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The Covid-19 pandemic has occurred. Since 2019, almost all countries in the world have experienced it. The Indonesian population is experiencing a pandemic that causes millions of people to experience difficulties, one of which is economic factors, namely in paying off debt or murabaha financing at Islamic banks and conventional banks. This is due to a decrease in daily income. If these conditions are not addressed properly, it will result in a decline in the economic growth of a country. This article aims to examine the application of the Qur'an Surah Al Baqarah verse 280 to the gift of restructuring murabahah financing to customers affected by the Covid-19 pandemic. The researcher used the literature review method. In addition, this study also uses a narrative analysis method to describe the reality that occurs in the field and conducts interviews with customers and the Bank. The research study conducted in this article shows that the application of Surah Al Baqarah verse 280 during the Covid-19 pandemic can be a solution to maintain the level of economic growth in Indonesia.

This research discusses the handling of problematic funding at Bank Syariah Indonesia KCP Sibuhuan. Based on observations in the field, many consumer financing problems, especially for certain products, arise due to various factors. The aim of this research is to find out the strategies used by Bank Syariah Indonesia KCP Sibuhuan in handling problematic financing for consumer products, as well as the factors that cause these problems and the steps that must be taken if these problems arise. Again. The research was conducted using a qualitative methodology, and the findings show that Bank Syariah Indonesia KCP Sibuhuan's approach to overcoming problematic financing in consumer financing products is to develop the company's human resources (HR), providing advice to clients via telephone and face-to-face conversations. visits, and perfecting the company website, all that remains is for the client to submit a Warning Letter (SP), chat with the client, develop a financing restructuring strategy, and finally implement the final handling strategy by selling the client's assets or collateral. Financial problems at Bank Syariah Indonesia KCP Sibuhuan are not caused by internal bank problems, but external factors such as customer lifestyle, layoffs, requests for other financing, unreliable customers, and work at bad companies. If an opportunity arises, problematic consumer goods are being refinanced at Bank Syariah Indonesia KCP Sibuhuan. This is done by assessing the money given, talking to all financial units, and avoiding problems with previous financing.

The purpose of this research is to find out how the legal rules regarding cooperation agreements in business activities are viewed from a business law perspective and what forms of cooperation in trade activities can be carried out by company management. By using normative juridical research methods, it is concluded: 1. The legal rules regarding cooperation agreements in business activities are reviewed from the perspective of business law, referring to Civil law, especially Article 1313 of the Civil Code, which states that "An agreement is an act in which one or more people bind oneself to one or more other people." So it is clear that agreements give rise to agreements, as well as the Trade Code and Indonesian laws and regulations in various forms of business entities. 2. Forms of cooperation in trading activities that can be carried out by company management, such as Mergers, Consolidations, Joint Ventures and Franchising. A merger is a combination of one or several business entities so that from an economic point of view they are one unit, without merging the merged business entities. Consolidation/merger between two or more business entities that combine themselves to merge into one and form one new business entity (consolidation). This aims to "make healthy" the business entity concerned or what is usually called restructuring. Joint Venture is an agreement between two or more parties to collaborate in an activity. Franchise Agreement in which one party is given the right to exploit and/or use the rights to intellectual property or inventions, or business characteristics owned by another party in exchange for compensation based on the terms and/or sale of goods and services. 1 Article. 2 Lecturers at the Faculty of Law, Unsrat, Manado. Master of Law.

Banking is one way to solve problems related to business finance. Banking is a place to provide financing to develop a business that is being worked on. According to the theory, Account Officers have an important impact on determining customers. The formulation of the problem in this study is How is the analysis of the role of the Account Officer in overcoming problematic financing at the BSI KCP Gatot Subroto bank? and How is the performance analysis of the Account Officer in overcoming problematic financing at the BSI KCP Gatot Subroto bank? This study uses a qualitative research method with a type of field study research. Data was collected through interviews, documentation and observation. The results of this study mention the role of the account officer in analyzing and processing financing applications at the BSI KCP Ponorogo bank including managing accounts, managing products, managing financing and managing sales by approaching debtors and the need for review at any time. The performance of the BSI KCP Gatot Subroto bank account officer in preventing problematic financing at the BSI KCP Gatot Subroto bank includes the financing application stage where the account officer gives time to prospective debtors to complete the requirements as a standard selection in financing, the financing proposal stage with reference to the selection of information obtained from existing social, the stage of providing financing facilities which shows that the account officer offers existing facilities based on the features of the selected prospective debtor, the financing stage which reviews the financing facilities by reviewing the financing facilities obtained by the prospective debtor or debtor. The efforts to resolve problematic financing at BSI KCP Gatot Subroto bank are financing restructuring which includes rescheduling.

