This research aims to describe clearly about the implementation of coconut trading with panjar money in Lingkok Dudu, Suryawangi East Lombok and also to describe about the Islamic point of view towards this kind of trading. This research is a descriptive-perspective research. The approach used in the research is a normative approach, which is the trading with panjar money in Lingkok Dudu village, Suryawangi East Lombok using Islam law in order to know whether the trading itself is allowed or not in Islam. Whereas the data collecting technique used in the research are observation, interview, and documentation. The result of the research showed that the coconut trading with panjar money is started when farmers owe some money to the buyer candidate that the resulting the coconut trading in the future time by cutting the price from the one price, in this case is the buyer. Based on several aspect in Islamic laws, the coconut trading agreement with panjar money can be found a fasid requiment in which that the sellers feel unwillingly, and also there is Qardh agreement with fasid requiment caused by requiment that is not appropriate with the Qardh agreement itself. This meant that discount of the trading is an addition for the lender (buyer), while Qardh agreement is a riba, in this case, it is an accumulating of Qardh agreement and the trading. This activity is not allowed in Islam.