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All Journal Zabags International Journal of Islamic Studies
Alisyah Pitri
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.
A Review of Islamic Law on the Target of Grocery Stores Tassya Ramadhaningsih; Daud; 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.v2i2.42

Abstract

This study explores the integration of Islamic business ethics into marketing practices as a foundation for promoting fairness, transparency, and sustainability in contemporary business activities. The main objective is to examine how ethical principles derived from Islamic teachings influence marketing strategies and consumer trust. Using a qualitative approach, this research synthesizes findings from academic literature to identify thematic patterns and conceptual relationships relevant to the application of Shariah-compliant values in marketing. The results indicate that ethical values such as honesty, fairness, and trustworthiness are consistently emphasized in Islamic business practices and are significantly associated with building strong customer relationships and long-term business credibility. Furthermore, the review highlights trends in recent scholarly works that demonstrate the increasing relevance of ethics in digital marketing contexts, where the challenges of misinformation and consumer manipulation are more prevalent. The contribution of this study lies in providing a theoretical and practical framework that can guide businesses, policymakers, and scholars in strengthening ethical marketing practices grounded in Islamic values.
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
Remuneration Practices in Funeral Rites in Parit Culum 1 Village: An Islamic Law Perspective Rendi Pratama; Kurniawan; 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.v2i2.48

Abstract

This study analyzes remuneration practices associated with funeral rites in Parit Culum 1 Village from the perspective of Islamic law. The research responds to the social reality that payments to individuals involved in funeral management have become an established local custom, yet remain underexplored within the fiqh frameworks of ijarah and ujrah. Employing a qualitative descriptive-analytical approach, the study combines primary field data gathered through observation, in-depth interviews, and documentation with a deductive analysis of relevant principles in muamalah fiqh. Findings indicate that funeral rites in the study area are organized through communal cooperation, and that remuneration, provided voluntarily in cash or in kind, is offered as an expression of appreciation for the services of funeral workers. These practices align with the key elements of ujrah under Islamic law, as they are grounded in voluntary consent, clear service provision, and the absence of coercion or commercialization of religious duty. The study contributes to fiqh muamalah scholarship by extending the application of ijarah to social-religious practices and by highlighting the legitimizing role of local custom (urf) in shaping legally acceptable, context-sensitive religious practices; it also offers an evidential basis for religious leaders and local policymakers to formulate normative guidance that reconciles sharīʿah principles with lived social realities.
Retail Practice of Pertalite Fuel in Small-Scale Sales: A Perspective from Islamic Law and Presidential Regulation No. 117 of 2021 Kasri; Haeran; 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.v2i2.51

Abstract

This study examines the retail sale of Pertalite fuel in Kelurahan Kampung Singkep from the perspectives of Islamic law and Presidential Regulation No. 117 of 2021. The phenomenon arises from limited public access to official fuel stations and local economic needs that give rise to informal retailing practices. Employing a qualitative phenomenological approach, the research draws on interviews, participant observation, and documentary evidence involving retailers, consumers, and community leaders engaged in these transactions. Findings indicate that small-scale Pertalite retailing operates without formal authorization, relies on simple informal distribution mechanisms, and reflects generally low legal awareness among participants. From the standpoint of Islamic jurisprudence, such transactions may be permissible when they meet standards of fairness, transparent measurement, and mutual consent, yet they risk involving gharar (uncertainty) where ownership and distribution legitimacy are unclear. Under positive law, these practices conflict with Perpres No. 117/2021, which reserves distribution and retailing of designated fuel types to authorized entities. The study contributes to Islamic economic jurisprudence and public policy debates by highlighting the need to reconcile normative fiqh principles with pragmatic regulatory frameworks to ensure equitable, legal, and accessible fuel distribution for underserved communities.
Co-Authors Daud Haeran Kasri Kurniawan Nilfatri Putri ayu Srikandi Rendi Pratama Reza Okva Marwendi Silvina Dwi Ruswadi Sri Kadarsih Tassya Ramadhaningsih