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All Journal TEKNIK INFORMATIKA Jurnal Manajemen Terapan dan Keuangan Jurnal Media Infotama Value Added: Majalah Ekonomi & Bisnis Techno.Com: Jurnal Teknologi Informasi MATICS : Jurnal Ilmu Komputer dan Teknologi Informasi (Journal of Computer Science and Information Technology) Jurnal Teknologi dan Manajemen Informatika Jurnal Bisnis dan Manajemen Jurnal Media Wahana Ekonomika Jurnal Pamator : Jurnal Ilmiah Universitas Trunojoyo Madura EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis IQRA`: Jurnal Ilmu Perpustakaan dan Informasi Sistemasi: Jurnal Sistem Informasi Widya Cipta : Jurnal Sekretari dan Manajemen JOURNAL OF INFORMATICS AND TELECOMMUNICATION ENGINEERING MANAJERIAL Indikator: Jurnal Ilmiah Manajemen & Bisnis TA'LIM : Jurnal Studi Pendidikan Islam Dinamis : Journal of Islamic Management and Bussiness Jurnal Informatika Universitas Pamulang Applied Information System and Management Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan RAUDHAH JurTI (JURNAL TEKNOLOGI INFORMASI) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Query : Jurnal Sistem Informasi JISTech (Journal of Islamic Science and Technology) Jurnal Penelitian Medan Agama Jurnal Teknologi Sistem Informasi dan Aplikasi JSiI (Jurnal Sistem Informasi) JURNAL PENDIDIKAN TAMBUSAI Banque Syar'i : Jurnal llmiah Perbankan Syariah JURIKOM (Jurnal Riset Komputer) JOURNAL OF SCIENCE AND SOCIAL RESEARCH Journal of Humanities and Social Studies JURNAL MANAJEMEN BISNIS Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Syarikat : Jurnal Rumpun Ekonomi Syariah Jurnal Manajerial Jurnal Sistem Informasi Kaputama (JSIK) JURNAL ANSIRU PAI : Jurnal Pengembangan Profesi Guru Pendidikan Agama Islam Instructional Development Journal Jurnal Manajemen Informatika dan Sistem Informasi Jurnal Wacana Ekonomi HIRARKI : Jurnal Ilmiah Manajemen Dan Bisnis Jurnal Teknologi Dan Sistem Informasi Bisnis Jurnal Ilmiah Edunomika (JIE) Al-Kharaj: Journal of Islamic Economic and Business LAN TABUR: Jurnal Ekonomi Syari’ah JURNAL RAUDHAH JURNAL EDUKASI NONFORMAL JOURNAL OF INFORMATION SYSTEM RESEARCH (JOSH) Community Development Journal: Jurnal Pengabdian Masyarakat Jurnal Inovasi Penelitian Journal of Computer Networks, Architecture and High Performance Computing Intelegensia : Jurnal Pendidikan Islam Jurnal Teknik Informatika (JUTIF) Ekonomi Bisnis Manajemen dan Akuntansi (EBMA) Quantitative Economics and Management Studies TANJUNGPURA JOURNAL OF NURSING PRACTICE AND EDUCATION Jurnal Ilmiah Wahana Pendidikan Jurnal Abdi Mas Adzkia Ilomata International Journal of Social Science JURNAL MANAJEMEN AKUNTANSI (JUMSI) JIKEM: Jurnal Ilmu Komputer, Ekonomi dan Manajemen Berajah Journal Jurnal Res Justitia : Jurnal Ilmu Hukum Al-Ittishol : Jurnal Komunikasi dan Penyiaran Islam International Journal of Educational Review, Law And Social Sciences (IJERLAS) International Journal of Economic, Business, Accounting, Agriculture Management and Sharia Administration (IJEBAS) Journal of Islamic Economic and Business Research INTERNATIONAL JOURNAL OF CULTURAL AND SOCIAL SCIENCE Review of Multidisciplinary Education, Culture and Pedagogy (ROMEO) Jurnal Pusat Studi Pendidikan Rakyat (PUSDIKRA) Indonesian Journal of Innovation Studies Center of Knowledge EKSYA: Jurnal Ekonomi Syariah JURNAL PENDIDIKAN INDONESIA: Teori, Penelitian, dan Inovasi Islamic Circle Aptekmas : Jurnal Pengabdian Kepada Masyarakat Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan Indonesian Journal of Economics and Management Journal Of Human And Education (JAHE) Hello World Journal of Information Systems and Technology Research Jurnal Pendidikan dan Pembelajaran Jurnal Manajemen Jurnal Ekonomika Dan Bisnis Studi Akuntansi, Keuangan, dan Manajemen Jurnal Cakrawala Ilmiah Economic Reviews Journal Jurnal Sains dan Teknologi MES Management Journal Edu Society: Jurnal Pendidikan, Ilmu Sosial dan Pengabdian Kepada Masyarakat PEMA: Jurnal Pendidikan dan Pengabdian Kepada Masyarakat Jurnal Al-Qayyimah Prisma Sains: Jurnal Pengkajian Ilmu dan Pembelajaran Matematika dan IPA IKIP Mataram Jurnal Ekonomi, Bisnis dan Manajemen CEMERLANG :Jurnal Manajemen dan Ekonomi Bisnis International Journal on Advanced Technology, Engineering, and Information System (IJATEIS) Jurnal Riset Pendidikan dan Pengajaran (JRPP) Jurnal Ekonomi dan Bisnis Mumtaz : Jurnal Ekonomi dan Bisnis Islam Journal Research of Economics and Bussiness Takuana: Jurnal Pendidikan, Sains, dan Humaniora Lensa Ilmiah: Jurnal Manajemen dan Sumberdaya ANWARUL: Jurnal Pendidikan dan Dakwah Jurnal Visi Manajemen (JVM) Jurnal Pendidikan, Sains dan Teknologi Jurnal Ilmu Sosial, Pendidikan Dan Humaniora Pustaka: Jurnal Bahasa dan Pendidikan Data Sciences Indonesia (DSI) Jurnal Informatika dan Teknologi Pendidikan Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Journal of Management, Economic and Accounting (JMEA) Jurnal Teknik Mesin, Industri, Elektro dan Informatika Journal of Islamic Economics Lariba Jurnal Manajemen USNI Jurnal Ekonomika Manajemen Dan Bisnis International Journal of Management, Entrepreneurship, Social Science and Humanities (IJMESH) Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Inisiatif: Jurnal Ekonomi, Akuntansi Dan Manajemen Student Scientific Creativity Journal Jurnal Penelitian Ekonomi Manajemen dan Bisnis Jurnal Publikasi Ilmu Manajemen Indonesian Research Journal on Education JSITIK: Jurnal Sistem Informasi dan Teknologi