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Ratih Kusumastuti

Universitas Jambi

Author-ID : 435969

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Automotive Engineering Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Environmental Science Health Professions Immunology & microbiology Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Mathematics Mechanical Engineering Nursing Public Health Social Sciences Transportation Other

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Pelatihan Manajemen Keuangan Rumah Tangga bagi Ibu-Ibu PKK di Kelurahan Olak Kemang sebagai Upaya Meningkatkan Ketahanan Ekonomi Keluarga Kusumastuti, Ratih; Sumarni, Sumarni; Hasanah, Nur; Masriani, Ida; Sam, Iskandar
Jurnal Pengabdian Masyarakat Bhinneka Vol. 4 No. 3 (2026): Bulan Februari
Publisher : Bhinneka Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58266/jpmb.v4i3.853

Kegiatan pengabdian kepada masyarakat ini bertujuan untuk meningkatkan pemahaman dan keterampilan manajemen keuangan rumah tangga bagi ibu-ibu PKK di Kelurahan Olak Kemang sebagai salah satu upaya memperkuat ketahanan ekonomi keluarga. Permasalahan yang dihadapi sebagian besar rumah tangga adalah rendahnya pencatatan arus kas, kurangnya perencanaan anggaran, serta lemahnya pengelolaan hutang dan tabungan sehingga berdampak pada kestabilan ekonomi keluarga. Melalui metode pelatihan interaktif, peserta diberikan materi tentang konsep dasar manajemen keuangan, penyusunan anggaran rumah tangga, strategi menabung, serta pengendalian pengeluaran sesuai prioritas kebutuhan. Kegiatan ini juga dilengkapi dengan praktik langsung pencatatan sederhana menggunakan format buku kas rumah tangga agar lebih mudah diaplikasikan dalam kehidupan sehari-hari. Hasil kegiatan menunjukkan adanya peningkatan pemahaman ibu-ibu PKK terkait pengelolaan keuangan secara bijak, munculnya kesadaran pentingnya disiplin dalam mencatat pengeluaran, serta kemampuan menyusun rencana keuangan keluarga secara lebih terarah. Dengan demikian, pelatihan ini diharapkan mampu mendorong kemandirian ekonomi keluarga, mengurangi kerentanan terhadap masalah finansial, serta membentuk pondasi ketahanan ekonomi keluarga yang lebih tangguh di tengah dinamika sosial ekonomi masyarakat.

Research Title: The Effect of Financial Risk on the Profitability of Manufacturing Companies Listed on the IDX in 2020-2024 Kharimah Murni; Achmad Hizazi; Ratih Kusumastuti
Nomico Vol. 2 No. 11 (2025): Nomico-December
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/25x3n345

This study analyzes the effect of financial risk, as measured by the Debt to Asset Ratio and Debt to Equity Ratio, on profitability (Return on Assets - ROA) in manufacturing companies listed on the Indonesia Stock Exchange during the 2020-2024 period. Using multiple linear regression with SPSS software on 95 observations, descriptive statistics show an average DAR of 0.3686, DER of 0.8498, and ROA of 0.0953. The results of the simultaneous test (F test) show a Sig. value of 0.000, indicating that DAR and DER together have a significant effect on ROA. The coefficient of determination (Adjusted R Square) of 0.289 indicates that 28.9% of the variation in ROA is explained by the model. Partially (t-test), DAR (X1) has a negative and significant effect (Sig. 0.000, coefficient -0.325) on ROA, while DER (X2) has a positive and significant effect (Sig. 0.000, coefficient 0.074) on ROA. These findings highlight the complexity of the relationship between financial risk and profitability in the manufacturing sector.

