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All Journal Studia Economica: Jurnal Ekonomi Islam Ta'amul: Journal of Islamic Economics
Ulya Dharojah
Sekolah Tinggi Agama Islam Darul Hikmah Bangkalan
Religion Economics, Econometrics & Finance Social Sciences

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The Phenomenon of Bang-Abang (Bank Titil) According to a Review of Fiqh Muamalah Ulya Dharojah; Khodimul Wahid; Kholid Kholid
Studia Economica : Jurnal Ekonomi Islam STUDIA ECONOMICA: Jurnal Ekonomi Islam | Vol. 11 | No. 2 | 2025
Publisher : Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30821/se.v0i2.26596

Abstract

This study examines the phenomenon of bang-abang, which is the term used by the people of Bangkalan to refer to loan sharks in the Kasorjan market in Bangkalan District, Bangkalan Regency, which is a market located in the densely populated center of Bangkalan. The market is a place where sellers and buyers meet to conduct transactions. As time goes by, the market has become more than just a place where sellers and buyers meet to conduct transactions. The large number of people who gather at the market is also used to offer financial services, one of which is titil banks that offer loan services. This study uses a qualitative Islamic phenomenological method, conducting observations and interviews, as well as analyzing the conformity of transactions carried out by bang-abang with the teachings of Islamic muamalah fiqh. The results of this study indicate that the loan transactions conducted by the bang-abang are not in accordance with Islamic law because they involve interest, which is clearly prohibited. This may occur due to a lack of understanding and awareness among the community regarding transactions that comply with Islamic law, as well as unstable economic conditions and urgent community needs
Perkembangan Sektor Pertanian Dengan Implementasi Akad Mudharabah Di Desa Arok Kecamatan Burneh Kabupaten Bangkalan Abdul Wahid; Achmad Junaidi; Ulya Dharojah
Ta'amul: Journal of Islamic Economics Vol. 5 No. 1 (2026): May
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/taamul.v5i1.1005

Abstract

The agricultural sector is a crucial macroeconomic pillar; however, financing stagnation frequently occurs due to the rigid fund allocation of formal institutions. Islamic economics offers profit-sharing schemes as a solution. This study analyzes the operational mechanism of informal mudharabah contracts in Arok Village, Bangkalan Regency, its impact on farmers' welfare, and its supporting and inhibiting factors. Utilizing a qualitative phenomenological approach, primary data were collected through in-depth interviews with 12 key informants (mudharib, shahibul maal, and community leaders) from October 2025 to April 2026. Data analysis followed the interactive model of Miles, Huberman, and Saldaña. Results indicate that mudharabah operates in an informal-communitarian realm via oral contracts without physical collateral. Risks from absent written documents are adaptively mitigated through local social capital—specifically asymmetric trust and communal sanctions to suppress moral hazard. This partnership enhances farmers' economic and spiritual welfare through fair income distribution and freedom from middlemen. However, sustainability remains hindered by limited local investor capital and low Islamic accounting literacy among farmers. Scientifically, this study contributes by reconstructing a social capital-based agrarian risk mitigation model as a substitute for material collateral. Institutional reconstruction via synergy with Farmers' Waqf Banks or Islamic cooperatives is recommended.
Co-Authors Abdul Wahid Achmad Junaidi Khodimul Wahid Kholid Kholid