Informasi Komputer Innovative: Journal Of Social Science Research Madani: Multidisciplinary Scientific Journal Jurnal Manajemen Kreatif dan Inovasi Jurnal Ilmiah Sistem Informasi Jurnal Manajemen Riset Inovasi Wawasan : Jurnal Ilmu Manajemen, Ekonomi dan Kewirausahaan JURNAL EKONOMI BISNIS DAN MANAJEMEN JURNAL ILMIAH SAINS TEKNOLOGI DAN INFORMASI Jurnal Ekonomi Kreatif dan Manajemen Bisnis Digital (JEKOMBITAL) Jurnal Manajemen Dan Bisnis Ekonomi Jurnal Riset Manajemen Jurnal Riset Manajemen dan Ekonomi Jurnal Riset Akuntansi Jurnal Penelitian Sistem Informasi Sammajiva: Jurnal Penelitian Bisnis dan Manajemen Jurnal Sistem Informasi dan Informatika Masip: Jurnal Manajemen Administrasi Bisnis dan Publik Terapan JAKBS International Journal of Management Research and Economics Journal Of Informatics And Busisnes (JIMBE) Journal of Economics and Management Scienties Jurnal Pema Tarbiyah OKTAL : Jurnal Ilmu Komputer dan Sains Jurnal Sistem Informasi dan Ilmu Komputer Maeswara: Jurnal Riset Ilmu Manajemen dan Kewirausahaan Jurnal Manuhara: Pusat Penelitian Ilmu Manajemen Dan Bisnis Riset Ilmu Manajemen Bisnis dan Akuntansi Jurnal Ilmiah Research and Development Student Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah Kohesi: Jurnal Sains dan Teknologi Socius: Social Sciences Research Journal Dinamika Publik: Jurnal Manajemen dan Administrasi Bisnis Aslamiah: Jurnal Pendidikan, Ekonomi, Sosial dan Budaya JSE: Jurnal Sharia Economica Jurnal Ekonomi Bisnis dan Manajemen Student Research Journal Pusat Publikasi Ilmu Manajemen Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Ilmiah Research Student Jurnal Sains Student Research Jurnal Penelitian Ilmu Ekonomi dan Keuangan Syariah Jurnal Penelitian Teknologi Informasi dan Sains Al-Zayn: Jurnal Ilmu Sosial & Hukum Neraca Manajemen, Akuntansi, dan Ekonomi Causa: Jurnal Hukum dan Kewarganegaraan Jurnal Ilmiah Manajemen Ekonomi Dan Akuntansi (JIMEA) Intellektika: Jurnal Ilmiah Mahasiswa Jurnal Media Akademik (JMA) Sharia Economic and Management Business Journal (SEMBJ) JURNAL ILMIAH PENELITIAN MAHASISWA El-Mujtama: Jurnal Pengabdian Masyarakat Journal of Innovative and Creativity Jurnal Manajemen Ekonomi dan Bisnis Jurnal Manajemen dan Pendidikan Agama Islam Bigint Computing Journal JURNAL MULTIDISIPLIN ILMU AKADEMIK JURNAL RUMPUN MANAJEMEN DAN EKONOMI AKSIOMA : Jurnal Sains Ekonomi dan Edukasi MERDEKA: Jurnal Ilmiah Multidisiplin Katalis Pendidikan: Jurnal Ilmu Pendidikan dan Matematika Jurnal Manajemen Bisnis Era Digital JURNAL ILMIAH EKONOMI, MANAJEMEN, BISNIS DAN AKUNTANSI Jurnal Ilmiah Nusantara MAXIMAL Jurnal Inovasi Ekonomi Syariah dan Akuntansi Moneta : Journal of Economics and Finance PENG: Jurnal Ekonomi dan Manajemen Journal of Elektronik Sistem InformasI Journal of Social Work and Science Education Jurnal Ekonomi Manajemen Dan Bisnis (JEMB) Jurnal Manajemen Kewirausahaan dan Teknologi The Indonesian Journal of Computer Science JURNAL AKADEMIK EKONOMI DAN MANAJEMEN Bina Bangsa International Journal of Business and Management Jurnal Sistem Informasi, Manajemen dan Teknologi Informasi Switch: Jurnal Sains dan Teknologi Informasi Akuntansi dan Ekonomi Pajak: Perspektif Global Jurnal Manajemen Bisnis Digital Terkini Merkurius: Jurnal Riset Sistem Informasi dan Teknik Informatika Neptunus: Jurnal Ilmu Komputer dan Teknologi Informasi Saturnus: Jurnal Teknologi dan Sistem Informasi Jurnal Ilmu Ekonomi, Pendidikan dan Teknik (IDENTIK) Journal of Sharia Business Management Tarbiatuna: Journal of Islamic Education Studies Jurnal Media Informasi Teknologi Journal of Business Economics and Management As-Salam: Journal Islamic Social Sciences And Humanities Jurnal Ilmu Ekonomi dan Bisnis (JUKONI) Journal Pesona Indonesia Jurnal Cendekia Ilmiah Al I'tibar Jurnal Pendidikan Islam Jurnal Ad'ministrare: Jurnal Pemikirian Ilmiah dan Pendidikan Administrasi Perkantoran Epsilon : Journal of Management (EJoM) Young Journal of Social Sciences and Humanities LAN TABUR: JURNAL EKONOMI SYARIAH JIMEK As-Syirkah: Islamic Economic & Financial Journal Neraca: Jurnal Ekonomi, Manajemen dan Akuntansi Journal of Golden Generation Economic Ukazh: Journal of Arabic Studies Jurnal CENDIKIA ISNU ISNU Nine-Star Multidisciplinary Journal (INS9MJ) Journal of Golden Generation Multidisciplinary JESASI Jurnal Ilmu Manajemen dan Akuntansi Nusantara (JIMAKUN) Widya Cipta : Jurnal Sekretari dan Manajemen Jurnal Cendikia ISNU SU IQRAR: Jurnal Akuntansi, Manajemen & Ekonomi Syariah Jurnal Riset Sosial Humaniora dan Pendidikan International Journal of Islamic Business Management Jurnal Sistem Informasi dan Ilmu Komputer Jurnal Insan Pendidikan dan Sosial Humaniora Jurnal Motivasi Pendidikan Dan Bahasa Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Journal of Indonesian Management Jurnal Ekonomi, Bisnis, Manajemen dan Akuntansi (JEBIMAN) Advances In Education Journal Journal of Research and Public Horizons Jurnal Enterprise dan Tata Kelola Perusahaan: Manajemen dan Akuntansi Jurnal Finansial dan Evaluasi Pasar Modal Optimal: Jurnal Ekonomi dan Manajemen
Nasution, Muhammad Irwan Padli
Universitas Islam Negeri Sumatera Utara
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Implementasi Sistem Informasi Manajemen Berbasis Cloud Computing untuk Memperbesar Daya Saing Organisasi Istiqomah Istiqomah; Muhammad Irwan Padli Nasution
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 1 (2025): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i1.3396

