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All Journal Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat International Journal of Zakat (IJAZ) Ekonomi Islam Indonesia RESLAJ: Religion Education Social Laa Roiba Journal
Resfa Fitri
IPB University
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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RPIM Policy and MSME Financing: Evidence from Indonesian Islamic Banks Salma Darapuspita; Resfa Fitri; M. Nur Faaiz F Achsani
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 6 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i6.12124

Abstract

This study aims to evaluate the impact of the Macroprudential Inclusive Financing Ratio (RPIM) policy on the financing behavior and inclusivity performance of Islamic Commercial Banks (BUS) in Indonesia, particularly in supporting the 30% MSME financing target mandated by Bank Indonesia. Using a quantitative approach with quarterly time-series data from 2016Q1 to 2024Q4 sourced from OJK, Bank Indonesia, BPS, the World Bank, and WHO, the study applies the Autoregressive Distributed Lag (ARDL) model to analyze short-run and long-run relationships between MSME financing and several determinants, including bank-specific factors (FDR, NPF, ROA), macroeconomic indicators (GDP, inflation, BI Rate), and policy dummies representing RPIM implementation and the COVID-19 pandemic. The results reveal that the RPIM policy has a positive effect on total MSME financing but does not significantly increase its proportion relative to total financing. The policy’s impact is more evident in working capital financing than in investment financing, suggesting that Islamic banks tend to expand short-term, liquidity-oriented MSME loans rather than long-term investments. These findings imply that while the RPIM policy has improved financing volumes, achieving structural inclusivity requires enhanced policy incentives and risk-sharing mechanisms to encourage long-term MSME investment. This study contributes to the literature by providing empirical evidence on the early effectiveness of the RPIM policy in Indonesia’s Islamic banking sector and offering policy insights for strengthening inclusive and sustainable financing.
Edukasi dan Pelatihan Budidaya Padi Metode Salibu di Desa Mekarjaya, Kabupaten Sukabumi Asep Nurhalim; Resfa Fitri; Salahuddin El Ayyubi; Ahmad Syahirul Alim; Aliyya Xaviera
Agrokreatif: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 12 No. 2 (2026): Agrokreatif Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/agrokreatif.12.2.250-259

Abstract

Rice related issues in Indonesia are characterized by seasonal shortages and price fluctuations influenced by extreme weather conditions, shrinking agricultural land, distribution constraints, and the ongoing dilemma between import policies and rice self sufficiency, despite the frequent occurrence of national rice stock surpluses. These conditions directly affect farmers’ welfare, consumer affordability, and national food security. Mekarjaya Village, located in Warungkiara District, Sukabumi Regency, is an agrarian area that has experienced a decline in the number of active farmers due to high production costs, limited capital, and low farming profitability. At the same time, local rice production remains insufficient to meet community demand, resulting in continued dependence on rice supplies from outside the village. This community service program aimed to introduce the Salibu rice cultivation method as an alternative farming technology that offers greater production efficiency and the potential to increase land productivity. The program was implemented through several stages, including preparation and coordination, community outreach, participatory training, as well as monitoring and evaluation. Program effectiveness was assessed using pre-test and post-test instruments to measure changes in participant’s knowledge and understanding. The results indicated a significant improvement in farmer’s conceptual and technical understanding of the Salibu cultivation method. However, the level of technology adoption remained low, and the initial field implementation conducted by one farmer encountered difficulties due to improper irrigation management. These findings suggest that successful knowledge transfer alone is insufficient to ensure technology adoption and must be supported by continuous technical assistance during the implementation phase. Therefore, future programs should focus on strengthening field-based mentoring and establishing demonstration plots to promote the sustainable adoption of Salibu technology among farmers.
The Determinants of Fast Fashion Consumption Among Generation-Z Muslim Consumers in Indonesia Resfa Fitri; Devina D. Kusumaningrum; M. Iqbal Irfany
Ekonomi Islam Indonesia Vol. 7 No. 2 (2025): Ekonomi Islam Indonesia
Publisher : SMART Insight

