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This research aims to determine the influence of Financial Performance Analysis on Credit Granting Decisions at Bank Mandiri KCP Belawan. This research uses a qualitative descriptive research method. Data collection techniques through observation, interviews and documentation. The results of this research are that the factors that can make a credit application accepted by the bank are (1) the debtor already has an official business license and NPWP, (2) the debtor must have 50% capital before applying for credit and the business is managed directly by the debtor himself. , (3) The debtor must be cooperative and open when asked about his efforts to arrange credit, (4) The debtor has never had a history of arrears in payments. (5) The debtor has never been involved in legal problems, (6) The value of the collateral provided by the debtor must be in accordance with the market price when applying for credit, (7) The established business has been running for approximately 1 year, (8) The business location is convenient accessible to local residents. If a business has no debt (current debt = 0), neither the current ratio nor the quick ratio can be calculated in the usual way and is considered undefined or infinite, then this shows that the business has a very strong liquidity condition because there are no liabilities. short term needs to be met.

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