Abstract

In today's digital era, organizations face the challenge of enhancing their competitiveness in an increasingly competitive environment. One solution adopted is the implementation of Cloud Computing-based Management Information Systems (MIS). This article discusses the implementation of Cloud Computing-based Management Information Systems. This research aims to explore the impact of adopting cloud-based MIS on enhancing organizational competitiveness. Cloud-based MIS allows for the management of data and applications through internet infrastructure, offering flexibility, scalability, and operationasl efficiency. By adopting this technology, organizations can access information in real-time from various locations, support employee mobility, and strengthen strategic decision-making. This research also explores the challenges and benefits faced by organizations during the transition to cloud-based systems and provides recommendations for successful implementation. Key steps in this process include phased implementation, performance monitoring, security evaluation, and integration with existing systems. Cloud-based MIS can provide significant advantages in terms of operational cost reduction, increased flexibility, and the ability of organizations to respond quickly to market changes. However, challenges related to data security and system control must also be considered. Therefore, an appropriate implementation strategy is crucial to ensure the successful adoption of cloud-based MIS.
PERBANDINGAN EFISIENSI TRANSAKSI UANG DIGITAL DAN UANG TUNAI DI INDONESIA Hanaya Tri Meyharin Sihotang; Muhammad Irwan Padli Nasution
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 1 (2025): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i1.3496

Abstract

This research is to compare the transaction efficiency between digital money and cash in the context of daily use in Indonesia. The method used is descriptive quantitative analysis by collecting data through surveys and interviews with consumers who frequently use both types of payments. Efficiency is measured based on the time required to make transactions, transaction costs, and user convenience in using digital money and cash. The results show that transactions using digital money are more efficient in terms of time and operational costs compared to using cash, especially in long-distance and small-amount transactions. On the other hand, while cash is still dominant in direct physical transactions, digital money offers advantages in terms of speed and convenience, especially with the growing digital infrastructure in Indonesia. This study concludes that while cash still has an important role to play, digital money shows great potential in improving the efficiency of economic transactions, both in terms of individuals and the payment system as a whole.
Analisis Pengaruh Big Data Terhadap Pengambilan Keputusan Strategis Berbasis SIM Widiya Wati; Muhammad Irwan Padli Nasution
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 1 (2025): Januari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i1.3742

Abstract

The purpose of this study is to analyze the impact of big data on strategic decision-making based on Management Information Systems (SIM). In this digital era, data is one of the most important things for organizations. Data is one of the most important things for organizations. data provides big the ability to quickly and efficiently combine large amounts quickly and efficiently, thus allowing researchers to obtain more detailed information. Combining large amounts of information. Through qualitative research and content analysis of relevant literature, this study identified many ways big data can improve the effectiveness of strategic decision-making. All of this suggests that the integration of big data in a SIM can improve the accuracy and relevance of information used in decision development, which in turn can help organizations achieve success.
INTEGRASI SISTEM INFORMASI MANAJEMEN DENGAN TEKNOLOGI BIG DATA DALAM BISNIS Meisyah Ayu Putri; Muhammad Irwan Padli Nasution
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 2 (2025): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i2.3794

Abstract

The development of the times is becoming more and more sophisticated and everything depends on technology or digital systems which means that every individual or group in running a business must be able to utilize the functions of technology. Every business must be able to maximize the data in its business effectively and efficiently, so that it is easy to take steps or make the right decisions. Management Information Systems are an alternative because Management Information Systems provide Big Data as a solution to the problem of lack of data availability which hinders business people in the development of their companies. The existence of this technology requires companies to be able to build strategic sources of information, because business data information is a very valuable asset for the company. The purpose of this research is how to integrate management information systems in business and utilize big data technology and find out what challenges must be faced. The research method uses a qualitative research approach.
Integritas Sistem Informasi Manajemen Pada Industri Berbasis Komunitas Lokal Di Era Digitalisasi Septia Amelia; Muhammad Irwan Padli Nasution
JURNAL ILMIAH EKONOMI DAN MANAJEMEN Vol. 3 No. 2 (2025): Februari
Publisher : CV. KAMPUS AKADEMIK PUBLISING

