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Banking is a financial institution that plays an important role in a country’s economy. One of the current economic developments in Indonesia is the emergence of sharia-based financial institution, one of which is sharia banking. Like the function of banking itself, namely as an intermediary between people who need capital and people who have excess capital. One of sharia banking services is financing, namely the distribution of money by banks to costumers who need working capital. The bank provides capital to customers as business capital whose business result are calculated from the results according to the agreement. But in reality, it is not uncommon for customers to fail to pay for this financing. One of the reasons for the cessation of funding itself is the possibility of worsening business conditions. To minimize the risk of bad financing itself, banks must be able to make clear rules. In this article, Bank SUMUT Syariah Karya Rantau Prapat discusses various strategies for dealing with bad financing.

Financial institutions have played a very large role in the development and growth of modern industrial society. BMT is included in the Sharia Financial Institutions which are operated on the principle of profit sharing, trying to grow and develop micro, small and medium enterprises, in order to raise the level and dignity and defend the interests of the poor. The aim of this research is to determine the role of BMT in empowering micro businesses and the potential of businesses financed at Baitul mal wa tamwil (BMT) to develop economic activities so that they provide positive, prosperous and of course more independent results. This research is qualitative research with a descriptive research type, and the research data is taken from first-hand data, namely customer perceptions and second-hand statements that can be trusted. Data collection techniques include interviews, observations and information from books, articles, journals and theses. Research findings show that BMT plays an important role in empowering micro businesses by providing financing in accordance with sharia and cooperative work operational agreements. That way, MSMEs will become more advanced and able to absorb workers, which of course will help a lot in economic development and alleviating poverty due to reduced employment opportunities.

. Nowadays global problems whose impact on the environment are no stranger to human life. A clean and beautiful environment will have a positive impact on human health and vision, however, this phenomenon is very rare or even more difficult to find. So researchers are interested in conducting research at a rice factory in the Nipah Panjang II area. The rice factory is a factory that processes paddy into rice. The researcher intends to apply the green economy concept to the factory in the hope of reducing the losses caused by the factory to the surrounding environment and supporting the goals of sustainable development. The research method used in this research is a qualitative research method and uses descriptive research. Meanwhile, the data sources used in this research are primary data and secondary data, while the data collection techniques used are observation, interviews, questionnaires and documentation. It is known that the research results obtained in this research are that the factory carries out a rice milling process using a machine that is fueled by ethanol and the waste produced is re-managed into something that can be useful and generate additional income for the factory

This research aims to determine sharia promotional strategies, inhibiting factors and efforts to increase sales of ars snack msmes in jambi city. This research uses qualitative methods. This research is the owner of the msme ars snack. Data collection through observation, interviews and documentation. the conclusion results show that: the sharia promotion strategy carried out by msme ars has implemented the fathonah characteristic, namely being smart in innovating to update and add to its products. Maintaining and improving the quality of its products so as to create customer trust in ars snack msmes by always paying attention to sharia regulations. Advertisements carried out by ars snack msmes have implemented the characteristics of siddiq and trust both on social media and in brochures and must still prioritize honesty, truth and trustworthiness based on islamic economic perspective, personal sales carried out by umkm ars snack apply tabliq characteristics, namely meeting directly with customers and potential customers by conveying correctly using appropriate and easy to understand words without cheating about the products being sold. The public relations owned by msme ars snack jambi city is specifically to build good relationships with various groups, build a good company image and support each other among msmes and promote products to increase sales of each msme player.

Zakat Management Details the Management of Zakat Given from an Institution to Prospective Zakat Recipients Required in Distributing Zakat. To ensure that the practice of zakat is in accordance with sharia principles, the management of zakat distribution is carried out. In this research, the author tries to make research and analysis regarding the management of zakat distribution at the North Sumatra Regional Unit PLN Baitul Mall Foundation which includes planning, organizing, distributing zakat, as well as monitoring the validity of muzaki when receiving zakat, such as the validity of muzaki in terms of where one lives and the family. , and education. The results of this study will show that the North Sumatra Regional Unit PLN Baitul Mall Foundation has become a leading organization for distributing ZIS (zakat, infaq, and shadaqoh) in the PT PLN (Persero) environment in order to make mustahik become muzaki.

The thesis with the title "The Influence of Income and Religiosity on Employee Performance (Study at PT. Bhakti Idola Tama, Sungai Gelam District, Muaro Jambi Regency)" was written by Ira Puspita Sari, NIM 501190279, Department of Sharia Economics, Sulthan Thaha Saifuddin State Islamic University, Jambi 2023. An employee's performance will increase and develop when the employee is satisfied with the income received and an attitude of religiosity in each employee. The aim of this research is to determine the effect of income and religiosity on employee performance. The research method used in this thesis research is descriptive quantitative. The samples taken were 40 respondents. Data collection techniques by researchers are literature study, observation, interviews and questionnaires. The results of the research in this thesis are that Income and Religiosity simultaneously or together have a positive and significant effect on the performance of PT employees. Bhakti Idol Tama. It is known that the significance value for income and religiosity (X) simultaneously on Employee Performance (Y) is 0.003 < 0.05 and the calculated F value > F table (6.668 > 3.25). So it can be concluded that Ha is accepted and Ho is rejected. It is hoped that the results of this research can contribute, have an impact or have implications for related parties so that they can be used as a reference for research, scientific development and so on.

