The purpose of this research is to determine the effect of DPK, NPF, and SBIS either partially or simultaneously on the distribution of Islamic banking financing in Indonesia. In this research , using quantitative methods and the type of data used is secondary data. The sample used in this study is data on total financing, DPK, NPF and fund placement in Islamic Commercial Bank SBIS which are contained in the monthly Islamic Banking Statistics published by the Financial Services Authority for the period 2015 - 2019. The data analysis technique used in this study is test classical assumption, multiple linear regression and hypothesis testing. The results of this study were processed in the SPSS 22 program.The results showed that partially (t test) the DPK variable had a positive effect on the distribution of financing. This was evidenced by the t count (56.185)> (1.67252) t table and the sig value. 0.000 < 0.005. The NPF variable has a negative effect with t count (-3.914) <(1.67252) t table and sig. 0.000 < 0.005. The SBIS variable has no effect, as evidenced by the t count (1.536) <(1.67252) t table and the sig value. 0.130 > 0.005. Taken together (F test) shows that DPK, NPF, and SBIS have a significant effect on financing distribution as evidenced by the value of F count (1565,122)> (2.77) F table and sig. 0.000 < 0.005. The adjusted R2 value is 0.988, which means that the DPK, NPF and SBIS variables affect the distribution of financing by 98.8% while the remaining 1.2% is influenced by variables outside of this research .

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Religion for some people in the world is a guideline for determining the direction to be directed in their life. In life in this world, the most important thing is a peace of mind and body in society. In keeping up with the current changes, a good reasoning process is urgently needed as a solution to addressing this to break the chain of the spread of the Covid-19 outbreak. Moderate Islam is a teaching that is able to keep up with the times and does not abandon the teachings afterwards. So that Moderate Islam is a religion that is able to balance the movement of changes in life in society. The understanding of moderate Islamic values is currently being eroded by the changing times, so that many young people tend to be pragmatic, exclusive and intolerant in responding to the situation and conditions of the Covid-19 pandemic which is spreading so rapidly today.

The spread of the Covid-19 virus in Indonesia has an impact on all sectors, and one sector that is currently experiencing a significant impact is the economic sector. Universitas Muhammadiyah Sumatera Utara (UMSU), is an A-accredited private campus, which now still provides fixed salaries and incentives, there is no reduction even though the spread of covid has an impact on all sectors. Many private campuses in Medan City have reduced the salaries of their employees, and even removed some incentives to reduce the budget used, but not for UMSU which still provides obligations and other incentives. In this case, it means that the welfare of Muhammadiyah University employees is still being considered by the leadership stakeholders, but from the observations made, researchers see a decrease in infaq obtained by LAZISMU Medan City. Therefore, the researchers want to see the relationship between the spread of the Covid-19 virus and the philanthropy embraced by employees of UMSU. The Islamic philanthropy is in form of infaq and alms. The research is descriptive qualitative research, which the results obtained will be described or narrated in accordance with the rules of qualitative research. From the results obtained, that there was a shift in Islamic philanthropy carried out by UMSU employees, this happened only a few months after the outbreak of Covid-19 which spread in the city of Medan.

Artikel InfoThe purpose of this study was to find out whether sharia hotels in the Medan city had implemented the MUI Fatwa, related to halal tourism. The method used in the study is a qualitative method, comparing the theory with the events in the field. The results obtained, that sharia hotels in the city of Medan have implemented regulations issued by the MUI on halal tourism, which is regulated in No.108 / DSN-MUI / X / 2016. This is shown by the facilities of places of worship such as mushalah, the unavailability of food and drinks, the pornography sites that are on the internet access, not receiving guests who are not Muslims. AbstrakTujuan penelitian ini adalah untuk mengetahui apakah hotel syariah di kota Medan telah menerapkan Fatwa MUI, terkait dengan pariwisata halal. Metode yang digunakan dalam penelitian ini adalah metode kualitatif, membandingkan teori dengan peristiwa di lapangan. Hasil yang didapat, bahwa hotel syariah di kota Medan telah menerapkan peraturan yang dikeluarkan oleh MUI pada pariwisata halal, yang diatur dalam No.108 / DSN-MUI / X / 2016. Hal ini ditunjukkan oleh fasilitas tempat ibadah seperti seperti mushalah, tidak tersedianya makanan dan minuman, situs pornografi yang ada di akses internet, tidak menerima tamu yang bukan Muslim. Kata Kunci: Fatwa MUI Pariwisata Halal, Hotel Syariah A. Pendahuluan 1.1. Latar Belakang Pariwisata. merupakan. salah. suatu komponen dalam pembangun sebuah perekonomian yang ada pada setiap negara. Sebab, dari sektor wisata, sebuah negara dapat mendapakan keuntungan atau devisa yang masuk ke negara, lebih besar dibanding dengan yang lainnya. Untuk itu, kini banyakCopyright 2018. Intiqad: Jurnal Agama dan Pendidikan Islam. This is an open acces article under the CC-BY-SA lisence (https://creativecommons.org/licenses/by-sa/4.0/).