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Zaenal Abidin
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ZIJEc: Zabags International Journal of Economy
Published by Zabags Qu Publish
ISSN : 29880319     EISSN : 29876036     DOI : https://doi.org/10.61233/zijec
Core Subject : Religion, Economy, Humanities, Social,
Religion Humanities Economics, Econometrics & Finance Social Sciences
ZIJEc (Zabags International Journal of Economy) is an interdisciplinary economics journal that is open to the public, this peer-reviewed journal aims to publish research papers related to general economic issues, Islamic economics, business, management, accounting, and other relevant sciences. Both in the local area, regionally, even to the Indonesian national area, Asia international, or the world. This journal is also dedicated to disseminating freely published articles to national-international academics, researchers, practitioners, professionals, and the general public.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 61 Documents
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The Role of Service Quality in Santri Satisfaction at the Darussalam Islamic Boarding School Cooperative, Tanjung Jabung Timur Regency Setiawan, Agus; Wargo; Wulandari, Triyana
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.115

Abstract

The increasing demands of society on educational institutions to produce high-quality future generations have pushed Islamic boarding schools (pesantren) to integrate not only religious education but also economic empowerment through cooperative enterprises. This study aims to explore the role of service quality in influencing santri satisfaction within the Darussalam Islamic Boarding School Cooperative in Tanjung Jabung Timur Regency. Using a qualitative approach with a case study strategy, the research collected primary data through observation, interviews, and documentation involving santri who had made repeated purchases. The findings reveal that the cooperative plays a dual role as both a provider of essential goods and a platform for entrepreneurial education. Empathy, responsiveness, and reliability emerged as key service quality dimensions contributing to customer satisfaction. However, the study also identified structural limitations such as inconsistent service procedures and inadequate facilities. These results highlight the significance of aligning service quality with Islamic values and educational goals to enhance both satisfaction and institutional effectiveness. The study contributes to the literature by contextualizing service quality within faith-based educational settings and offers practical recommendations for strengthening cooperative operations in pesantren environments.
A Literature Review on Risk Management in Mudharabah and Musyarakah Financing Products within the Context of Islamic Banking Khayat, Aghvar Aziz Nur; Wargo; Niskaromah
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.116

Abstract

Islamic banks operate based on Sharia principles that prohibit riba, gharar, and maysir, promoting a profit-and-loss sharing (PLS) model through Mudharabah and Musyarakah contracts. These contracts embody ideals of fairness and partnership, positioning the bank as a capital provider (shahibul maal) in Mudharabah, and as an equal partner in Musyarakah. However, despite their theoretical advantages, PLS-based financing faces substantial risks in practice, including moral hazard, information asymmetry, and limited monitoring capacity. This study aims to identify the main risks associated with these contracts, evaluate risk management approaches, and compare mitigation strategies across both financing schemes. Using a Systematic Literature Review (SLR) method, the study collected, filtered, and synthesized scholarly publications from 2013 to 2023 sourced from Google Scholar, SINTA, DOAJ, OJK, and BI databases. The thematic analysis reveals recurring issues in governance, supervision, and policy alignment, while also outlining best practices and technological innovations for mitigating risk. This article contributes to both the theoretical understanding and practical application of risk management in Islamic finance by offering comprehensive insights for academic development, industry practices, and regulatory frameworks aimed at enhancing the sustainability and distinctiveness of Islamic banking through optimized equity-based financing models.
A Literature Review on the Role of the Sharia Supervisory Board in Maintaining Sharia Compliance in Islamic Banks Thoib, Muhammad; Wargo; Bibi , Tahira
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.117

