Economic development during the pandemic is very slow. This article aims to find out various economic sectors that can be further developed through advances in digital technology during the pandemic in Mendala village, Kec. Sirampog. In Mendala village there are many micro, small, and medium enterprises (MSMEs) that have the characteristics of the products they produce. This is an opportunity for them to develop their business. Advances in technology can help them to be more advanced, but due to limited knowledge, their development has not been seen. In addition to MSME participants, the sector that is most affected by the pandemic is the tourism sector. In Mendala village several tourism places have potential. One way is by utilizing digital technology, such as social media and others. During the pandemic, the number of visitors to each tourism place is greatly reduced. Therefore, by using digital technology, it is hoped that it can attract visitors and can help people in the economic sector.

Dalam lembaga keuangan perbankan syariah, pembiayaan merupakan aset yang sangat besar sehingga pembiayaan tersebut harus dijaga kualitasnya dengan mendasarkan pada prinsip kehati-hatian. Prinsip kehati-hatian adalah pedoman pengelolaan Bank yang wajib dianut guna mewujudkan perbankan yang sehat, kuat dan efisien sesuai dengan ketentuan peraturan perundang-undangan. Penerapan prinsip kehati-hatian oleh Bank syariah salah satunya diwujudkan dalam melakukan analisa pembiayaan yaitu menganalisa keyakinan atas kemauan dan kemampuan calon nasabah untuk melunasi seluruh kewajibannya pada waktunya, sebelum Bank Syariah menyalurkan dana kepada nasabah Penerima Fasilitas”. Keyakinan tersebut diperoleh dari penilaian dengan seksama terhadap watak, kemampuan, modal, agunan, dan prospek usaha dari calon nasabah penerima fasilitas (character, capacity, capital, collateral, condition). Bank syariah dalam memberikan pembiayaan berharap bahwa pembiayaan tersebut berjalan dengan lancar, nasabah mematuhi apa yang telah disepakati dalam perjanjian dan membayar lunas bilamana jatuh tempo. Akan tetapi bisa terjadi dalam jangka waktu pembiayaan timbul pembiayaan bermasalah. Upaya yang dilakukan oleh Bank Syariah untuk menangani pembiayaan bermasalah dengan melakukan penyelamatan pembiayaan bermasalah dengan upaya restrukturisasi apabila nasabah masih mempunyai itikad baik dalam arti masih mau diajak kerjasama dalam upaya penyelamatan pembiayaan bermasalah, akan tetapi jika nasabah sudah tidak beritikad baik dalam arti tidak dapat diajak kerjasama dalam upaya penyelamatan pembiayaan bermasalah maka bank syariah akan melakukan upaya penyelesaian pembiayaan bermasalah.In Islamic banking financial institutions, financing is a very big asset that the funding should be maintained based on the quality of the precautionary principle. The precautionary principle is Bank management guidelines that must be adhered to, in order to create a sound, robust and efficient in accordance with the provisions of the legislation. Application of the precautionary principle by Islamic banks one of which is manifested in the analysis is to analyze the financing of confidence in the willingness and ability of prospective clients to settle all its obligations in time, before the Islamic Bank disburses funds to customers Recipient Facility". The confidence gained from assessment against characteristic carefully, capability, capital, collateral, and business prospects of the receiving facility prospective customers (character, capacity, capital, collateral, condition). Islamic banks provide financing hope that funding is running smoothly, customers comply with what was agreed in the agreement and paid when due. But it can happen in the financing period financing problems arise. The efforts made by the Islamic Bank to deal with the problem offinancing the rescue financing problems with restructuring efforts if the customer still has a good faith within the meaning want to be invited to cooperate in the effort to rescue financing problems , but if the customer has not acted in good faith in the sense of cooperative in an effort to rescue the troubled financing Islamic bank will make the financing problems solving.