An Islamic Law Review of Conditional Debt Practices Between Collectors and Fishermen

  • Kamisatun
    Institut Islam Al-Mujaddid Sabak (IIMS) Tanjung Jabung Timur, Indonesia
  • Nilfatri
    Institut Islam Al-Mujaddid Sabak (IIMS) Tanjung Jabung Timur, Indonesia
  • Hasna Dewi
    Institut Islam Al-Mujaddid Sabak (IIMS) Tanjung Jabung Timur, Indonesia
  • Kurniawan
    Institut Islam Al-Mujaddid Sabak (IIMS) Tanjung Jabung Timur, Indonesia
  • Zeni Sunarti
    Institut Islam Al-Mujaddid Sabak (IIMS) Tanjung Jabung Timur, Indonesia
  • Reza Okva Marwendi
    Institut Islam Al-Mujaddid Sabak (IIMS) Tanjung Jabung Timur, Indonesia

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.

Keywords

Conditional debt; collectors; fishermen; Islamic law; muamalah

Downloads

Download data is not yet available.

References

Abdullah, M. A. (2023). Principles of fairness and risk distribution in Islamic contracts: Revisiting al-kharaj bil dhaman in contemporary finance. International Journal of Islamic Economics and Finance Studies, 9(2), 113–129. https://doi.org/10.5577/IJISEF.2023.9.2.113
Afif Noor, M. (2023). Socio-legal research: Integration of normative and empirical juridical research in legal research. Jurnal Ilmiah Dunia Hukum, 7(2), 77–86. https://doi.org/10.47268/jidh.v7i2.1923
Al-Zuhayli, W. (2020). Al-Fiqh al-Islami wa Adillatuhu (Modern Edition). Damascus: Dar al-Fikr. https://library.islamonline.net/
Arbi, L. H. (2021). A contract theory approach to Islamic financial securities. Journal of Risk and Financial Management, 14(1), 1–15. https://doi.org/10.3390/jrfm14010017
Drápal, J., Westermann, H., & Savelka, J. (2023). Using large language models to support thematic analysis in empirical legal studies. arXiv Preprint. https://arxiv.org/abs/2305.12345
Fayyad, M. (2023). Reconstructing lease-to-own contracts: A contemporary perspective. Journal of Islamic Accounting and Business Research, 14(3), 512–528. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10474404/

Download PDF Files'

Article Cover

Published & Citation

2025-11-01

How to Cite

Kamisatun, Nilfatri, Hasna Dewi, Kurniawan, Zeni Sunarti, & Reza Okva Marwendi. (2025). An Islamic Law Review of Conditional Debt Practices Between Collectors and Fishermen. Zabags International Journal of Islamic Studies, 2(2), 314–320. https://doi.org/10.61233/zijis.v2i2.46

License

Copyright (c) 2025 The Author(s). This article is published by Zabags International Journal of Islamic Studies and distributed under the terms of the Creative Commons Attribution 4.0 International License (CC BY 4.0). View License Agreement

Most read articles by the same author(s)

1 2 > >>