The level of Non-Performing Financing at Islamic Banks is higher than conventional banks, while in terms of total assets, Islamic Banks are smaller. This study aims to analyze the effect of exogenous variables consisting of the level of inflation and the exchange rate of the rupiah against non Performing Financing in Islamic banks. This study uses time series data from 2016-2018. The population in this study consisted of Islamic Commercial Banks. The sampling technique used in this research is purposive sampling technique. The data analysis technique used is Multiple Linear Regression. The results showed that the inflation variable had a positive and significant effect on Non Performing Financing. While the Exchange Rate has no effect on Non Performing Finance. Meanwhile, simultaneously the two independent variables affect the independent variables.

Tabungan berperan penting dalam peningkatan ekonomi nasional maupun regional. Penelitian ini bertujuam menganalisis pengaruh PDRB, BI Rate dan IPM terhadap tabungan pada Bank baik secara parsial maupun simultan. Analisis data panel digunakan terhadap data di Provinsi Sumatera Utara dengan variabel penelitian yang identic. Penggunaan data skunder pada penelitian ini berdasarkan pada data time series dan cross section dari tahun 2010-2020. Selain itu, untuk melihat pengaruh variabel penelitian khusus di Kabupaten Langkat digunakan model regresi linier berganda. Data diolah dengan bantuan program eviews versi.11 dan lulus uji masalah asumsi klasik serta uji normalitas data. Temuan awal dalam penelitian ini adalah variabel IPM berpengaruh signifikan pada tabungan pada bank di Sumatera Utara, Sedangkan variabel BI Rate dan PDRB tidak berpengaruh terhadap tabungan, namun pada taraf signifikansi 10% untuk variabel BI Rate berpengaruh. Temuan lanjutan yaitu terdapat pengaruh signifikan variabel PDRB dan IPM terhadap Tabungan masyarakat di Kabupaten Langkat. Sedangkan variabel BI Rate tidak berpengaruh terhadap Tabungan masyarakat Kabupaten Langkat. Secara simultan seluruh variabel bebas penelitian berpengaruh terhadap variabel terikat.

This community service activity is one of the implementation of the tri dharma of higher education carried out by the Jam'iyah Mahmudiyah Islamic High School Tanjung Pura Langkat. The purpose of this community service activity is to provide knowledge and understanding to MSME actors in managing their finances. Financial management assists MSME actors in ensuring the sustainability of their business. The main problem faced by MSME actors in managing their finances is the lack of knowledge and the tendency for traditional financial management to be done. Therefore, financial management training activities are needed to answer the problems faced by MSME actors. The community service method used in this activity is the participation method. Financial management training was applied to MSME actors in Langkat Regency, especially in Bubun Village, Tanjung Pura District. The result of this community service activity is that the training participants gain knowledge and understand how important financial management is and how to manage finances professionally. Keywords: Financial Management, MSMEs, Training

The Influence of Marketing Mix On Customer's Decision To Saving At PT. Bank Muamalat Indonesia Branch Stabat Officer. Asmawarna Sinaga and Anjur Perkasa Alam. Methods of data collection is done through questionnaires distributed to customers at Bank Muamalat KCP Stabat. Samples taken as many as 100 respondents of Bank Muamalat customers with probability sampling technique, the data obtained then processed using SPSS tool version 17 and analysis by using multiple linear regression analysis. This analysis includes reliability test, validity test, multiple linier regression test, hypothesis testing through Ttest, Ftest, and coefficient of determination (R2) and classical assumption test. Ttest results show that Product, Location, Promotion, People have a positive and significant impact on customer's decision to save at Bank Muamalat. While Physical Evidence does not significantly influence the decision of customers to save at Bank Muamalat. Ftest shows that product, location, promotion, person, and physical evidence simultaneously have a significant effect on customer decision to save at Bank Muamalat.

This study aims to analyze the influence of tourist visits on the welfare of the community around the tourism object (study on the community around the religious tourism object in Tuan Guru Besilam Babussalam Village). The source of this research data was obtained through a questionnaire given to the respondents. Processing and analysis of data in this study using SPSS 22.0 and Microsoft Office Excel. The results showed that tourist visits had a significant effect on the welfare of the community around the tourist attraction by 66%.