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61722/jiem.v3i2.3795

Abstract

The purpose of this study is to investigate the integrity of the information management system (SIM) in local community-based industries in the digital age. As the use of digital technology increases, local industry is impacted by new opportunities and challenges in information processing. This study employs a deskriptif kualitatif approach, gathering data through observation, document analysis, and fieldwork in a few local communities that use SIM. The study's findings indicate that factors such as effective communication, human safety, and technological infrastructure have a significant impact on SIM integrity. Even while digital technology can increase productivity and efficiency, there are still issues with how members of the community understand and use it. In addition, the main focus is on issues related to data security and accessibility. This study emphasizes the importance of education for community members and the development of policies that support technology use in a responsible manner.
The Influence of Government Policies on the Digital Platform Kedai Elektronik Medan (KEDAN) to Facilitate the Marketing of MSMEs Products in the City of Medan Rahmah, Hajrah; Nasution, Muhammad Irwan Padli; Nurbaiti, Nurbaiti
Quantitative Economics and Management Studies Vol. 5 No. 5 (2024)
Publisher : PT Mattawang Mediatama Solution

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35877/454RI.qems2871

Abstract

This study aims to evaluate the effect of the expansion policy of the KEDAN digital platform managed by the Medan City Government on the marketing of MSME products in Medan City. The main focus of the research is to identify the level of satisfaction of MSME players with the marketing of their products through this digital platform and analyze how the policies that have been implemented by the local government affect the marketing outcomes. This research uses a quantitative approach with simple linear regression analysis to describe the characteristics of the sample, as well as inferential analysis using SPSS version 29. The research population consists of MSME players who are eligible to transact on the KEDAN digital platform, with a total of 120 respondents in this survey. The results showed that most MSME players in Medan City were satisfied with the marketing of their products through the KEDAN digital platform, with the satisfaction level reaching 95%. Regression analysis showed a positive relationship between the Government's policy towards KEDAN's digital platform and increased marketing of MSME products in Medan City.
Analisis Kepuasan Mahasiswa Terhadap Portal Informasi Akademik Universitas Islam Negeri Sumatera Utara : Tinjauan Literatur Muhammad Irwan Padli Nasution; Calvin Aditya Harahap
Merkurius : Jurnal Riset Sistem Informasi dan Teknik Informatika Vol. 3 No. 1 (2025): Januari: Merkurius: Jurnal Riset Sistem Informasi dan Teknik Informatika
Publisher : Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/merkurius.v3i1.604

Abstract

Academic information portals have an important role in supporting the academic process of students in higher education. This study aims to analyze the level of student satisfaction with the academic information portal of the State Islamic University of North Sumatra (UINSU). This study uses a literature-based approach by referring to previous research in the last five years (2019–2024). The results of the analysis show that reliability, responsiveness, data security, information completeness, and interface design are the main aspects that affect the level of student satisfaction. The recommendations given include improving system stability, developing interactive features, and strengthening user data protection.
Perancangan Sistem Informasi Geografis Kondisi Jalan pada Kabupaten Labuhan Batu Utara : Tinjauan Literatur Muhammad Irwan Padli Nasution; Muhammad Fauzan Amri
Neptunus: Jurnal Ilmu Komputer Dan Teknologi Informasi Vol. 3 No. 1 (2025): Februari: Neptunus: Jurnal Ilmu Komputer Dan Teknologi Informasi
Publisher : Asosiasi Riset Teknik Elektro dan Informatika Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61132/neptunus.v3i1.597

Abstract

Road infrastructure is a vital element in supporting economic, social, and transportation activities in a region. Labuhan Batu Utara Regency faces challenges in managing and maintaining road conditions, especially in hard-to-reach areas. This article presents a recent literature review from the past five years on the application of Geographic Information Systems (GIS) for mapping and managing road conditions. The discussion covers technological innovations such as drone usage, machine learning, and crowdsourcing integration within GIS. Additionally, several international and national case studies are referenced to provide insights into the challenges and opportunities of GIS implementation. This article recommends strategies such as open-source GIS implementation, integration with mobile applications, and regular data updates to support efficient road condition management in Labuhan Batu Utara Regency.
Pentingnya Sistem Keamanan Database Untuk Melindungi Data Pribadi Ujung, Adelia Marwah; Nasution, Muhammad Irwan Padli
Jurnal Sistem Informasi Dan Informatika Vol 1 No 2 (2023): Juli 2023
Publisher : Prodi Sistem Informasi Universitas Dharma Andalas

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (103.428 KB) | DOI: 10.47233/jiska.v1i2.929

Abstract

This research is conducted with the aim of database security and protecting users' personal information. The study focuses on the database security system, which is an essential aspect in the field of information technology. The research is carried out by conducting a literature review and case studies on various existing database security systems. The fundamental concepts of the database security system, types of database security systems, and the latest technologies that can be used to enhance database security are explained in this research. Furthermore, the potential risks that can arise when the database security system is not properly maintained and strategies to address database security issues are also discussed. This research is expected to provide a better understanding of the importance of maintaining database security for organizations and companies.
Pengaruh Telecompliance dalam Peningkatan Kolektibilitas Iuran JKN BPJS Kesehatan Segmen PPU BU Cabang Padangsidimpuan Siregar, Wiwindasari; Siregar, Muhammad Habibi; Nasution, Muhammad Irwan Padli
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 19, No. 1 : Al Qalam (Januari 2025)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v19i1.4419

