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Nilfatri
Institut Islam Al-Mujaddid Sabak (IIMS) Tanjung Jabung Timur, Indonesia
Religion Economics, Econometrics & Finance Education Social Sciences Other

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An Islamic Legal Review of the Joint Liability System Practice in PNM Mekar Financing Putri ayu Srikandi; Nilfatri; Sri Kadarsih; Reza Okva Marwendi; Alisyah Pitri
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.v2i2.20

Abstract

This study examines the implementation of the tanggung renteng (joint liability) system in microfinance practices at PNM Mekaar in Kelurahan Parit Culum 1, from the perspective of Islamic law, particularly the concept of kafalah (guarantee). The research is motivated by the discrepancy between the formal agreement of shared responsibility and the actual practice, where group leaders often bear the burden alone due to other members’ unwillingness to contribute. Using a qualitative case study approach, data were collected through interviews, observation, and documentation involving group members, the group leader, and the PNM branch head. The results show that although the joint liability system aims to promote collective responsibility, it is not fully understood or fairly implemented among members. In several cases, the system shifts the responsibility unfairly onto group leaders, creating moral and financial injustice. From the Islamic legal perspective, while the concept of kafalah allows for such a guarantee mechanism, it must be based on fairness, willingness, and mutual consent. This study contributes to the discourse on aligning microfinance practices with Sharia principles and recommends better socialization, transparency, and regulatory safeguards to uphold justice in group lending schemes.
An Islamic Legal Review of Fixed-Tariff Fishing at Kasdi Fishing in Rano Village Rini Indriyani; Nilfatri; Siti Fatimah; Kurniawan; Triyana Wulandari; Hasna Dewi
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.v2i2.44

Abstract

This study examines the practice of fixed-tariff recreational fishing at Kasdi Fishing in Rano Village from the perspective of Islamic law, focusing on the applicability of the ijarah contract and the prohibitions against gharar and maisir. The phenomenon where anglers pay an upfront fee without prior knowledge of catch outcomes raises questions about fairness and contractual certainty. The primary aims are to describe the tariff system in place and to assess its conformity with muamalah principles. A qualitative field approach was employed, using semi-structured interviews, direct observation, and documentation involving the owner, visitors, community leaders, and religious authorities. Findings indicate that the upfront fee functions as a payment for the right to use facilities and time (a service-oriented ujrah), rather than as a wager on catch results; the uncertainty inherent in possible zero catch is considered a normal, light degree of risk and does not amount to major gharar or to maisir when transactions are transparent and consented. The study contributes to contemporary fiqh muamalah by extending the practical application of ijarah to recreational fisheries and by offering a service-contract model that aligns commercial practice with Islamic contractual ethics.
An Islamic Law Review of the Practice of Selling Confiscated Items at Pondok Pesantren Riyadhul Amien Danau Lamo Silvina Dwi Ruswadi; Nilfatri; Reza Okva Marwendi; Alisyah Pitri
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.v2i2.45

Abstract

This study examines the practice of confiscating and subsequently selling abandoned personal items at Pondok Pesantren Riyadhul Amien Danau Lamo from the perspective of Islamic law, focusing on the legitimacy of ownership transfer and conformity with muamalah principles. The research responds to an institutional practice in which items left unattended by santri are collected by cleanliness officers, announced, cleaned, and later sold to support the pesantren’s cleaning needs. Employing a qualitative case study approach, data were gathered through direct observation, in-depth interviews with administrators and students, and review of internal documentation, then analyzed via data reduction, thematic presentation, and verification. Findings indicate that confiscation and resale are conducted openly, including prior announcement, and that proceeds are allocated to communal cleaning supplies rather than private gain. From an Islamic legal standpoint, the practice may be considered permissible provided it meets the criteria of transparency, adequate announcement, and utilization for the common good (maslahah). The study contributes to extending the application of the concept of al-milkiyyah (ownership) beyond state and financial contexts into Islamic educational institutions, and offers a basis for pesantren to develop written, accountable, and sharia-compliant regulations regarding confiscated property
An Islamic Law Review of Conditional Debt Practices Between Collectors and Fishermen Kamisatun; Nilfatri; Hasna Dewi; Kurniawan; Zeni Sunarti; Reza Okva Marwendi
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.v2i2.46

Abstract

This study examines conditional debt practices between collectors (fish buyers) and fishermen in Tanjung Solok Village, Kuala Jambi Subdistrict, a traditional economic relationship rooted in urgent livelihood needs yet prone to contractual inequities from an Islamic law perspective. The primary objective is to analyze how these conditional lending arrangements are executed and to assess their validity under Islamic legal principles. Employing a qualitative socio-legal (legal empiricism) approach, the research integrates field data collected through interviews, direct observation, and documentary review with normative analysis grounded in muamalah theory and contemporary contract principles in Islamic finance. Findings reveal that transactions are predominantly oral, lack written agreements or formal witnesses, and commonly impose a requirement to resell catches to the collectors at prices below prevailing market rates, producing a structural imbalance in bargaining power. Normative analysis indicates that such practices conflict with the Islamic tenets of contractual clarity, distributive justice, and the prohibition of exploitative gains. The study contributes empirically and conceptually to Islamic legal scholarship by bridging muamalah theory and ground-level practice, and it offers a foundation for community-level syariah-compliant interventions and policy measures to protect economically vulnerable fisher cohorts.
The Practice of Buying and Selling Second-hand Clothing from the Perspective of Islamic Economics Tiara Suci Ramadhani; Nilfatri; 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.v2i2.52

Abstract

This study analyzes the practice of buying and selling second-hand clothing at Blok D Market, Geragai District, from the perspective of Islamic economics, focusing on the extent to which such trade conforms to muamalah principles—namely al-ʿadl (justice), ma‘lūm (clarity of the object), prohibition of gharar (uncertainty), and maslahah (public benefit). Employing a qualitative phenomenological approach, the research draws on participant observation, in-depth interviews with vendors and buyers, and market documentation as primary data sources. Findings indicate two predominant transaction modalities: bulk “sack” purchases (sack) and retail sales; the former carries a higher risk of gharar because buyers cannot inspect goods prior to purchase, while the latter more readily satisfies clarity and justice principles by allowing buyers khiyar (choice) and inspection. Vendors mitigate uncertainty through systematic sorting, cleaning, and tiered pricing, thereby preserving market trust and ethical conduct aligned with Islamic values. The study contributes empirical evidence linking classical muamalah concepts to informal market practices and offers a foundation for context-sensitive guidance and policy interventions that enhance the ethical, equitable, and sustainable governance of second-hand clothing trade.
Co-Authors Alisyah Pitri Hasna Dewi Kamisatun Kurniawan Putri ayu Srikandi Reza Okva Marwendi Rini Indriyani Silvina Dwi Ruswadi Siti Fatimah Sri Kadarsih Tiara Suci Ramadhani Triyana Wulandari Zeni Sunarti