In distributing zakat, zakat management is required which details the management of zakat given from an institution to prospective zakat recipients. Management of zakat distribution is carried out to make it easier for Amil to be directed in terms of zakat distribution in accordance with sharia principles. In this research the author tries to make research and analysis regarding the management of zakat distribution at the North Sumatra Regional Unit PLN Baitul Mall Foundation which includes planning, organizing, distributing zakat, as well as monitoring the validity of muzaki when receiving zakat, such as the validity of muzaki in terms of residence and family. , and education. The results of this research will show that the North Sumatra Regional Unit PLN Baitul Mall Foundation has become a superior ZIS (zakat, infaq, shadaqoh) management institution that is trustworthy, professional and transparent within PT PLN (Persero) in empowering mustahik to become muzaki.

This study aims to analyze the influence of financial literacy, trust, location, income, and public views related to profit sharing in saving at Islamic banks. This type of research is qualitative and quantitative. Sampling techniques are simple random sampling and questionnaires. The results showed that financial literacy and location did not affect the interest in saving at Sharia Banks in the people of Perbaungan District. Trust, income and perception of profit sharing have a positive and significant effect on the interest in saving at Sharia Banks in the people of Perbaungan District. The need to expand the arrangement of data on Islamic banks such as sharia principles and products/goods in Islamic banks, so that interest in saving at Islamic banks will increase.

This research was motivated by the small number of customers at the Rahn Tasjily Agreement at Pegadaian UPS Manggis Bukittinggi. The purpose of this research is to find out how the Rahn Tasjily Agreement is implemented at the UPS Manggis Bukittinggi pawnshop and also to find out the obstacles faced in implementing the Rahn Tasjily Agreement. This research includes field study research with qualitative descriptive methods, and uses primary and secondary data sources, as well as data collection techniques through interviews, observation and documentation. The research results obtained by the author after analyzing the data are the marketing strategy implemented by the UPS Manggis Bukittinggi pawnshop in implementing the Rahn Tasjily Agreement, namely by using Crossselling, Upselling, Literacy. The pricing strategy is good. The implementation of the contract is also good, where the product is made to help people who want to borrow money for business capital, but in terms of promotion it is not optimal. The obstacles faced by the UPS Manggis Bukittinggi pawnshop in implementing the Rahn Tasjily Agreement are limited marketing time, inadequate promotional facilities and a lack of public understanding of the Rahn Tasjily Agreement.  

Economic life cannot be separated from the important role of the financial services sector in general and banking in particular. It is through this media that the aim is to realize a healty economy by empowering existing funds or investment potential in the community which can be channeled into various productive activities so that healthy economic growth can be achieved and avoid usury. There are several financing products such as mudharabah, ar-rahn, and qardhul hasan. Baitul Maal Wat-Tamwil to provide financing to small businesses cannot possibly be replaced by sharia banks, because it is impossible for sharia banks to operate in small scale financing, while the community needs small capital. The purpose of this study was to determine the effect of knowledge the intention to use murabahah financing in the Baitul Maal Wa-Tamwil Al-Ishlah, Jambi City, to determine the effect of public perceptions on yhe interest in using murabahah financing in the Baitul Maal Wat-Tamwil Al-Ishlah, Jambi City, and to determine the influence of public knowledge and perceptions of interest in using murabahah financing in Baitul Maal Wat-Tamwil, Jambi City. This research is a quantitative research, collecting data using questionnaires and questionnaires. The sampel for this research was the local community in RT 19, Simpang IV Sipin Subdistrict, Telanaipura District, Jambi City, totaling 86 peole. The reseacrh results show that the variables of knowledge and public perception influence interest in using murabahah financing. The results of calculating the coefficient of determination show that the variables of knowledge and public perception are 76,9% and 23,1% influenced by other variables outside this reseach.  

Banks that carry out their business activities based on sharia principles, or principles of Islamic law, are called sharia banks. As time goes by, Islamic banks are starting to have more Muslim customers. Bank BSI Kc Kualasimpang, for example, has active Muslim customers. Muslims are known to have great interest in Islamic sharia banking. BSI Bank Kc. Kualasimpang operates based on sharia principles and does not provide payment services. Because the data was obtained from direct observations at BSI Kc Kualasimpang, this is a type of field research. This study uses a qualitative methodology. Primary and secondary data were used in this research. Primary data consists of a description of the factors that influence non-Muslim customers. Secondary data consists of books related to the research topic. The author found two components: internal and external factors. The research results show that of the internal and external factors studied, the dominant external factors influencing non-Muslim customers' interest in BSI Kc Kualasimpang are promotion, service, location and social level. Work and motivation are internal factors. The more promotions and services offered by banks to non-Muslim customers, the more likely they will join an Islamic bank.

