Garuda - Garba Rujukan Digital

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
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.

Implementation of Islamic Business Ethics in Marketing Sofa Products at ACC Furniture Jambi Marlina; Wargo
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.

Financial Technology Use in Fulfilling Family Needs: A Maqāṣid al-Sharīʿah Perspective Dwi Prasetyo; 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.v2i1.56

The proliferation of financial technology (fintech) has reshaped global and national financial systems, including practices within Muslim households in Indonesia. Beyond enabling efficient transactions, fintech holds potential to advance the objectives of Maqāṣid al-Sharīʿah, particularly in ḥifẓ al-māl (protection of wealth). This study examines how fintech is employed as a medium for family financial transactions and assesses its alignment with Maqāṣid al-Sharīʿah principles. Adopting a qualitative phenomenological approach, data were collected through observation, in-depth interviews, and documentation, then analyzed using triangulation techniques. Findings indicate that Muslim families utilize fintech for bill payments, budgeting, and sharia-compliant investments, with varying levels of digital literacy. Fintech demonstrably enhances convenience, security, and efficiency, although challenges persist, including data security risks, limited literacy, and uncertainties regarding Sharia regulatory oversight. The study contributes theoretically by shifting Islamic fintech discourse to the micro-level of households and offers practical implications for designing fintech products that better serve Muslim family needs while supporting clear, sharia-compliant regulatory frameworks.

Shopee-Pay as an Electronic Transaction Instrument: A Maqāṣid al-Sharīʿah Perspective Okta Prinoza; 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.v2i1.57

The rapid expansion of financial technology in Indonesia has reshaped everyday transaction patterns, notably through digital wallets and paylater services offered by e-commerce platforms such as Shopee. While these services deliver convenience, efficiency, and broader accessibility, questions remain regarding their alignment with the principles of maqāṣid al-Sharīʿah, particularly the protection of wealth and the prevention of consumer harm. This study analyzes the transaction mechanics of ShopeePay and evaluates their conformity with maqāṣid al-Sharīʿah. Employing a qualitative phenomenological approach, data were collected through in-depth interviews, observation, and documentation, and validated via triangulation. Findings indicate that ShopeePay, as an electronic payment instrument, is perceived as efficient, secure, and supportive of financial inclusion; however, the Shopee PayLater feature introduces ethical concerns due to potential interest-like late fees and heightened risks of consumptive behavior. The study advances the Islamic fintech literature by underscoring the need to integrate maqāṣid al-Sharīʿah into assessments of digital financial services and offers practical implications for regulators and industry practitioners to design Sharia-compliant contractual models and strengthen ethics-driven digital financial literacy.

An Islamic Economic Perspective on the Partnership Model of Broiler Chicken Farmers in Pematang Rahim Village, Mendahara Ulu Saiful Huda; Wargo; Kurniawan
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.v2i1.58

The increasing demand for animal protein in Indonesia has driven the growth of the broiler chicken farming sector, including in Pematang Rahim Village, Mendahara Ulu, which exhibits diverse partnership dynamics between farmers and business partners. This study aims to identify the partnership models adopted by broiler chicken farmers in the region and evaluate their alignment with Islamic economic principles. Employing a qualitative descriptive approach with a case study strategy, data were collected through in-depth interviews, field observations, and documentation involving farmers partnered with both corporate entities and individual brokers. The findings reveal that formal structures, written contracts, provision of production inputs, and technical guidance characterize corporate partnerships. In contrast, individual partnerships are informal, flexible, and lack oversight and equitable risk-sharing mechanisms. From an Islamic economic perspective, corporate partnerships resemble syirkah principles, while individual partnerships reflect mudharabah practices with notable deviations from fairness and transparency. This study contributes conceptually to the development of partnership models based on maqashid sharia, emphasizing justice, sustainability, and public welfare. The implications of these findings are relevant for policymakers, practitioners, and Islamic financial institutions in designing livestock partnerships that are locally adaptive and aligned with Islamic values.

The Implementation of the Ba’i Istisna Principle in Online Trading Practices Sukri; Wargo; Rosli Mokhtar
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.v2i1.59

The digital transformation of the commercial sector has encouraged communities to adopt online trading systems, including in Kelurahan Talang Babat, where the practice of ordering goods based on specific customer requirements has become increasingly common. In this context, the Ba’i Istisna contract, as a form of Islamic legal agreement that allows for the production of goods upon request, emerges as a relevant and applicable mechanism. This study aims to examine how the implementation of Ba’i Istisna in online transactions influences consumer trust and to identify the challenges encountered in its application. Employing a qualitative approach with a phenomenological strategy, data were collected through field observations and in-depth interviews with business actors and consumers, and then analyzed thematically using triangulation techniques. The findings reveal that contract transparency, clarity of product specifications, and seller accountability are key factors in fostering customer loyalty, while regulatory limitations, digital literacy gaps, and technological readiness remain significant barriers to the optimal application of Islamic principles. These results contribute to the development of a community-based sharia-compliant transaction model that is adaptive to digital dynamics and offer a conceptual foundation for local policy formulation and inclusive Islamic economic education.

Analysis of the Implementation of Mudharabah and Musyarakah Contracts, Transparency, and Member Empowerment in Islamic Cooperatives M. Iqbal Tawakkal; Wargo; Ahmad Dahlan Salleh
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.v2i1.60

Islamic cooperatives have emerged as alternative microfinance institutions expected to meet the public’s demand for a fair, transparent, and Sharia-compliant financing system. However, in practice, the implementation of profit-sharing contracts such as mudharabah and musyarakah still faces various challenges, particularly in terms of member comprehension, profit distribution mechanisms, and the effectiveness of cooperative education programs. This study aims to analyze the application of Sharia contracts in microenterprise financing by Islamic cooperatives and to evaluate members’ perceptions and experiences of the system. Employing a qualitative approach with a case study strategy, data were collected through in-depth interviews, direct observation, and document analysis from Islamic cooperatives actively financing micro-entrepreneurs. The findings reveal that members’ understanding of Sharia contracts remains limited, transparency in profit-sharing is suboptimal, and cooperative training programs have not reached all members equitably. Although cooperative financing has positively impacted members’ business development, such success is not yet fully supported by operational systems aligned with Sharia values. This study contributes conceptually to strengthening community-based Islamic economic theory and offers practical recommendations for cooperative managers and policymakers in designing more equitable, participatory, and sustainable financing systems.

Title

Found 10 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 10 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 10 Documents
Search