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All Journal Jurnal Produksi Tanaman Jurnal Penelitian Manajemen Terapan (Penataran) Jurnal Dinamika Ekonomi Syariah Jurnal Ilmu Manajemen Terapan (JIMT) Jurnal Pengabdian Masyarakat Abdimas Madani EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Kartika: Jurnal Studi Keislaman Sentra Dedikasi: Jurnal Pengabdian Masyarakat Jurnal Manajemen, Ekonomi, Hukum, Kewirausahaan, Kesehatan, Pendidikan dan Informatika (MANEKIN) Swakarya: Jurnal Penelitian Sosial dan Pemberdayaan Masyarakat Jurnal Pengabdian Masyarakat dan Riset Pendidikan Gudang Jurnal Pengabdian Masyarakat Berkala Arkeologi The International Journal of Medical Science and Health Research ZIJEc: Zabags International Journal of Economy Jurnal Kajian Hukum Dan Kebijakan Publik Media for Empowerment, Mobilization, and Innovation in Research & Community Zabags International Journal of Islamic Studies
Kuswanto
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Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Dentistry Economics, Econometrics & Finance Education Energy Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Public Health Social Sciences Veterinary Other

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Analysis of Syirkah practices in cattle farming within Islamic economics in Tanjung Jabung Timur Fidiyani; Wargo; Kuswanto
Zabags International Journal of Islamic Studies Vol. 2 No. 1 (2025): Islamic Studies
Publisher : Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijis.v2i1.35

Abstract

This study is motivated by the imperative to advance Islamic economics in Indonesia through the application of the syirkah partnership contract in agribusiness, which holds strong potential to improve rural welfare. Tanjung Jabung Timur was selected as the research locus due to its significant cattle-farming capacity, where cooperation practices remain largely traditional and informal, and often fall short of formal Sharia requirements. The study aims to identify prevailing forms of cooperation in cattle farming, assess their alignment with the syirkah framework in Islamic economics, and delineate implementation challenges. Employing a qualitative phenomenological approach, data were collected through observation, in-depth interviews, and documentation, then analyzed using thematic analysis and triangulation. Findings indicate that syirkah practices commonly rely on trust and oral agreements, which contribute to household income yet face constraints in capital, market access, and legal-Sharia literacy. The article contributes theoretically by extending discourse on syirkah within agribusiness, and practically by proposing a more equitable, transparent, and actionable cooperation model that can inform local and national Islamic economic policy. It also underscores the need to integrate classical jurisprudential principles with contemporary institutional design to enhance sustainability and compliance.
Cryptocurrency system as a digital currency in Islamic economics Zulkarnain; Wargo; Kuswanto
Zabags International Journal of Islamic Studies Vol. 2 No. 1 (2025): Islamic Studies
Publisher : Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijis.v2i1.36

Abstract

The rise of digital technologies has propelled cryptocurrency as a global financial innovation offering efficiency, transparency, and decentralized transactions. Its adoption, however, remains contentious in Indonesia, where regulations restrict its use as legal tender, and in Islamic economics, where concerns persist over speculative behavior, gharar, and maysir. This study aims to examine how cryptocurrency systems function as digital currencies and assess their compatibility with Islamic economic principles. Employing a qualitative phenomenological approach, data were gathered through interviews, observation, and documentation, then validated via triangulation. Findings indicate that cryptocurrency is predominantly used as a speculative investment rather than a medium of exchange, driven by anticipated economic gains amid persistent price volatility and regulatory uncertainty. From a Sharia perspective, most informants view its use as problematic, though some support conditional acceptance subject to governance aligned with maqasid al-sharia. This study contributes to Islamic economics by integrating users’ empirical experiences with normative analysis and offers practical implications for regulators and Islamic financial institutions in formulating policies for digital assets in the contemporary era
Implementation of QRIS as a Digital Payment System Based on Sharia Principles Rukiyah; Wargo; Kuswanto
Zabags International Journal of Islamic Studies Vol. 2 No. 1 (2025): Islamic Studies
Publisher : Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijis.v2i1.37

Abstract

The rapid digital transformation of payment systems has accelerated the shift from cash to more efficient non-cash instruments, notably through the Quick Response Code Indonesian Standard (QRIS) initiated by Bank Indonesia. This study examines the implementation of QRIS as a digital payment system in Tanjung Jabung Timur and evaluates its alignment with Sharia principles. Employing a qualitative phenomenological approach, the research draws on in-depth interviews, direct observations, and documentation involving QRIS users, both merchants and consumers, selected via purposive sampling. Findings indicate that Muslim communities in the region perceive QRIS positively due to its convenience, transactional efficiency, and the transparency and security it provides in financial recordkeeping. Identified constraints include uneven internet infrastructure and limited digital literacy. From an Islamic jurisprudence perspective, QRIS is viewed as consistent with muamalah principles, avoiding riba, gharar, and maisir, and fitting within valid contractual frameworks of sale (bay‘) and leasing of services (ijarah). The study contributes to the literature on integrating financial technology with Sharia compliance and offers practical implications for regulators, payment service providers, and businesses to strengthen Sharia-compliant financial inclusion in Indonesia.
Islamic legal analysis of pay-later usage as an electronic transaction Sri Maskanah; Wargo; Kuswanto
Zabags International Journal of Islamic Studies Vol. 2 No. 1 (2025): Islamic Studies
Publisher : Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijis.v2i1.38