Abstract

Penelitian ini berjudul "Kolektibilitas Iuran JKN BPJS Kesehatan Segmen PPU BU Cabang Padangsidempuan" yang disusun oleh Wiwindasari Siregar, bertujuan untuk menganalisis kepatuhan pembayaran iuran Jaminan Kesehatan Nasional (JKN) yang diselenggarakan oleh Badan Penyelenggara Jaminan Sosial (BPJS) Kesehatan. Dengan latar belakang pentingnya kesehatan sebagai kebutuhan dasar dan perlindungan sosial, penelitian ini menggarisbawahi peran BPJS Kesehatan dalam menyediakan akses layanan kesehatan bagi seluruh masyarakat Indonesia, terutama dalam konteks segmen Pekerja Penerima Upah Badan Usaha (PPU BU).Melalui pendekatan kuantitatif, penelitian ini mengeksplorasi faktor-faktor yang mempengaruhi kolektibilitas iuran, termasuk aspek ekonomi, kepatuhan perusahaan, serta dampak regulasi pemerintah. Data dikumpulkan dari berbagai sumber, termasuk wawancara dan survei kepada perusahaan yang terdaftar di Kantor Cabang BPJS Kesehatan Padangsidempuan. Hasil penelitian menunjukkan bahwa terdapat tantangan signifikan dalam kepatuhan pembayaran iuran, yang dapat berdampak pada keberlanjutan program JKN.Kesimpulan dari penelitian ini menekankan perlunya peningkatan kesadaran dan pemahaman perusahaan tentang kewajiban mereka dalam menyetorkan iuran, serta pentingnya sanksi yang tegas dari pemerintah untuk memastikan kepatuhan. Penelitian ini diharapkan dapat memberikan kontribusi bagi pengembangan kebijakan jaminan kesehatan di Indonesia dan memperkuat sistem jaminan sosial nasional.
Co-Authors ., Arba Sunur ., Siti Hawa Hasibuan Abdu Rahman Hakim Abdul Hafiz Abdullah, Radhinal Abel Bangun Abelia Gultom Abel Abelia Mita Baqis Abrar, M. Farid Abrar, M.Farid Achmad Habib Hamsar Ade Kurnia Sari Ade Syafitri Adelia Amri Adelia Amri Adelia Khirani Lubis Adelia Marwa Ujung Adelia Marwah Ujung Adelia Marwah Ujung Adeliya Saragih Adhelia, Dhea Putri Adinda Sefina Adnan Buyung Nasution Adrian Niken Lubis Adris Triseptina Afandi, Muhammad Fikri Afdillah Nur Aisyah Sinaga Afdillah Nur Aisyah Sinaga Afriani Afriani Agfahmi Dinata Agisty Fiannisa Ahda Segati Ahmad Alkindi Siregar Ahmad Alvin Adriansyah Ahmad Alvin Adriansyah Aidhawani Aidhawani Aini Nurul Aininta Alivia br Kaban Airin Putri Aulia Lubis Aisah Nurkhofifah Lubis Aisyah Fitri Pasaribu Ajeng Triandari Akbar, Fatawil Al-Faruq, Muhammad Yuda Alfa Nadiah Siregar Alfa Rizi Azhari Alfia Utami Alfia Utami Alharis, Dimas Cholis Ali Ikhwan Ali Ikhwan Alrobby Nurilham Alya Nabila Junaidi Alya Nabila Junaidi amalia, parida Amelia Putri AMELIA, MAYA Aminah Cinda Kasih Aminah Cinda Kasih, Aminah Ananda Amelia Ananda Rizki Akbar Anang Andrian Andhini Asmita Andika Mahwayudi Andri Soemitra Angga Pradana Kusuma Anggini, Rizki Angkasa, Pramuja Angraini, Riska Anhar, Muhammad Ziqhri Anisa Maya Sufa Anisa Puspita Anita Cerahma Siregar Annisa Fitri Adina Hutabarat Annisa Hafsah Annisa Nadila Annisa Nur Sabrina Anwar Sadat Aprilia Eka Putri Arfi Andira Kirana Arfini Tri Agustina Ari Sahputra Arie Satria Tama Arief Armita Isnaini Munthe Arris Fahrian Arya Yudi Pratama Asmadi1, Soraya Zairina Asmiralda, Febrina At Thariq Harahap, Faqih Atika Atika Atika, Nanda Nurul Aulia Rizky Lubis Aulia Rizky Lubis Aulia Zaky Ibna Aulia Zaky Ibna Aura Amalia Ayu Anggraini Hulu Ayu Intan Pratiwi Ayu Lestari Ayu Shintiya Az Zahra Salsabilah Lubis Azmatul Kholila Azzahra Tri Najla S Bagusman, Chajarara Baihaqi, Ahmad Bakri, Safa Nadia Bangun, Diva Amanda Br Batubara, Alwi Ardiansyah Putra Bayu Rahmat Hidayat Beby Fadila Bella Audya Manalu Berutu, Fajran Rahman Bi Rahmani, Nur Ahmadi Bima Andika Br.Sinulingga, Sadepa Putri Bunga Amira Bunga Dwi Anjani Calvin Aditya Harahap Chairina Amaliah Hasibuan Chintya Pradilla Putri Chintya Pradilla Putri Chintya, Neha Cindy Amelia Cindy Anggriani Cindy Rayani Sinulingga Cut Nadhira Shahnaz Cut Nadhira Shahnaz Daffa Caidana Zein Situmorang Daffa Chaidana Zein Situmorang Dalimunthe, Maya Oktavia Daulay, Anisya Putri Ertani Daulay, Lily Sardiani Dea Cindi Amelia Dea Miranti Hajiriah Manurung Deby Nofriansyah Dedy Rahman Siregar Dedy Rahman Siregar, Dedy Rahman Siregar Dela Arum Lestari Dery Shadani Deva Fitri Zuya Devi Fitri Zuya Devyana, Melati Dewi Lestari Dharma, Budi Dian Farindah Damanik Diana Loemongga Siregar