Risk Disclosure Level and Its Relationship with Profitability: A Study of Annual Reports of Companies in the Transportation Sector Almira Yumna Putri; Achmad Hizazi; Ratih Kusumastuti
Akuntansi dan Ekonomi Pajak: Perspektif Global Vol. 3 No. 1 (2026): Februari: Akuntansi dan Ekonomi Pajak: Perspektif Global (AEPPG)
Publisher : Asosiasi Riset Ekonomi dan Akuntansi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/aeppg.v3i1.1965

This study examines the relationship between risk disclosure levels and profitability in transportation companies listed on the Indonesia Stock Exchange (IDX) during the 2022–2024 period. The transportation industry is characterized by high exposure to operational, financial, regulatory, and market-related risks, which necessitates transparent and comprehensive communication regarding potential threats to business sustainability and long-term performance. Using a quantitative correlational approach, this study measures the level of risk disclosure through systematic content analysis of companies’ annual reports, while profitability is evaluated using the Return on Assets (ROA) indicator. The analysis is conducted to identify the extent to which transparent risk reporting contributes to improved financial outcomes. The findings indicate a significant positive relationship between risk disclosure and profitability, suggesting that companies providing more comprehensive and detailed risk information tend to achieve higher financial performance. Furthermore, the results demonstrate that transparency plays a crucial role in enhancing investor confidence, strengthening corporate governance, and supporting sustainable business practices, particularly in high-risk sectors such as transportation.

The Influence of Financial Literacy, Risk Tolerance and Return on Investment Decisions Among Capital Market Study Group Students at Jambi University Feby Anisya Nabila; Achmad Hizazi; Ratih Kusumastuti
Greenation International Journal of Economics and Accounting Vol. 3 No. 2 (2025): Greenation International Journal of Economics and Accounting (June - August 202
Publisher : Greenation Research & Yayasan Global Resarch National

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.38035/gijea.v3i2.395

This study examines the influence of financial literacy, risk tolerance, and return on investment decisions among Capital Market Study Group (KSPM) students at Jambi University. Using quantitative methods with multiple linear regression analysis on 73 respondents who are active KSPM members with investment experience, the results show that simultaneously, financial literacy, risk tolerance, and return significantly influence investment decisions (F = 17.032, sig. 0.000). Partially, risk tolerance has the most dominant positive and significant effect (B = 2.175, sig. 0.000), return also shows positive and significant effect (B = 1.578, sig. 0.003), while financial literacy shows no significant effect (B = -0.110, sig. 0.897). The research contributes to behavioral finance theory by demonstrating that psychological factors (risk tolerance) are more influential than cognitive factors (financial literacy) in student investment decisions.

The role of eco-enzymes in enhancing economic growth: the mediating effect of environmental sustainability in the hotel industry in Sumatra, Indonesia Iskandar Sam; Ratih Kusumastuti; Elly Indra Swari; Derist Touriano; Mifthahul Nurzanah
Jurnal Konseling dan Pendidikan Vol. 13 No. 4 (2025): JKP
Publisher : Indonesian Institute for Counseling, Education and Therapy (IICET)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29210/1184300

The pursuit of economic growth often generates environmental pressures, particularly within the hospitality sector, which is highly dependent on environmental quality. This study investigates the role of eco-enzymes in enhancing economic growth through environmental sustainability as a mediating mechanism in the hotel industry in Sumatra, Indonesia. This study adopts a quantitative explanatory research design using survey data collected from 615 general managers and duty managers of three- to five-star hotels across Sumatra. The data were analyzed using SPSS 26 through descriptive statistics, validity and reliability testing, classical assumption tests, and multiple regression analysis to examine both direct and indirect relationships among variables. The findings reveal that eco-enzyme adoption does not have a significant direct effect on economic growth. However, eco-enzymes have a significant positive effect on environmental sustainability, which in turn positively and significantly influences economic growth. These results confirm the mediating role of environmental sustainability, indicating that the economic benefits of eco-enzymes are realized indirectly through improved environmental performance rather than immediate financial outcomes. The study provides important practical implications for hotel managers and policymakers. Eco-enzyme adoption should be viewed as a strategic sustainability investment that strengthens environmental performance, enhances operational efficiency, and supports long-term economic growth. These findings contribute to the growing literature on sustainable hospitality management by empirically demonstrating the importance of environmental sustainability as a pathway linking green innovation to economic performance.