Merger or in English it is called Merger is one of the methods carried out as part of restructuring in addition to various other forms. Merger is a new trend carried out by companies that are in the developing stage to develop a company to expand the company's target market. In carrying out a company merger, of course there is a company that is more dominant and stronger and on the one hand there is a company that is positionally weaker. So that the parties that carry out the merger are two companies that have dominance and a minority that are used to strengthen the company under one umbrella of business entity. If viewed from the financial aspect, the position is divided into two, namely majority shareholders and minority shareholders. . This of course results in unfair business competition so that in overcoming fair business competition in the financial aspect, legal protection must be given to weak parties in terms of Law No. 40 of 2007 concerning Limited Liability Companies, which UUPT provides legal protection minority shares stipulated in Article 37 Paragraph 1, Article 62, Article 126 with the aim of achieving usability, certainty and justice in accordance with legal objectives.

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.

The industrialization strategy exists to respond to challenges that are in line with Indonesia's vision of becoming a sovereign, developed, just and prosperous country. Changes in a country's economy are interpreted as a process of structural transformation. Structural changes in the modern economy include changes in agricultural to non-agricultural activities, from industry to services, changes in the scale of productive units, and changes from individual companies to legal entities, as well as changes in the working status of workers. Analyzing the data in this study is a descriptive research method. The sources used come from literature collected through websites, journals, Central Statistics Agency various relevant sources. In the agricultural industry, it is very important to identify value-added activities that will support the necessary investments through research in the aspects of marketing and processing, application of biotechnology, design and restructuring of distribution systems.  

This research is motivated by the demands of society for the Islamic banking industry to innovate and develop products and services in order to meet the needs and facilitate transactions. The purpose of this study is to describe the implementation of musha>rakah mutana>qis}ah financing products as a development of musha>rakah contracts. This study uses a field research methodology that is descriptive in nature. The research location is at the Bojonegoro Branch of the Indonesian Sharia Bank. This research was conducted using primary data sources obtained directly and secondary data sources obtained from other media such as books, journals and others. This study shows that the musha>rakah mutana>qis}ah contract has undergone restructuring, which should be intended for purchasing assets (houses, shop houses, motorcycles, cars and so on) but in its implementation, the object of musha>rakah mutana>qis}ah transactions between banks Indonesian sharia and customers are assets that are fully owned by customers, where previously the customer's assets were purchased in part by the bank to leave a portion of ownership (his}s}ah) of one rupiah for the customer. So here applies the shirkah amla>k ikhtiyari contract in the form of joint ownership of assets. Then the bank's portion is acquired by the customer by purchasing it in installments according to the agreement until it is paid off and the asset is fully owned by the customer again. This is hilah/engineering in the contract that aims to get the customer to get cash. Therefore, it is more appropriate if the financing is carried out using an 'inah sale and purchase agreement, in which the customer sells his assets to the bank in cash, then the customer buys them again from the bank in installments according to the agreement. The law of buying and selling 'inah is permissible according to Syafiiyah scholars.

Analisis Yuridis Pengawasan Otoritas Jasa Keuangan Atas Restrukturisasi Pinjaman Dalam Masa Pandemi Kota Batam (Studi Penelitian Di BPR Dana Fanindo Kota Batam), sudah dilaksanakan sebagaimana mestinya, sesuai dengan Undang-Undang Nomor 10 Tahun 1998 Tentang Perbankan dan Undang-Undang Namor 21 Tahun 2011 Tentang Otoritas Jasa Keuangan; Kitab Undang-Undang Hukum Perdata (KUHPer). dan adanya faktor penghambat Protokol Pandemi Covid-19. Kualifikasi/jenis penulisan jurnal ini menggunakan jenis penulisan hukum normatif, dan untuk selanjutnya sekaligus mengintegrasikannya dengan penulisan hukum yang bersifat sosiologis/empiris, dan untuk menganalisis beberapa