This research discusses the influence of fertilizer prices, CPO prices, FFB selling prices on the welfare of palm oil farmers from an Islamic economic perspective. This research aims to determine the influence of fertilizer prices, CPO prices, FFB selling prices on the welfare of palm oil farmers from an Islamic economic perspective. This research data is primary data obtained directly from the first source, both from individuals and individuals, such as the results of filling out questionnaires and observations. The data analysis technique used is multiple linear regression analysis using SPSS (Statistical Package For Social Science) 23 software. The results of the research conducted show that fertilizer prices have a positive and significant effect on the welfare of oil palm farmers in Pematang Bandar District, Simalungun Regency. CPO prices have a positive and significant effect on the welfare of oil palm farmers in Pematang Bandar District, Simalungun Regency. The selling price of FFB has a positive and significant effect on the welfare of oil palm farmers in Pematang Bandar District, Simalungun Regency.

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.