomi
Publisher : widya balina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53958/wb.v8i2.329

Abstract

Tabungan Tahari Syariah Mabrur merupakan produk keunggulan PT Bank Syariah Indonesia KCP Medan Adam Malik, produk ini digunakan membantu nasabah menyelesaikan proses ibadah haji dengan akad Mudharabah mutlaqoah. Penulis menggunakan metode penelitian lapangan dengan pendekatan kualitatif deskriptif yang menekankan aspek pemahaman mendalam suatu masalah. Teknik analisis data menggunakan teknik reduksi data, penyajian data, triangulasi/validasi data dan menarik kesimpulan, yang berasal dari data primer diperoleh dari observasi, wawancara dan dokumentasi. Dan data sekunder diperoleh dari library research penelitian dan karya tulis ilmiah. Hasil penelitian menunjukkan produk tabungan tahari syariah mabrur di PT Bank Syariah Indonesia KCP Medan Adam Malik dalam operasionalnya sesuai syariat Islam, hanya saja kurang sosialisasi/penjelasan kepada nasabah yang belum paham akad mudharabah mutlaqah dalam tabungan tahari syariah mabrur bahkan adanya nisbah. Perlu strategi pemasaran tepat dalam memberikan pelayanan yang baik dan bertanggungjawab dengan menggunakan target pasar yang dituju, yaitu segmentation khusus segi daerah/wilayah, segi usia, dan segi status nasabah. Selain itu menggunakan bauran pemasaran unsur 4P, yaitu strategi produk, harga, saluran distribusi, dan terakhir strategi promosi menggunakan promosi periklanan, penjualan pribadi, promosi penjualan dan publisitas. Dapat disimpulkan kekuatan memiliki poin lebih besar daripada kelemahan sehingga peluang produk tabungan tahari syariah mabrur lebih besar dari pada ancamannya.
Strategi Pemasaran Produk Tabungan Mabrur Junior Pada Bank Syariah Indonesia KCP Aek Kanopan Sipahutar, Ana Pahira; Sugianto, Sugianto
Widya Balina Vol. 8 No. 2 (2023): Jurnal Ilmu Pendidikan dan Ekonomi
Publisher : widya balina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53958/wb.v8i2.330

Abstract

Peneliti ini bertujuan untuk menganalisis strategi pemasaran yang digunakan dalam memasarkan produk tabungan mabrur junior pada Bank Syariah Indonesia KCP Aek Kanopan. Produk tabungan ini ditujukan untuk anak- anak dengan prinsip prinsip syariah yang diintegrasikan. Metode penelitian ini menggunakan penelitian lapangan yang bersifat deskriptif kualitatif. Adapun sumber data yang penelitian ini diperoleh dari sumber data primer dan skunder, dengan teknik studi pustaka, wawancara dan dokumentasi yang bertujuan untuk mendeskripsikan strategi pemsaran produk tabungan mabrur junior yang dilakukan Bank Syariah Indonesia KCP Aek Kanopan. Adapun strategi pemasaran yang diterapkan Bank Syariah Indonesia KCP Aek Kanopan yaitu dengan menerapkan empat unsur yang terdapat pada bauran pemasaran atau biasa disebut dengan marketing mix yakni strategi produk (product), strategi harga (price), strategi tempat (place), strategi promosi (promotion).