Abstract

Sharia Supervisory Boards (SSBs) play a crucial role in ensuring that Islamic banks operate in accordance with Islamic legal principles, serving as a key component of accountable and ethically grounded sharia governance. As the Islamic financial industry expands rapidly, concerns have emerged regarding the actual effectiveness of SSBs in carrying out their oversight functions. This study employs a narrative literature review approach to explore the strategic roles, challenges, and institutional effectiveness of SSBs based on a critical synthesis of peer-reviewed academic publications, regulatory reports, and other credible open-access sources published in the last decade. The findings reveal that while SSBs are formally embedded within Islamic banking structures, their practical impact often remains constrained by limited authority, structural dependency, and potential conflicts of interest. Furthermore, variations in competence, access to information, and standardization of governance practices also influence their performance. This article contributes to the academic discourse by systematically mapping the theoretical and practical dimensions of SSB functions and offering conceptual insights to strengthen sharia governance through more independent and credible oversight mechanisms aligned with the objectives of maqāṣid al-sharī‘ah.
The Role of the Village-Owned Enterprise of Kota Kandis Dendang Village in Community Economic Empowerment Based on Sharia Principles Masyanto; Wargo; Dewi, Hasna; Arjmand, Reza
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.118

Abstract

This study explores the role of Village-Owned Enterprises (BUMDes) in promoting community economic empowerment in Kota Kandis Dendang Village through the application of Islamic economic principles. Despite the presence of various development programs initiated by BUMDes, public participation remains limited, largely due to low awareness and engagement. By adopting a qualitative field research approach using an empirical juridical method, the study collected primary data through observation, structured interviews, and documentation involving five key informants. The findings reveal four main themes: lack of community involvement, efforts to implement Sharia values, managerial and regulatory challenges, and emerging signs of social and economic empowerment. BUMDes has initiated inclusive programs that reflect Islamic ethical values, fostering trust and local support. However, structural constraints such as insufficient institutional capacity and absence of formal Sharia governance frameworks hinder its optimal implementation. This research contributes to the academic discourse by framing BUMDes as a hybrid institution economic and ethical rooted in religious values, and provides a practical reference for enhancing rural governance through Sharia-based models.
An Analysis of the Implementation of Sharia Principles in Savings and Loan Products of the Amanah Umat Cooperative in Dendang District Kurniawan; Wargo; Dewi, Hasna; Hashim, Emilda
Zabags International Journal of Economy Vol. 3 No. 2 (2025): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v3i2.119

Abstract

Islamic cooperatives serve as microfinance institutions that aim to integrate Islamic ethical values into financial practices, particularly in rural areas where access to formal banking remains limited. This study investigates the implementation of sharia principles in the savings and loan products of the Amanah Umat Cooperative in Dendang District, with a focus on the application of mudhārabah and musyārakah contracts. Utilizing a qualitative case study approach, the research involved field observations, in-depth interviews, and document analysis to capture the experiences of cooperative members and staff. The results show that while the cooperative demonstrates an intention to adhere to Islamic principles such as justice, mutual cooperation, and the prohibition of riba its implementation is constrained by informal practices, limited literacy, and the absence of internal sharia supervision. The use of mudhārabah and musyārakah is frequently inconsistent with normative sharia standards due to lack of contract clarity and risk-sharing mechanisms. This study contributes both theoretically and practically by offering grounded insights into the challenges of operationalizing Islamic finance at the grassroots level and highlights the need for context-sensitive strategies to enhance sharia compliance in cooperative systems.
Retail Gasoline Trading Practices in Pematang Rahim Mendahara Ulu Village: An Islamic Business Ethics Perspective Tugiyono; Kurniawan; Rayvin Domingo Pestaño
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.v4i1.120

Abstract

This study is motivated by the widespread practice of retail gasoline trading in Pematang Rahim Mendahara Ulu Village, which has emerged as a community-based response to limited access to formal fuel distribution channels and pressing local economic needs. The research aims to examine these transactional practices through the lens of Islamic business ethics and Islamic economic law, with particular attention to contractual clarity (akad), price fairness, measurement transparency, and the potential presence of gharar (uncertainty). Employing a qualitative field-based approach with a case study strategy, data were collected through direct observation, in-depth interviews with retailers and consumers, and supporting documentation. The data were subsequently analyzed using thematic analysis techniques. The findings indicate that retail gasoline transactions operate informally and are largely grounded in interpersonal trust; however, several issues persist, including inconsistent measurement standards, price fluctuations, and concerns related to distribution legality. Conceptually, this study contributes to the development of Islamic economic ethics discourse within informal market settings and offers practical implications for strengthening ethical business literacy and improving local-level energy distribution governance.
Consumptive Behavior of Muslim University Students Toward Sharia Fashion Products Arlinda, Maileni; Abidin, Zaenal; Ahmad, Humaira; Febriansyah
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.v4i1.121

