The Covid-19 pandemic seems to have harmed people's lives, especially in social and economic aspects. The Islamic finance sector can solve these problems because, in principle, Islamic economics aims to achieve public welfare. Zakat, infaq, alms and waqf is one form of activity in Islamic economics, which is part of the form of compulsory worship and advice from Allah SWT. Previous studies have stated that the management and distribution of zakat, from direct assistance to community empowerment assistance, is effective in helping improve the community's social and economic welfare. Applying zakat with the community's principles and returning to the community can encourage economic equity, especially during the Covid-19 pandemic, like today, where many people's economic activities are hampered. The digital zakat system is a breakthrough to increase the effectiveness of the management and distribution of zakat to the community. The digitization of zakat also makes it easier for the community to distribute zakat obligations. Coordination from various parties, such as the government, zakat institutions and academics, is needed in developing the zakat digitization system to achieve maximum results. With the application of Maqashid Syariah in managing digital zakat, it is hoped that zakat can be right on target in meeting human needs.

This research aims to examine the effect of Non-Performing Financing (NPF), Third Party Fund (DPK), CAR and FDR both simultaneously or partially on Total Financing with Islamic General Bank. In this research, the researcher applied quantitative method and employed secondary type of data sources. The sample used in this research is financial statement Islamic General Bank during the period of 2013-2017. The data analysis method used in this research is variable descriptive statistics, classic assumption test, multiple linear regression with significance level 5% and hypothetical test. The outcome of the research is processed using SPSS program version 22

The one of the formal financial media that can reach (outreach) and welfare of poor rural communities is through MFIs (Microfinance Institutions). Of course, the MFI is the ‘healthy’ and financially independent. This study aims to reveal the performance of financial independence (MFIs semi-formal, especially the cooperative of the female members based) on the fishery area, North Tangerang, Banten. In addition, it also reveals the performance of MFIs in increasing the coverage to members. Hence, to address the issue of technical guidelines on the use of performance indicators (sustainability) of financial from regulation of the Minister of Cooperatives and Small and Medium Enterprises republic of Indonesia No. 20/Per/M.KUKM/XI/2008 and indicators organized by Ledgerwood (1999). The research found the fact that the MFI fishing communities (coastal) recorded the ‘healthy’category  (KCP Pakuhaji = 93.40, KCP Mekar Baru = 85.90 and KCP Mauk = 79.90). In addition, the size of the financial health also seen a low level of bad debts (nonperforming loan) on a MFIs semi-formal members. The low nonperforming loan strongly associated with the institutional capacity to implement financing programs that already in the early design and is compatible with the wishes of the members.

The aim of this research is to extract information from married female clients who utilize financing, empowering, and other facilities provided by Microfinance Institutions (MFIs). Quantitative descriptive approach is used in order to describe MFIs. Specifically, the difference between MFIs in each area will be overviewed by using statistical instruments of testing for a difference between means and independent F-test. On the other hand, descriptive qualitative approach is used to review the social interactions of female clients. The results of this research have uncovered some facts. First, however, Difference-Between-Two-Means Test has revealed that no significant difference is found. This shows that the empowering aspect that has been done by MFIs conforms with the standard. Second, the fact that no significant difference is found in the empowering process has been backed by data that reveals relatively small loans scale, similarity in business models, unvaried necessity, relatively small expenditure and living cost, low access to education, and good accessibility to MFIs. Third, business models that are desirable by female clients have these characteristics: only requiring a minimum amount of capital; durable; fast-moving; focusing more on costumers; adaptable; contributing to the society's economy; flexible; having a set amount of freedom. KeywordsWomen empowering, Microfinance Institutions (MFIs), fishermen society, agricultural society, industrial area Many evidences have shown that Microfinance Institutions (MFIs) are capable to reduce poverty in rural areas (Aruna and Jyothirmayi 2011). Leikem (2012) has conducted a study based on Gonzalez's (2008) data of 2,420 MFIs, representing 99 millions clients over 117 counries. The rate of loan repayments from those clients, who in fact do not hand over collaterals, exceeds 95%. MFIs can also access hard-to-reach areas, something which formal finance institutions cannot do. Moreover, Velasco and Marconi (2004) explained that MFIs have more flexibility to keep in touch with their clients than common finance institutions. One method that MFIs do to gain that advantage is by utilizing social capital based on social groups approach as a replacement for collaterals (Mosley and Rock 2004;Chowdhury, Mosley, and Simanowitz 2004) .The same condition applies in Indonesia. Many

Political democracy should be equivalent to the economic development of the quality of democracy, economic democracy if not upright, even the owner of the ruling power and money, which is parallel to force global corporatocracy. Consequently, the economic oligarchy preservation reinforces control of production and distribution from upstream to downstream and power monopoly of the market. The implication, increasingly sharp economic disparities, exclusive owner of the money and power become fertile, and the end could jeopardize the harmony of the national economy. The loss of national economic identity that makes people feel lost the “pilot of the state”. What happens then is the autopilot state. Viewing unclear direction of the economy, the national economy should clarify the true figure.