The purpose of this study is to determine the role and function of Zakat, Infak, Sedekah and Waqf as a fiscal policy strategy in the economy of the ummah with the approach of Islamic microfinance institutions. This research method is descriptive qualitative with a case study Approach Whose Data Analysis Uses Data Triangulation.The results showed that zakat, Infak, Sedekah and waqf as fiscal policy strategies are able to develop the economy of the ummah with an approach to financial practices that exist in Islamic microfinance institutions. The provisions for the recipient of ZISWAF funds for personnel or institutions carried out in Islamic Microfinance Institutions are adjusted to the purpose of receiving the funds.

The purpose of this reseach is to find out the implementation in channeling the endoWment of money to the authorities and the motives of customers in the endowment  of money in The Islamic Microfinance Institutions called KSPPS Mandiri Sejahtera in Era Society 5.0. The resuts of the reseach are the process of channeling the results of Waqf money starting from Waqif handing over money to kspps Mandiri Sejahtera through the purchase of Waqf voucher money . then managed endowment fund and distributed funds to people in need. Motives of customers at KSPPS BMT Mandiri Sejahtera have a motive, Which is forced by the relevant regulations, such as compliance  with payment administration, staff who work there every month are deducted from their waqf money. The next motive in managing money Waqf money voucher seems to force Waqif because most do not have the urge of oneself to endowment but compulsion and even the obligation to pay endowment for money to get what customers want, such as internship, field work practices, and reseach. Tujuan penelitian adalah ingin mengetahui impelementasi dalam menyalurkan wakaf uang kepada pihak yang berwenang, dan motif nasabah dalam wakaf uang yang ada di Islamic Microfinance Institution yang bernama KSPPS Mandiri Sejahtera di Era Society 5.0. Hasil penelitian adalah Proses penyaluran hasil wakaf uang dimulai dari waqif menyerahkan uang kepada KSPPS BMT Mandiri Sejahtera melalui pembelian voucher wakaf uang Kemudian di kelola dana wakaf uangnya dan salurkan kepada orang-orang yang membutuhkan. Motif nasabah di KSPPS BMT Mandiri Sejahtera memiliki motif, yaitu motif yang terpaksa dengan peraturan yang terikat seperti pemenuhan administrasi pembiayaan, staf yang bekerja disana setiap bulan gajinya akan dipotong untuk wakaf, motif selanjutnya  dalam melakukan pengelolaan voucher wakaf ini terkesan memaksa waqif  karena kebanyakan tanpa dorongan dari diri sendiri untuk  wakaf melainkan paksaan bahkan kewajiban untuk membayar wakaf uang demi mendapatkan apa yang diinginkan nasabah, seperti magang, Praktek Kerja Lapnagan, dan Penelitian.

Tujuan penelitian adalah ingin mengetahui strategi pemasaran yang Islami serta kelemahan dan kelebihan dari Pick Up Service (pelayanan jemput bola) dari costumer (nasabah) kepada koperasi Sariah TKI Artha Mulya dan sebaliknya. Metode penelitian menggunakan pendekatan kualitatif yang bersifat deskriptif atas gambaran Strategi Sharia’Marketing dengan model Pick Up Service pada Islamic Microfinance yang bernama koperasi syariah TKI Artha Mulya yang langsung ditujukan kepada narasumber dengan bantuan alat penelitian yang terkemas dalam triangulasi agar mendapat data yang bisa diketahui kebenaranya. Hasil penelitian adalah 1) strategi pemasaran dengan Pick Up Service untuk Simpanan Barokah Keluarga (SIBERKAH) di Islamic Microfinance Institutions yang bernama Koperasi Syariah Artha Mulya Lamongan memiliki keunikan dibanding yang lain yaitu nasabah diperbolehkan menyimpan uang sisa pengeluaran untuk belanja sebesar lima ratus rupiah atau lebih kedalam sebuah kaleng yang sebelumnya telah disediakan oleh koperasi syariah tersebut, kemudian strategi Pick Up Service sewaktu- waktu akan ada petugas yang mengambilnya dirumah nasabah. 2) Kekurangan dan kendala yang dihadapi oleh Koperasi Syariah TKI Artha Mulya saat melakukan Pick Up Service dari perspektif marketing yaitu membutuhkan tenaga dan waktu yang lebih ekstra di banding dengan nasabah yang datang sendiri ke kantor, dan 3) Keuntungan dan kelebihan yang di dapat Koperasi Syariah TKI Artha Mulya dalam menjalankan Pick Up Service dalam perspektif nasabah adalah nasabah tidak perlu ke kantor, dan loyalitas serta rasa kekeluargaan antar nasabah dengan koperasi syariah semakin erat.

The majority of household financial management in the North Coast community is carried out by housewives. North coast communities are closely related to the type of livelihood they have. The treatment of the provision of finance in each household is very varied. This can be seen from the point of view of the amount of income, hobbies, lifestyle and passion that each household has. Communities on the north coast of Java tend to prioritize primary needs over secondary and tertiary needs. The coastal community of Paciran Lamongan village prioritizes managing income, managing needs, managing contingencies, managing dreams and managing surplus/deficit.

Background: Religious moderation is not only driven by the understandings and beliefs held by religious people but also actualization in the application of worship and mu'amalah that is built in a religion. Islam itself has philanthropy which is a reflection of actualizing the fulfillment of maqoshid sharia. The purpose: this study is to optimize the application of Islamic philanthropy in the Religious Socio-Economic institutions in increasing the value of religious moderation. The results: showed that religious moderation was not optimized by the Religious Socio-Economic Institution in the application of Islamic philanthropy which was reflected in the fulfillment of maqoshid sharia. Main Findings: The findings of this study indicate that socio-economic religious institutions should improve their strategies by developing strengths and turning threats into opportunities.