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A house is a basic human need, many people are rarely able to save in cash due to rising house prices. By providing pawn products (Home Ownership Credit), the Bank acts as a mediator between the interests of home buyers and sellers in this situation. However, Muslims are not allowed to use the usury transaction interest system used by mainstream banks. For Muslims who want interest-free financial services, the rise of Islamic banking is a good thing. However, the fact that sharia banking has not been able to match conventional banks in Indonesia is proof that the majority of Muslim communities there do not have full confidence in using sharia banks. Based on this, the author looks at and discusses how murabahah contracts are used in sharia finance at the Bank Sumut Syariah Lubuk Pakam Branch Office. The aim of this qualitative descriptive research which combines case study theory is to describe the implementation of the murabahah contract and determine its impact on sharia financing at Bank Sumut Syariah Lubuk Pakam Branch Office. To gather information regarding the use of murabahah contracts in Islam, the data collection approach uses interview procedures, namely questions and answers to officers, employees and authorized parties (in authority), as well as documentation. Descriptive techniques are used in data analysis procedures. The research findings, the application of the DSN-MUI fatwa regarding murabahah, turns out that the DSN-MUINo.04/DSNMUI/IV/2000 fatwa was followed in the case of murabahah financing for subsidized housing mortgage financing carried out by the North Sumatra Syariah Bank, Lubuk Pakam Branch Office.

The researcher is interested and aims to investigate and analyze the mechanism for handling problematic financing implemented by Bank Sumut Syariah, especially at KCP Kota Baru Marelan. This research adopts a type of field research with a focus on phenomena or symptoms that occur in the field related to problematic financing in Sharia Home Ownership Credit (KPR) products provided by PT. Bank Sumut Syariah, especially at the Sub-Branch Office (KCP) Kota Baru Marelan. The results of this research are based on observation and scientific logical analysis of data collected from the field. Based on in-depth discussions, Bank Sumut Syariah, especially at KCP Kota Baru Marelan, has implemented a mechanism for handling problematic financing by paying attention to sharia principles. This process involves proactive communication, involvement of sharia experts, and customer openness. Customers, as represented by Mrs. Nilam Kurnia, gave positive testimony regarding the bank's approach in handling problematic financing.

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.

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 purpose of this study is to understand the restructuring mechanism in solving problematic murabahah financing at Bank Sumut Syariah KC Medan Katamso. This research uses descriptive qualitative method. The source of the data obtained and used in this study was obtained directly at the research location at PT Bank Sumut Syariah KC Medan Katamso. This study uses primary data. In addition, in this study, raw data was also collected in the form of secondary data, such as evidence, documents or historical reports, documents, archives, whether published or not. The data collection that the writer did was through observation, interviews and document studies. Observations were made through direct observation at PT Bank Sumut Syariah KC Medan Katamso. Interviews were addressed directly to the Business or Marketing division of PT. Bank Sumut Syariah KC Medan Katamso according to the information needs by answering the questions raised by the author. Document research conducted by the author is in the form of written data or other documents needed by the author. After doing the research, it can be concluded that the North Sumatra Sharia KC Medan Katamso Bank in implementing the restructuring mechanism there are principles that must be followed in resolving problem financing contained in Bank Indonesia Regulations and can be said to be good. The principles applied by Bank Sumut Syariah KC Medan Katamso are in accordance with Bank Indonesia Regulation No. 13/9/PBI/2011 concerning amendments to Bank Indonesia Regulation Number 10/1/PBI/2008 concerning Financing Restructuring for Sharia Banks and UUS. Namely, rescheduling, reconditioning, and restructuring.

Kepemimpinan sangat dibutuhkan dalam menjalankan suatu organisasi termasuk dalam mengelola perbankan syariah. Kepemimpinan mampu mempengaruhi kinerja karyawan sehingga akan berdampak pula pada hasil kerjanya. Penelitian ini dilakukan di bank Sumut syariah kantor cabang pembantu stabat. Jenis penelitian ini adalah penelitian kuantitatif. Metode pengumpulan dengan cara observasi, wawancara, angket dan dokumentasi. Populasi dalam penelitian ini adalah karyawan Bank Sumut Syariah KCP Stabat, sedangkan Jumlah sampel dalam penelitian ini sebanyak 25 yaitu para karyawan yang ada di karyawan Bank Sumut Syariah KCP Stabat. Hasil penelitian menunjukkan bahwa Hasil uji statistik menunjukkan bahwa baik secara parsial maupun secara simultan variabel bebas yang diteliti yaitu kepemimpinan (X) berpengaruh signifikan terhadap Kinerja Karyawan (Y) karyawan PT. Bank Sumut KCP Stabat. Pengaruh Kepemimpinan (X) dan Kinerja (Y) karyawan PT. Bank Sumut KCP Stabat sebesar 83,4%, sedangkan sisanya sebesar 16,6% (100% - 83,4%) dipengaruhi oleh variabel-variabel lain. Kepemimpinan memiliki arah yang positif terhadap kinerja karyawan PT. Bank Sumut KCP Stabat.