DIGITALISASI TRANSAKSI KEUANGAN SEBAGAI PENDORONG TATA KELOLA KEUANGAN UMKM: OPTIMALISASI PRODUKSI, MANAJEMEN DAN PEMASARAN DI KELURAHAN TAHTUL YAMAN, KECAMATAN PELAYANGAN, KOTA JAMBI Misni Erwati; Ratih Kusumastuti; Dica Lady Silvera; Dios Nugraha Putra; Sumarni Sumarni5
Jurnal Pengabdian Masyarakat: Pemberdayaan, Inovasi dan Perubahan Vol 4, No 6 (2024): JPM: Pemberdayaan, Inovasi dan Perubahan
Publisher : Penerbit Widina, Widina Media Utama

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59818/jpm.v5i6.2775

The community service program entitled “Digitalization of Financial Transactions as a Driver of MSME Financial Governance: Optimization of Production, Management, and Marketing in Tahtul Yaman Village, Pelayangan District, Jambi City” was conducted by a team of lecturers from the Faculty of Economics and Business, Universitas Jambi. This program aims to improve the financial governance of Micro, Small, and Medium Enterprises (MSMEs) through the digitalization of financial transactions to enhance operational efficiency and transparency. The implementation method employed a participatory approach consisting of socialization, training, mentoring, and evaluation stages. The training activities included the use of digital financial applications, digital-based transaction recording, and digital marketing strategies. The program involved 30 MSME actors in Tahtul Yaman Village as the main participants. The outcome measurement was conducted using pre-test and post-test to assess participants’ understanding, as well as observation and questionnaires to evaluate the level of digital system implementation in business activities. The results indicate significant achievements, with 80% of participants showing increased understanding of financial transaction digitalization, and 75% successfully implementing digital financial recording systems in their daily operations. In addition, improvements were observed in production management and digital marketing capabilities. The program also strengthened collaboration among MSME actors, local government, and academics in supporting a sustainable business ecosystem. The digitalization of financial transactions enhances transparency and accountability in MSME financial management, which in turn contributes to local economic growth. Overall, this program is expected to serve as a replicable model for improving MSME financial governance in other regions and to promote community welfare through more effective and efficient business management. ABSTRAKProgram pengabdian kepada masyarakat dengan judul “Digitalisasi Transaksi Keuangan sebagai Pendorong Tata Kelola Keuangan UMKM: Optimalisasi Produksi, Manajemen, dan Pemasaran di Kelurahan Tahtul Yaman, Kecamatan Pelayangan, Kota Jambi” dilaksanakan oleh tim dosen dari Fakultas Ekonomi dan Bisnis, Universitas Jambi. Kegiatan ini bertujuan untuk meningkatkan tata kelola keuangan UMKM melalui digitalisasi transaksi keuangan guna meningkatkan efisiensi operasional dan transparansi pengelolaan keuangan. Metode pelaksanaan program menggunakan pendekatan partisipatif melalui tahapan sosialisasi, pelatihan, pendampingan, dan evaluasi. Kegiatan pelatihan meliputi penggunaan aplikasi keuangan digital, pencatatan transaksi berbasis digital, serta strategi pemasaran digital. Program ini melibatkan sebanyak 30 pelaku UMKM di Kelurahan Tahtul Yaman sebagai peserta utama. Pengukuran hasil dilakukan melalui pre-test dan post-test untuk menilai peningkatan pemahaman peserta, serta observasi dan kuesioner untuk mengevaluasi tingkat implementasi sistem digital dalam kegiatan usaha. Hasil pelaksanaan menunjukkan pencapaian yang signifikan, dimana 80% peserta mengalami peningkatan pemahaman terkait digitalisasi transaksi keuangan, dan 75% peserta telah mampu mengimplementasikan sistem pencatatan keuangan digital dalam aktivitas usahanya. Selain itu, terjadi peningkatan kemampuan dalam pengelolaan produksi dan pemasaran berbasis digital. Program ini juga mendorong terbentuknya kolaborasi antara pelaku UMKM, pemerintah setempat, dan akademisi dalam mendukung pengembangan ekosistem bisnis yang berkelanjutan. Dengan adanya digitalisasi transaksi keuangan, transparansi dan akuntabilitas pengelolaan keuangan UMKM meningkat, yang pada akhirnya berkontribusi terhadap pertumbuhan ekonomi lokal. Program ini diharapkan dapat menjadi model replikasi bagi pengembangan tata kelola keuangan UMKM di daerah lain serta meningkatkan kesejahteraan masyarakat melalui pengelolaan usaha yang lebih efektif dan efisien.