THE EFFECT OF INFLATION, BI RATE AND EXCHANGE ON PROFITABILITY IN SHARIA BANKING IN INDONESIA PERIOD OF 2009-2019 Fuadi, Fuadi; Saparuddin, Saparuddin; Sugianto, Sugianto
International Journal of Educational Review, Law And Social Sciences (IJERLAS) Vol. 2 No. 1 (2022): January
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijerlas.v2i1.127

Abstract

This study examined the effect of inflation, BI Rate, and exchange rate on profitability in Islamic banking in Indonesia during 2009-2019. The population and sample in this study were all Islamic banking in Indonesia obtained by purposive sampling technique. This study used quantitative secondary data sourced from financial statements accessed on the official website of Bank Indonesia and the Financial Services Authority. The data analysis method used was Vector Auto-Regressive (VAR) analysis with the help of Eviews 10. The results of the Variance Decomposition (VD) test showed that inflation could affect Return on Assets (ROA) of 0.62%. It indicated that inflation had a low or insignificant effect on the Return On Assets (ROA) of Islamic banking. BI Rate could affect the Return on Assets (ROA) of 0.13%, which indicated that inflation had a low or insignificant effect on the Return On Assets (ROA) of Islamic banking, while the exchange rate could affect the Return on Assets (ROA) of 1.89%, which indicated that the exchange rate had a significant effect on the Return On Assets (ROA) of Islamic banking. Based on the results of this study, it concluded that the exchange rate was more dominant in influencing the Return on Assets (ROA) of Islamic banking in the short and long term.
Co-Authors A Kusdiwelirawan, A A. Kusdiwelirawan A.A. Ketut Agung Cahyawan W AA Sudharmawan, AA Abd Majid, M Shabri Abdul Azis Abdul Aziz Abdul Kahar Abdul Pattawe Abu Bakar Abu Bakar, Suriani Achmad Noerkhaerin Putra Addin Hrp, Miftah Rizki Ade Jamarudin Ade Sunandar Ade Suryani Ade Titie Solihati Adibatul Faruq, Safira Adilla, Nur Adnan, Amri Afifah, Rachma Aghnia, Najma AGUS AGUS Agus Mirwan Agus Sujarwo, Agus Agus Yulianto Agus, Tri Agustina, Meta Ahadiatullah, Wassi Ahmad Azhari Ahmad Basuki Ahmad Rofii Ahmad S., Anzari Ahmad Syaifuddin ahmad yani Aini, Ihdi Akbar, Ronny Makhfuddin Akbardin, Muhammad Akhirudin, Akhirudin Al Jody, Abraham Al Zahra, Maya Alfarezzi, Ahmad Alhamdi, Ridha Ali Mahmudi Ali Sarong Ali, Bisyru Maulana Amalia, Firna Amalina, Azzah Latifah Amin Al Jawi, Amin Amin, Mohammad Latiful Amin, Mokhamad Syahrul Aminuddin Aminuddin Amsari, Syahrul Amwa, Djauky Ridho Anak Agung Gede Sugianthara Andari, An An Andi Andi Darma Putra Andrianingsih, Vivi Angel, Metta Cris Angelina, Claudia Anggyi Trisnawan Putra