Over time, BAZNAS has become one of the important institutions in the management of zakat in Indonesia, by increasing efficiency, transparency, and effectiveness in managing zakat, as well as distributing it to those in need. Therefore, the effectiveness of the distribution of zakat funds in the Bali Makmur Program at BAZNAS Bali Province plays an important role. This study aims to understand the effectiveness of the distribution of zakat funds in the Bali Makmur Program in improving the welfare of mustahik in BAZNAS Bali Province. The focus of this research; 1) What is the form of distribution of zakat funds in the Bali Makmur Program at BAZNAS Bali Province?, 2) What is the effectiveness of the distribution of zakat funds in the Bali Makmur Program in improving the welfare of mustahik in BAZNAS Bali Province? and 3) What are the obstacles in the distribution of zakat funds in the Bali Makmur Program at BAZNAS Bali Province? The objectives of this study are; 1) To find out the form of distribution of zakat funds in the Bali Makmur Program.2) To identify the effectiveness of the Bali Makmur Program in improving the welfare of mustahik in the city of Denpasar Bali and 3) To find out the obstacles faced in the distribution of zakat funds in the Bali Makmur Program. The research method to be used is qualitative descriptive, with data collection techniques through observation, interviews, and documentation, as well as data validity techniques through the triangulation method. Determination of informants by purposive sampling technique. The results of the research will be described in a descriptive manner.

The formulation of the problem in this research is: Does the quality of bank service influence the customer's decision to choose IB Fajar Mudharabah Savings at PT. BPRS Fajar Sejahtera Bali? This type of research is quantitative research and data collection methods by distributing questionnaires and documentation. The research subjects used a population of 2,764 customers and a sample of 30 customers. The analysis in this research uses IBM SPSS 25. The results of this research show there is an influence between service quality on the customer's decision to choose where t count > t table is 3.549 > 1.695. There is an influence of service quality on customers' decisions to choose IB Fajar Mudharabah Savings at PT. BPRS Fajar Sejahtera Bali.

Sementara beberapa provinsi lain mengalami peningkatan pertumbuhan ekonomi, provinsi Bali tidak mengalami hal yang sama. Pasalnya, sektor ekonomi di Provinsi Bali yang bertumpu pada kegiatan pariwisata lumpuh akibat pandemi Covid 19. Salah satu daerah yang terdampak adalah Kabupaten Klungkung. Bantuan dari pihak terkait, termasuk perguruan tinggi dalam penguatan ekonomi lokal sangat diharapkan. Secara umum tujuan dari kegiatan ini adalah untuk mengurangi dampak negatif dari tekanan ekonomi yang belum membaik di Kabupaten Klungkung, khususnya di Semarapura Kangin Klungkung. Penguatan Ekonomi menggunakan basis tradisi Ngejot, yaitu berupa pemberian makanan kepada sanak saudara dan tetangga yang berbeda agama pada saat hari raya besar keagamaan, seperti Galungan bagi umat Hindu atau Idul Fitri bagi umat Islam. Ngejot merupakan tradisi yang mengacu pada konsep silahturahmi dalam Islam dan konsep Katwang Asih dalam ajaran Adat Bali. Hasil dari pengabdian ini diharapkan mampu menciptakan kehidupan yang rukun dan harmonis antar umat beragama dalam kehidupan sehari-hari serta mampu memperkuat perekonomian masyarakat Kangin Semarapura yang terdampak oleh Pandemi Covid 19