ONLINE SELLING AND BUYING USING THE PAYLATER FEATURE ON THE SHOPEE APPLICATION FROM AN ISLAMIC
DOI:
https://doi.org/10.59827/jfeb.v4i2.278Keywords:
Online Selling and Buying, Shopee PayLater, Riba, Qardh, Islamic LawAbstract
This study aims to analyze the use of Shopee PayLater service and review its suitability with Islamic law, as well as evaluate the extent to which students of the Faculty of Economics and Business, University of Mataram understand the concept of Shopee PayLater in accordance with sharia principles. The research method used is a qualitative approach with data collection techniques through interviews, observation, and documentation to several students who use the service. The results showed that the buying and selling system using Shopee PayLater was considered not in accordance with the provisions in Islamic law. Although it has fulfilled the elements of the pillars and conditions in the qardh contract, in practice this service contains elements of usury, both qardh usury in the form of additional loans, as well as nasi'ah usury in the form of late fees that are quite high and burdensome for consumers, thus making the contract haram in shari'i. In addition, there are still many students who do not deeply understand Islamic law related to digital financial transactions such as Shopee PayLater. In fact, some who are aware of the element of usury still choose to use it to fulfill their urgent needs.
Keywords: Online Selling and Buying, Shopee PayLater, Riba, Qardh, Islamic Law
References
Adi, F. K. (2021). Perspektif Jual Beli Online dalam Perspektif Hukum Islam dan KUHPerdata. Lisyabab : Jurnal Studi Islam Dan Sosial, 2(1), 91–102.
Afifah, N. (2019). Analisis Hukum Islam Jual Beli. Jurnal Hukum Bisnis Islam, 09(01), 137.
Ajir, D. (2022). Fikih Perbandingan Tentang Syarat dan Rukun Jual Beli serta Relevansinya dengan Jual Beli Modern Keywords : Buying and Selling , Online , Syariah Economy. Risalah Iqtisadiyah, 1(1), 35–46.
Ash-Shiddiqy, M. (2018). Analisis akad pembiayaan Qardh dan upaya pengembalian pinjaman di lembaga keuangan mikro syariah. Conference on Islamic Management, Accounting, and Economics (CIMAE), 1, 105.
Devi Hellyanita, Febriyanti Febriyanti, Revsi Adesta, Uswah Hanif, Ananda Elsa, & Ersi Sisdianto. (2024). Analisis Hukum Ekonomi Syariah terhadap Transaksi Paylater pada E-Commerce Shopee. Jurnal Penelitian Ilmu Ekonomi Dan Keuangan Syariah, 2(2), 43–54.
Djunaeni, M. E., & Yusuf, M. (2017). Analisis Penerapan Denda Di Lembaga Keuangan Syariah Perspektif Hukum Islam. Jurnal Al-Amwal, 9(2), 310–325.
Fauziah, S. N. I. Al, Kara, M., & Muslihati. (2022). Analisis Transaksi Jual Beli System Shopee Paylater Ditinjau dari Perspektif Ekonomi Islam. At Tawazun: Jurnal Ekonomi Islam, 2(2), 87–104.
Ghofur, A. (2016). Konsep Riba Dalam Al-Qur’an. Economica: Jurnal Ekonomi Islam, 7(1), 1–26.
Hafid, A., Bahri, S., Marzuki, S. N., Muis, M., & Idayanti, R. (2024). The Application of Khiyar Principles to E-Commerce Transaction: The Islamic Economy Perspective. Samarah, 8(1), 403–420.
Hasyimi, S. Al. (2022). Tinjauan Syarat Keabsahan Transaksi Jual Beli Online Menurut Hukum Islam. 1(2), 97–110.
Helaluddin, H. W., & Wijaya, H. (2019). Analisis Data Kualitatif: Sebuah Tinjauan Teori & Praktik. Makassar: Sekolah Tinggi Theologia Jaffray.
Heni hendrawati, Y. kurniaty,. (2015). Jual Beli Online Dalam Perspektif Hukum Islam. Transformasi, 11(1), 125–134.
Jumena, J., & Nurjannah. (2015). The Practice of the Selling and Buying “Clothing Yarn” in Islamic Economic Perspective. 74795, 60–71.
Mayasari, N. L., Batubara, Z., & Harahap, R. (2023). Nor Lolita Mayasari. 1(2), 635–654.
Mega, S. (2013). PANDANGAN HUKUM ISLAM TERHADAP HUTANG BARANG DIBAYAR SETELAH PANEN (Studi Kasus Pada Kelompok Tani Desa Ceringin Asri Kecamatan Way Ratai Kabupaten Pesawaran)”. NBER Working Papers, 89.
Mirdza, M. (2021). Analisis Penerapan Ekonomi Digital dalam Meningkatkan Pendapatan Pelaku Usaha UMKM. Jurnal UIN, 4(3), 1–13.
Moleong, L. J. (2017). Metode Penelitian Kualitatif. Bandung: PT. Remaja. Rosdakarya.
