Islamic banking in Indonesia has been regulated in the law, namely Law number 10 of 1998 concerning amendments to Law number 7 of 1992 concerning banking. As time goes by, the existing Islamic banking practices are starting to be questioned, questioned, and criticized, because there are those considered deviant even out of the sharia corridor itself. Against various problems that exist in Islamic banking, it needs to be addressed appropriately. By understanding the nature of the principle of tadrij fii tasyri, we are required to better understand and focus on the processes and stages in the implementation of syariah banking. So that with all the problems of Islamic banking faced now, it must be understood that this is still the stages, not the end and purpose of the application of Islamic banking it self. However, the main problem in the implementation of Islamic banking is the commitment. Islamic banking is in a comfortable zone with its current format. Efforts to implement Islamic banking are still half-hearted, even less serious. Even though there is a lot of criticism embedded in Islamic banking, starting from the practice of improper contracting, Human Resources (HR) who are not competent with the sharia itself, and banking products that are less adaptive and responsive.

The role of the Amil Zakat institution is very much needed in society, many Amil Zakat institutions have the passion to provide assistance to the community by making moral and material contributions. One of the Amil Zakat institutions in Ponorogo is Bank Ziska or stands for financial assistance from zakat funds, infaq-shodaqoh and other religious social funds. The funds obtained will eventually be used for the welfare of the people by using various distribution methods. Bank Ziska in Ponorogo is an example of an amil zakat institution that has provided various kinds of economic development programs for the people and community empowerment, including giving cash to people who have been entangled in usury debt and cannot pay it, another program is to create an UMKM village that has was inaugurated by the Regent of Ponorogo, Sugiri 'Kang Giri' Sancoko in the MSME Village of Moneylender-Free Empowerment and the Digitalization of Bank Ziska Lazismu in Jintab Hamlet, Wonokerto Village, Jetis District 2021. for the national amil zakat institution.

No abstract

This study examines the management pattern and Human Resource utilization in Baznaz Ponorogo. The goal is to find out how far the principles of HR management are implemented in the agency. The result of the study shows that the pattern of management and human resources utilization in Baznas Ponorogo covers all aspects, from the recruitment process, placement, until the evaluation of employee performance. In every stage of the process, Baznas Ponorogo not only relies on the principle of professionalism but also considers personal integrity and spiritual maturity aspects. Such is done based on the consideration that a job, if done professionally and sincerely, will yield ina higher value and quality.

Mental retardation in the village of Karangpatihan Balong Ponorgo appears due to conditions of poverty, the cause of it all is that the community cannot access sufficient nutritious food, causing defects in the fetus and newborn. Inadequate nutritional intake in pregnant women has a close relationship with the birth of babies with mental retardation conditions. The poverty that hit Karangpatihan village is a special concern that must be resolved by the village government, an attitude of independence must be instilled in the mentally retarded community in order to overcome the poverty that occurs. The planting of independence carried out by the village government must be social and in the form of community empowerment programs in the form of making splashed batik, catfish cattle, goats and doormats. The form of religious independence of the mentally retarded community is as follows: how to make mentally retarded people have the ability to worship or religious activities, especially in ablution and congregational prayers, starting from mentoring, training, understanding until independence appears according to the abilities of each mentally retarded citizen.