This study aims to determine, describe, and analyze the role of Village Owned Enterprises (BUMDes) in supporting village economic independence, as well as to determine the obstacles and success of BUMDes.  The improvement of the rural economy is carried out by the village government through various programs with the aim of community welfare.  BUMDes management is fully implemented by village communities who take on roles, namely from the village, by the village, and for the village.  In analyzing research data using qualitative descriptive methods, only describe the results of interview questions in the field.  The results of the study indicate that BUMDes which has formed an entrepreneurial business entity in the form of a tofu factory has an important role in supporting village economic independence because the village economy is able to become the main center for improving village development progress.  Some of the obstacles that occur in BUMDes due to the lack of human resources and the large rental costs can now be overcome by the increasingly significant profits of BUMDes.

Bank Syariah Indonesia KC Padangsidempuan was previously a Bank Mandiri Syariah which eventually merged to become a part of the Branch Office of Bank Syariah Indonesia. Where operational sharia banks and their products are developed on the basis of the Qur'an and Hadith, strengthened by laws, BI regulations and DSN-MUI Fatwas. In this study, we will discuss specifically one of the financing products that can be said to be of great interest to the local community, namely the Gold Pawn Financing. In writing the researchers used techniques such as data collection in the form of observation, literature study and interviews. Furthermore, the method in this research is a qualitative approach. The purpose of this paper, the researcher hopes that the reader can find out more clearly the flow of the Gold Pawn financing process at Bank Syariah Indonesia KC Padangsidempuan The conclusion in this study is about the Islamic Pawning Financing Mechanism at PT Bank Syariah Indonesia Padangsidempuan Branch Office where researchers will discuss the legal basis and pillars in Sharia Pawn financing, the mechanism for applying for Pawn Gold financing, the implementation of the handover of goods and collateral documents, and those related to Sharia Pawn settlement system before/after maturity.