Ani Rusilowati Anjariamsa, Dina Anni Sinaga Ansori, M Afif Anwarbi, Raqiqah Iffah Rahmi Apriadi, Didi Aprilia, Nabila Aqwa Naser Daulay Arbarija Hafiz Lubis Arbiati Faizah Ardiantoro, Luki Arief Rachman. B Arif Jaya Arif Widiyatmoko, Arif Arifani, Arifani Arini Arini Ashad, Bayu Adrian Asriadi, Ari Astuty, Eny Sri Wiji Asvio, Nova Asyharul Muala Atika Atika AULIA DEWI, NURUL AULIA, RIZKA Avrilian, Romy Awwali Rahmawati, Tarika Ayu Nindya, Arwinda Arum Azhari Akmal Tarigan Azis, Sayed Abdul Aziz Kurniawan, Moch Aziz, Moh. Azrimultiya, Viyolanda Azzahra, Melani azzarqa, azzarqa Bachtiar, Armando Baehaqi Bakara, Windy Okanawa Bambang Subali Bangun, Maya Syafira Br Basri, Hunny Lutpiah Batubara, Bunga Anggita Bayu Budi Prakoso Berutu, Fajran Rahman Bi Rahmani, Nur Ahmadi Bi Rahmani, Nur Ahmadi Bi Rahmani Ahmadi Budi Astuti Budi Hartono Bunga Dwi Fani Ritonga Burhendi, Felicianda Adrin Cahya Wulandari Cania, Ema Saswita Casmudi, Casmudi Chakim, Burhan Maritsal Chanso, Signa Elyxirarega Chatarina Umbul Wahyuni Choirul Amri Christian Badilo, Kim D.P., Ngurah Made Daelani, Supian Damayanti, Novita Dwi Dani Fitria Brilianti Darsono, Teguh DAYU, Wulan Defitranita, Defitranita Delima, Bella Deni Mulyana DENI SETIAWAN Dewi, Rina Dharma Putra, Ngurah Made Dian Aswita, Dian Diana Zuhroh Didik Aryanto Dikpride Despa Dikuraisyin, Basar Diningsih, Berliani Amanda Djafar, Djafar Djufri - Djumhur, Adang DM, Mohd. Yusuf Dwi Bambang Putut Setiyadi DWI YULIANTI Edy Setyawan edy susanto Effendi, Lutfiah Eka Apriani, Eka Eka Fitri, Ahriani Eka Nurdiana Eka, Andi Primafira Bumandava El Alim, Mubarok El Hakim, Muhammad Luqman EL RYIAD, KEVIN RIZQULLAH Ellianawati, Ellianawati Emawati, Imas Ratna Emha, Zidney Ilma Fazaada Eriana, Eriana Erianto, Ridho Erni Erni Erwansyah, Erwansyah Erwin SP, Muhammad ESEN PRAMUDYA UTAMA, ESEN PRAMUDYA Fachry. S., M. Fadhila Rahma, Tri Inda Fadhli, Rahmad Fadllan Fadllan Fahira, Adinda Permata Fahmadi, Aat Eska Faisal Abdullah Faisal Akbar Nasution Falaq, Fitrah Izul Faradlan, Ridwan Farhan, N.M . Fariyani, Qisthi Farumananda, Fatimah Primadian Fatiatun, Fatiatun Fatkhur Rohman Fatmasari, Hanindya Ranengtyas Fatmasari, Rini Fauzan , M. Fauzy Rachman, Dwi Febrianti, Ita Dwi Feriadi, Indra Fianti Fianti, Fianti Fibriarista, Ika FIRMAN, ARHAM JUNAIDI Fitri , Mulyana Fitri, Mulyana Fitria Akhyar Fitrianingsih, Nanda Fuad, Anisul Fuadi Fuadi Fuadi Tanjung, Ahmad Garini, Novia Ardhya Gatot Purwoto Ghani, Amirul Maalikul Gumilar, Eko Bayu Habib Ismail, Habib Hadi Susanto Haditiar, Yudi Hadiyaturrido, Hadiyaturrido Haeruddin Haeruddin Hafifuddin Haikal, M. Fikri Hairul Basri Halim, Muhammad Farid Halim Hana, Kharis Fadlullah Hanafi Nasution, M Mifta