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).

Griya Takeover Financing is one of the financing companies owned by BSI KCP Kuta to meet customers' financial needs. However, this financing often encounters problems in the takeover process. The aims of this study are: to find out the factors that lead to a murabahah contract in the financing of a takeover griya at BSI KCP Kuta and to find out the process of financing the griya takeover at BSI KCP Kuta. The research method used is a descriptive qualitative method with data collection techniques through observation, interviews, and documentation. The data analysis technique used is the Miles and Huberman model, which includes data collection, data reduction, data presentation, and data verification. data validity technique with the triangulation technique. The results of the study found: 1) There are factors that cause a murabaha contract to occur, namely the presence of the object of the contract; 2) The murabaha contract process by submitting asset documents to the consumer as a sign of consent qabul with the consumer. And financing for takeover houses that are free from usury in accordance with the Fatwa of the National Sharia Council, MUI No.04/DSN-MUI/IV/2000, dated April 1, 2000, conceming murabaha.; 3) The process of financing takeover housing includes BSI having the terms and benefits of financing takeover housing. To attract consumer, as well as with light installments, one of the benefits of takeover financing at BSI is that consumers still feel able to meet other needs.

This community service activity aims to increase the awareness of the community around the IAIN Ambon campus regarding the importance of plastic waste management and maintaining environmental cleanliness. Through the Participatory Action Research (PAR) method, students of the Islamic Criminal Law Study Program at the Faculty of Sharia IAIN Ambon acted as facilitators in the socialization and implementation of plastic waste recycling activities. This activity included education on the negative impacts of plastic waste, waste sorting practices, recycled product creation, and waste cleanup actions. The results showed positive changes in community behavior towards the environment and improved students' skills in applying the amar ma'ruf nahi munkar principle. This activity not only had a tangible social impact but also strengthened the application of Islamic values in the context of environmental preservation.

This research was conducted to determine the effect of Fee Based Income and Minimum Statutory Reserves on the Profitability of PT. Indonesian Sharia Bank. The population used in this research is the financial statements of PT. Indonesian Sharia Bank. Meanwhile, samples were taken from the monthly financial reports of Bank Syariah Indonesia for 2020 - 2022 using purpusive sampling techniques. The results of this research show that the value of Tcount > Ttable or 5.865 > 2.03452 and the significant value of the Fee Based Income variable (X1) is 0.000 < 0.050, stating that partially the Fee Based Income variable has a significant effect on Profitability. The value of Tcount > Ttable or 7.901 > 2.03452 and the significant value of the Minimum Statutory Reserve variable (X2) is 0.000 < 0.050. Minimum Statutory Reserves have a significant effect on Profitability. Fcount > Ftable or 51,929 > 2.90 with a probability value of 0.000 < 0.050, it can be concluded that H0 is rejected and Ha is accepted, meaning that Fee Based Income and Minimum Statutory Reserves simultaneously influence Profitability.

Multipurpose financing is comprehensive financing where this financing is very much needed by the community where the financing is a consumer financing facility based on a Murabahah contract or multi-service ijarah contract for the purpose of purchasing halal goods and services obtained according to sharia, usually such as building materials, for house renovations, motorbike ownership. , education costs, and home equipment. This research aims to find out a procedure for having multipurpose IB Muamalat financing and to find out the steps taken to minimize the risk of customers defaulting on Muamalat financing. This research aims to describe several things, which include procedures for providing Multipurpose financing, problems in providing Multipurpose financing, and solutions to problems that occur in Multipurpose financing (PMG) at PT. Bank SUMUT Syariah Medan Katamso Branch Office. This research uses a descriptive method. The data source used is secondary data. The type of data used is qualitative data with the documentation used is a flowchart of procedures for granting Multipurpose Credit, and direct interviews by holding questions and answers to the head of the marketing division at PT. Bank SUMUT Syariah Katamso Branch Office. Based on the results of the analysis from this research, it can be seen that the procedure for providing Multipurpose Financing to PT. Bank SUMUT Syariah Medan Katamso branch office goes through several stages that have been determined by the bank. The stages in granting Multipurpose Credit are application/submission of financing, investigation and analysis of financing, financing decisions, rejection and approval of financing, binding of collateral and realization of financing