PENERAPAN SISTEM INFORMASI AKUNTANSI BERBASIS ARTIFICIAL INTELLIGENCE UNTUK PREDIKSI CASH FLOW PERUSAHAAN Maulana Akmal Malik; Ratih Kusumastuti; Achmad Hizazi
Selodang Mayang: Jurnal Ilmiah Badan Perencanaan Pembangunan Daerah Kabupaten Indragiri Hilir Vol. 12 No. 1 (2026): Jurnal Selodang Mayang
Publisher : Badan Perencanaan Pembangunan Daerah Kabupaten Indragiri Hilir Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47521/selodangmayang.v12i1.536

The rapid development of Artificial Intelligence (AI) technology has significantly transformed accounting information systems, particularly in financial data processing and analysis. One of the most affected areas is cash flow prediction, which plays a crucial role in corporate financial planning and decision-making. This study aims to examine the effect of implementing an Artificial Intelligence–based Accounting Information System (AIS) on the accuracy of cash flow prediction in service and trading companies located in Bandung City, Indonesia. This research employs a quantitative associative approach. Data were collected through questionnaires distributed to 60 respondents, consisting of accounting staff, financial supervisors, and financial managers. The data were analyzed using simple linear regression analysis to examine the relationship between the implementation of AI-based AIS and cash flow prediction accuracy. The results indicate that the implementation of AI-based AIS has a positive and significant effect on cash flow prediction accuracy, with a significance value of 0.000 and a coefficient of determination of 46.2%. These findings demonstrate that integrating Artificial Intelligence into accounting information systems enhances the accuracy, timeliness, and reliability of cash flow forecasts. This study contributes to the accounting information systems literature by providing empirical evidence on the strategic role of AI in improving financial planning and decision-making processes. Perkembangan teknologi Artificial Intelligence (AI) telah membawa perubahan signifikan dalam sistem informasi akuntansi, khususnya dalam pengolahan dan analisis data keuangan. Salah satu area yang paling terdampak adalah prediksi arus kas (cash flow), yang berperan penting dalam perencanaan dan pengambilan keputusan keuangan perusahaan. Penelitian ini bertujuan untuk menganalisis pengaruh penerapan Sistem Informasi Akuntansi (SIA) berbasis AI terhadap akurasi prediksi arus kas pada perusahaan jasa dan dagang di Kota Bandung. Metode penelitian yang digunakan adalah kuantitatif dengan pendekatan asosiatif. Data diperoleh melalui penyebaran kuesioner kepada 60 responden yang terdiri dari staf akuntansi, supervisor, dan manajer keuangan. Teknik analisis data menggunakan regresi linier sederhana dengan bantuan analisis statistik. Hasil penelitian menunjukkan bahwa penerapan SIA berbasis AI berpengaruh positif dan signifikan terhadap akurasi prediksi cash flow dengan nilai signifikansi 0,000 dan koefisien determinasi sebesar 46,2%. Temuan ini membuktikan bahwa integrasi AI dalam sistem akuntansi mampu meningkatkan ketepatan, kecepatan, dan reliabilitas prediksi arus kas. Penelitian ini memberikan implikasi teoretis dan praktis terkait pentingnya adopsi teknologi AI dalam sistem akuntansi modern.

