Article Per Year (5 Year)
p-Index From 2021 - 2026
3.357
P-Index
This Author published in this journals
All Journal Arus Jurnal Sosial dan Humaniora Journal of Economics and Social Sciences Swakarya: Jurnal Penelitian Sosial dan Pemberdayaan Masyarakat ZIJEd :Zabags International Journal of Education Jurnal Pengabdian Masyarakat dan Riset Pendidikan Jurnal Pengabdian Masyarakat Indonesia (JPMI) ZIJEc: Zabags International Journal of Economy ZIJEn: Zabags International Journal of Engagement
Wargo
Unknown Affiliation
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Materials Science & Nanotechnology Mathematics Social Sciences Other

Published : 26 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 26 Documents
Search

 1   2   3 
Tinjauan Hukum Ekonomi Syariah terhadap Praktik Penjualan Bahan Bakar Minyak Pertalite: Studi pada Pertamini Desa Mencolok Mendahara Ulu Pratama, M Hendra; Marwendi, Reza Okva; Wargo; Kurniawan; Haeran
Arus Jurnal Sosial dan Humaniora Vol 5 No 2: Agustus (2025)
Publisher : Arden Jaya Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57250/ajsh.v5i2.1371

Abstract

Penelitian ini bertujuan untuk menganalisis praktik penjualan Bahan Bakar Minyak (BBM) Pertalite melalui Pertamini di Mancolok Kecamatan Mendahara Ulu dari perspektif hukum ekonomi syariah. Pertamini merupakan agen penjual BBM eceran non-resmi yang muncul sebagai respons terhadap keterbatasan akses masyarakat ke SPBU resmi. Penelitian ini menggunakan pendekatan kualitatif dengan metode penelitian lapangan (field research) dan kajian doktrinal hukum Islam. Data dikumpulkan melalui wawancara mendalam dengan 15 informan, observasi di 22 lokasi Pertamini, dan studi dokumentasi. Hasil penelitian menunjukkan bahwa praktik Pertamini di Mancolok memiliki karakteristik: (1) beroperasi tanpa izin resmi; (2) menetapkan harga 20-30% lebih tinggi dari SPBU; (3) menggunakan alat ukur tidak terstandar; (4) melayani pembelian dalam jumlah kecil; dan (5) memberikan fasilitas kredit. Dari perspektif hukum ekonomi syariah, praktik ini mengandung unsur gharar dalam takaran dan kualitas, melanggar prinsip ketaatan pada regulasi pemerintah, serta memiliki potensi tadlis dalam sistem pengukuran. Namun, praktik ini juga memberikan maslahat berupa kemudahan akses BBM bagi masyarakat terpencil. Penelitian ini merekomendasikan: (1) pembentukan regulasi khusus untuk agen BBM skala mikro; (2) pengembangan program kemitraan oleh PT Pertamina; (3) formalisasi usaha Pertamini melalui koperasi atau agen resmi; (4) standardisasi alat ukur dan penetapan harga maksimal; serta (5) program edukasi tentang muamalah yang benar. Implementasi rekomendasi ini diharapkan dapat mentransformasi Pertamini menjadi aktivitas ekonomi yang legal dan sesuai syariah tanpa mengorbankan kebutuhan masyarakat
The Influence of Product Quality and Service on Customer Satisfaction at Pondok Kito & Resto Yulianti Yustina; Wargo; Saputra, Ahmad Edi
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.106

