This research aims to analyze the implementation of the mudharabah contract in pension fund management at BSI KC Rantauprapat. The research method used is qualitative with a case study approach. Data were obtained through interviews with the Branch Operation & Service Manager of BSI KC Rantauprapat and document analysis. The results showed that BSI KC Rantauprapat applies the mudharabah muthlaqah contract to its pension savings product, providing flexibility in fund investment. The associated risks are managed through investment diversification and strict supervision. This study highlights the need for more comprehensive regulations to support the development of Islamic pension funds. Recommended development strategies include increased education, product innovation, and strengthened risk management.

The purpose of this study is to find out how the implementation of the E-Planning application in the Regional Development Planning Agency (BAPPEDA) of North Sumatra, the obstacles in implementing the e-planning system. This type of research is a qualitative descriptive study using interviews in data collection. The research method used in this study uses a qualitative research type with locations in North Sumatra BAPPEDA. The methods used are observation, interviews, and documentation. The results of the study show that in practice the implementation of the e-planning system has been carried out well, but there are several obstacles, namely, human resources that are not evenly distributed in regional development planning, inconsistency in development planning due to political pressure and frequent changes that occur. The way for North Sumatra BAPPEDA to overcome these obstacles is by conducting training, implementing e-planning and following changes quickly and precisely.

Penelitian ini bertujuan untuk mengetahui penerapan nilai-nilai etika bisnis Islam pada perusahaan properti syariah dan kendala yang dialami perusahaan dalam menerapkan etika bisnis Islam. Penelitian ini dilakukan dengan menggunakan metode pendekatan deskriptif dengan analisis data kualitatif. Lokasi penelitian di PT. Noor Eeman Nusantara yang berlokasi di JL. STM. No. 10 Medan Johor, Medan, Sumatera Utara. Sumber data merupakan data primer dan data sekunder dengan teknik pengumpulan data berupa observasi, wawancara, kuesioner/angket, dan dokumentasi. Hasil dari penelitian ini adalah telah sesuai dan telah menerapkan nilai-nilai etika bisnis Islam diantaranya perusahaan PT. Noor Eeman Nusantara sudah menjalankan prinsip Tauhid, Keseimbangan, Kehendak Bebas, Pertanggungjawaban, dan Hikmah. Kendala yang dialami dalam menerapkan etika bisnis Islam adalah kurangnya pemahaman masyarakat akan bahaya riba, sering terjadinya penipuan properti syariah, dan pandemi Covid-19 yang masih terus berlanjut menyebabkan banyak masyarakat yang kehilangan pekerjaan. Kesimpulan penelitian ini adalah pertama, penerapan nilai-nilai etika bisnis Islam pada PT. Noor Eeman Nusantara telah diterapkan dengan baik, karena perusahaan ini berpedoman kepada Al-qur’an dan Hadis. Kedua, Kendala penerapan etika bisnis yang dialami oleh PT. Noor Eeman Nusantara masih dapat diatasi dengan mencari solusi di setiap permasalahan yang terjadi.