Handayani, Try Lisa Handika, Bayu Dwi Hani, Fildzah Hanifah, Anindya Hanifah, Desty Putri Hanifah, Wardah Harahap, Adrie Fahrezi Harahap, Agung Setiawan Harahap, Anhar Nurdiansyah Harahap, Muhammad Fadli Harahap, Muhammad Ikhsan Harahap, Nisa Pratiwi Harahap, Rahmat Daim Hardiyanto, Moh Hardiyanto, Mohammad Harefa, Yaaro Hari Bakti Mardikantoro Harianja, Lisa Rahmadani Haris Al Amin HARIYANTO HARIYANTO Harlian Kadir Harry Nenobais Hartono Hartono Harwadi, Harwadi Haryadi - Haryono Haryono Hasanuddin Hasanuddin Hasby, Muhammad Asrul Hasdiansah, Hasdiansah Hasibuan, Indra Mualim Hasni, Nur 'Ainiyyah Hasriani , Hasriani Hasriani Hasriani, Hasriani Hassan, Muhamad Sayuti Hasugian, Hotbin Hayati, Fanny Hendi, Hendi Hendra, Joni Henny Pratiwi, Henny Heri Widiantoro Herman Budiyono Herman Santjoko, Herman Hersulastuti, Hersulastuti Heru Subaris Kasjono, Heru Subaris Hidayati, Beti Malia Rahma Hikmah Endraswati Husna, Syarah Safira Hutagalung , M. Wandisyah R. Ibnudin Ibnudin, Ibnudin Ibrahim, Alan Maulana Malik Ichsan Setiawan Ichsani, Irtisyah Rifka Idah Hamidah Ika Novita Sari Ikhbar Nur Jiwanto, Ikhbar Nur Ikhsan, Imaddudin Ilham Ilham Ilhamy, M.Lathief Imas Ratna Ermawati, Imas Ratna Imastuti, Imastuti Imron Imron, Imron Imron, Syaiful Imsar, Imsar Inayah, Ariyanti Ipung, Heru Irani, Aruna Rara Irawati Irawati Irsal Ahmadi Siregar, Irsal Irsyad, Fairuz Azzahra Irwan Susanto Isa Isa Iskandar Muda Islami, Muhammad Mitsal Ismail, Abdurrozzaq Ismail, Ibnu Aly Isnandar Slamet, Isnandar Isnarto, Isnarto Isnarto, Isnarto Istiqomah, Gina Ajeng Istiqomah, Vina jalaluddin, wahyu Jalil HSB, Elaeis Guineensis Jaya, Herdi Wisman Jefik Zulfikar Hafizd Jimmy Jimmy Johan Johan JUBAEDAH JUBAEDAH, JUBAEDAH Julia Surya Juliannisa, Indri Arrafi Jumriani, Jumriani Junardi Junardi Junitasari, Junitasari Jusmani, Jusmani Kadariah , Siti Kallabe, Amirah Karin Anzukri, Syafira Karnain, Bambang Kartiwa Hadi Nuryanto Kartono , Khairani, Aska Khairun Nisa Khamim Khie Khiong Khiyaroh, Khiyaroh Kholiq, Achmad Khomsiyati, Siti Khumaedi - Kiftian Hady Prasetya Kismawiyati, Renalatama Kornelius Jepriadi Kriswanto Widyo, Kriswanto Kurnia, Wanda Hesti Kurniati, Toiba Kurniawati, Delta Ayu Kusmilawaty, Kusmilawaty Laila Nuranna Laksmi Asanti, Laksmi Laksono Trisnantoro Lala, Andi Laraswati, Farastika Laseari, Indah Laurens, Sebastianus Leliya Leliya Lesy Luzyawati Linda Retnowati Littik, Tenggudai Petronella Loka, Eka Hita Loliyana Loliyana Loria Stefani Salsabilla, Lusy Lubis, Ilham Akbar Lubis Lubis, Meysa Chairani Lubis, Nabilah Assyifa Lubis, Nurul Rafiqoh Lusmeilia Afriani M Nawawi, Zuhrinal M. Yahya M. Yasir Nasution, M. Yasir M. Zahari Maharani, Diana Eka Mahyudin Mahyudin Maidalena