Didi Maslan Dimas Halki Widana Dimas Pramudya Dinda Audia Syahira Dinda Fitriyah Kholisoh Ahmadita Putri Dinda Novika Rahmahdhani Dinda Puspita Sari Dinda Ravina Dindy Rizka Octavia Dini Cahyani nasution Dini, Aisyah Dira Finanta Dira Finanta Dita Ananda Bangun Diva Amanda Br Bangun Diva viola natasya Hasibuan Diva Viola Natasya Hasibuan Dwi Amanda Simanjuntak Dwi Amanda Tanjung Dwi Febrina Dwi Purnama Sari Dwi Silvia Ningsih Dwi Silvia Ningsih Dwiky Guntara Dzakwan Abbas Effendi, Lutfiah Eko Purnomo Eko Purnomo ELYSA RAHMAYANI Embun Febryanti Panggabean Embun Febryanti Panggabean Endi Kurniawan Enjeli Enjeli Era Rahmadani Damanik Era Rahmadani Damanik Eriana Saprida Ermiannur Euis Desy Khairiyati Fachrurrozi, Zein Ahmad Fadilah, Tiara Fitriani Fadillah, Siti Nur Fadlin Fajri Fahri Fahrian, Arris Fahrina Aulia Purba Faiza Zayani Waznah Fakhri Alauddin Tarihoran Fakri Mursala Fanny Himla Rizqya Pasaribu Farah Ananda Lubis Fardan Ali Torabora Siregar Farhana Shahira Fathimah, Laila Fathin Al Biyan Tanjung Fatimah Zahra Marahaini Harahap Fauji Azwar Siregar Fauzan Nafis Fauzy Imam Syah Fayathun Maira, Fayathun Maira Febie Juma Pristika Fiannisa, Agisty Fikry Jie Riefa Ananda Firza Azzahra Firza Azzahra Fithrah Dwi Ananda Fithri Daulay, Mutiara Mastina Fitri Dasuki Siregar Fitri Fitri Annisa Fitri Handayani Harahap Fitri Hidayah Fitri Nabila Hasibuan Friska Putri Aryanti Geubrina Raseuki Ginting Ginting Ginting, Dea Cindi Amelia Ginting, Melia Br Ginting, Nabilah Azzahra Amin Br Grace Amalia Tondang Guntara, Dwiky Gymnasti Febriani Hafidz Ramadhan Noor Matondang Hafiz Maulana Siagian Hafizh Fahriza Hairul Anam Hakiki, Teguh Iman Halim Wijaya Halimatun Sakdiah Hamza Dwi Aulia Warhana Hanaya Tri Meyharin Sihotang Hani, Fildzah Hanifa Salsabila Hanifah, Muthi’ Nur Harahap, Muhammad Ikhsan Harsya Haryo Prastya Hasanah, Malika Ardhia Hasbi Rizky Rawy Hasibuan, Adelia Hasibuan, Siti Hawa Hasiholta, Dani Admaja Hayfa Azwa Fadila Hazizah, Siti Nur Hellen Afrisa Helvinasari Nasution Hesty Ananta Yunas Hesty Ananta Yunas Hidayana, Nugrhainy Hidayati, Yusranida Hotmasarih Harahap Hudana Isra Aulia Hummairoh Hummairoh Husnah Salsabilah Siregar Ibrahim Syahputra Harahap Idham Mahrivi Idham Tiofandy Hasibuan Ika Amelia Putri Ilham Putra Pratama Ilhamy Nasution, M. Lathief Ilka Zufria Indah Dwi Pancari Indah Riski Panjaitan Indradewa, Rhian Intan Fahzirah Intan Geandra Ira Yanti Irfan Fadhilah Irgi Iqbal Irhansyah, Teddy Irma Handayani irmayani irmayani Irwansyah, Rudi Irzi Ahmad Fahrozi Isnaini Nur Harahap Istiqomah Istiqomah Iwandi Iwandi Jum Harroni Jum Harroni Juma Pristika, Febie Junita Pratiwi Juwairiazizah Rasta Kana Putri Rosiana Kasih, Aminah Cinda Kasman Rukun Khaidar Rahmaini Jamila Khairi, Nadia Luthfiah Khairul Amaliah Khairuvi Jannatu Sabila BR Pasaribu Kharisma Syahputri Khofifah Indar Rahman Khoirunnisya Gita Segara Kia Napisa Siregar Kinanti Iraza Kinanti Iraza Kurnia Rizqy Wijaya Kurniawan, Al Farizi Laila Azizah Lailan Safitri Barus Laksamana Khaidir K.N Laksamana Khaidir K.N Layla Nurul Sakinah Lesmana, Rendy Lidya Rosnoviana Lidya Rosnoviana Lisa Ariyani Lisma Yana Siregar lubis, Aisah nurkhofifah Lubis, Farach Nur Fachri Lubis, Khadijah Chairunnisa Lubis, Muhammad Azmi Ibadurrahman Lubis, Novri Salsabilla Lubis, Rizky Amalia Lubis, Windy Frestia Luna Syahfina Luna Syahfina Lutfia Amara Lutfia Amara Lutfiah Nur, Dara Lutfiah, Izmi Lutfiyah Rahmi Luthfiah Anwar, Wan Tasya M Agil Febrian M Ihsan M Rehan Kurniawan M Riyadh Riziq M Sahlan M Syawalun Riza M Yasmin Ramadhan M M, M Yasmin Ramadhan M. Fahrizal Adrian M. Hidayat M. Ikhsan Harahap M. Maulana M. Raihan M. Ridho Al aziz M. Yoga Pratama Harahap M.Farid Azizi M.ikhsan M.Laksamana Ghafur M.Sahlan Ma'ruf, Maulana Ma'ruf Mahlia Putri Hasibuan Maliha Anjely Putri Sinaga Mardianto, Mardianto Mareta Rindiani Marliyah, Marliyah Marsya Alsabila Marsya Pratiwi Nasution Maulana Fathurrahman Maulana Ikhsan Maulana Irsyad, Raihan Maulana, M. Mauli Fathia Zahra Maya Amelia Mayla Humaira As-syiva Mayori, Elsa Mega Hasibuan Meiranda Siregar Meisyah Ayu Putri Meisyah Ferianti Fadillah1 Meiza Octaria Melati Devyana Melati Melati Melia Br Ginting Melisa Lubis Mesi Suharni Banurea MHD. Ayub Ardi Mhd. Rizki