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All Journal Jurnal Manajemen Terapan dan Keuangan HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal EMT KITA JURNAL LENTERA : Kajian Keagamaan, Keilmuan dan Teknologi Jurnal At-Tibyan: Jurnal Ilmu Alqur’an dan Tafsir Ganaya: Jurnal Ilmu Sosial dan Humaniora AT-TURAS: Jurnal Studi Keislaman Buletin Ilmiah Nagari Membangun Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance MABIS: Manajemen dan Bisnis Jurnal Living Hadis Academy of Education Journal JPEK (Jurnal Pendidikan Ekonomi dan Kewirausahaan) Profit : Jurnal Kajian Ekonomi dan Perbankan Syariah SERAMBI: Jurnal Ekonomi Manajemen dan Bisnis Islam Jurnal Sains dan Teknologi Ilomata International Journal of Management Jurnal Ilmiah Akuntansi Kesatuan SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL JEKPEND Jurnal Ekonomi dan Pendidikan Aghniya: Jurnal Ekonomi Islam Dinasti International Journal of Economics, Finance & Accounting (DIJEFA) Ilomata International Journal of Management Quantitative Economics and Management Studies Management of Zakat and Waqf Journal (MAZAWA)) International Journal of Finance Research Journal La Sociale International Journal of Multi Discipline Science (IJ-MDS) JURNAL MANAJEMEN AKUNTANSI (JUMSI) Humantech : Jurnal Ilmiah Multidisiplin Indonesia INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Journal of Indonesian Management Islamiconomic: Jurnal Ekonomi Islam MAP Observer: Jurnal Penelitian Administrasi Publik Balance : Jurnal Akuntansi dan Manajemen Jurnal Ilmiah Multidisiplin (JUKIM) Bursa : Jurnal Ekonomi dan Bisnis Educational Journal of Islamic Management (EJIM) Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Islamic Economics Lariba Jurnal Ekonomika Manajemen Dan Bisnis Moneter : Jurnal Keuangan dan Perbankan Electronic Journal of Education, Social Economics and Technology Innovative: Journal Of Social Science Research Jurnal Sosial, Politik dan Budaya (SOSPOLBUD) Journal of Economics and Management Scienties GEMAH RIPAH: Jurnal Bisnis Journal of Education Religion Humanities and Multidiciplinary IIJSE Baashima: Jurnal Bisnis Digital, Akuntansi, Kewirausahaan, dan Manajemen Majapahit Journal of Islamic Finance dan Management El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Majapahit Journal of Islamic Finance dan Management Nuansa: Jurnal Penelitian Ilmu Sosial dan Keagamaan Islam JER Hudan Linnaas: Jurnal Ilmu Sosial dan Humaniora Al-bank: Journal of Islamic Banking and Finance Journal of Ekonomics, Finance, and Management Studies INOVASI: Jurnal Ekonomi, Keuangan, dan Manajemen Jurnal Studi Islam dan Sosial Jurnal Ekonomi dan Bisnis
Rahmi Syahriza, Rahmi
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Physics Public Health Social Sciences Veterinary Other

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Strategy for Developing MSME’s Products through Halal Certification Labels in Batu Bara Regency Hidayat Nasution, Muhammad Taufik; Syahriza, Rahmi; Fadhila Rahma, Tri Inda
Management of Zakat and Waqf Journal (MAZAWA) Vol. 7 No. 2 (2025): Management of Zakat and Waqf Journal (MAZAWA)
Publisher : Universitas Islam Negeri Sunan Ampel Sunan Ampel