Abstract

This study aims to examine the influence of product quality and service quality on customer satisfaction at Pondok Kito & Resto, an MSME operating in Tanjung Jabung Timur Regency. Using a quantitative approach with a causal research design, primary data were collected through questionnaire distributed to 97 respondents, and analyzed using descriptive and inferential statistics, including multiple linear regression. The results show that both product quality and service quality have a significant and positive effect both partially and simultaneously on customer satisfaction. Partial tests (t-tests) of X1 - Y resulted in a significance the calculated t-value of 13.587 far exceeds the table's t-value of 1.661. Thus, Ha is accepted and H0 is rejected. The results of X2 - Y is significance the calculated t-value of 9.035, which is greater than the t table of 1.661. Thus, the alternative hypothesis (Ha) is accepted, and H0 is rejected. The influence of product quality (X1), and service (X2), on customer satisfaction (Y) of Pondok Kito & Resto in Tanjung Jabung Timur Regency. The test results showed that the F value was calculated as 133.758 with a significance value of 0.000. Since the significance value is much smaller than the specified significance level (α = 0.05), it can be concluded that H0 is rejected and Ha is accepted. These findings indicate that high-performing and reliable products, as well as responsive and empathetic services, contribute directly to a better customer experience. The contribution of this research lies in offering empirical insights that reinforce the integration of quality management strategies in MSMEs to enhance customer loyalty and long-term competitiveness in the culinary sector.
The Contribution of Rice Farming to the Economic Welfare of the Community Marlina, Marlina; Fatimah, Siti; Wargo; Poetro, Arief Eko
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.108

Abstract

This study aims to examine the contribution of rice farming business to improving the economic welfare of the community in Simpang Datuk Village, Nipah Panjang District. The method used is a descriptive qualitative approach with data collection techniques through interviews and field observations. The results of the study show that rice farming makes a significant contribution to community income, access to education, and the fulfillment of basic needs. The strategies implemented by farmers include the use of agricultural technology, the selection of superior varieties, and the strengthening of local institutions. Nonetheless, challenges such as capital constraints, climate change, and selling prices remain obstacles that require appropriate policy interventions. The conclusion of this study confirms that rice farming has great potential in improving the economic welfare of rural communities in a sustainable manner.
Empowerment of Fishery Products in an Islamic Economic Perspective: Strategies to Increase Fishermen's Income Baharuddin, Agusman; Wargo
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.110

Abstract

This study aims to analyze the practice of empowering fishery products of the Lambur Luar Village community in increasing fishermen's income based on an Islamic economic perspective. Using a descriptive qualitative approach, data was obtained through interviews and direct observation. The results of the study show that fishermen still depend on the sale of raw products to middlemen, with low added value. In the perspective of Islamic economics, empowerment should include aspects of justice, productivity, and distribution of benefits. Therefore, sharia-based strategies are needed such as strengthening cooperatives, access to halal financing, and education in seafood processing. The conclusion of this study emphasizes the importance of integrating Islamic values in the economic empowerment of coastal communities.
The Role of Service Quality in Santri Satisfaction at the Darussalam Islamic Boarding School Cooperative, Tanjung Jabung Timur Regency Setiawan, Agus; Wargo; Wulandari, Triyana
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.115

Abstract

The increasing demands of society on educational institutions to produce high-quality future generations have pushed Islamic boarding schools (pesantren) to integrate not only religious education but also economic empowerment through cooperative enterprises. This study aims to explore the role of service quality in influencing santri satisfaction within the Darussalam Islamic Boarding School Cooperative in Tanjung Jabung Timur Regency. Using a qualitative approach with a case study strategy, the research collected primary data through observation, interviews, and documentation involving santri who had made repeated purchases. The findings reveal that the cooperative plays a dual role as both a provider of essential goods and a platform for entrepreneurial education. Empathy, responsiveness, and reliability emerged as key service quality dimensions contributing to customer satisfaction. However, the study also identified structural limitations such as inconsistent service procedures and inadequate facilities. These results highlight the significance of aligning service quality with Islamic values and educational goals to enhance both satisfaction and institutional effectiveness. The study contributes to the literature by contextualizing service quality within faith-based educational settings and offers practical recommendations for strengthening cooperative operations in pesantren environments.
A Literature Review on Risk Management in Mudharabah and Musyarakah Financing Products within the Context of Islamic Banking Khayat, Aghvar Aziz Nur; Wargo; Niskaromah
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.116

