Financial technology or fintech, as the information media used to execute technology-based financial services, has become a great foundation in the effort toward enhancing the effectiveness and efficiency of financial services. The integrated zakat management system has been developed and needs innovations to be developed; several amil zakat institutions have utilized fintech as a more optimal services device in zakat management. This means that the fintech-based management of zakat will continue to grow and grow well, on both the market and consumer sides (especially for the aspect of demand), so it needs regulation, standardization and effort to guarantee the management of zakat using fintech media. This paper will offer concepts for the innovation, reinforcement, strategy, and legality regarding a technology-based management system for zakat, funded by the government or a relevant authority. Keywords: financial technology, Reinforcement, Management of Zakat

Covid-19 pandemic, which occurred in early 2020, has resulted in more than 50 percent of households experiencing financial difficulties, especially those who rely on personal businesses. This study aims to analyze the effect of working mothers on family economic resilience during the Covid-19 pandemic. This study obtained the primary data by distributing questionnaires to 173 respondents using the purposive sampling technique. The respondents' characteristics are working mothers who work for at least 2 hours per day, are aged 17-70 years, have an income of at least 250 thousand rupiahs per month, are married, and already have children. The approach used is quantitative with Ordinary Least Square (OLS) as the data analysis method. The dependent variable is family economic resilience, and the independent variable is female workers. The results showed that working women could support and contribute to their households in helping meet the daily needs of their families. Thus, working mothers have a positive effect on household economic resilience during the Covid-19 pandemic. For this reason, during the Covid-19 period, a wife's role is needed to contribute to the family economy so that the family's economic resilience remains stable. Furthermore, this research revealed the importance of the government's roles and stakeholders to provide facilities such as working capital for women, availability of employment opportunities for women, and work regulations that support women in balancing their dual roles.

<pre> </pre><pre><em>The elevated demand of Muslim consumers for halal products is a business opportunity for producers or companies. So that attention to consumer behavior of halal products is part of market valuation that is important for achieving success in the halal industry. Meanwhile, the millennial generation will have an influence in determining the trend of product use especially since entering the digital era. So it is important to conduct further studies on the behavior of the millennial generation in consuming halal products. This research was conducted by collecting data through distributing questionnaires to 100 respondents classified as millennial generation. Then the data collected is processed with Structural Equation Modeling-Partial Least Square (SEM-PLS) and gives conclusion that the interest of millennial generation in buying halal products is influenced by Islamic branding and individual religiosity factors. While the satisfaction of the millennial generation in consuming halal products is influenced by the price factor of these products, Islamic branding and religiosity factors. Furthermore, Islamic branding indirectly influences the buying interest and satisfaction of the millennial generation in consuming halal products through a variable mediating religiosity. Therefore, Islamic branding is an urgent matter that must be fulfilled for companies that have a focus on the development of halal industrial.</em></pre><pre><em> </em></pre>

Pandemic Covid-19 telah memberikan dampak dari berbagai sisi kehidupan. Pengaruh paling besar yang dirasakan oleh para pedagang di Kebumen ialah adanya kebijakan Pemberlakuan Pembatasan Kegiatan Masyarakat (PPKM). Tujuan dari penelitian ini adalah menganalisis pengaruh kebijakan PPKM terhadap ketahanan keluarga pedagang dari sisi fisik, ekonomi dan ketahanan sosial-psikologisnya. Penelitian ini menggunakan 181 responden pedagang dari 20 area perdagangan di kebumen yang terdiri dari pasar tradisional dan market place. Model penelitian ini merupakan pengembangan dari Theory ketahanan keluarga dimana variabel yang digunakan adalah kebijakan PPKM terhadap ketahanan fisik, ekonomi dan sosial-psikologis keluarga pedagang. Metode yang digunakan dalam penelitian ini menggunakan pendekatan kuantitatif dengan analisis deskriptif dan regresi dengan menggunakan metode kuadrat kecil (ordinary least square/ OLS). Hasil penelitian menunjukan kebijakan PPKM berpengaruh negatif terhadap ketahanan fisik dan ketahanan ekonomi rumah tangga pedagang. Kebijakan PPKM telah memicu terjadinya kerawanan pangan dan ketahanan pangan keluarga, mengikis aktivitas produksi yang berdampak terhadap penurunan omzet dan pendapatan. Namun tidak berpengaruh terhadap ketahanan sosial-psikologi keluarga pedagang karena adanya nilai-nilai sosial yang internalisasi kuat dalam masyarakat mendukung ketahanan sosial-psikologis pedagang di Kebumen.

Various poverty alleviation programs are always launched by the government from year to year. But it is not able to change the state of this country to become more self-sufficient and prosperous. If explored further, the majority of people classified as poor are working as farmers. Therefore, it is necessary to alleviate poverty policy that focuses on the welfare of farmers. So that when the policy is successfully realized, the majority of the poor in Indonesia will be able to independently through the development of the agricultural sector. One of the problems faced by farmers is weak stimulus funds from financial institutions. Due to the agriculture sector is seen as high risk, the financial institutions tend to feel worried if that financing for the sector. In anticipation of losses on crop failure, it is important applied an insurance that serves to protect the farm. So that financial institutions have the courage to do the financing for the agricultural sector. Meanwhile, zakat is one of the Islamic public financial instruments with the potential to be developed. Zakat funds channeled to 8 asnaf, including for the poor. So, it is possible if the charity can be used as agricultural insurance fund for farmers who are poor. Based on the explanation, this paper is intended to offer a model of the distribution of zakat to the poor farmers through takaful. The hope when this model is applied, will invite many financial institutions in stimulating agricultural business funds. The final implications are the farmers’ productivity increased and the quantity of the poor in Indonesia will be reduced.