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/mzw.2025.7.2.173-198

Abstract

This study analyzes the product development strategies of MSMEs in Batu Bara Regency through the improvement of halal certification status. MSMEs are a key component of the country's economic growth, especially in terms of increasing the competitiveness of local products and community welfare. Trust in MSME products tends to decline due to unguaranteed processes and quality. Emphasizing the importance of product legality and the application of sharia values in business activities, this study aims to examine the development strategies of MSMEs in Batu Bara Regency that have obtained halal certification. A descriptive qualitative methodology was used to obtain objective interview results. Interviews were conducted with MSME actors and authorities. The research findings show that the sustainability of halal MSMEs is influenced by external elements (opportunities and threats) and internal elements (strengths and weaknesses), which were identified through SWOT analysis. Based on the calculation findings, MSMEs are in quadrant II (Strengths–Threats) of the Cartesian SWOT diagram with an IFAS score of 3.11075 and an EFAS score of 3.31712. The ST strategy, which maximizes internal strengths to overcome various external challenges, including company competition and certification process barriers, is the best step in this case. Halal certification has been proven to strengthen the ability to build consumer trust, improve product quality, and open new markets, which helps MSMEs become more sustainable and competitive.
Village Program Strategy in Minimizing the Negative Impact of Online Gambling Influenced by Influencers on Mental Health and Finances in Simpang Empat Village Fauzi, Said Ihsan; Syahriza, Rahmi; Suhairi, Suhairi
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.343

Abstract

Online gambling, influenced by social media influencers, has become a serious problem in many rural communities such as Simpang Empat Village. The impact of this gambling activity is not only limited to the economic aspect but is also significant in affecting the mental health of village residents. This research aims to identify program strategies that can be used by village governments to minimize the negative impacts of online gambling. The research method used was in-depth interviews with community leaders, village residents who were directly affected, and also social observers. Data was analyzed using a qualitative approach to describe different views and experiences regarding online gambling and the influence of influencers. The results highlight the importance of collaboration between village governments, and communities in developing sustainable solutions to combat online gambling and raise awareness of the risks associated with this activity. Online gambling has become a significant problem in many communities, including villages, with widespread economic and psychological impacts. It is hoped that this research can contribute to developing sustainable policies and intervention strategies to reduce the prevalence of online gambling and mitigate its impact on the mental health and finances of rural communities. By implementing appropriate program strategies, it is hoped that we will be able to create a safer and more supportive environment for economic development and mental well-being in Simpang Empat Village.
Determinants of Public Intention to Participate in Digital Waqf Using the Theory of Planned Behavior with Trust in the Indonesian Waqf Board as a Moderating Variable Tanjung, Ayu Wulandari S.; Nasution, Yenni Samri Juliati; Syahriza, Rahmi
JHSS (JOURNAL OF HUMANITIES AND SOCIAL STUDIES) Vol 9, No 2 (2025): Journal of Humanities and Social Studies
Publisher : UNIVERSITAS PAKUAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33751/jhss.v9i2.12794

Abstract

This study investigates the determinants of public intention to participate in digital waqf through the lens of the Theory of Planned Behavior (TPB), with trust in the Indonesian Waqf Board (BWI) serving as a moderating variable. The analysis explores four key factors: attitude, subjective norms, perceived behavioral control, and trust in digital waqf management institutions. A quantitative approach employing Partial Least Squares–Structural Equation Modeling (PLS-SEM) was applied. Data were collected via questionnaires distributed to 200 Muslim respondents in North Sumatra Province. The findings indicate that attitude, subjective norms, perceived behavioral control, and trust significantly and positively influence the intention to engage in digital waqf. Moreover, trust was found to moderate the relationships between attitude and intention, as well as perceived behavioral control and intention, but not between subjective norms and intention. These results underscore the pivotal role of trust, alongside psychological factors, in strengthening public willingness to contribute to digital waqf. The study’s implications highlight the need to enhance digital waqf literacy, ensure transparent governance, and reinforce BWI’s role in fostering public trust. Such measures are expected to boost community participation in digital waqf, particularly in North Sumatra, thereby advancing Islamic philanthropy and the Islamic economy in Indonesia.
IMPLEMENTATION OF A WAREHOUSE MANAGEMENT SYSTEM (WMS) TO IMPROVE OPERATIONAL EFFICIENCY Rezeki, Sri Gusti; Syahriza, Rahmi; Nurbaiti, Nurbaiti
JURNAL PROFIT Vol 9, No 1 (2025): Economic And Development
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v9i1.12668