Khairi Mia Audina MIFTAHUL JANNAH Miftahuljannah, Viona Mira Fathila Sari Mira Handani Mira Handani Misra Nova Dayantri Monica Aslyza Much Nur Syams Simaja Muflihul Fadhil Muhammad Abdillah Alwi Muhammad Alvin Nurrahman Muhammad Dafa Lubis Muhammad Deary Muhammad Dedi Irawan Muhammad Dimas Muhammad Dimas Aldy Muhammad Dimas Aldy Muhammad Fadlan Muhammad Fahri Muhammad Fauzan Amri Muhammad Fauzan Effendi Muhammad Febry Choir Muhammad Fikri Pohan Muhammad Ghozali Ma'arif Muhammad Habibi Siregar Muhammad Habibi Siregar Muhammad Habibi Siregar, Muhammad Habibi Muhammad Habibie Siregar Muhammad Idris Muhammad Ikhsan Harahap Muhammad Isya Nasution Muhammad Lathief Ilhamy Nasution Muhammad Lutfi Muhammad Luthfi muhammad luthfie Muhammad Naufal Zahid Marpaung Muhammad Prima Aji Muhammad Richie Hadiansah Muhammad Ridwan Muhammad Sofwan Muhammad Syahbudi Muhammad Syukri Albani Nasution Muhammad Tofiq Effendi Muhammad Tofiq Effendi Muhammad Yafiz, Muhammad Muhammad Zaki Zikrillah Baharuddin Nasution Muhammad Zidan Habibi Muhammad Ziqhri Anhar Muhammad Zulpan Batubara Muhd. Aidil Fitri Mutia Herman Mutia Sari Mutia Zahra Lubis Mutiara Khairiyah Nazri Mutiara Mastina Fithri Daulay Muzkiati Myza Uzyla Afryza Myza Uzyla Afryza Nabila Anisa Risca Lubis Nabila Annisa Rahmadhani Siregar Nabila Atsil Fadhilah Nabila Chairunnisa Nabila Shahira Nadhifa Salsabilla Bakris Nadhilah Nazlah Nasution Nadhilah Nazlah Nst Nadia Aprilia Nadia Fahira Nadila Rizkika Dwi Ananda Matondang Nadin Khairunisha Nailah Najwa Najmi Afifah Najwa Alifah Zulfikar Damanik Najwa Aulia Kartika Nanda Kurniawan Lubis Nanda muzahra Nasha Fahriza Nasution, Inayatul Widad Nasution, Indah Widya Jaya Putri Nasution, Mustofa Abdullah Nasution, Sabrina Nasution, Suci Rezeki Nasution, Syahdinar Nasution, Tri Rahmadani Nasution, Wahyuddin Nur Nasution, Wahyudin Nur Natasya, Anggi Natasyah Natasyah, Natasyah Nayla Arnona Br Damanik Nayla Tri Audina Nazar Wa’altaf Nazhan Zahira Nazmi Lail Rahman Harahap Nazri Adlani Harahap Nazwa Hanifah Nazwa Nur Hasan Nazwa Pirda Aqilla Nazwa Rahmayani Nazwa Retno Nazwa Riwanda Nazwa Salsabila Lubis Nazwa, Amanatin Neha Chintya Neha Sartika Nia Ramadhani Nida Aulia Azzahra Ningtias Aprili Maliyah Nonita Fitriana Harahap Noor Adinda Noor Adinda S.F. Lubis Noor Adinda Sf Lubis Nopita Sari Dewi Harahap Nopita Sari Dewi Harahap Novy Arisca Nur Afifah Azzahra Nur Afiqah Nabila NUR AHMADI BI RAHMANI Nur Azzahra Nur Halisah Fajarini Nur Indah Septiyani Sirait Nur Khadijah Wahyu Utami Nur Khadijah Wahyu Utami Nur Qori Aprila Nur Riadoh Rangkuti Nur Wafiqah Azizah Sitompul Nur ‘Azah Nuragustin Nuragustin Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurbaiti Nurfadillah Najwa Faraiddin Nurhalita Wulandari Nurhalizar, Siti Nurhapirah Tasnim Nurhasanah, Upik Nuri Aslami Nurkhaliza Nurkhaliza Nursgustin Nurul Afriani Tanjung Nurul Fadhillah Nurul Haliza Siregar Nurul Hasanah Syah Nurul Jannah Nurul Muyasaroh Nurul Noviyana Octaria, Meiza P. Eko Prasetyo Palti Raja Siregar Panca Abdini Sitorus Panggabean, Dewi Febryanti Panggabean, Embun Febryanti Parapat, Ilham Karim Parentah Lubis Parida Amalia Pinasthika Alya Disti Pinasthika Alya Disti Ponco Setio Wijaksono Pradana, Wahyu Yuda Prasetyo, Gilang Dwi Pratama Wirayudha Nasution Pratama, Rian Dandi Pratidina, Maulia Preti Intan Sari Preti Intan Sari Pristika, Febie Juma Pujiastuti, Wulandari Purba, Dinda Rahmayani Puteri, Aulia Rahma Putri Afiqah Binti Ahmad Putri Agustina Putri Indah Fadillah Putri Ramadhani Putri Rizkia Wardhani Putri Salsa Nabila Putri Syabila Hidayat Rabiatul Adabiah Bancin Radika Hanny Syah Rahayu, Dwi Rani Rahma Aulia Rahma Aulia Rahma Intan Nuraini Rahma Yanti, Asni Rahmadi Rambe Rahmadilla Nurul Fandini Lubis Rahmah, Hajrah Rahmat Daim Harahap Rahmat Daim Harahap Rahmat Pasha Hanonangan Rahmat, Ilham Rahmi Syahriza Rahmi Syahriza Rahmi Syahriza, Rahmi Rahmi, Lutfiyah Raihan Aulia Nugraha Raihan Saputra Raihan Sultani Raihan, Muhamad Raisida Salwa Raissa Amanda Putri Raissha Vathyma Azzahra Ramadhani, Citra Ramanda putri Rani Syahpitri Rasta, Juwairiazizah Razak, Ahmad Buchori Reihan Arya Winata Repi, Predi Ari Retno Paluvi Rezeki, Sri Gusti Rheza Pratama Rheza Pratama Riana Raharti Ribi Tri Amanda Ricky Widyanto