The theme of the article is the banks and financial institutions. This study aims to assess the financial performance of existing BPRS in Central Sumatra, and predict the potential for bankruptcy in the BPRS. The method used to assess financial performance is to assess the performance of Capital, Efficiency, Liquidity and Profitability in the period of financial statements 2013-2015. While the potential for bankruptcy is done by using the Altman Z-Score method. The results showed that there were two potentially bankrupt BPRS.

The theme of the article is the banks and financial institutions. The research objective was to determine strategies in collecting and distributing funds on BMT Al-Hidayah. The study was qualitative. Research technique is triangulation. The focus of the study was to determine the strategy that is used in collecting and distributing funds. Results of the study are: the collection and distribution of funds strategies used are: 1) Direct the place of prospective customers, 2) Social Care, 3) Marketing, and 4) Spread the brochure.

The theme of the article is the banks and financial institutions. Islam has shown how to look for halal sustenance in the form of instructions that can be understood through the rules that are understood by the scholars in the running of the economy based al-Ghanam bi al-gharam (dare to take profits and bear the losses) that is based on justice. Financial institutions is an important sector in a country that manages foreign exchange and provides services in the areas of finance, such as loans, insurance, production in various forms. individual or group of people can not be separated from the corridor and road rules. Bank Islam is growing in the midst of a system that forced him to comes the question of Islamic banks could face challenges, whether Islamic banks could take advantage of the excess savings that come from Muslim and non-Muslim communities, what is the best way to be traversed by the Islamic bank in the future. This paper aims to explain the problems and challenges faced by Islamic banks Modern and instill hope and vision of the future for Islamic banks in the future we expect the Islamic banks can face the challenge that comes from all directions.Let the money market established a large money market which can accommodate investment of surplus in Islamic banks and issued securities as supporters. Murabaha trading away that there are elements of fraud.

The theme of the article is the banks and financial institutions. Nowadays the banking industry is entering a period where competition has become very competitive. Competition is such a great challenge for every company. Hence a strong work discipline is required from every employee in order to survive and win the competition The main objective of this research is to thoroughly determine The Influence of Work Discipline on Employee Performance at BPR Rokan Hulu. The sampling technique used is census method where the whole population is taken into account in which in this research amounted to 41 respondent. The recapitulation result of respondents answer on Work Discipline (X) get average value 3.64 and Results Summary of Answers the respondents about Employees Performance (Y) get average value 3.79 . This result indicates that the criteria of respondents answer is agreed. Based on the research result, Work Discipline influences significant of the Performance of Employees. It shows the significant influence of Work Discipline on Employee Performance. This refers to t count > t table which is 10.770 > 2.023, then H1 is accepted. This is proven by testing the Coefficient of Determination (R2) with a yield equal to 74.8%.

The theme of the article is the banks and financial institutions. The study aims to determine the effect of service quality on customer satisfaction, and to know the difference. The study was conducted in the city of Pekanbaru. The sample was 100 respondents. The analytical method used is multiple linear regression analysis. The results showed: The quality of service has a positive effect on customer satisfaction.

The research theme is the financial and banking institutions. The study was conducted in West Sumatra. The research objective is: to look at the factors that affect the interest of the customer to save money in Islamic banks. Research using factor analysis. Samples used in this study are as many as 250 customers. Results of the study are: There are 4 factors that consist of 16 variables that have a value above 0.5, namely: Factor 1 (Age and Lifecycle, Beliefs and Attitudes, Motivation, Personality and Self-Concept, Lifestyle and Learning). Factor 2 (Perception, Reference Group, Social Class, Role and Status). Factor 3 (Product, Price, Promotion and Place). Factor 4 (Culture and Family).

The theme of the article is the banks and financial institutions. Several studies have also found that various LKMS financing products also provide incentives and disincentives to the trend of stalled installment financing. This study highlights the impact of characteristics such as: risk and religiosity preferences, which may differ from individual beneficiaries of financing to sharia microfinance institutions (LKMS) to the probability of stalling their financing. The study was conducted by taking primary data in the form of samples of 60 customers who received financing from 1 LKMS but consisted of 30 debtors who experienced financing installment defaults and 30 went smoothly. The process of collecting data uses a questionnaire containing questions about basic demographics, in addition to questions aimed at raising Islamic risk and religiosity preferences. In addition, the impact of external environmental characteristics is also estimated by using probit regression. Group-based financing, which is one of the objectives of reducing adverse selection, can have the opposite effect. Ineffective group roles for various reasons, contagion can be a trigger for moral hazard for other group members. The study found that in addition to religiosity, as an internal factor, the effectiveness of financing groups as a timely external factor of timely payment compliance also plays an important role.

The theme of the article is the banks and financial institutions. This study aims to determine the implementation of Islamic rules in the management of "zakat profesi". Management views of managers understanding of the principles of Islam. The research is qualitative descriptive. Data collection using interviews, observation, and documentation. Resource is the management and participants "Program Peduli Dhuafa". The results showed the “zakat profesi” management has implemented the rules of Islam. In executing the management has implemented four properties ie Muhammad SAW: siddiq, amanah, tabligh and fathonah.