Garuda - Garba Rujukan Digital

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

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

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.

Islamic Economic Principles Review of Cooperative Practices in Broiler Chicken Farming in Geragai District Suparno; 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.v2i1.39

This study examines cooperative practices in broiler chicken farming in Geragai District, where the prevalent core–plasma partnership model raises persistent issues of equity, transparency, and risk distribution. The primary objective is to describe the cooperation between plasma farmers and core companies and assess its alignment with Islamic economic principles. Employing a qualitative case study approach, data were collected through in-depth interviews, field observations, and document analysis, and were subjected to thematic analysis with triangulation to ensure validity. Findings indicate that core companies dominate price setting, chick quality, and harvest timing, while plasma farmers bear mortality risk and additional costs, producing an uneven allocation of profits and risks. Contracts are frequently insufficiently detailed or not fully documented in writing, resulting in ambiguous agreements that contravene Islamic commercial ethics. The study contributes theoretically by reaffirming the relevance of the concepts of syirkah and mudharabah in evaluating partnership models, and practically by recommending more equitable, transparent, and Sharia-compliant contracts. It also highlights implications for future research and the need to strengthen Sharia legal literacy among plasma farmers.

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.

Islamic Law Review of the Practice of Cemetery Land Transactions in Bandar Jaya Village, Rantau Rasau Subdistrict Adrian Wiratama Saputra; Wargo; Wandi; Eti Fatiroh
Zabags International Journal of Islamic Studies Vol. 3 No. 1 (2026): Islamic Studies
Publisher : Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijis.v3i1.69

The limitation of cemetery land has become an increasingly complex issue alongside population growth and the scarcity of public space, prompting the emergence of alternative practices in cemetery land management at the community level. This study aims to describe the practice of cemetery land transactions in Bandar Jaya Village, Rantau Rasau Subdistrict, and to analyze it from the perspective of Islamic law. The research employs a qualitative descriptive approach with a phenomenological strategy, utilizing data collection techniques such as interviews, observations, and documentation. The findings reveal that the practice does not take the form of conventional buying and selling, but rather a collective contribution system that grants long-term usage rights to cemetery land within family structures, accompanied by fund management for social purposes and community investment. From the perspective of Islamic law, this practice tends to align with the principles of muamalah as long as it upholds justice, public benefit, and avoids prohibited elements, while also resembling the concepts of usufruct rights and waqf in the management of public assets. This study contributes to the enrichment of contemporary Islamic legal scholarship by offering a contextual analysis and proposing a sustainable, community-based model for cemetery land management oriented toward social welfare.

Islamic Legal Review of Online Lending Practices (A Case Study of the Community in Muara Sabak Timur District) Syari Muda Saputra; Wargo; Siti Fatimah; Masvood
Zabags International Journal of Economy Vol. 4 No. 1 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i1.122

The rapid expansion of online lending services in Indonesia has increased public access to financing while simultaneously raising legal, ethical, and Sharia compliance concerns. This study aims to examine online lending practices in Muara Sabak Timur District and assess their conformity with Islamic legal principles. Employing a qualitative case study design, the research draws on in-depth interviews, field observations, and document analysis involving users of online lending services. The data were analyzed thematically to identify patterns of practice, underlying driving factors, and their social as well as normative implications. The findings indicate that the use of online loans is predominantly driven by consumptive needs and facilitated by ease of access and rapid disbursement, whereas users’ understanding of cost structures and contractual (akad) arrangements remains limited. The imposition of interest, ambiguity in contractual terms, and certain debt collection methods suggest potential inconsistencies with the principles of riba, gharar, and justice in muamalah. This study contributes to strengthening Islamic economic law analysis within the context of digital finance and provides a foundation for developing more equitable and Sharia-compliant digital financing models.

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