DAMPAK IMPLEMENTASI GOOD CORPORATE GOVERNANCE TERHADAP LAPORAN KEUANGAN MASJID (ANALISIS STUDI KASUS DIKOTA JAMBI) Nurohimah; Aurya Dewitri Angel Siboro; Ratih Kusumastuti
JURNAL EKONOMI BISNIS DAN MANAJEMEN Vol. 2 No. 1 (2024): Januari : JURNAL EKONOMI BISNIS DAN MANAJEMEN
Publisher : CV. ALIM'SPUBLISHING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v1i4.489

Masjid merupakan salah satu institusi keagamaan yang memiliki peran penting dalam kehidupan masyarakat. Sebagai lembaga yang menerima donasi dari masyarakat, masjid memiliki tanggung jawab untuk mengelola dana tersebut dengan baik dan transparan. Prosedur pencatatan keuangan masjid pada umumnya dilakukan secara manual dalam buku mutasi kas masjid atau menggunakan pencatatan single method. Salah satu cara untuk memastikan pengelolaan dana masjid yang baik adalah dengan menerapkan prinsip Good Corporate Governance (GCG) pada laporan keuangannya. Penelitian ini menggunakan metode kualitatif, yang dilakukan dengan cara observasi langsung, wawancara dengan pengurus masjid, dan analisis dokumen terkait.Masjid Baitul Hikmah Puri Kemajuan yang terletak di JL. Kemajuan, Desa Mendalo Darat, Kecamatan Jaluko, Kubupaten Muaro Jambi. Masjid ini berdiri pada tahun 1998 - Sekarang atas Prakarsa Alm. Prof. Sarkawi selaku Ketua panitia pembangunan yang waktu itu masih diberi nama Mushalla. Dana yang digunakan untuk membangun masjid ini berasal dari Alm. Prof. Sarkawi yang dihibahkan kepada masyarakat. Pencatatan laporan keuangan tahunan Masjid Baitul Hikmah Puri Kemajuan adalah pencatatan laporan keuangan sederhana, atau masih manual, yaitu hanya mencatat kas masuk dan keluar, dan laporan keuangan lebih terfokus pada laporan arus kas berdasarkan hasil wawancara dengan bendahara masjid. Penerapan Good Corporate Governance (GCG) yang baik memberikan dampak yang signifikan terhadap kualitas pelaporan keuangan masjid. Studi kasus di Masjid Baitul Hikmah Puri Kemajuan menunjukkan bahwa meskipun transparansi pengelolaan keuangan masjid sudah dilakukan dengan cukup baik, laporan keuangannya masih sederhana dan belum sesuai dengan standar PSAK No. 45. Oleh karena itu, penerapan GCG di masjid dapat meningkatkan kualitas laporan keuangan mereka.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59024/jise.v1i4.489

TAX SANCTIONS AS A MODERATION OF THE EFFECT OF TAX KNOWLEDGE AND ACCOUNTING INFORMATION ON COMPLIANCE MSME TAXPAYERS IN JAMBI CITY Anjelika Denya Putri; Ratih Kusumastuti; Imam Ripa’i
INTERNATIONAL JOURNAL OF ECONOMIC LITERATURE Vol. 3 No. 4 (2025): APRIL
Publisher : Adisam Publisher

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

In pursuit of enhancing tax revenues, particularly from micro, small, and medium enterprises (MSMEs) in Jambi City, fostering honesty, transparency, efficiency, effectiveness, and accountability in tax payment necessitates an analysis of factors influencing voluntary tax compliance among MSME owners. This study aims to investigate the impact of tax knowledge, accounting information, and tax sanctions on taxpayer compliance within the MSME sector in Jambi City. Employing a quantitative approach, this research encompasses a purposive sampling method, with a sample size of 40 respondents selected based on the population of MSMEs in Jambi City. Multiple regression analysis serves as the inferential statistical method for data analysis. Findings indicate that while tax knowledge exhibits no significant influence on taxpayer compliance, accounting information significantly affects compliance. Furthermore, the joint effect of tax knowledge and accounting information significantly influences taxpayer compliance. However, tax sanctions do not moderate the relationship between tax knowledge and taxpayer compliance, whereas they do moderate the impact of accounting information on compliance

