The number of people living under poverty in Indonesia in 2017 is 38.4 million. There are many factors contributing to cause poverty, including economic factors. Low income causes them to be unable to fulfill daily needs. One of the instruments that can be used to overcome poverty and empower people is zakat. Utilization of Zakat funds and infaq for productive enterprises is one of the important and strategic agenda in economic empowerment. BAZNAS through the Lembaga Pemberdayaan Ekonomi Mustahik (Eng: the organization of beneficiary economical empowerment; abv. LPEM) encourages the strengthening of mustahik (Eng: beneficiary of zakat) economy through strengthening retail businesses in the form of stalls or called Z-Mart. This program intensively carries out coaching and mentoring so that the businesses run by the beneficiaries could run progressively. The target of this program is to encourage mustahik to transform into muzaki (Eng: zakat giver) with the standard had kifayah and SDGs in the 1st Goal (No Poverty) to reduce poverty. The purpose of this study was to observe the impact of the Z-Mart Program on improving the economy of the poor. This research was conducted in May 2019 in Bandung Region. The sample of this study were 21 Z-Mart Program Beneficiaries. Data was collected by in-depth interviews and Focus Group Discussion (FGD) methods. The measurement of the impact of the Z-Mart program is carried out using the Social Return on Investment (SROI) method suggested by the SROI UK Network (Social Value International). The results showed that overall, since the implementation of the Z-Mart program, the SROI value was 0.91. This means that during 1 year of the program, every IDR 1 invested has benefit of IDR 0.91. This value shows that socially to return the value invested in the Z-Mart program takes more than 1 year. Nevertheless, the results of the study show that the Z-Mart program has succeeded in increasing Mustahik's welfare through increased income, decreased moneylender practices, and increased social attitudes with infaq (Eng: the practice of giving) and alms practices.

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The Problems of education and poverty are interrelated. The poor people cannot access higher education and they will remain poor with insufficient education. Therefore, the effort to break the cycles of poverty is to provide opportunities for the poor to obtain higher education Dompet Dhuafa through Beastudi Etos empowers education by providing coaching, mentoring and education financing funding. The population of this research is all of the beneficiaries alumni Beastudi Etos scholarship with a total sample of 190 respondents. The result of the research has shown that Beastudi Etos scholarship program is one of the programs that are quite effective in breaking the cycles of poverty through education and economic improvement. The result also indicates that the program is effective in creating excellent and independent generation. It is shown that 81.58% of respondents have successfully completed their studies (Bachelor, Master and Doctoral degrees), the others are in the process of finishing bachelor degree. 88.95% of the respondents have worked and earn income more than 7,000,000 Rupiah/month, 21.5% have dependents from 1 up to 13 persons. In general, the respondents state that coaching and mentoring which has been given is affected on the character (97.4%), skills (94.2%), socials skill (97.9%), and social generosity (97.9%).Keywords: Beastudi Etos, Poverty, Coaching, Mentoring, Excellent, Independent, Character, Skills, Social skills, Social generosityJEL Classification: I22, I31

Progress of a country largely determined by quality of its human resources and quality of human life is much influenced by educational factors. Chains of poverty absolutely cannot be separated from economic, health and educational factors. Therefore, one effort to break chains of poverty is to provide proper education. Dompet Dhuafa through Beastudi Etos had conducting educational empowerment with provide coaching, mentoring and financial assistance for poor students. With coaching and mentoring, scholarship recipients are expected not only can studying, but also have knowledge, skills and attitudes competency. This research aims to see the effect of Beastudi Etos's coaching and mentoring programs to improve students' competencies. Research methodology used is descriptive analytical by taking samples at five universities. The results showed that Beastudi Etos's coaching and mentoring programs can improve knowledge, skills and attitudes competency of students. Its significantly improve religious values, but less effect to IT skill.

The Industrial Revolution 4.0 and Society 5.0 were concepts that first developed in Japan. This concept has an impact not only on Japan but also for all countries in the world. Every country is required to be able to adapt technology, including Indonesia. Technology that is growing will even affect the development of each generation. This is proven by the discovery of the baby boomers to the alpha generation as a result of the development of technology and information. Therefore, every parent and even educator must have the skills to be able to educate generation Z and alpha who are currently very exposed to technology. This is even exacerbated by the Covid-19 pandemic which is currently still spreading in Indonesia. The government has started to encourage Distance Learning to break the chain of virus spread. Teachers and parents are required to be able to collaborate in educating children. In fact, teachers must be able to present interesting learning models so that they are not boring for students. Therefore, various kinds of skills are needed so that teachers are able to adapt to these conditions. And of course, those who need this the most are teachers in marginal areas of Indonesia who have many limitations. The general objective of this research is to compile basic data and develop a Literacy and Technology-based Elementary School Teacher Development model in Indonesia's Marginal Region, which is named TELEPATI (TEacher LEadership Program Towards Excellent Indonesia). TELAPATI is an integrated program to improve the quality of Indonesian teachers by optimizing their leadership abilities as themselves, teachers and educators. This model is dedicated to helping improve the quality of teachers who are able to educate the Indonesian generation in today's digital era. This model integrates coaching and mentoring using the 24h-Self Controlling system.