Abstract

This study aims to analyze the implementation of Genesis, Lion Parcel's internal Warehouse Management System (WMS), in enhancing operational efficiency at the Gunung Krakatau Branch in Medan. The research method used is descriptive qualitative with a case study approach. Data was obtained through direct observation, semi-structured interviews with warehouse and operations staff, as well as internal company documentation. The research findings indicate that the implementation of Genesis has had a positive impact on several efficiency indicators, including faster sorting processes, improved stock recording accuracy, reduced human error, real-time data access, and enhanced operational reporting quality. The system has also contributed to a significant decrease in customer complaints. However, the implementation of Genesis also faces several challenges, such as human resource adaptation to new technology, reliance on internet connectivity, and the need for updated standard operating procedures (SOPs). Overall, the Genesis system holds great potential to be further developed as part of Lion Parcel's digital transformation in logistics management. Its implementation not only improves operational efficiency at the branch level but can also serve as a strategic digitalization model to be widely applied throughout the company’s distribution network.
Product Excellence in Islamic Financing at Bank Pembiayaan ‎Rakyat Syariah (BPRS) Al-Washliyah Medan Sabila, Sarah; Syahriza, Rahmi; Harianto, Budi
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.619

Abstract

The growth of Islamic banking in Indonesia has encouraged the emergence of various ‎financing products with competitive advantages compared to conventional banking. ‎One such example is the Bank Pembiayaan Rakyat Syariah (BPRS) Al-Washliyah Medan, ‎which offers a wide range of products based on Islamic contractual principles (akad ‎syariah). This research stems from the need to understand the distinctive advantages of ‎Islamic financing products offered by the bank and to assess the factors influencing ‎customers’ preferences for specific products. The study employs a qualitative method ‎with a field research approach. Primary data were obtained through interviews with ‎BPRS Al-Washliyah Medan employees, while secondary data were collected from ‎supporting documents and relevant literature. The aim of this study is to analyze the ‎strengths of Islamic financing products at BPRS Al-Washliyah Medan—particularly ‎those based on contracts such as murabahah, mudharabah, musyarakah, ijarah, qardh, ‎salam, and istisna—and to explore the factors shaping customer preferences for these ‎products. The findings reveal that murabahah is the most preferred product due to its ‎installment certainty and simple procedures, while other products such as mudharabah ‎and musyarakah are perceived as more complex. Flexibility, transparency, and spiritual ‎value grounded in Islamic principles have been proven to enhance customer trust. The ‎contribution of this research lies in providing insights for Islamic banking practitioners ‎in developing product strategies and serving as an academic reference to strengthen ‎the literature on customer preferences for Islamic financing products at the local level.‎
Product Excellence in Islamic Financing at Bank Pembiayaan ‎Rakyat Syariah (BPRS) Al-Washliyah Medan Sabila, Sarah; Syahriza, Rahmi; Harianto, Budi
Majapahit Journal of Islamic Finance and Management Vol. 5 No. 4 (2025): Islamic Finance and Management
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/mjifm.v5i4.619

