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The aim of this research is to determine the role of IB Makbul smart savings in increasing DPK, which is located at PT Bank Sumut Capem Syariah HM Joni. The research uses quantitative methods. The population of this research is all employees at Bank Sumut CAPEM Syariah HM JONI Medan, totaling 13 people. The sampling technique in this research was to use a saturated sampling technique (total sampling). Based on the results of the Kendall's Tau B test above, the significant value is 0.114 > 0.05 which indicates that the relationship between the Smart Ib Makbul savings variable and the third party funds (DPK) variable is not significant or in other words there is no/sufficient relationship between the variables. The three interpretations in the Kendall's Tau-B correlation test above, a conclusion can be drawn that "the relationship between Smart Ib Makbul savings and third party funds (TPF) is not significant, sufficient, and in the same direction.

This research aims to find out and analyze how much influence religious commitment and Islamic product attributes have on customer trust in using the services of a case study sharia financial institution at Bank Sumut, Lubuk Pakam Syariah Sub Branch. This research uses a quantitative type of research with one dependent variable, namely customer trust and two independent variables, namely religious commitment and Islamic product attributes. This research uses primary data, using data collection methods through questionnaires. The data analysis techniques used in this research are descriptive tests, validity tests, reliability tests, classical assumption tests (normality test, multicollinearity test, heteroscedasticity test) and hypothesis tests (coefficient of determination test (R2), partial significance test (t-test) , simultaneous significance test (f-test) and multiple linear regression test)). The results of this research reveal that religious commitment has a positive and significant effect on customer confidence in using the services of sharia financial institutions based on test results which show that the coefficient table shows that the tcount value is greater than ttable, namely 19,245 > 1,666 with a probability value of 0.915 or smaller than 5 % (0.05). And Islamic product attributes have a positive and significant effect on customer trust based on test results which show that the coefficient table shows that the tcount value is greater than ttable, namely 6,125 > 1,666 with a probability value of 0.108, meaning it is smaller than 5% (0.05). Islamic product attributes and customer trust simultaneously have a positive and significant effect on customer trust. From the results of the F test with df(n1)=k-1=2 and df(n2)=n-k=32, it is obtained that Fcount is greater than the ttable value, namely 189.181 3.12 with a significance level of 0.000, it means it is smaller than 5% (0.05).