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58968/eii.v7i2.653

Abstract

This study explores the characteristics and key determinants influencing fast fashion consumption among Generation Z Muslim consumers, focusing on factors such as FOMO, fashion trends, and religious values. Using a descriptive and logistic regression approach, a questionnaire with 40 questions was distributed to 200 Generation Z participants across five Indonesian provinces. Logistic regression analysis identified age, gender, FOMO (Fear of Missing Out), fashion trends, price, product design, and product quality as significant factors influencing purchasing decisions. Education, income, religiosity, and E-WOM (Electronic Word of Mouth) were not significant. This research is unique in examining variables such as religiosity, fashion trends, and Generation Z Muslims in relation to fast fashion purchasing, using logistic regression for analysis. Fast fashion producers who prioritize design, quality, and affordability to meet Gen Z preferences can achieve business success in Indonesia, where this generation dominates the population.
Determinants of Islamic Financial Planning for Young Couples’ Families in West Java Nabilla Az-Zahra; Resfa Fitri; Ahmad Syahirul Alim
Reslaj: Religion Education Social Laa Roiba Journal Vol. 8 No. 6 (2026): RESLAJ: Religion Education Social Laa Roiba Journal
Publisher : Intitut Agama Islam Nasional Laa Roiba Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47467/reslaj.v8i6.12192

Abstract

West Java Province ranks highest in divorce rates in Indonesia, with economic factors being one of the main causes. This study is significant as research on Islamic financial planning among young couples remains limited, despite its potential to enhance household resilience. The objectives of this study are: (1) to analyze the characteristics of young couples in West Java in implementing Islamic financial planning for their families; and (2) to examine the influence of Islamic financial literacy, religiosity, and income perception on the intention and implementation of Islamic financial planning. The research employs a quantitative approach using descriptive analysis and Partial Least Squares–Structural Equation Modeling (PLS-SEM). The findings reveal that the majority of respondents demonstrate good financial awareness, as indicated by their possession of emergency savings. The respondents’ financial management priorities, based on the Charity, Investment, Debt, and Consumption (CIDC) framework, place charity as the highest priority, followed by investment, debt repayment, and consumption as the last priority. Income perception exerts a stronger influence on Islamic financial planning through the mediation of intention than through its direct effect. These findings recommend strengthening Islamic financial literacy through community-based educational programs, integrating related materials into pre-marital counseling, and leveraging digital media to enhance family economic stability and reduce divorce rates caused by economic issues.
The Effect of Macroeconomics on the Receipt of Zakat, Infaq, and Shadaqah at BAZNAS Central for 2015-2024 Period Noer Resky Juliarty; Resfa Fitri; Muhammad Nur Faaiz Fathah Achsani; Irfan Syauqi Beik
International Journal of Zakat Vol. 10 (2025): Special Issue 2
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v10i4.661

Abstract

In recent years, Indonesia's economy has grown steadily, supported by strong household purchasing power and stable investment. However, this stability was disrupted with the emergence of the COVID-19 pandemic in early 2020. This study aims to analyze the effect of macroeconomic variables on the collection of zakat, infaq, and sadaqah at BAZNAS Central during the 2015–2024 period. The research use secondary quarterly time-series data from 2015 to 2024. The analysis is conducted using descriptive analysis combined with the Autoregressive Distributed Lag (ARDL) method. The results show more clearly that GDP consistently exerts a positive and significant influence on zakat as well as infaq and shadaqah receipts in both the short and long run, confirming the central role of economic growth in strengthening Islamic philanthropic capacity. Meanwhile, the Consumer Price Index (CPI), as a proxy for inflation, and the BI Rate were not proven to significantly affect infaq and shadaqah receipts; however, CPI demonstrates a positive long-run effect on zakat, and the BI Rate shows a negative but weak influence, indicating limited monetary policy transmission to ZIS behavior. The impact of the COVID-19 pandemic was found to be significantly negative for zakat receipts, but relatively insignificant for infaq and shadaqah. Furthermore, digitalization at BAZNAS is shown to significantly increase ZIS collection, underscoring the growing role of technological adoption in expanding accessibility and strengthening fundraising performance. Overall, these findings highlight the need for macroeconomic stability and continuous digital transformation to optimize ZIS mobilization.
Co-Authors Ahmad Syahirul Alim Aliyya Xaviera Asep Nurhalim Devina D. Kusumaningrum Irfan Syauqi Beik M. Iqbal Irfany M. Nur Faaiz F Achsani Muhammad Nur Faaiz Fathah Achsani Nabilla Az-Zahra Noer Resky Juliarty Salahuddin El Ayyubi Salma Darapuspita