Abstract

The growth of Islamic banking in Indonesia has encouraged the emergence of various ‎financing products with competitive advantages compared to conventional banking. ‎One such example is the Bank Pembiayaan Rakyat Syariah (BPRS) Al-Washliyah Medan, ‎which offers a wide range of products based on Islamic contractual principles (akad ‎syariah). This research stems from the need to understand the distinctive advantages of ‎Islamic financing products offered by the bank and to assess the factors influencing ‎customers’ preferences for specific products. The study employs a qualitative method ‎with a field research approach. Primary data were obtained through interviews with ‎BPRS Al-Washliyah Medan employees, while secondary data were collected from ‎supporting documents and relevant literature. The aim of this study is to analyze the ‎strengths of Islamic financing products at BPRS Al-Washliyah Medan—particularly ‎those based on contracts such as murabahah, mudharabah, musyarakah, ijarah, qardh, ‎salam, and istisna—and to explore the factors shaping customer preferences for these ‎products. The findings reveal that murabahah is the most preferred product due to its ‎installment certainty and simple procedures, while other products such as mudharabah ‎and musyarakah are perceived as more complex. Flexibility, transparency, and spiritual ‎value grounded in Islamic principles have been proven to enhance customer trust. The ‎contribution of this research lies in providing insights for Islamic banking practitioners ‎in developing product strategies and serving as an academic reference to strengthen ‎the literature on customer preferences for Islamic financing products at the local level.‎
Analysis of the Implementation of Good Corporate Governance (GCG) Principles to Improve Service Quality at Bumiputera Syariah Life Insurance Company Putri, Indry_Anggraini; Syahriza, Rahmi; Rahma, Tri Inda Fadhila
International Journal of Finance Research Vol. 4 No. 4 (2023): International Journal of Finance Research
Publisher : Training & Research Institute - Jeramba Ilmu Sukses (TRI-JIS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47747/ijfr.v4i4.1603

Abstract

In the case of PT AJB Bumiputera 1912, special restrictions are needed because insurance is different from a business established as a PT. This is where the difference is clear: in a PT, this is not always the case, but in a joint venture, the policy will inevitably also seek company investors. This feature involves legal risks as it requires each investor to accept liability for the company incurring losses. As a result, AJB Bumiputera's policyholders are responsible for any business activities that contain the risk of loss and are entitled to a portion of the company's income. The implementation of good corporate governance (GCG) at AJB Bumiputera is the subject of this research. The research method used in this study is qualitative. The findings of this study show that although AJB Bumiputera has tried to implement GCG principles (such as accountability, openness, and fairness), AJB Bumiputera has not implemented it optimally, in other words, the implementation has not been effective.  
INTEGRATING QUR'ANIC ETHICS WITH SDGS: A THEMATIC STUDY OF SURAH AL-BAQARAH VERSES 30 AND 275-279 Sari, Nurma; Tarigan, Akmal; Syahriza, Rahmi; Fauziah, Cut
Jurnal At-Tibyan: Jurnal Ilmu Alqur'an dan Tafsir Vol 10 No 1 (2025): Volume 10 No. 1 June 2025
Publisher : The Department of the Qur'anic Studies, Faculty of Ushuluddin, Adab, and Da'wah, State Institute of Islamic Studies (IAIN) Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32505/at-tibyan.v10i1.10846

Abstract

The Qur'an as a guide to life for Muslims offers universal guidance that covers various aspects of life, including economic development and social sustainability. Surah Al-Baqarah verse 30 and verses 275-279 are ethical theological foundations in building governance that is fair, sustainable, and free from economic injustice. The Qur'anic approach to human development is not only normative but also provides practical solutions. The prohibition of usury, the recommendation of zakat, infaq, sadaqah, and human responsibility as khalifah are integral mechanisms to create inclusive and sustainable development. Therefore, this study aims to examine the relationship between the values contained in Surah Al-Baqarah verses 30 and 275-279 with the goals of SDGs by using a thematic interpretation approach. The results show that achieving the SDGs requires the integration of spiritual values, as taught in the Qur'an, to complement technical and economic approaches. Therefore, the Qur'an can be the main reference in addressing various global issues through a holistic approach that incorporates ethics.
The Influence of Public Literacy Level, Brand Image, and Service Quality on Customer Satisfaction in Life Insurance Products: A Case Study of the PT Prudential Prestasi Agency Binjai Irawan, Deni; Nasution, Juliana; Syahriza, Rahmi
Electronic Journal of Education, Social Economics and Technology Vol 6, No 2 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i2.1148

