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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 ZIJEc: Zabags International Journal of Economy ZIJEn: Zabags International Journal of Engagement Zabags International Journal of Islamic Studies
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

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Lease Contract Practices in Fishing Pond Rentals from the Perspective of Islamic Law Wicaxsono, Ilham Agung; Wargo; Kurniawan
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.v2i2.24

Abstract

This study explores the leasing mechanism of fishing ponds from an Islamic legal perspective, focusing on the practice at Pojok Ikan Jambi as a case study. The background of this research is rooted in the importance of ensuring that economic transactions, particularly those involving ijarah (leasing), align with Sharia principles to guarantee fairness, transparency, and mutual benefit. The primary objective is to examine the operational system of pond rentals and assess the validity of the contract structure used within the framework of Islamic law. Utilizing a qualitative case study approach, data were collected through direct observation, interviews with the pond owner and customers, and documentation analysis. The findings reveal that the leasing system at Pojok Ikan Jambi operates on a time-based access model tied to a prior fish purchase, forming a composite contract structure (al-uqud al-murakkabah). Despite the informal verbal nature of the agreement, the practice meets essential criteria of Islamic leasing, including mutual consent and benefit clarity. This article contributes to the understanding of how informal community-based business models can ethically implement Islamic economic principles. The implications encourage Sharia-based contract literacy and contextually grounded policy support for micro-enterprises operating under similar informal frameworks.
Community Experiences in Confronting Economic Inequality and Its Impacts on Livelihoods Sinaga, Hot Martua; 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.v2i1.30

Abstract

This study aims to provide an in-depth understanding of community experiences in confronting economic inequality and the effects on social, psychological, and livelihood dimensions among low-income groups. Grounded in the observed widening gaps in wealth distribution and unequal access to economic resources in Indonesia, the research adopts a qualitative case study approach employing in-depth interviews and participant observation with individuals and groups directly affected by inequality. Findings reveal that economic inequality constrains access to education, healthcare, and decent employment, while also elevating psychological stress and social marginalization. Communities enact two primary adaptive strategies: problem-focused coping, through income diversification, micro-entrepreneurship, and stricter household resource management; and emotion-focused coping, through strengthened spiritual practices and mutual social support. By integrating perspectives on inequality, social mobility, and coping, the study contributes to theoretical refinement regarding adaptive responses to structural disadvantage and enriches the literature on lived strategies of resilience. Practically, the results inform more inclusive social policy design that centers community experiences and supports capacity-building rather than solely providing short-term material assistance.
The Role of Small and Medium Enterprises in Local Economic Development: A Case Study of Tanjung Jabung Timur, Jambi Province Marlita; Wargo; Zaenal Abidin
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.v2i1.31

Abstract

This study examines the strategic role of Small and Medium Enterprises (SMEs) in driving local economic development in Tanjung Jabung Timur, Jambi Province, against a backdrop of place-based development imperatives and underutilized local resources. The research aims to (1) identify the contributions of SMEs to job creation, household income, and local economic structure, and (2) analyze the enabling and constraining factors affecting SME development, including access to finance, technology, market, and managerial capacity. Employing a qualitative case study approach, data were collected through in-depth interviews, participant observation, and document review with SME owners, local government officials, and relevant stakeholders, and analyzed using thematic coding and triangulation. Findings indicate that SMEs substantively contribute to employment and income generation and strengthen local value chains by leveraging local raw materials, yet their growth is constrained by limited financing options, weak managerial skills, low adoption of digital marketing, and episodic institutional support. The study contributes conceptually by integrating local economic development, SME roles, and community empowerment frameworks, and offers practical recommendations for capacity building, inclusive financing schemes, and policy measures to enhance SME-driven, sustainable local development.
The Role of Government in the Implementation of Food Security Programs through Catfish Farming (lele) Amat Antoni; Wargo; Abidin, Zaenal
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.v2i1.32

Abstract

This study examines the role of local government in implementing a food security program based on catfish (lele) farming in Kelurahan Talang Babat, focusing on four dimensions: public policy and institutional support, communication and outreach, human resource development, and financing and infrastructure management. Adopting a qualitative phenomenological approach, the research draws on in-depth interviews with farmers and government actors, direct field observation, and documentary evidence; data were analyzed thematically with triangulation across sources. Findings indicate that while local authorities have facilitated group formation, provided initial inputs, and conducted introductory outreach, program effectiveness is constrained by one-way communication, limited farmer capacity to operate modern bioflok technology, inadequate follow-up financing, and inconsistent monitoring. These constraints reduce the program’s ability to achieve sustained production gains and community resilience. The study contributes theoretically by situating public policy and governance variables within a micro-level aquaculture context and practically by recommending continuous technical extension, group-based financing models, and participatory monitoring mechanisms to enhance the sustainability and self-reliance of community-based food security initiatives.
The Role of Islamic Microfinance Institutions in Promoting UMKM (Micro, Small, and Medium Enterprises) Growth in Indonesia: A SWOT Analysis Susiati; 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.v2i1.33

