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Accountability in Islamic Law for Damage or Loss of Goods in Service Transactions: A Systematic Literature Review Dimas Iin Ricky Prasetiyo; Wargo; Kurniawan; Iwan Aprianto
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.v2i2.13

This article examines the accountability of service providers in cases of loss or damage to goods from the perspective of Islamic law. The study aims to analyze the extent to which classical jurisprudence and contemporary scholarship offer a coherent foundation for resolving modern service-related issues. Employing a systematic literature review approach, data were gathered from open-access journal publications, focusing on works that specifically address the principles of amanah (trust) and daman (liability) within contractual frameworks. The review identifies several thematic categories, including the interpretation of accountability in classical texts, the application of liability in financial and logistics services, and the adaptation of shariah principles in contemporary service sectors. Findings reveal that accountability in Islamic law not only concerns contractual obligations but also embodies ethical and spiritual responsibilities, thereby reinforcing the protection of consumer rights in alignment with the objectives of maqasid al-shariah. The study contributes to the development of academic discourse on liability and accountability in Islamic jurisprudence while providing practical insights for policymakers and service providers in formulating fair and shariah-compliant service agreements.

Digital Islamic Banking and Millennial Preferences: A Systematic Literature Review Mardiantoro; Wargo; Kurniawan; Anshori
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.v2i2.19

This article examines millennial behavioral patterns in adopting Islamic digital banking services using the Theory of Planned Behavior (TPB) as the primary analytical framework. The study was conducted through a systematic literature review of empirical works published in reputable journals over the last five years, focusing on key factors influencing behavioral intention and actual usage. Data sources were drawn from international open-access databases, applying rigorous inclusion and exclusion criteria to ensure relevance and quality. The review findings highlight that perceived usefulness, perceived ease of use, religiosity, and trust in Shariah compliance consistently emerge as dominant determinants. Moreover, social influences formed through peer groups and digital communities were found to strengthen the adoption process, especially in the millennial segment that is highly exposed to technology. These results underline the significance of integrating technological innovation with religious values to enhance user acceptance. The article contributes to the theoretical enrichment of TPB in the Islamic financial context while offering practical insights for financial institutions and policymakers to design digital banking strategies that are user-oriented, ethically grounded, and responsive to millennial digital behavior.

Lease Contract Practices in Fishing Pond Rentals from the Perspective of Islamic Law Ilham Agung Wicaxsono; 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

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 Hot Martua Sinaga; 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

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

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; 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.v2i1.32

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

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

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

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

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

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