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All Journal Zabags International Journal of Islamic Studies
Reza Okva Marwendi
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.
The Practice of Buying and Selling Used Clothes According to the Perspective of Islamic Law Suryo Noto Pratama; Haeran; Reza Okva Marwendi; Daud; Siti Fatimah
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.v2i2.41

Abstract

This article examines the dynamics of the second-hand clothing trade in Indonesia, which has grown significantly in response to rising demand for affordable apparel while simultaneously raising concerns related to hygiene, consumer protection, and compliance with Islamic principles. The main objective of this study is to analyze the legal, economic, and religious dimensions of this practice, particularly its implications for consumer rights and alignment with maqasid shariah. Employing a systematic literature review, the research systematically maps recent studies from reputable journals over the past five years, classifies their findings into key themes, and synthesizes insights to highlight research gaps. The results reveal that while the trade in second-hand clothing provides economic opportunities and fulfills social needs, it also carries substantial risks in terms of health, safety, and halal assurance. These findings underscore the need for more comprehensive regulation and awareness to ensure that this practice remains both safe and compliant with Islamic values. The study’s contribution lies in its integrative approach, which connects economic accessibility with ethical and legal accountability, offering a valuable reference for policymakers, academics, and practitioners concerned with sustainable consumption and Islamic economic law.
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.
A Sharia Economic Law Review of Profit-Sharing Practices Sandi Wijaya; Zaenal Abidin; Reza Okva Marwendi; Ahmad Luthfi
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.v2i2.49

Abstract

This study examines profit-sharing practices at Koperasi Insan Madani Syariah in Rantau Karya Village and evaluates their conformity with Sharia economic law. Motivated by the need for equitable Islamic economic arrangements as alternatives to interest-based mechanisms, the research aims to identify how profit-sharing is operationalized and to assess its legal-normative alignment. Employing a qualitative phenomenological approach, data were collected through in-depth interviews, participant observation, and document analysis involving cooperative managers, members, and community leaders. Findings indicate that the cooperative implements profit-sharing primarily through mudharabah mutlaqah and syirkah al-inan arrangements, distributing residual income proportionally based on members’ capital contributions and transactional participation; transparency and annual deliberations reinforce member trust, while gaps remain in members’ technical understanding of nisbah calculations. The study contributes theoretically by explicating how distributive justice principles under Sharia manifest in micro-cooperative settings and offers practical insights for improving governance, member education, and accountability in Sharia microfinance institutions. The results provide an empirical reference for practitioners and policymakers seeking to strengthen Sharia-compliant profit-sharing mechanisms at the grassroots level.
Salam Contract in Online Transactions: A Review Based on the Compilation of Sharia Economic Law Samsul Muin; M.Arif Mustofa; Reza Okva Marwendi; Al Munip; Kuswanto
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.v2i2.61

Abstract

The advancement of digital technology has significantly transformed commercial practices, including the emergence of online transactions that require legal and ethical adaptation in accordance with Sharia principles. In this context, the akad salam, a deferred sale contract in Islamic law, becomes increasingly relevant, particularly within the framework of the Compilation of Sharia Economic Law (Kompilasi Hukum Ekonomi Syariah, KHES). This study aims to examine the validity and relevance of akad salam in online sales based on KHES provisions and to evaluate the compatibility of e-commerce practices with the principles of fiqh muamalah. Employing a systematic literature review (SLR) approach, this research identifies, evaluates, and synthesizes scholarly literature published within the last five years that discusses akad salam, digital transactions, and Sharia economic regulations. The findings indicate that akad salam can be legally applied in online transactions, provided that essential conditions such as clarity of goods, delivery schedule, and upfront payment are fulfilled. However, gaps in understanding among business actors and limitations in digital regulations accommodating Sharia principles remain evident. This article contributes to the field by constructing a conceptual framework that integrates KHES with electronic transaction regulations and offers recommendations for policy enhancement, business education, and future research directions in the development of Sharia-compliant digital commerce.
Co-Authors Ahmad Luthfi Al Munip Alisyah Pitri Daud Haeran Hasna Dewi Kamisatun Kurniawan Kuswanto M.Arif Mustofa Nilfatri Putri ayu Srikandi Samsul Muin Sandi Wijaya Silvina Dwi Ruswadi Siti Fatimah Sri Kadarsih Suryo Noto Pratama Zaenal Abidin Zeni Sunarti