<![CDATA[Abstract. This research is motivated by payment defaults in the BAZNAS Microfinance Desa (BMD) program in Bandung City, where 216 group members experienced defaults despite signing a joint liability commitment. This gap between normative commitment and implementation is examined from the perspective of Islamic economic law based on the principles of justice, benefit, consent, written agreement, and trustworthiness, as well as DSN-MUI Fatwa No. 162/DSN-MUI/VII/2025. This research employs a qualitative method with a normative-empirical approach and a case study design. Primary data were obtained through participatory observation and interviews with the BMD Manager, an Account Officer, and nine partners, while secondary data were obtained from scholarly literature, DSN-MUI fatwas, and relevant regulations. Data were analyzed descriptively using the Miles and Huberman model. The findings show that the joint liability mechanism has been implemented structurally, but its underlying contractual scheme remains unclear. Defaults are caused by economic inability, moral hazard, limited communication and transparency, unclear mechanisms and initial agreements, and misuse of financing funds. The implementation does not fully fulfill justice, consent, and trustworthiness, while benefit and written agreement are formally fulfilled. Under DSN-MUI Fatwa No. 162/2025, the mechanism is not compliant because it lacks kafalah or hibah bi al-syarth, mandatory collective funds, and may contain gharar. Abstrak. Penelitian ini dilatarbelakangi oleh kemacetan pembayaran pada program BAZNAS Microfinance Desa (BMD) Kota Bandung, di mana 216 anggota kelompok mengalami kemacetan meskipun telah menandatangani komitmen tanggung renteng. Kesenjangan antara komitmen normatif dan pelaksanaannya dikaji dari perspektif hukum ekonomi syariah dengan tolok ukur prinsip keadilan, manfaat, kerelaan, tertulis, dan amanah, serta Fatwa DSN-MUI No. 162/DSN-MUI/VII/2025. Penelitian menggunakan metode kualitatif dengan pendekatan normatif-empiris dan jenis studi kasus. Data primer diperoleh melalui observasi partisipatif dan wawancara dengan Manajer BMD, Account Officer, serta sembilan mitra, sedangkan data sekunder diperoleh dari literatur ilmiah, Fatwa DSN-MUI, dan regulasi terkait. Data dianalisis deskriptif kualitatif menggunakan model Miles and Huberman. Hasil penelitian menunjukkan bahwa pelaksanaan tanggung renteng telah berlangsung terstruktur, tetapi skema akad belum dijelaskan secara rinci. Wanprestasi dipengaruhi oleh ketidakmampuan ekonomi, moral hazard, minimnya komunikasi dan transparansi, ketidakjelasan mekanisme dan kesepakatan, serta penyalahgunaan dana pembiayaan. Pelaksanaannya belum sepenuhnya memenuhi prinsip keadilan, kerelaan, dan amanah, sedangkan prinsip manfaat dan tertulis telah terpenuhi secara formal. Ditinjau dari Fatwa DSN-MUI No. 162/2025, mekanisme tanggung renteng BMD belum sesuai karena belum menggunakan akad kafalah atau hibah bi al-syarth, belum memiliki dana kolektif kelompok yang wajib, dan berpotensi mengandung gharar. BMD perlu menyesuaikan mekanisme tanggung renteng agar selaras dengan hukum ekonomi syariah.]]>
