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Abstract. Poverty is one of Indonesia's problems. One of the instruments used to reduce poverty is zakat. This study aims to analyze the impact of zakat on poverty and welfare of mustahik. The method used in this research is the interview with the questionnaire. The method of the sampling used purposive. The analysis tool used CIBEST model. The results show that the index value of Islamic poverty without and with zakat has not changed. Keywords: CIBEST model, Islamic poverty index, poverty, welfareAbstrak. Kemiskinan merupakan salah satu masalah bangsa Indonesia. Salah satu instrumen yang digunakan untuk mengurangi kemiskinan adalah zakat. Penelitian ini bertujuan untuk menganalisis dampak zakat terhadap kemiskinan dan kesejahteraan mustahik. Metode yang digunakan dalam penelitian ini adalah wawancara dengan kuesioner. Pengmabilan sampel menggunakan metode purposive sampling. Alat analisis yang digunakan adalah model CIBEST. Hasil menunjukkan bahwa nilai indeks kemiskinan islami tanpa dan dengan zakat tidak mengalami perubahan. Kata kunci: indeks kemiskinan islami, kemiskinan, kesejahteraan, model CIBEST

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This paper investigates the determinants of profitability of General Insurance in Indonesia, focusing on firm-specific factors and macroeconomics factors. General Insurance in Indonesia play important role in the economy by providing protection of risk of loss either to organizations and individuals. Based on this background, the aim of this paper is to study and improve the profitability of general insurance through a random effect analysis of 40 general insurance companies since 2013 until 2017. The data obtained is time series data and cross section data so that the data analysis in this study uses Panel Data Regression Analysis. The empirical study shows that firm size, liquidity ratio, equity growth, underwriting result, return on investment, input cost, claim ratio, technical ratio, economic growth rates and Bank Indonesia interest rate are significant factors that affect profitability of general insurance companies. Companies can improve their profitability by planning, monitoring and defining financial strategy based on the relation whether – positive or negative, between significant factors and profitability.

The increase of the manufacturing's share in GDP has reached its peak in the early 2000s while the growth rate of the manufacturing employment is relatively low. Both facts demonstrate that the process of industrialization has slowed down and an indication of deindustrialization in Indonesia. Deindustrialization that occurs in the countries with low GDP per capita is called premature deindustrialization. This study measures the rate of deindustrialization and identification of premature deindustrialization on period 1986- 2015. The result shows that the speed of deindustrialization varies between indicators and between islands. Descriptive analysis showed indication of premature deindustrialization in Indonesia. Keywords: Deindustrialization, Premature deindustrialization, Manufacturing, Indonesia JEL classification: L16, L50, L52, L60, O14, O25