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Zaenal Abidin
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Jl. Jendral soedirman, Gg. Pedjoeang, RT.005/ RW.002, Kelurahan Talang Babat, Kecamatan Muara Sabak Barat
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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 68 Documents
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Islamic Financial Literacy in Sharia and Capitalist Economic Perspectives Sahril; Zaenal Abidin; Murtadho
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.v4i1.125

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.
The Development of Home Industry in Enhancing Community Income in Sekernan District, Muaro Jambi Regency Based on Sharia Principles Maulana Yusuf; Beid Fitrianova Andriani; Syaiful Amar Sidik
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.v4i1.111

Abstract

This study aims to analyze the development of home industry as a means of improving community income in Sekernan District, Muaro Jambi Regency, within the framework of Sharia principles. The background of this research lies in the strategic role of household-based enterprises as pillars of local economic growth and instruments of community empowerment. The main objectives are to identify strategies for home industry development, examine challenges encountered, and explore the application of Islamic values in business practices. The research adopts a qualitative phenomenological approach, employing in-depth interviews, participatory observation, and documentation, with data analyzed through thematic triangulation. Findings reveal that home industry development is structured around five key management functions: planning based on local resources, participatory organization of work, communicative leadership, motivation rooted in family values and religious ethics, and disciplined control of quality and finance. These results highlight that business success is not solely dependent on technical production aspects but also on the integration of Sharia principles, which ensure sustainability and fairness. The contribution of this study lies in enriching the literature on community empowerment and Islamic economics, while offering practical recommendations for entrepreneurs and policymakers to strengthen managerial capacity and embed Sharia values in the advancement of micro and small enterprises.
An Analysis of Selling Price Determination Practices from Imam Al-Ghazali's Islamic Economic Perspective A Case Study of the Jeges Photocopy Business Pitriani; Zaenal Abidin; Siti Fatimah; Najwa Aulia Habibah; Anita Schenk
Zabags International Journal of Economy Vol. 4 No. 2 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i2.126

Abstract

This study addresses the urgency of fair pricing practices in Islamic economics, particularly through the perspective of Imam Al-Ghazali, who emphasized the balance between sellers’ and buyers’ interests and the avoidance of exploitative practices. The primary objective of this research is to examine the pricing strategies applied by Fotocopy Jeges in Kelurahan Rano and to evaluate their alignment with Al-Ghazali’s principles of price fairness, honesty, and reasonable profit. Employing a qualitative descriptive approach, the study collected primary data through interviews and observations with the owner, employees, and regular customers, complemented by secondary data from relevant academic literature. The findings reveal that pricing decisions are primarily based on operational costs, service quality, and consumer perceptions, with efforts to maintain transparency and ensure equitable profit margins. These results highlight that the pricing practices at Fotocopy Jeges reflect the ethical and justice-oriented values of Islamic business principles, although challenges remain in consistently ensuring transparency across certain services. The contribution of this study lies in extending the application of Al-Ghazali’s concept of fair pricing to the micro-service sector, enriching the body of literature on Islamic economics, and offering practical implications for microenterprise practitioners and policymakers in formulating socially oriented pricing strategies.
Islamic Legal Analysis of the Hibah Contract in Blood Donation Practices a Study at the Indonesian Red Cross Branch Hendra Maulana; Zaenal Abidin; Alisyah Pitri; Preeti Surkutwar; Jacqueline Kareem
Zabags International Journal of Economy Vol. 4 No. 2 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i2.127

Abstract

This study examines the Islamic legal status of blood donation practices at the Indonesian Red Cross in Tanjung Jabung Timur Regency, particularly regarding the provision of rewards such as food, souvenirs, or monetary envelopes that may shift the essence of hibah into a transactional contract (mu‘āwaḍah). The primary objective is to assess the conformity of blood donation practices with the concept of hibah in contemporary Islamic jurisprudence and with national health regulations that emphasize voluntary and non-commercial donation. Employing a qualitative normative-empirical approach, data were collected through interviews, observations, and documentation, and analyzed thematically with source triangulation to ensure validity. The findings reveal that blood donation is generally conducted voluntarily and embodies humanitarian values, yet the presence of rewards raises normative and ethical dilemmas that may compromise the sincerity of tabarru‘. These results highlight the necessity of establishing clear boundaries between appreciation and reciprocal exchange to preserve the integrity of hibah. The study contributes to contemporary Islamic legal scholarship by offering an integrative analysis that bridges syariah principles with health regulations, while also providing practical recommendations for managing blood donation in accordance with humanitarian and Islamic values. Furthermore, the implications suggest avenues for future research with broader scope and diverse methodological approaches to strengthen the generalizability of findings.
An Islamic Law Perspective on Online Rotating Savings and Credit Associations (ROSCAs) among Housewives Julia Amanda; Zaenal Abidin; Khusnul Yatima; Nilfatri; Zeni Sunarti; Anastasia Aninditia Muman Dewi
Zabags International Journal of Economy Vol. 4 No. 2 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i2.128