Maidalena, Maidalena Maimunah , Maimunah Majdi, Muhammad Kamal Majid, Shabri Abd Majid, Sinta Fadhilah Malay, Irvan Malik, Fery Maulana Manalu, Paris Manik, Febriyani Natari Marliyah, Marliyah Martin Martin Maryani Pandiangan, Windy Masdani, Masdani Maslichah, Dina Masrukhan, Masrukhan Masruri, Deden Masruroh, Nashihah Laila Masturi Masturi Matondang, Nurhafifah Maulana, Martono Maulizah, Rizlah Mauna, Randy Mawaddah, Anisa MB Nani Ariani Mhd Zulkifli Hasibuan Mindani Mindani Mohamad Ayubi, Dimas Mohamad Rana Mongi, Aprilia Cristin Yansen Mosik - Mudihartini, Lidya Mudinillah, Adam Mufida, Husna Noor Muhammad Alwi MUHAMMAD FAHMI Muhammad Fahreza W Muhammad Ilham Pakawaru Muhammad Irham Muhammad Lutfi Hakim Muhammad Luthfi Muhammad Muhlisin, Muhammad Muhammad Ramadhan Muhammad Ridwan Muhammad Rusdi muhammad Syahbudi, muhammad Muhammad Yafiz, Muhammad Muhammad Yasir Nasution, Muhammad Yasir Muhammad Zidni Ilman Nafiah Muis, Muhammad Muis, Sahribulan Mukti, Wiji Aziiz Hari Mulyana, Ahmad Nana Mahmur Munazah, Yuli Muntazah, Afwah Muqoyyanah, Muqoyyanah Musafir, Musafir Mustamin Mustamin Mustika, Marlinda Mustikasari, Asri Dewi Musyaropah, Musyaropah Mutiara, Ratna Muttaqin, Rodhotul Mutthaqin, Muhammad Satrya Mz, Muhammad Amanulloh N.S, Nuraeni Nafisah, Baiq Zuhrotun Nafisah, Baiq Zuhrotun Nagoya, Rocky Nainggolan, Annisa E. Najib, Afifun Najmi, Mohammad Ikmal Alif Nanda, I Wayan Satya Nani Kurnia, Nani Narto Narto, Narto Nasruddin Nasruddin Nasrullah Nasrullah Nasution, Inayatul Widad Nasution, Juliana Nasution, Junita Muharani Nasution, M Yasir Nasution, Muhammad Irwan Padli Nasution, Rizka Nasution, Siti Aminah Nasution, Yenni Samri Julianti Natadiwijaya, Ismail Fikri Nazmi, Luthfiah Negara, Erlangga Jaya Neonbeni, Randy Vallentino Ngalim, Fatkhul Ningati, Dinda Ayu Ningsih Damanik, Surya Nisa, Nur Ainun Niswah, Mir’atun Ni’mah, Ulfatun Noor Hidayah Noor, Randi Mauna Noor, Randy Mauna Novia Rahma Aulia Novitasari, Rahmi Dwi Noviyatun, Siti Nugraha, Titis Jati Nugraheni, Savira NUGROHO, ADRIYANTO ADHI Nur Ahmadi, Nur Nur Azizah NUR HAMID Nur, Novrizal Nuraisah, Iin Nurdin, Jurana Nurhasan Nurhasan Nurhidayati, Anisa Nurjaman, Amirudin Nurjanta, Nurjannah Nurkholis Nurkholis Nurmala Nurmala Nurmalytasari, Na'wa Nursafira, Alifta Nursidhi, Nursidhi Nursyamsuriana, Nursyamsuriana Nurul Atiqah, Siti Nurul Syaadah, Syiffa Nurwani Nurwani, Nurwani Okiyah, Okiyah Oktavia Sari, Fhara Oktavianto, Mario Olatunji, Abdul Rasheed Osman Ali PA Andiena Nindya Putri Pangaribuan, Roland Latarsa Pangesti, Kurnia Ika Pardede, M. Yaser Salim Permatasari, Futika Pohan, Syahrial Hasanuddin Pranata, Yogi Prasasti, Mevia Adysta Prasetyo, Stefanus Eko Pratama, Said Mirza Pratiwi, Azmi