Abstract

Islamic banks operate based on Sharia principles that prohibit riba, gharar, and maysir, promoting a profit-and-loss sharing (PLS) model through Mudharabah and Musyarakah contracts. These contracts embody ideals of fairness and partnership, positioning the bank as a capital provider (shahibul maal) in Mudharabah, and as an equal partner in Musyarakah. However, despite their theoretical advantages, PLS-based financing faces substantial risks in practice, including moral hazard, information asymmetry, and limited monitoring capacity. This study aims to identify the main risks associated with these contracts, evaluate risk management approaches, and compare mitigation strategies across both financing schemes. Using a Systematic Literature Review (SLR) method, the study collected, filtered, and synthesized scholarly publications from 2013 to 2023 sourced from Google Scholar, SINTA, DOAJ, OJK, and BI databases. The thematic analysis reveals recurring issues in governance, supervision, and policy alignment, while also outlining best practices and technological innovations for mitigating risk. This article contributes to both the theoretical understanding and practical application of risk management in Islamic finance by offering comprehensive insights for academic development, industry practices, and regulatory frameworks aimed at enhancing the sustainability and distinctiveness of Islamic banking through optimized equity-based financing models.
A Literature Review on the Role of the Sharia Supervisory Board in Maintaining Sharia Compliance in Islamic Banks Thoib, Muhammad; Wargo; Bibi , Tahira
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.117

Abstract

Sharia Supervisory Boards (SSBs) play a crucial role in ensuring that Islamic banks operate in accordance with Islamic legal principles, serving as a key component of accountable and ethically grounded sharia governance. As the Islamic financial industry expands rapidly, concerns have emerged regarding the actual effectiveness of SSBs in carrying out their oversight functions. This study employs a narrative literature review approach to explore the strategic roles, challenges, and institutional effectiveness of SSBs based on a critical synthesis of peer-reviewed academic publications, regulatory reports, and other credible open-access sources published in the last decade. The findings reveal that while SSBs are formally embedded within Islamic banking structures, their practical impact often remains constrained by limited authority, structural dependency, and potential conflicts of interest. Furthermore, variations in competence, access to information, and standardization of governance practices also influence their performance. This article contributes to the academic discourse by systematically mapping the theoretical and practical dimensions of SSB functions and offering conceptual insights to strengthen sharia governance through more independent and credible oversight mechanisms aligned with the objectives of maqāṣid al-sharī‘ah.
The Role of the Village-Owned Enterprise of Kota Kandis Dendang Village in Community Economic Empowerment Based on Sharia Principles Masyanto; Wargo; Dewi, Hasna; Arjmand, Reza
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.118

Abstract

This study explores the role of Village-Owned Enterprises (BUMDes) in promoting community economic empowerment in Kota Kandis Dendang Village through the application of Islamic economic principles. Despite the presence of various development programs initiated by BUMDes, public participation remains limited, largely due to low awareness and engagement. By adopting a qualitative field research approach using an empirical juridical method, the study collected primary data through observation, structured interviews, and documentation involving five key informants. The findings reveal four main themes: lack of community involvement, efforts to implement Sharia values, managerial and regulatory challenges, and emerging signs of social and economic empowerment. BUMDes has initiated inclusive programs that reflect Islamic ethical values, fostering trust and local support. However, structural constraints such as insufficient institutional capacity and absence of formal Sharia governance frameworks hinder its optimal implementation. This research contributes to the academic discourse by framing BUMDes as a hybrid institution economic and ethical rooted in religious values, and provides a practical reference for enhancing rural governance through Sharia-based models.
An Analysis of the Implementation of Sharia Principles in Savings and Loan Products of the Amanah Umat Cooperative in Dendang District Kurniawan; Wargo; Dewi, Hasna; Hashim, Emilda
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.119