The issue of furu'iyah in the Islamic religion is indeed a very interesting study if we look closely, so sometimes it becomes a striking difference if it is understood one-sidedly, moreover it becomes an arena for endless debate so that sometimes we find groups that are not in line, claiming they do not follow the rules of the Islamic religion as a whole. Correct. Things like this should be straightened out by re-examining the correct legal basis so that those who practice it feel more confident in practicing it, as well as those who don't practice it and don't claim to be heretical or heretical to other groups. Likewise with the implementation of the Qunut prayer in prayer, there are differences within the Muslim community, there are some groups who perform it and also leave it out of the prayer sequence where it is sunnah to recite it. This does not happen without reason considering that there is a lot of Islamic literature that is used as a reference by each group which is indeed different from one group to another, whereas the differences in Islam as long as they do not go outside the corridors of sharia, let alone aqidah, are a blessing for the Islamic ummah itself.

This research was carried out based on data saying that Elzatta in the period from year to year experienced an increase in percentage as the brand with the best quality, it's just that in 2019 it experienced a slight decrease in numbers, this might have been due to the Covid-19 pandemic that hit the Indonesian nation at that time and of course slightly affected the brand process at Elzatta. Thus, based on the results of the initial observations and analysis above, which found a uniqueness in Elzatta using a sharia marketing strategy for their products, the researcher was compelled to describe this phenomenon, namely related to the Islamic marketing strategy implemented by the Elzatta store so that it continues to exist in the face of real world business competition This research uses a type of qualitative research by using data collection methods in the form of observations, interviews, and documentation. The technique of analyzing the data is by filtering the data, presenting the data, and cross-checking the data. While testing the validity of the data is done using triangulation techniques. The results of this study found that: 1. Elzatta's product sharia marketing strategy was carried out with three main strategies, namely: (1) Market segmentation; (2) Targeting and Positioning; and (3) combination strategy which includes: strategy in maintaining the product; price range strategy; strategy in choosing a point of sale; strategy in the field of product promotion; strategy in HR management; strategy in the easy shopping process; strategy in the marketing process through social media. 2. Supporting factors for the sharia marketing strategy for Elzatta products are due to several factors, namely: Maintaining service quality; Understanding customer needs and company needs through SWOT analysis; Neat employee appearance; Responsiveness in helping customers online/offline; Providing supplies/training to employees/SPG; Sensitivity to the development of global business competition. 3. The inhibiting factors for Elzatta's sharia marketing strategy are internal and external factors. Internal reasons, including: capital, promotion constraints in the field. Meanwhile, these external factors include: price competition and the promotion strategy of Elzatta Jambi's competitors.

This study aims to determine differences in company performance seen from the ratio of profitability, liquidity and activities before the merger and to find out the differences in company performance seen from the ratios of profitability, liquidity and activities after the merger. the population consists of Sharia Banking companies listed on the Indonesia Stock Exchange. The total number of companies in this population is 13 entities. The sampling technique uses the purposive sampling method and obtains the results of Islamic banking companies listed on the Indonesia Stock Exchange for the 2018-2022 period. The population of companies in this study was 4 before the merger and 1 after the merger. Data analysis used comparative analysis and descriptive statistical analysis using SPSS as a testing tool. The results of the study show that there are differences in the average ratio of liquidity and profitability ratios in ROI before the merger. Then there are differences in the profitability ratios on NPM, ROA, and ROE after the merger. Meanwhile, the activity ratio shows no significant difference either before or after the merger.  

This study aims to determine the effect of ujrah and tabarru' funds on investment income in Islamic life insurance companies in Indonesia for the 2016-2021 period, the effect of Ujrah on investment income in Islamic life insurance companies in Indonesia for the 2016-2021 period, the effect of Tabarru' funds on investment income in Islamic life insurance companies in Indonesia for the 2016-2021 period, do Ujrah and Tabarru' Funds affect investment income in Islamic life insurance companies in Indonesia for the 2016-2021 period, and how much influence do Ujrah and Tabarru' Funds have on investment income in life insurance companies sharia in Indonesia for the 2016-2021 period. The method used in this study is quantitative, by taking financial data samples from 6 companies in the 2016-2021 period, namely PT Asuransi Jiwa Manulife Indonesia, PT Prudential Life Assurance, PT Asuransi Takaful Keluarga, PT Asuransi Jiwa Sinarmas MSIG, PT Asuransi Jiwa Central Asia Raya. , PT. BNI Life Insurance Syariah. Based on the results of the calculation of the simultaneous regression coefficient test (Test f) it can be concluded that the variable Ujrah (X1) and Tabarru' Funds (X2) have an effect on investment income (Y), namely Fcount 159.129 > Ftable 3.28, with a significance value of 0.000 <0 ,05. And test the coefficient of determination (R2) of 0.900. This shows that the Ujrah and Tabarru Fund variables have an effect on investment income, namely 90.0%, while the remaining 10.0% is influenced by other variables that are not included and not examined in this study.