Co-Authors A.A. Ketut Agung Cahyawan W Abdilla Rungki P Abdilla Rungki P Abdurrahman, Rezi Abdurrohim Abdurrohim Achmad Hizazi Achmad Hizazi Adib, Adib Asyraf adin, Farhan Adin Saputra Adinata Kurnia Putra Adinata Kurnia Putra Adisti Wulandari Adrian Dimas Pratama Afriantoni Afriantoni Afriantoni Afriza, Afriza Afrizal Afrizal Afrizal Agnes Soukotta Agung Soeharto, Muhammad Agus Kurniawan Dly Agustian Zen Agustinus Nicolas Saputra Ahmad Amri Firdaus Ahmad Mukhlis, Ahmad Alfajri, Danil Alif Al Ghifari Pulungan Alika Ragnavilia Aphrodite Almira Yumna Putri Alvin Andika Putra Alviony Intania Andang Fazri Andi Uliyanti Andini, Sri Angelin, Devna Callista Anggraini, Atika Anisa Nainggolan Anjarsari, Putri Salsa Anjelika Denya Putri Anjelika Denya Putri Annisa Rahmadhani Apriani, Tari Apriyanto Sinuhaji Ariny Asyhari Ariny Asyhari Arjang Arjang Arya Satria Arzali Atar Satria F Aulia Suci Rahmadani Aurin, Rizkiza Aurya Dewitri Angel Siboro Ayudia Febrihartini Azhar Ibrahim Bambang Ismaya Bangkit Hamonangan Simangunsong Bobi Sadli Boki Anggara Cakranegara, Pandu Adi Cherlita Anjani Chintiya Mayliana Christine Yosephine Ginting Cindy Shelomita Cipto Wijaya Dada Suhaida Danil Alfajri Dea Agung Nugraha Dea Putri Anggraini Dea Putri Anggraini Dedy Setiawan Dedy Suryadi Derist Touriano Derist Touriano Derist Touriano Derist Touriano Derist Touriano Derist Touriano Derist Touriano Derist Touriano Derist Touriano Desy Safitri Dewi Fitriyani Dewi Sutra Dian Octama Putra Dica Lady Silvera Diksi Metris Dinda Agung Trisna Dini Martinda Lestari Dion Pramudana Dista Anggini Disya Yuke Farhana Ditha Yolanda Ramadhani Dri Asmawanti Edgar, Gabeando Edo Agus Pratama Egi Rodlia Fitri Ekbal Santoso Eko Prasetyo Elly Indra Swari Endang Fatmawati Enggar Diah Puspa Arum Erma Yani Ester Salsanabila Jipa Ester Salsanabila Jipa Eva Setia Rini Damanik Fadhilah, Afifah Nurul Fadila, Nazhira Farid Ardyansyah Fatmawati Fatmawati Fauzan, Fikri Haiqal Al Febrianty, Erica Febrila, Ariqo Feby Anisya Nabila Fenni Juniati Manurung Ferinluary, Fadila Fernadi Abi Wijaya Fitri Setya Ningrum Fitriani Fitriani Fitrini Mansur Fitrini Mansur FRANCO BENONY LIMBA Fredy Olimsar FRIYANI, RITA Glisina Dwinoor Rembulan Gowon, Muhammad Guna, Rian Adi Gustina, Azira Annisa Nelya Habib Riziq Alkeimi Habiba Diva Amelia Hafiz Assiddiqi Hakima Maris Hakima Maris Halalika Masyruro Hanif, Ikhdan Fatih Hanifah, Alya Hany Putri Br. Sitanggang Hari Anugrah Haryadi Hasbi Ashshiddiqi Hazman Tharis Hendra Railis Hendri Hermawan Adinugraha Hendri Syahputra Heriyani, Heriyani Hernando, Riski Herwinda