Abstract

Islamic cooperatives serve as microfinance institutions that aim to integrate Islamic ethical values into financial practices, particularly in rural areas where access to formal banking remains limited. This study investigates the implementation of sharia principles in the savings and loan products of the Amanah Umat Cooperative in Dendang District, with a focus on the application of mudhārabah and musyārakah contracts. Utilizing a qualitative case study approach, the research involved field observations, in-depth interviews, and document analysis to capture the experiences of cooperative members and staff. The results show that while the cooperative demonstrates an intention to adhere to Islamic principles such as justice, mutual cooperation, and the prohibition of riba its implementation is constrained by informal practices, limited literacy, and the absence of internal sharia supervision. The use of mudhārabah and musyārakah is frequently inconsistent with normative sharia standards due to lack of contract clarity and risk-sharing mechanisms. This study contributes both theoretically and practically by offering grounded insights into the challenges of operationalizing Islamic finance at the grassroots level and highlights the need for context-sensitive strategies to enhance sharia compliance in cooperative systems.
Effectiveness of Hybrid Learning in Enhancing Self-Directed Learning among University Students Dilani Gedera; Maimunah; Wargo; Nor Azura Abdullah; Masitah Shahrill
Zabags International Journal of Education Vol. 3 No. 2 (2025): Education
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijed.v3i2.32

Abstract

The digital transformation of higher education has accelerated the adoption of hybrid learning models that combine face-to-face and online instruction. This quantitative correlational study investigates the influence of hybrid learning effectiveness on university students’ self-directed learning. A sample of 120 students completed a structured Likert-type questionnaire measuring five dimensions of self-directed learning (self-regulation, intrinsic motivation, time management, initiative in seeking resources, and self-evaluation) and multiple indicators of hybrid learning effectiveness (balance of synchronous/ asynchronous activities, access to digital resources, pedagogical interactivity, and instructor support). Data were analyzed using descriptive statistics, Pearson correlation, and simple linear regression implemented in SPSS. Results indicate a positive and statistically significant relationship between hybrid learning effectiveness and students’ self-directed learning, with hybrid learning accounting for a substantial portion of variance in autonomy-related outcomes. The findings suggest that successful hybrid designs necessitate not only technological readiness but also intentional pedagogical strategies and instructor facilitation to foster learner autonomy. The study reinforces the theoretical fit of self-directed learning frameworks in hybrid contexts and offers practical guidance for institutions aiming to cultivate autonomous learners in the digital era.
Co-Authors Agus Setiawan Ahmad Edi Saputra Al-Munawar, Rizky Al-Munip Andre Setyo Bayu Arjmand, Reza Baharuddin, Agusman Bibi , Tahira Daud Desyana Safitri dewi, hasna Dilani Gedera Dini Ayu Lestari Embang Febriansyah Gano, Erwin Ghozali Abbas Gilang Anugrah Sugalih Haeran Hashim, Emilda Kaharuddin Kartika Devi, Erwina Khayat, Aghvar Aziz Nur Khoiratun Nisak, Sayida Kurniawan Kuswanto M. Arif Musthofa M. Syafi’i Maimunah Marlina Marlina Marwendi, Reza Okva Masitah Shahrill Masyanto Mustar Juhairi Nabil Errenzy Niskaromah Nor Azura Abdullah Nurasia Pera Desvita Pini Susanti Poetro, Arief Eko Pratama, M Hendra Putri Dewi, Azizah Rahmah, Lina Uliatur Rahmat Naufal Al Faiz Reza Okva Mawandi Ria Astuti Safitri Rusdi Zaini Fajri Saputra, Ahmad Edi Sarmiati Sarmiati Sarwono Sayida Khoiratun Nisak Siti Fatimah Suhaibatul Islamiyah Tarmuji Thoib, Muhammad wandi Wulandari, Triyana Yulianti Yustina Zaenal Abidin Zaenal Abidin Zeni Sunarti