Abstract

This study will look at how public literacy, brand image, and service quality affect customer satisfaction at PT Prudential Prestasi Agency Binjai. A quantitative method was used, with 60 respondents completing surveys and evaluating the data using Partial Least Squares Structural Equation Modeling (PLS-SEM) with SmartPLS software.  The findings demonstrate that public literacy and service quality have a favorable and considerable impact on consumer satisfaction, whereas brand image has no meaningful influence.These findings show that financial awareness and service experience are more important in determining happiness than brand impression alone. The practical implication emphasizes the need to enhance financial education and optimize customer service quality to strengthen loyalty and improve overall satisfaction within the insurance industry.
Tinjauan Maqashid Syariah terhadap Penyelesaian Klaim Produk Asuransi Jiwa Brilliance Hasanah Sejahtera di PT. Sun Life Financial Indonesia Cabang Medan Indriani, Rizki; Sudiarti, Sri; Syahriza, Rahmi
El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam Vol. 4 No. 6 (2023): El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/elmal.v4i6.303

Abstract

This study aims to determine the process of resolving claims for the Brilliance Hasanah Sejahtera product and to review it from the Maqashid Syariah aspect. The type of research used is descriptive research with a qualitative approach, namely research that provides an overview of the situation being studied in the form of a narrative description. The conclusion of this study is that the settlement of Brilliance Hasanah Sejahtera life insurance claims is in accordance with the specified conception which consists of notification of claims, submission of claim files, investigation of claim files, and payment of claims. Then in the process of settlement of Brilliance Hasanah Sejahtera life insurance claims in terms of maqashid sharia aspects, PT Sun Life Financial Indonesia Medan branch has realized maqashid sharia in the aspects of hifzh ad-din (property protection) and social benefit. The forms of hifzh ad-din (property protection) in the settlement process for Brilliance Hasanah Sejahtera life insurance claims at PT Sun Life Financial Indonesia Medan branch are: the false. Second, the management of claim funds in the form of tabarru funds is issued with sharia values ​​and does not contain elements of usury. Third, the administration of fund claims can be quickly provided to customers because the investigation of claims submission is carried out in a fast, responsive and strict procedure so that handling feels safe for customers and the company. And fourth, claims for payment of funds are made by transferring to each customer's account, so there is no need to worry about fraud or elements of gharar. However, the hifzh ad-din (property protection) aspect in the claim settlement process cannot be separated from other aspects of maqashid sharia which include hifzh ad-din (religious protection), hifzh an-nafs (life protection), hifzh al-aql (protection of reason) and hifzh an-nasl (protection of offspring) because all aspects of maqashid sharia influence one another. In the realization of the benefit of the existing maqasyid sharia values, the level lies at the first level, namely dharuriyat. Keywords : maqashid syariah, claims, life insurance, brilliance hasanah sejahtera.