Abstract

This study investigates the role of Islamic microfinance institutions in fostering the growth of UMKM (Micro, Small, and Medium Enterprises) in Indonesia by applying a SWOT (Strengths, Weaknesses, Opportunities, Threats) framework. Motivated by the gap between the considerable potential of Islamic microfinance as an inclusive financial instrument and persistent implementation challenges such as limited financial literacy, restricted outreach, and regulatory fragmentation the research aims to map internal and external strategic factors that affect institutional effectiveness. Employing a qualitative descriptive-analytic approach, data were collected through in-depth interviews, field observation, institutional documentation, and review of relevant policy and literature. Findings reveal that core strengths include profit-and-loss sharing mechanisms and social commitment, while key weaknesses comprise low Islamic financial literacy among UMKM actors and constrained service coverage. Identified opportunities center on digitalization and supportive pro-Islamic finance regulations; principal threats include strong competition from conventional finance providers and uneven regulatory implementation. The study concludes that realizing the strategic potential of Islamic microfinance requires integrated actions digital innovation, literacy enhancement, and institutional coordination to advance inclusive and sustainable economic empowerment for UMKM in Indonesia.
Implementation of Islamic Business Ethics in Marketing Sofa Products at ACC Furniture Jambi Marlina; 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.v2i1.34

Abstract

Islamic business ethics fundamentally emphasize honesty, trustworthiness, justice, and transparency in all economic activities, including marketing practices. Amid intensifying market competition, the application of Islamic business ethics serves not only as a moral compass but also as a strategic lever to build consumer trust and strengthen competitive advantage. This study analyzes the implementation of Islamic business ethics in marketing sofa products at ACC Furniture Jambi, focusing on how the firm’s marketing strategies align with Sharia principles. Employing a qualitative case study approach, data were collected through interviews, observations, and documentation, and analyzed descriptively via data reduction, display, and conclusion drawing. The findings indicate that ACC Furniture Jambi applies marketing strategies encompassing segmentation, targeting, positioning, differentiation, and the marketing mix, supported by ethical practices such as transactional honesty, rejection of false oaths, courteous service, adherence to halal principles, and avoidance of riba. These results demonstrate that embedding Islamic business ethics enhances brand credibility, strengthens customer loyalty, and contributes to the literature on Islamic marketing, while offering practical guidance for small and medium enterprises to integrate Sharia values into their marketing strategies.
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.
Co-Authors Ahmad Dahlan Salleh Ahmad Edi Saputra Al-Munawar, Rizky Al-Munip Amat Antoni Andre Setyo Bayu Anshori Arif Budiman Arjmand, Reza Baharuddin, Agusman Baharudin Bibi , Tahira Darmawan Dwi Prasetyo Daud Desyana Safitri dewi, hasna Dicky Eka Saputra Dilani Gedera Dimas Iin Ricky Prasetiyo Dini Ayu Lestari Dwi Prasetyo Eka Saputra Embang Erwina Kartika Devi Eti Fatiroh Fidiyani Gano, Erwin Gilang Anugrah Sugalih Haeran Hashim, Emilda Iwan Aprianto Kaharuddin Kartika Devi, Erwina Khayat, Aghvar Aziz Nur Khoiratun Nisak, Sayida Kurniawan Kuswanto M. Arif Musthofa M. Iqbal Tawakkal M. Syafi’i Maimunah Mardiantoro Marlina Marlina Marlina Marlita Marwendi, Reza Okva Masitah Shahrill Masvood Masyanto Niskaromah Nor Azura Abdullah Nurasia Nurjali Okta Prinoza Pera Desvita Pini Susanti Poetro, Arief Eko Pratama, M Hendra Putri Dewi, Azizah Rahmah, Lina Uliatur Rahmat Naufal Al Faiz Reza Okva Mawandi Rosli Mokhtar Rukiyah Rusdi Zaini Fajri Saiful Huda Saputra, Adrian Wiratama Saputra, Ahmad Edi Saputra, Syari Muda Sarmiati Sarmiati Sarwono Sayida Khoiratun Nisak Sinaga, Hot Martua Siti Fatimah Sri Maskanah Sukri Suparno Susiati Tarmuji Thoib, Muhammad wandi Wicaxsono, Ilham Agung Wulandari, Triyana Yulianti Yustina Zaenal Abidin Zaenal Abidin Zeni Sunarti Zulkarnain