Abstract

This study aims to examine the practice of arisan online among housewives in Desa Pandan Lagan from the perspective of Islamic economic law. The research is motivated by the phenomenon of digitalized arisan, which provides convenience but simultaneously raises risks such as default, fraud, and weak transparency in the system. A qualitative case study strategy was employed, combining an empirical juridical approach with normative Sharia analysis. Primary data were collected through interviews, observations, and documentation involving the administrator, active members, and local religious leaders, while secondary data were drawn from fiqh muamalah literature, KHES regulations, and DSN-MUI fatwas. The findings reveal that arisan online practices in Desa Pandan Lagan are supported by internal mechanisms such as transparent financial reporting, written rules agreed upon collectively, and the imposition of fines that encourage timely payments. Nevertheless, instances of default and limited transparency in managing penalty funds were identified, which may lead to elements of gharar and tadlis. The contribution of this study lies in its integration of empirical data with normative Sharia analysis, enriching contemporary fiqh muamalah literature while offering practical recommendations for communities and policymakers to manage arisan online more fairly, transparently, and in accordance with Islamic legal principles.
An Islamic Legal Perspective on Gharar in the Practice of Selling Es Campur Gitok in Lagan Ulu Village Friski Fahrul Yadin; Kurniawan; Hasna Dewi; Reza Okva Marwendi; Khusnul Yatima; Soban Ahmad
Zabags International Journal of Economy Vol. 4 No. 2 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i2.129

Abstract

This study investigates the phenomenon of gharar (uncertainty) in the practice of selling es campur Gitok in Lagan Ulu Village, where the absence of standardized measures leads to variations in portion sizes despite fixed pricing. The primary objective is to describe the local sales practices and to analyze them within the framework of Islamic law, particularly regarding the principle of contractual clarity in muamalah. Employing a qualitative descriptive case study approach, data were collected through observation, interviews with sellers, buyers, and religious leaders, as well as documentation. The findings reveal that sellers rely on simple containers without fixed standards, resulting in inconsistent portions among customers. Despite this uncertainty, transactions continue due to mutual consent (‘an-taradhin) and trust between parties. From the perspective of Islamic law, such practices reflect elements of minor gharar that remain permissible as long as they do not cause substantial harm or involve deception. The study contributes to the broader discourse on Islamic economic law by extending the analysis of gharar beyond modern financial and digital contexts to traditional rural trade practices. It also offers practical implications for small-scale food vendors and local communities, emphasizing the importance of transparency and fairness in everyday transactions to align with Islamic principles.
Profit-Taking Practices in Micro-Retail: A Fiqh Muamalah Perspective on Toko Arif Anisa' Munfarida Munfarida; Nilfatri Nilfatri; Triyana Wulandari; Sri Kadarsih; Reza Okva Marwendi; Fatmanur Kaysı
Zabags International Journal of Economy Vol. 4 No. 2 (2026): Economic Studies
Publisher : CV. Zabags Qu Publish

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61233/zijec.v4i2.130

Abstract

This study investigates the phenomenon of profit-taking practices in micro-trade at Toko Arif in Dendang Subdistrict, where profit margins vary according to product type, turnover rate, and risk of damage. The primary objective is to examine how profit-taking is implemented and to evaluate these practices from the perspective of fiqh muamalah. Employing a qualitative descriptive approach with a socio-legal (yuridis empiris) strategy, the research integrates field data obtained through direct observation, in-depth interviews, and documentation with theoretical insights from Islamic jurisprudence. Findings reveal that fast-moving goods such as eggs and sugar are sold with relatively low margins, while slow-moving or high-risk items are priced with higher margins to compensate for potential losses. Transparency in pricing, clarity of contracts, and honesty in product condition characterize the transactions, reflecting compliance with Islamic principles of fairness, mutual consent, and ethical conduct. The study contributes theoretically by extending fiqh muamalah discourse into the micro-business domain, which has been underexplored compared to banking and financial sectors. Practically, it offers guidance for small-scale traders to establish fair and sustainable profit margins aligned with Islamic values. The implications highlight the need for supportive policies that protect micro-entrepreneurs from disproportionate supplier risks and suggest further research into integrating maqāṣid al-sharī‘ah principles within diverse micro-trade contexts.
The Implementation of Maqashid Shariah in the Resolution of Islamic Economic Disputes A Normative Juridical Analysis Nilfatri; Alisyah Pitri
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.v4i1.57

Abstract

The implementation of Maqashid al-Shariah in the resolution of Islamic economic disputes is essential to ensure that dispute settlement not only complies with formal legal provisions but also reflects the fundamental objectives of Islamic law. This study aims to examine the application of Maqashid al-Shariah in resolving Islamic economic disputes from a normative juridical perspective. The research employs a library research method by analyzing primary and secondary legal sources, including statutory regulations, Islamic legal principles, scholarly literature, and relevant academic studies. The analysis focuses on the extent to which the objectives of Maqashid al-Shariah, particularly the protection of religion (hifz al-din), life (hifz al-nafs), intellect (hifz al-'aql), lineage (hifz al-nasl), and property (hifz al-mal), can serve as substantive foundations for dispute resolution. The findings indicate that the principles of Maqashid al-Shariah provide a comprehensive framework for achieving justice, legal certainty, social benefit, and the protection of the parties' rights and interests. Its implementation can strengthen the resolution of Islamic economic disputes by encouraging equitable outcomes, preventing harm, and promoting mutual benefit (maslahah). Therefore, integrating Maqashid al-Shariah into the normative framework of Islamic economic dispute resolution is relevant to developing a legal system that is not merely procedural but also oriented toward substantive justice and the realization of public welfare.

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