Astrina Hizazi , Achmad I KETUT KUSUMA WIJAYA Ida Masriani, Ida Ida Rosinta Ikhdan Fatih Hanif Ikhdan Fatih Hanif Ilham Wahyudi Imam Ripa’i Imam Ripa’i Indah Maharani Putri Indra, Salsabila Ardelia Inggrit Syahla Octalin Irgi Sahrinra Isbul Waton Iskandar Sam Iskandar Sam Iskandar Sam Jabida Latuamury Jaiyanti Jaiyanti Jipa, Ester Salsanabila Juantara, Billy Akbar Jusmarni, Jusmarni Kartika Malika Putri Kartika Sari Khanifah, Nur Kharimah Murni Kholifah Kholifah Klemens Mere Kurnia, Triono Aries Kurniawan, Rafmil Kurniawati, Rizki Laga, Anastasya Lailia Rahmawati Latresia Aprilia Br. Sitepu Lestari, Rinda Liana, Jenny Lilis Wahyu Ningsih Lindawati Kartika Lismawati Livitri Sri Yunita Sari Lovia Nur Puspita Lovia Nur Puspita Lovinza Lovinza Luluq il Jannah Luluq il Jannah Lutfi Lutfi Lutfi Lutfi Luthfi Luthfi, Luthfi M Rapi Saputra M Rapi Saputra M. Ihsan Dacholfany M. Khairun Najmi Ali M. Rapi Saputra M. Rizal Dika Putra M. Tio Riyando M. Tio Riyando Maisyarah, Nyimas Dian Maria Cristina Raja Maulana Akmal Malik Maulana Zulma, Gandy Wahyu Mekar Meilisa Amalia Mifthahul Nurzanah Mifthahul Nurzanah Mimi Sintia Nodera Misni Erawati Misni Erwati Mohammad Imron Mohammad Imron Mokhtar, Widad Yuliawati Muhammad Ali Najib Muhammad Febriansyah Muhammad Firdaus Saputra Muhammad Lukman Hakim Muhammad Raghib Ardianto Muhammad Ridwan Muhammad Ridwan Muhammad Ridwan Muhammad Riyan Fahlefi Muhammad Syahratul Ikhsan Muhammad Syahratul Ikhsan Muhardi Achmad Muhsin Muhsin Mukhzarudfa Mukhzarudfa Mukhzarudfa Mukhzarudfa Mukhzarudfa Mukhzarudfa Mukhzarudfa Mukhzarudfa Mukhzarudfa Mukhzarudfa Mukhzarudfa Mukhzarudfa Mukhzarudfa Mukhzarudfa, Mukhzarudfa Mulyono S. Baskoro Musdalifa Musdalifa Muthmainah Mursidin Muthmainnah Mursidin Mutiara Kinanti Mutiara Kinanti Mutiara Rahmi Nada Salsabila Nany Anggriany Natasya Febrina Nazipah Putri, Wiwik Nela Safelia Nelsi Adryana Netty Herawaty NI PUTU AYU KARTIKA SARI DEWI Nico Afrizela Nieko Siregar Ningsih, Novitta Ningtyas, Arie Dea Nisriinaa Faihaa Farhha Azwar Novi Rahmadani Novrianti, Ning Intan Nur Hasanah Nur Sangkut Nuridha Matiin Nurlia Nurnadia Nurohimah Nurul huda Nurul Tsalatsa Azizah Nurul Tsalatsa Azizah Ocha Ananda OKta, Okta Adi Saputra Ozi Saifirman S Paula Agustina Sitorus Prasetiyo, Shidiq Lanang Prasetyo, Primadi Pratama, M Aditiya Pratenta, Christian Prihastuti, Asepma Hygi Primadi Prasetyo Puan Maharanti Puspita, Deta Puti Nursitaning Kusuma Wardani Putra, Dios Nugraha Putri Afrilia Putri Amelia Mailensun PUTRI HANDAYANI R. Irma Rachmawati, R. Irma Rachman, Al Dzahabi Rachmani, Diah Ayu