Universitas Islam Sumatera Utara

It is important to remember that credit risk is not only caused by the inability or unwillingness to pay from the debtor under normal circumstances. However, this can also be caused by other unexpected factors, such as natural disasters that have a direct impact on the debtor's business continuity.

Province of North Sumatra has tremendous potential of tourism. This tourism object can be enjoyed by tourists, both local and foreign. Some of the attractions of North Sumatra that can be visited are Lake Toba, Samosir Island, Sibolga Beach, Berastagi and Bahorok which is located in Langkat Regency.

Pascal: Journal of Physics and Science Learning has become a Crosref member and all articles published will have unique digital object identifier (DOI) Number: 10.30743. Pascal: Journal of Physics and Science Learning also has indexed by Google Scholar, Dimension, Garuda, Moraref.