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Keywords Accounting, cooperation, and Islamic boarding school. Alternative, Despute, Resolution, Bisnis Attitude, Knowledge, Developing, Entrepreneurship Customer satisfaction, bank service quality Distribution, Productive of Zakat, Parambahan Fatwa, DSN-MUI, Murabahah Hedonism, Religiosity, Consumptive Behavior Innovation, Creativity, Community Economic Resilience Islamic Human Capital, Career Development, Employee Performance. Islamic Tourism, Halal Tourism, local wisedom, creative economy Keywords: Production Center Area (KSP), Production costs, Business profits. NPF, Inflation, Profitability, Islamic Rural Banks. Profitability, Liquidity, Capital Structure, Company Size UMKM, Income, Strategy, Ponorogo