Abstract

The development of sharia fashion in Indonesia not only reflects the growing religious awareness among Muslims but also reveals new dynamics in the consumption patterns of the younger generation, particularly university students. Amid the rising popularity of Islamic lifestyles and the strong influence of digital media, the consumption of sharia fashion has the potential to shift from need-based practices toward consumptive behavior imbued with symbolic meanings. This study aims to analyze the consumptive behavior of Muslim university students toward sharia fashion products and to identify the factors influencing such behavior from religious, social, psychological, and media-related perspectives. Employing a qualitative approach with a phenomenological strategy, data were collected through in-depth interviews, observations, and documentation involving Muslim students who actively consume sharia fashion products. The findings indicate that sharia fashion is perceived ambivalently as both a form of religious compliance and an expression of identity and modern lifestyle. Consumption decisions are shaped by the interaction of religious values, emotional impulses, social pressures, and exposure to social media and influencers, which in many cases trigger impulsive consumptive behavior. This study contributes to the literature on Muslim consumer behavior by offering a phenomenological understanding of the negotiation between religious values and contemporary consumer culture, as well as providing implications for strengthening Islamic consumption ethics literacy among university students.
Islamic Legal Review of Online Lending Practices (A Case Study of the Community in Muara Sabak Timur District) Saputra, Syari Muda; Wargo; Fatimah, Siti; 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

Abstract

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.
Islamic Financial Literacy and the Utilization of Islamic Microfinance Products A Phenomenological Study of Low-Income Communities in Geragai District Baharudin; Wargo; Kuswanto
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.v4i1.123

Abstract

Low levels of Islamic financial literacy among low- to middle-income communities remain a major challenge in optimizing the utilization of Islamic microfinance products. This condition often leads to pragmatic usage patterns that do not fully reflect an understanding of the underlying Sharia principles and contractual mechanisms. This study aims to examine in depth the level of Islamic financial literacy within the community and its relationship with the utilization of Islamic microfinance products. The research adopts a qualitative approach with a phenomenological design, focusing on the lived experiences and subjective interpretations of low-income community members as users and prospective users of Baitul Maal wat Tamwil (BMT) and Islamic cooperatives in Geragai District. Primary data were collected through observation, in-depth interviews, and documentation, and analyzed using source and method triangulation techniques. The findings indicate that community-level Islamic financial literacy remains at a basic level, particularly regarding the understanding of Sharia principles and akad (Islamic contracts), which significantly influences utilization patterns that are largely functional rather than optimal. These results underscore the importance of contextual, community-based Islamic financial education in strengthening sustainable Islamic financial inclusion and contribute empirically to the growing body of literature on Islamic financial literacy grounded in community experience.
Development Strategies for Micro, Small, and Medium Enterprises (MSMEs) in Kampung Singkep Rafiansyah; Abidin, Zaenal; Dewi, Hasna; Rahmatina A. K
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.v4i1.124

Abstract

The growing competition between modern and traditional retail sectors has exerted significant pressure on the sustainability of micro, small, and medium enterprises (MSMEs), particularly those operating in staple goods within rural areas. This study aims to identify and understand the development strategies employed by MSME actors in Kampung Singkep Subdistrict to confront the dominance of minimarkets and the challenges they face in increasing profitability. Employing a qualitative approach with a phenomenological strategy, data were collected through in-depth interviews, field observations, and visual documentation, and were analyzed thematically using triangulation techniques. The findings reveal that MSME actors adopt strategies based on service differentiation, community-based distribution, traditional promotion, and the utilization of social capital as adaptive responses to local market dynamics. Key challenges include limited access to capital, low technological literacy, and insufficient institutional support. The study contributes theoretically by integrating a phenomenological approach with competitive advantage theory, product/market growth strategies, and resource-based perspectives, while offering practical insights for designing contextual and community-based MSME development strategies. The implications highlight the need for participatory policy interventions and managerial capacity building to address the complexities of digital economic transformation and intensifying market competition.

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