Rahayu Rahayu Rahayu Rahayu Rahayu Rahma Deni Putri Haimda Rahma Riskiyah Cahyani Rahmadina Rahmadina Rahmadina Rahmadina Rahmat Da’i Raja Sharah Fatricia Rani Amalia Rani Nur Az-zahra Osman Rara Rara Ratu Munawarah Reni Indah Kurnia Reni Yustien Resame Putri Retha Tesalonika S Revina Zahara Ricgo Putra Andalas Riesna Apramilda Rifal Dwi Putra Rifal Dwi Putra Rifka Lusiana Sinurat Rifki Abdul Malik Riko Mersandro Permana Rinda Lestari Rini Oktaviani Putri Riski Hernando Riszki, Riszki Rita Friyani Riwayatiningsih, Rika Rizal Syafiie, Moh. Rizky Ramadhan Rodisna Marselin Sitompul Rts Dheby Dwi Thamara Rudy Haryanto Rusadi, Lia Atthahira Sabina Dewanda Putri Safitri, Yulia Sahrani Amalia Saipul Al Sukri Salman Jumaili Salsa Vonni Indrayani Sam, Iskandar Sarah Sinadela Sari Dewi, Ni Putu Ayu Kartika Sari, Dwi Rahmita Sarni Handayani Puspita Sari Satyaningrum, Dewanti Dwi Selia Meilantika Sevia Pasaribu Silvy Sondari Gadzali Sintia Marselina Sintya Dame Kristin S Siswahyudianto Sitepu, Latresia Aprilia BR Siti Sarra Siti Umami Khikmah Sitorus, Paula Agustina Sitti Nur Alam Soehadi, Imam Sohabat Nasuha Somad, Tiara Risonia Sonia, Reiny Erica Sri Andini Sri Devi Andriani Sri Handayani Sri Mulyono SRI RAHAYU Sri Rahayu Sri Rahayu Sri Rahayu Sri Wahyuni Sri Widiyati Sry Rosita Steven Wilsen Suci Mulyani Sudadi Suhardi Suhardi Suhardi Suhardi Sukini Sukini SUMARIYATI, RINA RUSDIANA Sumarni Sumarni Sumarni Sumarni Sumarni5 Sumarsid Sumarsid Surachman Surachman Suryati Suryati Susfayetti Syafira Ramadhani Syahmardi Yacob Syamsu Rijal Tanti Widia Nurdiani Taufiq Akbar Dewi Fidrdaus Taufiq Akbar Dewi Firdaus TEGAR ZAKI HANAFI Tegar Zaki Hanafi Tegar Zaki Hanafi Teguh Setiawan Wibowo Tiar Natalia Simarmata Tirza Venisia Sinambela Titania Nurul Haliza Tri Agil Azhari Tri Candra Anggraini Triadhi, Joko Triono Aries Kurnia Tumiar Deliana Gultom Uju Ulhaq, Dhiya Uli Budi Yanti S Umi Hidayati Villya Marsheela Putri Vivi Indah Sari Wahyono Wahyono Wahyu Safittri Wahyu Wiguna Warda Mumtaza Warda Mumtaza Wardani, Puti Wasti Margaretha, Widya Wendy Wenaldo Widad Yuliawati Mokhtar Widakso, Mochamad Badar Ranu Widya Ayu C Widya Sari Wendry Windi Rahayu Setia Ningsih Wiralestari, Wiralestari Wirmie Eka Putra Wiwik Tiswiyanti Wiwik Tiswiyanti Wiwik Tiswiyanti Wiwik Tiswiyanti Wiwik Tiswiyanti Yayuk Suprihartini Yeremia Lie Yono Yomivin Varel Hendayana Yosfian Capriranda Aji Yudi Yudi Yudi Yuliana Yuliana Yuliusman - Yumiza Aprilia Putri Zaimah Zaimah Zakwan Zahran Zikral, Zikral Zulma, Gandy Wahyu Maulana

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