Muflihatul Isnaeni, Intan Cahnia, Indah Nurazizah, & Musyaffa Amin Ash Shabah. (2023). Perspektif Hukum Islam tentang Akad Qardh dalam Pembayaran (Paylater) Jual-beli Online Aplikasi Marketplace Shopee. Al Itmamiy Jurnal Hukum Ekonomi Syariah (Muamalah), 5(1), 76–90.
Nurdin, A., Usman, B., Samad, F., & Mukhtar, M. (2022). Tujuan Hukum Islam untuk Kemaslahatan Manusia: Penerapan Kaidah Fiqhiyah dalam Bidang Ekonomi dan Hukum Keluarga. El-Usrah, 5(1), 41–55.
Nurhayati, E. C., & Mulyani, P. S. (2022). Kegiatan Jual Beli Online Menurut Pandangan Islam pada Aplikasi Shopee. JPEKBM (Jurnal Pendidikan Ekonomi, Kewirausahaan, Bisnis Dan Manajemen), 5(1), 84.
Prasetyani, I., & Wahyuningsih, T. H. (2019). Pengaruh Sumber Informasi, Keamanan, Dan Persepsi Resiko Terhadap Keputusan Pembelian Pada Marketplace Shopee. EFEKTIF Jurnal Bisnis Dan Ekonomi, 10(2), 91–104.
Prastiwi, I. E., & Fitria, T. N. (2021). Konsep Paylater Online Shopping dalam Pandangan Ekonomi Islam. Jurnal Ilmiah Ekonomi Islam, 7(1), 425.
Rahmadhani, N. P., & Nopriansyah, W. (2023). Analisis Jual Beli Melalui Aplikasi Shopee Terhadap Denda Pada Fitur Paylater Dalam Perspektif Islam ( Studi Kasus Masyarakat Desa Air Batu Jaya Banyuasin ). 1(3).
Saprida, S. (2018). Akad Salam Dalam Transaksi Jual Beli. Mizan: Journal of Islamic Law, 4(1), 121–130.
Savitri, E. D. (2023). Penggunaan Pay Later di E-commerce Shopee Menurut Hukum Islam. Journal of Law, Society, and Islamic Civilization, 11(1), 1–12.
SE,MM, A. (2019). Digital Marketing dan Ragam Produk pada Minat Beli Konsumen Toko Online Shopee (Studi Kasus pada Mahasiswa Prodi Manajemen Fakultas Ekonomi Universitas Bhayangkara Jakarta Raya Angkatan 2016). Ekspektra : Jurnal Bisnis Dan Manajemen, 3, 14–24.
Shobirin, S. (2016). Jual Beli Dalam Pandangan Islam. BISNIS : Jurnal Bisnis Dan Manajemen Islam, 3(2), 239.
Sitepu, N. I. (2015). Al-Ariyah, Al-Qardh Dan Al-Hibah. Studia Economica : Jurnal Ekonomi Islam, 1(2), 128.
Sugiyono. (2014). Metode Penelitian Pendidikan Pendekatan Kuantitatif, Kualitatif dan R&D. Bandung: Alfabeta.
Sugiyono. (2018). Metode Penelitian Kuantitaif, Kualitatif dan R&D. Alfabeta
Sulistiyaningsih, N., Hastuti, T., & Harahap, B. (2023). Diseminasi Penggunaan Shopee Pay Later Berdasarkan Perspektif Hukum Islam. Community Development Journal : Jurnal Pengabdian Masyarakat, 4(4), 9447–9451.
Syaifullah, S. (2014). Etika Jual Beli Dalam Islam. HUNAFA: Jurnal Studia Islamika, 11(2), 371.
Tirtayasa, S., Jufrizen, J., Pirari, W. S., & Sari, M. (2024). E-Satisfaction and E-Loyalty: the Role of Brand Image and E-Service Quality. EKUITAS (Jurnal Ekonomi Dan Keuangan), 8(1), 1–26.
Wahyuni, S., & Sutrismi, S. (2022). Analysis of Online Buying and Selling Transactions Through The Shopee Application Based Islamic Economic Perspective. Point Of View Research Management, 3(1), 42–54.
Wati, A., & Hayati, S. (2023). Analisis Hukum Ekonomi Syariah Dalam Transaksi Paylater Pada Aplikasi Shopee. c, 1–12.
Yasir, H. L. (2019). Transaksi Jual Beli Online dalam Perspektif Mazhab Syafi’i. Jurnal Pendidikan Dan Kajian Aswaja, 6(1), 56–75.
Yuniartik, N. (2023). PRAKTIK JUAL-BELI KELAPA SAWIT ( Studi Kasus di Desa Sijang , Kecamatan Galing ). Al-Sulthaniyah, 12, 42–51.
Downloads
Published
Issue
Section
License
Copyright (c) 2025 Journal of Finance, Economics and Business
This work is licensed under a Creative Commons Attribution-NonCommercial-ShareAlike 4.0 International License.