Fitria Prayogo, Irgi Pribadi, Joko Pristiansyah, Pristiansyah PUJI SULANI Pujosakti, Alex Pupung Purnamasari Purnama Sari, Eka Puspita, Salma Fajar Putra Rananda, Naufal Putra Utama, Andi Wahyu Putra, Jati Putra, Ngurah Made Darma Putra, Ngurah Made Dharma Putri, Maylina Prisca Putri, Natasya Adhitya Kusuma Putri, Sabila Tamimi Putro, Dimas Nugroho Putut Marwoto Rachman, Dwi Fauzi Rachmawati Rachmawati Radi Suradi Kartanegara Rafinanda, Rahma Rahayu, Dian Yuniar Syanti Rahayu, Endah F. Rahmadoni, Jefril Rahman, Silvani Rahmanda, Ruwina Rahmat Hidayat Rahmawati, Nadya Riyanti Rahmawati, Nurlaili Tri Rahmi Syahriza, Rahmi Ramadani, Feni Ramadhani, Aisyah Ramadhani, Khairunisa Ramadhani, Pawitrasari Mahestyas ramayani, Nurmisda Rambe, Masnum Ramdhani, Barkah Rangkuti, Ririn Anjani Rani Darmayanti Rani Puspita Ratna Sari , Mega Ratna Widyawati Razak, Ahmad Buchori Refianto, Eddy Renea Shinta Aminda Resmi Resmi Retno Wahyu Arian Sah Retno Wulandari Reza Faizal, Reza Rida Jelita Ridwan, Alfin Nur Rina Sriwati ristono, joko Riswanda Kurniawan, Dzaky Riswanda, Diva Putri Ritonga, Ali Mahadi Riza, Julianne Kamelia Rizal, Fahris Miftakul Rizaldy Pinzon Rizki Hardimansyah Rizky, Meitha Ghebrilla Rizqulloh, Raihan Zaki Robby, Rizka Rizqi Robert Napitupulu Rochmad - Rofiatul Zannah, Rofiatul Rohmah, Mimin Fatchiyatur Rohman, Allif Silfiyana Rohmana, Omay Rohmatin, Binti Lailatur Rois , Ibnu Rois, Ibnu Rojabiyah, Luluk Romadhoni, Fajri Rosianti, Elshi Elvira Rosmawati Rosmawati Rosmiati, Yatti Rosyadi, Rosyadi Royani, Sri Royhan Alihasim Hutapea Roziqin, Roziqin RR. Ella Evrita Hestiandari Rudy Haryanto Ruhizal Roosli, Ruhizal Rustandi, Roni S Ahamad, Mohd Sanusi Saadi, Anwar Sabrina, Rif’atun Sabrinasyah, Ajengesti Latifah Safitri, Sefira Uzha Safitri, Yani Devina Sahing, Abram Sahla, Hilmiatus Sahrodin, Sahrodin Salim Wijaya, Michael Samadi Samadi Sammana, Ikhsan Samsudin Samsudin Santosa, Monica Saparuddin Siregar Saprinal Manurung Saputra, Syifa Saragih, Ahmad Ripai Saragih, Albert Daniel Saragih, Geofani Milthree Sari, Nuraeni Nanda Sati Hana'an, Dea Sarah Serly, Serly setiawan, Dibyo Setiowati, Mei Sulis Setyaningsih, Natalia Erna Shafi’i , Imam Shelly, Vannesa Shoolihah, Muhayyijah Fil Qurbah Siagian, Salsabilla Siahaan, Asnidar Siddiqa, Heidi Simahatie, Mai Simanullang, Ratih Sipahutar, Ana Pahira Sirait, Frida Yanti Siregar, Irsal Ahmadi Siregar, Rizky Zulayha Siregar, Saparudin Siregar, Siregar Siregar, Zulhazzi Siswahyudianto Siti Alimah Siti Chairani Zahwa Siti Fatimah Siti Maysaroh Siti Wahyuni Sitorus, David Humala Sitorus, Indra Benny Soediantono, Dwi Soetanto, Maria Fransisca Soetomo, Mohammad A Sofi'ah, Saifuli Sofyan Hadi Solehudin, Solehudin