Abstract

The rapid expansion of financial technology in Indonesia has propelled the popularity of buy now pay later (BNPL) services, notably Shopee PayLater, which enable deferred payments for electronic transactions while raising legal and ethical concerns from an Islamic law perspective due to interest charges and late-payment penalties. This study examines how PayLater operates as an instrument for electronic transactions and evaluates its compliance with Islamic legal principles. Adopting a Systematic Literature Review (SLR) approach, the analysis synthesizes academic literature, national regulations, and relevant Sharia fatwas. Findings indicate that, although PayLater fosters digital financial inclusion, monthly interest and late-payment penalties are inconsistent with the core structures of qardh (interest-free loans) and bai’ al-taqsith (credit sales with predetermined prices), and potentially contravene maqasid al-sharia, particularly the protection of wealth (hifz al-mal). The article advances theory by reinforcing Islamic law as a robust framework for assessing contemporary fintech, and offers practical guidance for regulators and providers to develop Sharia-compliant PayLater models grounded in fairness, transparency, and sustainability. These results also underscore the need for future empirical and cross-jurisdictional research on Islamic fintech regulation.
Salam Contract in Online Transactions: A Review Based on the Compilation of Sharia Economic Law Samsul Muin; M.Arif Mustofa; Reza Okva Marwendi; Al Munip; Kuswanto
Zabags International Journal of Islamic Studies Vol. 2 No. 2 (2025): Islamic Studies
Publisher : Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijis.v2i2.61

Abstract

The advancement of digital technology has significantly transformed commercial practices, including the emergence of online transactions that require legal and ethical adaptation in accordance with Sharia principles. In this context, the akad salam, a deferred sale contract in Islamic law, becomes increasingly relevant, particularly within the framework of the Compilation of Sharia Economic Law (Kompilasi Hukum Ekonomi Syariah, KHES). This study aims to examine the validity and relevance of akad salam in online sales based on KHES provisions and to evaluate the compatibility of e-commerce practices with the principles of fiqh muamalah. Employing a systematic literature review (SLR) approach, this research identifies, evaluates, and synthesizes scholarly literature published within the last five years that discusses akad salam, digital transactions, and Sharia economic regulations. The findings indicate that akad salam can be legally applied in online transactions, provided that essential conditions such as clarity of goods, delivery schedule, and upfront payment are fulfilled. However, gaps in understanding among business actors and limitations in digital regulations accommodating Sharia principles remain evident. This article contributes to the field by constructing a conceptual framework that integrates KHES with electronic transaction regulations and offers recommendations for policy enhancement, business education, and future research directions in the development of Sharia-compliant digital commerce.
Co-Authors Abu Hardiansah Ade Irwina Safitri Ahmad Edi Saputra Andik Rosnawati Andini, Sukma Tri Astutik, Nur Fithria Wiji Aulia, Noerfirdha Baharudin Bekti Putri Harwijayanti Budi Waluyo Delvia Muharramah DIRGANTARA WICAKSONO Durrotun Nafisah Eryadini , Ninies Evi Aulia Rachma Fidiyani Frida puspitasari Husairi, Ridwan Imam Syafi’i Krisdiana Wijayanti Kurniawan Lutfia Yasmin M. Arif Musthofa M.Arif Mustofa Madinatul munawwarah Marlina Muhammad Chalil Muhammad Ikhlas Munip, Al Murti Ani Murti Ani Nanda Oktaviani Astuti Nilfatri Ninies Eryadini, Ninies Noer Rahmi Ardiarini, Noer Rahmi Nur Fitria Wiji Astutik Rachma, Evi Aulia Rahayu Mustika Putri Rahmat Hidayat, Asep Rajali Ramadhani, Dhea Fitri Raras Windaswara Ratna Nurdiana RATNA NURDIANA Reza Okva Marwendi Ria Astuti Safitri Roudhotul Rizki Novita Putri Rukiyah Safitri, Ria Astuti Samsul Muin Sinaga, Hot Martua Sindi Siswanto Sofia Tri Septiawati Sophia Nurelita Dewi Sri Maskanah Susiati wandi Wany Raharjo Wahyudi, Wany Raharjo Wargo Yaffie Mohammad Rizaq Yaffie Noor Rochim Youhanita, Ety Zaenal Abidin Zaenal Abidin Zeni Sunarti Zulkarnain