This article discusses how the understanding and application of the religion have an influence on individual behavior in terms of consumption behavior. This article proves that a good understanding of religion and it application will bring a good consumption behavior. Good consumption behavior is the behavior of consumption away from the hedonistic lifestyle and extravagant and consumption behavior which only buy what is needed and not buy what is desired. This article also shows that who has a higher the level of religiosity (religious understanding and it application) will have the lower level of consumerism (buying behavior are considered luxury items is a measure of happiness), this is evidenced by the t value is negative.

Investment can be interpreted as an action that is accommodated by generating future profits. If the first orangutan with tangible assets such as land, buildings, livestock and others, then in the present there is an investment through financial instruments such as deposits, balance sheets, buying and selling of shares, and others. Both types of investments have the same goal of generating profit. Financial instruments such as sharia shares have been developed using the Syariah Online Trading System (SOTS), so that transactions can be made anywhere as long as the market is open. Through SOTS, investors have easy access and improved service quality so that the number of investors increased by 2341% compared to 2012 when SOTS was launched in 2011. And the number of sharia investors also increased by 2.3% from total investors in capital market in year 2016 PENDAHULUANPola mengembangkan kekayaan sudah dilakukan oleh orang di zaman dahulu hingga sekarang. Namun, terdapat beberapa hal yang membedakan pola pengembangan kekayaan zaman dahulu dengan sekarang. Pola pengembangan kekayaan zaman dulu yang berlangsung hingga sekarang ini ditujukan pada hal yang berbentuk fisik seperti tanah, gedung, ternak, kendaraan, mesin, dan segala hal yang berwujud. Pola pengembangan itu lebih dikenal dengan istilah investasi real assets. Namun dengan perkembangan dunia usaha dan pola berpikir dewasa ini, pola pengembangan kekayaan sudah mulai beralih, tidak hanya pada bidang yang berwujud tetapi sudah mulai beralih pada bidang surat berharga seperti deposito, obligasi, valas, maupun portofolio saham. Pola

Through this paper the author will measure the effectiveness of Instagram as a media for persuasion of Islamic philanthropy for students. Because Instagram is a social media that is in great demand by the younger generation. This research is a quantitative study with a questionnaire as a research instrument, population for tihis research was students of the zakat waqf management study program of IAIN Bengkulu, sample was a saturated sample, consist of 76 students. Measuring the level of effectiveness using the AIDA method (Attention, Interest, Desire and Action). The results showed that the effectiveness of Instagram was in the good category as a persuasion media for Islamic philanthropy for students. Kata Kunci: effectiveness, Instagram. Islamic philanthropy Abstrak : Melalui tulisan ini penulis akan mengukur tingkat efektifitas instagram sebagai media persuasi filantropi Islam bagi mahasiswa. Karena Instagram merupakan media sosial yang banyak diminati oleh generasi muda. Penelitian ini merupkan penelitian kuantitatif dengan kuesioner sebagai intrumen penelitian, populasi penelitian adalah mahasiswa program studi zakat dan wakaf IAIN Bengkulu, sampel penelitian merupakan sampel jenuh yaitu sebanyak 76 orang mahasiswa. Pengukuran tingkat efektifitas menggunakan metode AIDA (Attention, Interest, Desire dan Action). Hasil penelitian menunjukkan bahwa tingkat efektifitas instagram berada pada kategori baik sebagai media persuasi filantropi Islam bagi mahasiswa.

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The purpose of this study was to analyze the problematic collection of Zakat Funds in LAZNAS Baitul Maal Hidayatullah Bengkulu Representative, covering collection strategies, constraints, and ways to overcome the constrainst of raising zakat funds. To uncover the problem in depth and thoroughly, the researcher uses a qualitative method, directly to the field to see the phenomena that occur. The results showed the collection of zakat funds at LAZNAZ Baitul Maal Hidayatullah Bengkulu Representative has 2 (two) strategies: first internal strategy and second external strategy. The problem of collecting zakat funds in LAZNAS Baitul Maal Hidayatullah Bengkulu Representative namely, the lack of human resources and the lack of funds to socialized in collecting zakat funds. To overcome these problems LAZNAZ Baitul Maal Hidayatullah Bengkulu Representative facilitated and attended training or workshops to broaden employee insights, as well as working with preachers to socialize LAZNAS Baitul Maal Hidayatullah Bengkulu Representative.