This study aims to determine the potential and obstacles of the digital economy in developing MSMEs in the city of Medan and then reviewed from the perspective of Islamic business ethics. This study is a descriptive qualitative type that presents narrative data about objects found in the field. The subject of this study is the Medan City Cooperative and MSME Service and the object is the digital economy. This research is motivated by the Indonesian government's efforts to make MSMEs go digital coupled with the existence of a pandemic that forces economic activities to increasingly move towards digitalization so that MSMEs as a milestone in economic progress must actively move to follow the changing times. The data collection techniques used are interviews, observations, and documentation. The results obtained are: In the city of Medan, the digital economy system has been intensified for MSME actors, the Medan City Cooperative and MSME Service supports through consultation, training, and assisting MSME actors to develop their businesses digitally. Until now, there have been 3000 Medan City MSMEs that have registered as Fostered MSMEs at the Medan City Cooperative and MSME Service. This means that all the breakthroughs that have been made by the Medan City Cooperative and UMKM Service bring good news for the potential of the digital economy. However, in addition to all that, there are still many UMKM actors who are not aware of the digital economy, which is caused by low human resources, not yet technologically proficient, and still consider the system troublesome and choose to be stuck with a manual system.

This research is entitled "The Influence of BPJS User Health Services on Consumer Satisfaction at the Inanta General Hospital, Padang Sidimpuan City". The aim of this research is to determine the influence of BPJS User Health Services on Consumer Satisfaction at the Inanta General Hospital, Padang Sidimpuan City. The data collection technique uses a questionnaire. which was distributed to respondents using a probability sampling method with a simple random sampling technique using the Slovin formula with a sample size of 100 respondents who were BPJS patients at RSU Inanta, Padang Sidimpuan City. Data analysis techniques include t test, f test, multiple regression and determinant test. The results of the research show that the coefficient of determination (R Square) of the independent variable on the dependent variable is 0.388, which can be interpreted as 3.88% of the independent variable being able to explain the dependent variable. From the results of the partial significant test of the Direct Evidence variable, it is obtained that thitung is 1.412 < 1.99 from ttabel so it can be concluded that the Direct Evidence variable does not have a positive influence on consumer satisfaction. Responsiveness has a positive and significant effect on consumer satisfaction 2.632 with thitung 2.632 > ttabel 1.99 there is a positive influence on consumer satisfaction, guarantee of consumer satisfaction thitung 4.802> ttabel 1.99 has an effect on Consumer Satisfaction. Simultaneous results withFhitung >  Ftabel (20.251> 2.70), meaning that simultaneously direct evidence, responsiveness and guarantee have a positive influence on consumer satisfaction at RSU Inanta Padang Sidimpuan City.

This research aims to analyze business competition and the suitability of the marketing mix between minimarkets and retail wholesalers from an Islamic perspective. This research uses a descriptive qualitative approach with interviews. The results of this research show competition between minimarkets and retail wholesalers in the marketing mix. If you look at it from a product perspective, mini markets sell various types of products, while wholesalers are more limited. And in terms of price, minimarkets sell at more expensive prices than wholesalers. And in terms of promotion, minimarkets are more attractive than wholesalers. Second, the suitability of the marketing mix, business competition between minimarkets and retail wholesalers from an Islamic perspective. The products sold by minimarkets and wholesalers are halal certified. Price determination is in accordance with the quality and added value of each product and in accordance with Islam. In a business, honesty is very important in Islam and must be implemented well. In Islam, a place of business can be set up anywhere as long as the place is not in dispute.