Sopian Saori SOPIAN SAORI Sowiyah Sowiyah Sri Hardianti Sri Haryanti Sri Muryani, Sri Sri Puji Ganefati Sri Puji Ganefati Sri Subanti Sri Sulistyorini, Sri Srikandi, Gais Anisa Sriwahyuni, Eci St. Budi Waluya Suadiyatno, Taufik Suadiyatno, Taufik Subaris Kasjono, Heru Subkhan Subkhan Subkhi, Nur subur subur Sudarningsih Sudarningsih Sudirman Sudirman Sufyati HS Sugianto, Mutia Sugihartatik, Sugihartatik Sugiyanto - Suharto Linuwih Suharyanto Suhenda, Andi Sukamto Sukamto Sukiman Sukiman Sukiswo Supeni Edie, Sukiswo Supeni Sukma, Novita Riyati Sukmagati, Oktaviani Putri Sukmaningtiyas , Yanuarini Nur SUKOWATI, DWI Sulhadi - Sulistiyo Rini, Ari Sulistyani, Anis Sumanta, Sumanta Sumarsono, Robertus Sumilir, Sumilir Sunarno Sunyoto Eko Nugroho, Sunyoto Eko Suroyo Suroyo Surya Atmaja, Fajar Suryanti Sutadi Sutikno Sutikno Sutriana, Sutriana Sutrisno, Sutrisno Suwifania, Jihan Suyanti, Ririn Suzen, Zaldy Sirwansyah Syaadah, Syiffa Nurul Syaefullah, Syaefullah Syafi, Hendra Syafryadin, Syafryadin Syahraini, Syahraini Syakir, Ahmad Syakur*, Syakur Syamsuriana, Nur Syarbaini, Ahmad Muhaisin B Syifa Fauziah Rahmani, Nanda Tambunan, Khairina Tarmudi, Tarmudi Taslim, Wui San Tati Handayani, Tati Tawali, Tawali Teguh Prasetyo Tiarma Simanihuruk Tommy Maulidyanto, Muhammad Tri Isti Hartini, Tri Isti Tristiarto , Yoko Triyono Tuti Anggraini Tuti Anggraini TW, Nunuk Tyas Widyanti, Sekar Ubaidillah Ubaidillah Umi Aisyah, Umi Untari, Visensa Gerosa Citra Yuni Upik Nurbaiti Usman Usman Usman, Ernawati Usman, Khairul Usmiyatun Usyriyah, Laelatut Utami, Friska Dhian Utami, Rizky Ananda Utomo, Aditya Jusuf Utomo, Fadlillah Reo Vanessa, Delicia Venny Fraya Hartin Nst Vivi Vivi, Vivi Wahyu Hardyanto Wahyu Hidayat, Dwi Wahyu Santoso Wahyu Syarvina Wahyu Wibowo Wahyudi , Wahyudi Wahyudi Wahyudi Wahyudi, Sahidin Wahyudin, Faris Khoiri Waluya, S.B Wargo, Wargo Wasman Wasman, Wasman Wibowo, Ericha Lisa Widiyono, Eling Widodo, Hadi Widyanti, Sekar Tyas Wijaya, Ecin Wijayanti, Tatik Winarto, Anton Winita Sulandari Wiratna, Wiratna Wisetia, Adinda Wiwi Isnaeni Wiyanto - Wulandari, Ika Putri Wulandari, Isnain Yadi, Agus Yamin, N Yamtana Yamtana, Yamtana Yana , I Nyoman Bramastra Yanti Yanti Yanti, Tri Auri Yanuarini Nur Sukmaningtyas Yasiroh, Laeli Yasri, Norma Diana Yenita Roza Yesy Diah Rosita Yetty, Fitri Yoko Tristiarto Yuannisa, Rizka Adlia Yul, Yul Tito Permadhy Yulia Wati Yuliana, Eva Yuliyanto Yuliyanto Yunus, Muh Yusnar, Muhammad Yusnita Yamin, Nina Yusuf Setyadi Z, M Rizki Zahara, Soffa Zain, M. Rafli Zainur, Zainur Zaitun Zaitun Zaldy Kurniawan Zariansyah, Zariansyah Zebar, A Zhafirah, Azizah Zuhra, Sastri Aida Zukhronah, Etik Zulfitriyanto, Zulfitriyanto Zuraida Zuraida