Profitability (ROA) is an important ratio in every company's financial statements. Profitability (ROA) reflects the ability to earn profits through funds invested in overall assets that produce profits. Profitability in a bank cannot be separated from the components in the financial reports such as total financing disbursed, financing problems faced by the bank, and so on. This research uses quantitative data based on secondary data obtained from quarterly financial reports. With all the profitability of Sharia Commercial Banks in Indonesia as the population and using purposive sampling as a sampling technique, the number of samples obtained in this research was 60 quarterly financial reports with an observation period of 20 quarterly financial reports for 5 years, for the period 2018- 2022 . The analytical method used in this research is multiple linear regression, R^2 test, t test and F test. The results of the study found that partially NUC financing had no positive effect on profitability (ROA), NCC financing had no negative effect on profitability (ROA). , and NPF have a significant negative effect on profitability (ROA). Simultaneously NUC, NCC, and NPF influence profitability (ROA).

Rice has a very important role in the life of the Indonesian people in terms of the economic, labor, social, cultural and political aspects of rice issues. This is not a simple matter and is very sensitive so that it must be handled carefully. Therefore, the government gave authority to Perum Bulog, the North Sumatra Regional Office, in this case to continue to carry out its role in maintaining price stability. The discussion of this research relates to the field of Islamic economics in the review of the maqashid sharia framework. So that the approach taken is theories related to price, price fixing, price stability, policy, and maqashid sharia. This research uses descriptive qualitative method. Data collection was carried out by interview, observation, and documentation techniques. The data is analyzed through market operating policy indicators, government rice reserves and warehouse standards. The results of the study show that the role of the North Sumatra Regional Office of Bulog in the rice price stability policy is known based on the policy letter regarding rice contained in the Regulation of the Minister of Trade of the Republic of Indonesia Number 127 of 2018 concerning Management of Government Rice Reserves for Availability of Supply and Price Stability. Bulog's policy relates to maqashid sharia because the North Sumatra regional office of Bulog has a role as well as a policy aimed at the benefit of the ummah, namely dzaruriyat, hajiyyat and tahsiniyat. Factors supporting Perum Bulog Regional Office of North Sumatra in stabilizing rice prices are changes in the market operating season (OP) and quality specifications that must be met. Inhibiting factors are disturbances due to changes in the timing of the harvest season, rising grain prices and phenomena such as natural disasters.

This study aims to find out how the influence of the expansion of oil palm plantations has on social, economic and environmental changes in communities in several villages in Batahan District, Mandailing Natal Regency. Socio-economic in this case are education, income, health and development, while the environment is the environmental conditions in an area. This research is a descriptive qualitative research. The data used is primary data, data collection techniques using observation, interviews and documentation, and data analysis in this study is descriptive qualitative. Qualitative descriptive analysis or inductive thinking, which departs from facts or events that are empirical in nature and then examines and analyzes these findings so that they become general conclusions and generalizations with evidence of their implementation, then examines all the collected data. The results of the study show that the expansion of oil palm plantations has good social and economic impacts for the community, namely in terms of education, income, health and development. However, it has a bad impact on the environment, because it can cause environmental pollution and damage to soil and water.