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Keywords BMT Baznas Bengkulu Province Economic Growth Effectiveness of Disbursement Efficiency of Zakat. Exports Fiscal Policy Household Consumption Ibn Khaldun Interest, E-wallet, UTAUT, the millennial generation Murabahah Recession Rumah Zakat Indonesia Satisfaction Taxes Zakat Core Principle Zakat Infak Sedekah generasi milenial i-banking literasi m-banking