This study aims as a first step in determining the financial health of the company using the Early Warning System (EWS) financial ratios and early corporate bankruptcy. This research aims to analyze the Altman Z-Score and Fulmer Model models which will be used as an Early Warning System (EWS) for sharia insurance vulnerabilities in Indonesia. The Altman Z-Score and Fulmer Model methods use data obtained from financial reports and processed as a measure of financial health. The ratio that influences the financial vulnerability of sharia insurance in Indonesia using the Altman method which has been modified using PCA is the ratio of retained earnings/total assets (X2) and income before tax/total assets (X3). Meanwhile, the influential ratios from the Fulmer method modified using PCA found 3 ratios that influenced the financial vulnerability of sharia insurance in Indonesia, namely Retained Earning/Total Assets (V1), EBT/Equity (V3) and Cash Flow/Total Debt (V4).

Ekselensia Tahfizh School (e-Tahfizh) is a human resource development program with a focus on memorizing Al-Qur'an, dirasah Islamiyah,andleadershipundertheauspicesoftheLembagaAmilZakat (LAZ)DompetDhuafa.This study aims to determine the extent to which the effectiveness of the e-Tahfizh program in helping beneficiaries feel a change in welfare in their lives. This study uses a quantitative and descriptive qualitative approach with a random sample technique and data collection through interviews and questionnaires to 28 alumni, as well as applying the CIBEST model and T-test to measure changes in spiritual well-being before and after undergoing program coaching.The results showed that the program was effective, where the spiritual well-being index increased from 75% to 82.14% before and after becoming an alumnus of the e-Tahfizh program. In addition, the t-test also showed statistical significance with a p-value of 0.022 (one-way) and 0.044 (two-way),sothestatisticaltestresultsweredeclaredsignificantbecausethey were smaller than 0.05.The practical implications of this research show that ZISWAF-based education could improvethe spiritual welfare of underprivileged communities. The e-Tahfizh model could expand access to Islamic education and optimize the role of ZISWAF in human resource development.Dompet Dhuafa continues to encourage evaluation to improve program quality and expand access to Islamic values-based education