Co-Authors Abdul Rahman Addina, Chessara Afriani, Lilia Ahmad Syakir Alfauziah, Halimah Safitri Amini, Salisa Andiyanto, Sakti Anggela Pradiva Putri Anggrie NST, Silvia Aprilia, Dita Aqilah, Rakha Arifin Fauzi Lubis Ariska, Ella Arsyaf Tampubolon Aryani, Isti Asrar Mabrur Faza, Asrar Mabrur Atika, Febri Aulia, M. Azhari Akmal Tarigan Batubara, Maryam Batubara, Soraya Alyya Syam Budi Harianto, Budi Chairane, Chairane Cut Fauziah Dalimunthe, Afifah Khairiah Daniel Happy Putra Deni Irawan, Deni Dhian Rosalina, Dhian Dongoran, Rahmah Nur Efriady Siregar, Sahnan Elida Asma Hari, Siti Nur Ernawati, Erin Fachrina, Rifka Fachrozie, Ridho Fachry Abda El Rahman Fadhila Rahma, Tri Inda Fadila, Sheila Fadilah, Cut Fahnisa, Fahnisa Faisal Akbar Nasution Fauzi, Said Ihsan Firmanita, Firmanita Fuadi Tanjung, Ahmad Hafnisa, Hafnisa Haq, Zhiaul Harahap, Alwi Padly Harahap, M. Ikhsan Harahap, Miftah Rizki Addin Harahap, Muhammad Ikhsan Harahap, Nur Dalilah Harahap, Rahmat Daim Harahap, Sinta Lestari Harsono, Subambang Hasanah, Selfi Ulfa Hasibuan, Adelia Hasibuan, Reni Ria Armayani Hendra Harmain Hidayat Nasution, Muhammad Taufik Ilham Habibi, Ilham Imran, Buhari Imsar Imsar, Imsar Inda Fadhila Rahma, Tri Indriani, Rizki Irdayanti, Nadila Ismail K, Kamilah Kamilah, Kamilah Kaspia, Yola Khujaimah, M. Fajri Yusuf Lubis, Dini Syafitri Lubis, Fahmi Husaini Lubis, Riska Amalia lubis, Safiah Saffa Lubis, Tasya Fauza M. Ridwan Maisyaroh, Elvira Maisyaroh, Tetti Manik, M. Bay Hakqi Marliyah, Marliyah Maulida, Tasya Meutia Dewi, Meutia Mingka, Asrawi Fahmi Muhammad Arif Muhammad Habibi Siregar, Muhammad Habibi muhammad Syahbudi, muhammad Muhammad Syukri Albani Nasution Muhammad Umar Maya Putra Mustapa  Khamal  Rokan N. Nurjanah Nabila, Dara nafisah, nur Naser Daulay, Aqwa Nasution, Alya Mahpuja Nasution, Juliana Nasution, Muhammad Irwan Padli Nasution, Rahma Wulan Suci Nasution, Rahman Ali Nazmi, Khairin Nur Marpaung, Deri Arifin Nuraini Nuraini Nurbaiti Nurbaiti Nuri Aslami Nurlaila Nurlaila Nurma Sari, Nurma Nursafira, Adela Nursantri Yanti Nurul Inayah Nurul Jannah Pasaribu, Yogi Oriena Prasetyo, Iin Putri, Anysa Putri, Hanifah Restu Putri, Indry_Anggraini Putri, Naswa Aldira Qoyum, Muhammad Rahma, Tri Inda Fadhila Rahman, Diba Nur Rahmani, Nur Ahmadi Bi Raihana, Rika Ramadani, Novira Reska, Ainun Rezeki, Sri Gusti Rifana, Muhammad Rifqi, Moch Rizfani Riska, Elvina Rispan, Rispan Romadhon , Fauzi Ahmad Rorizki, Fitri Saifullah Saifullah Sambas, Ihsan Santri Yanti, Nur Saragi, Alfioni Sarah Sabila, Sarah Sari, Sekar Sastika, Mila Sihite, Masdinar Silaen, Lena Mardiana Silalahi, Purnama Ramadani Sindi, Sindi Sinulingga, Nabila Oktarina Siregar, Syafrudin Hanafi Siti Aisyah Siti Khodijah Sitorus, Nurbaina Junita Soemitro, Andi Sri Lestari sri sudiarti Suci Ardi, Amalia Ramadhani Sugianto Sugianto Suhairi Suhairi Surbakti, Agung Grafika Surbakti, Putri Filza Salsabila Syahfitri, Mulia Syahfitri, Rina Syahrizal Syakir, Ahmad Tanjung, Ayu Wulandari S. Tarigan, Akmal Tuti Anggraini Ulfa, Nadia Utami Zebua, Indah Sri Yani Hasibuan, Ary Ahmad Yani, Misri YENNI SAMRI JULIATI NASUTION, YENNI SAMRI JULIATI Yusrizal Yusrizal Zainta, Santri Yani Zuhrinal M. Nawawi Zulfitri Zulfitri, Zulfitri ‘Aisyi, Luthfiyyah Rahadatul