Rifa Nabila Malay Rifki Azmi Nulhakim Ripa Sabila Usni Sitompul Ririn Arianti Harahap Ririn Arianti Harahap Riska Febrianti Aulia Riskha Setianingsih Riskha Setianingsih Risma Haryani Siregar Risqullah Firdaus Risqu Ritonga, Sonia Ritonga, Taufiq Alfiqri Rizal Amri Khoirul Hakim Ritonga Rizki Kurniawan Rizky Alpiansyah Rizky Khaliq Rizky Putra Halomoan Harahap Rosdiana Rosdiana Rosit Dwi Atmaja Royhan Zaki Ramadhana Rr. Balqis Nuerita Maharani Rukiana hasibuan Ryan Febrianto Ryan Febrianto Saddiah, Kholimatun Safitri, Nurdiana Safitri, Safrina Sagdiyah Fitri Andani Tambunan Agung Sahfitri, Lala Pricilia Sahputri, Sindi Saipul Bahari Saipul Bahari Sakinah, Layla Nurul Salbiah Salbiah Salinar Winda Br Sagala Salsabil, Hafiz Salsabilla, Salsabilla Samiah Br Harahap Samiah Br Harahap Samsudin Samsudin Samsudin, Samsudin Sania Husna Sapina Dongoran Saragih, Ramadian Maghvira Saragih, Tiara Hasanah Putri Sari, Mutia Indah Sari, Preti Intan Sari, Reni Ilma Sariyani Sariyani Sasti Diana Putri Yanova Selfiani, Dwi Selvi Selvi Ayu Berutu Selvi Ayu Berutu Selvi Selvi Selvia Ayu Putri Ananda Sepira Yunda Septia Amelia Septiana Dewi Andriana, Septiana Dewi Septiandy, Muhammad Dimas Sevia Diah Pratiwi Shaqina, Maheza Sherina Rina Sherly Pitaloka Shindy Aulia Natasya Shintya Laiya Septy . Shohwatul Islamiah Sibarani, Fathiya Hasyifah Silalahi, Yayi Naulia Silvi Andini Silvi Rahmawati Silvia Meiliandari Sindi Sahputri Sindy Aulia Sari Sinta Sukma Ayu Siregar, Aldio Azani Siregar, Bakia Sarmita Utari Siregar, Diana Loemongga Siregar, Haposan Matua Siregar, Saniyah Dwi Putri Siregar, Wiwindasari Siregar, Zahra Rafia Rani Siswahyudianto Siti Hansyah Dewi Zai Siti Jumaidah Siti Khadijah Siti Khadijah Siti Sahfina Siti Sahfina sitompul, iqbal Sofiya Azzara Rafles Sonang Matua Siregar Sri Adel Febri Aldina Sri Ayu Sundari Sri Dwi Lestari Sri Rapida Sri Suci Ayu Sundari Sri Suci Ayu Sundari Sri Suci Ayu Sundari Sri Suci Ayu Sundari Sri Suci Ayu Surandari Sri Suci Ayu Surandari Sri Wahyuni Harahap Suci Andini Kesuma Suci Ayu Sundari Suci Indah Sari Suci Maharani Pane Suci Ramadani Harahap Suci Ramadhani Suci Rezeki Nasution Sucinta Tri Nurhayati Sucinta Tri Nurhayati Suendri Suendri Sugianto Sugianto Suhada Suhada Suhada, Suhada Sumaiya Nurhasanah Lubis Sundari , Sri Suci Ayu Sundari, Sri Suci Ayu Sunur, Arba Suryadi Syabatullah Syabatullah, Suryadi Syafrina, Angelia Putri Syahlu Zuanna Tanjung Syahnazwa Aiska Hidayat Hutasuhut Syahputri, Kharisma Syahputri, Namira Syahrani Harmi Syahrul Ramadhan Dalimunthe Syahrul Ramadhan Dalimunthe Syakila, Putri Syarbani, Ahmad Muhaisin B. Syarifa Tommy Syarifa Tommy Syarifah Aini Br Sinaga Syavina Nadhira Lubis Syawalia Arifa Syfa Tasya Zahwani Tama, Arie Satria Tambunan, Sagdiyah Fitri Andani Tedi Hermansyah Tengku Imam Alwafi Tessa Fadilla Teuku Alif Baihaqy Tia Deja Pohan Tia Deja Pohan Tiara Fitriani Fadilah Tiara Hasanah Putri Saragih Tiara Syahira Mardianto Tiara Tirta Dewi Titania Febrianti Tri Abdi Syahputra Tri hidayati Tri Nanda Rayani Sinuhaji Tri Putri Rezeki Tri Suci Irawan Triase Triase Triase Triase Trisnawati Lubis Tuti Anggraini Tuti Anggraini Tuti Anggraini Tyo Rizky Siagian Ujung, Adelia Marwah Ulfi Yanti Harahap Umar Said Batubara Umi Nur Habibah Ummi Aulia Utari, Anggie Sri Veri Ferdiansyah Vina rahmanda Vina Widia Afriani Vinanda Siswandari Vina Vira Sasmita Vivi Kumala Sari Wafiq Azizah Wafiq Azizah Wahyu Pinastia Ningrum Wahyu Rusbandi Huni Nasution Wahyu Yuda Pradana Wahyuddin Nur Nasution Wahyudin Nur Nasution Wahyudin Nur Nasution, Wahyudin Nur Wanda Aprilly Charos Wardatul Umayya Gea Widiya Wati Widya Ayu Utami Lubis Widya Khaidir Wilona Ramadhani K Wira Herdika Firliansyah P.H Wira Herdika Firliansyah P.H Yahfizham Yahfizham Yuda Mahendra Hasibuan Yulita Astri yulpida Sari Lubis Yunda Adisa Yunda Adisa Yuni Fatma Sari Yuni Syafitri Yusmardani, Indi Yusrizal Yusrizal Yusrizal Yusrizal Yusrizal Yusti, Irwan Zahara, Nabila Zahfira Halim Zahra Hasibuan Zahra, Fatimah Az Zahra, Nurul Zahrani Fatni Hapsah Zahwatun Suhaibah Rangkuti Zaimiri, Zaimiri Zainal Nur Ali Zaky Athaillah Hibrizi Nst Zein, M. Dimas Suhaimi Zuanna Tanjung, Syahlu Zuhrinal M. Nawawi Zulfa Khoiriah Zulfan Kurniawan Zulhasby Assdqy Nasution